Risk & Insurance articles from November 2005

Risk & Insurance archives from November 2005

Outsmarting the cycle.
November 1, 2005... The first halt" of 2005 will go down in the record books as the most profitable six months ever in the industry. Who would have thank it! Insurance execs did what they pledged to do three years ago, in the wake of the disastrous soft market of...

Subpoenas issued.(NEWS & NOTES)
November 1, 2005... St. Paul Travelers has received a subpoena from New York Attorney General Eliot Spitzer as part of his inquiry into how insurers report workers' compensation premiums. The inquiry may stem from alleged infractions by American International...

MMC clients opt in.(NEWS & NOTES)
November 1, 2005... Nearly 70,000 eligible policyholder clients of Marsh & McLennan Cos. Inc. have elected to participate in the $850 million restitution fund MMC established as part of its January settlement with the New York attorney general and superintendent...

Sector downgraded.(NEWS & NOTES)
November 1, 2005... Standard & Poor's has revised its outlook on the global reinsurance industry to negative from stable, citing the impact of Hurricane Katrina and, to a lesser extent, Hurricane Rita. S&P said in a report that the revised outlook means that...

Olympic games carrier.(NEWS & NOTES)
November 1, 2005... PICC Property and Casualty Co. Ltd. has been named the official insurance provider for the 2008 Olympic Games in Beijing. Beijing-based PICC Property & Casualty will also provide insurance coverage for the Beijing Paralympic Games, the Beijing...

Study casts doubt.(NEWS & NOTES)
November 1, 2005... Two out of three adults covered by employer-sponsored health plans prefer that their employer select a set of health plans for them rather than provide them with an account to purchase insurance on their own in the individual market, according...

In the Oct. 1, 2005 Risk Report, the director of the environmental practice at Aon was misidentified.(NEWS & NOTES)(Correction Notice)
November 1, 2005... In the Oct. 1, 2005 Risk Report, the director of the environmental practice at Aon was misidentified. His name is David Bennink. Risk & Insurance[R] apologizes for the error.

Upcoming events.(Calendar)
November 1, 2005... NOVEMBER 13-15 PLUS 2005 18th Annual International Conference The Professional Liability Underwriting Society presents its 18th annual international conference. This year's theme, "Under the Microscope --Navigating the Political,...

Europe's Risk managers could let loose a little: some in Europe may see the way Americans run their business as "myopic" and "risky," but there may be something in the way American companies embrace risk that risk managers on the Continent could learn from.(UPFRONT: News, Update and other Emerging Strategies from Around the World)
November 1, 2005... Risk managers in the United States have felt the urge to hit the brakes on risk because of the "Spitzer bomb," Sarbanes-Oxley, and other efforts to reign in a system that is seen by the lay public and politicians as out of control. Businesses...

Dial up disability management strategies: DMEC and Liberty Mutual led a call-center leadership seminar series that resulted in six tactics to manage high-absence costs.(UPFRONT: News, Update and other Emerging Strategies from Around the World)
November 1, 2005... A recently released report presents six solutions to high-absence costs in the high-stress world of call centers. The report is based on a series of interactive employer seminars, the May "Call Center Leadership Series" meetings in Boston,...

FERMA looks beyond Europe: Europe's risk management federation is steadily expanding its frontiers beyond the Continent's borders.(UPFRONT)
November 1, 2005... Could FERMA's days be numbered? A trick question, of course. Risk management associations from Russia (RusRisk) and Sweden (SWERMA) have been added to the Federation of European Risk Management Associations in the past two years, and 12...

Worth Repeating.(UP FRONT)
November 1, 2005... "I enjoy the stimulation... the mental game that risk management is about." Yutaka Sugimoto, director of risk management for Yazaki Management Co. "Japanese society is a risk-averse society, they take all risks as a disgrace." ...

Katrina by the numbers.(UP FRONT)
November 1, 2005... KATRINA BY THE NUMBERS Newark, Calif,-based catastrophe modeler Risk Management Solutions predicts that total insured losses from Hurricane Katrina will range from $40 billion to $60 billion. A breakdown of the predicted losses was...

A more dangerous place.(WORKERS' COMP)
November 1, 2005... In a complete reversal, some American work has recently gotten more dangerous. Terrorism bring the battlefield to civilians here, the Pentagon brings civilians to battlefields there. Natural disasters are kicking more sand in our eyes....

Cannabis and captives, man.(ALTERNATIVE RISK)
November 1, 2005... Some years ago, a friend and I delivered a Lincoln Continental from New York City to Seattle. The owner flew and we drove his ear, for gas money. The train ride home was a beautiful experience and an ugly scene all at once. The ugliness derived...

A system in a state of shock.(BENEFITS)
November 1, 2005... It was horrific and heroic all at the same time. Everyone who watched televised news coverage of Hurricane Katrina knows what I am talking about. Small towns flattened by the winds. Major cities flooded to their chimney tops. Survivors in...

The taming of the health-care giant: crafting a cohesive workers' comp program to cover 300 operating units and nearly 200,000 employees has been a daunting task, to say the least. Nashville, Tenn.-based Hospital Corp. of America has done just that by staying focused.(SPECIAL REPORT: WORKERS' COMP)
November 1, 2005... Rainbow letters sprawl across the cover of a 2006 calendar produced by Hospital Corporation of America (HCA Inc.), above and around a family of four stick figures, standing in front of a house with two blue windows, a purple roof and a green...

Championing the cause: after taking a painful hit from unchecked comp costs, Catholic Healthcare West made a commitment to doing things in a new way. Now workers' comp isn't just another department to be managed, it's a core part of how the organization is run.(SPECIAL REPORT: WORKERS' COMP)
November 1, 2005... Barbara Pelletreau's secret to a successful worker's comp program can be summed up in three small words: Keep it simple. Simple, but stunningly effective, is a fitting way to describe the workers' comp program that Pelletreau helms as...

Four stellar acts to follow.(SPECIAL REPORT: WORKERS' COMP)
November 1, 2005... Four noteworthy workers' compensation programs, two each in the private and public sectors, are singled out from the entries received this year for the annual Theodore Roosevelt Workers' Compensation Awards. Exceptional programs like the ones...

Fomenting a revolution: building upon their previous propositions for revamping the workers' compensation model, two consultants tackle the challenges of implementing return-to-work programs and urge employers to commit to the practice of returning injured employees to work--even if that means changing their culture and their policies.(SPECIAL REPORT: WORKERS' COMP)
November 1, 2005... Travel with me to another United States, just for a moment. It's a country where injured workers are channeled to medical provider networks populated with experienced occupational medicine practitioners. You may recognize the place--we visited...

Banking on long-term solutions: from modified duties to permanent assignment, so-called "task banks" help companies place ill, injured and aging workers. Some companies, however, are now applying the concept to help them reassign their aging workforces.(SPECIAL REPORT: WORKERS' COMP)
November 1, 2005... To help employees return to work after an illness or injury, many companies offer modified duties as part of their early return-to-work programs. To facilitate these temporary assignments, employers use a task bank, a listing of previously...

Playground of the wind-breakers: the engineers at FM Global believe that most wind damage from future Katrinas can be prevented. If you don't believe them, let them destroy a couple roofs for you at their research campus.(PROPERTY RISKS)
November 1, 2005... There's both fright and satisfaction about watching a 10-foot-long two-by-four shoot out of a hurricane-strength harpoon gun at 30 mph. Just ask Denny Anderson. Sure, he's vice president of engineering and application training for the...

Planning for what lies ahead: life-care plans, once an afterthought, are now being used early on to help injured employees, employers and insurers prepare for the road ahead and to minimize unexpected problems and costs.(BENEFITS)
November 1, 2005... An employee at a construction site falls from scaffolding and lands on a concrete floor, suffering multiple broken bones and a severe spinal cord injury that will leave him a paraplegic. Until the accident, the 31-year-old man had been healthy...

The copyright stuff turns another page: the Internet and digital technology are the biggest revolution in publishing since Gutenberg ruined the monks' monopoly on book production, and once again printers and publishers are in danger of having their entire business models turned upside down.(INDUSTRY RISK REPORT: PUBLISHING/PRINTING)
November 1, 2005... Not since the arrival of the printing press in the 15th century has the publishing world gone through such profound change. Before the invention of the printing press, it might have taken a year or more for someone to hand copy a Bible. With...

Industry risk report printing/publishing.
November 1, 2005... An old, established industry which in recent years has been forced to adapt to the world of electronic distribution has done well for itself, with some companies delivering profit margins upward of 20 percent. Major players aren't shy about...

Good news, bad news: despite a decline in D&O pricing, the rate of decrease appears to be slowing. But trends suggest that the frequency and severity of claims will continue to rise. How much and how fast is anyone's guess.
November 1, 2005... The directors and officers liability insurance marketplace is in a state of flux these days. Corporate scandals, bankruptcies, Securities and Exchange Commission investigations, mergers and acquisitions, and missed earnings releases have all...

Outsmarting the fraudster: a proponent of predictive analytics writes that this technology is changing the battle against workers' compensation fraud and abuse.(WORKERS' COMP TECHNOLOGY)
November 1, 2005... It's no secret that high premium rates for workers' compensation insurance are pressuring both insurers and employers. Nationwide, medical costs are skyrocketing despite a decline in the number of claims filed for workers' compensation. In a...

Wading through the paper bog: when it comes to managing workers' compensation claims, timeliness is crucial. New technology is helping to reduce time spent on claims, drive down costs and improve outcomes.(WORKERS' COMP TECHNOLOGY)
November 1, 2005... For years, claims adjusters in the workers' compensation industry have been bogged down with excessive paperwork, hours of manual data entry, fragmented communication among all parties involved in a claim and compliance with numerous state...

Setting the standard: with the passage of sweeping new workers' comp reform legislation, things have finally begun to turn around for the embattled California workers' comp system. Now is the time for California employers to take the reform to the next level. The rest of the country will follow suit.(WORKERS' COMP TECHNOLOGY)
November 1, 2005... While several states have addressed the direction of medical care and provider networks to varying extents, none has programs in place that contain all of the provisions of California's Medical Provider Networks. The ability of employers...

Yearnings of the vanguard: risk management techniques, underdeveloped in Japan, force curious managers to study in the United States. But Japan's extended economic slump is forcing changes in the way corporations approach risk management.(PROFILE)
November 1, 2005... To satisfy his love of risk management, Yutaka Sugimoto had to travel nearly halfway round the planet from his home in Japan to the freezing, snow-covered terrain of the Midwestern United States. The top risk officer of Yazaki Management...

In New York State, we trust: some self-insured workers' comp trusts, hobbled by mismanagement and a tougher investment environment, have taken a beating. Kentucky and Illinois come to mind. But New York State, where the funds are heavily regulated, stands out as a success story.(SELF-INSURANCE)
November 1, 2005... While much has been recently publicized about the failings and shortfalls of group self-insured trusts in the workers' compensation markets of Kentucky, Florida, and Illinois, one story has not yet been highlighted: the New York success story...

Eye drive: driving with care slashes accident rates, claim rates and per-vehicle accident costs, according to a user of DriverCare fleet management software. Mario Andrettis need not apply.(FLEET RISKS)
November 1, 2005... It's something like Big Brother watching you, but without LCD screens mounted to dashboards and certainly not as creepy. Instead the newest fleet safety management systems are designed to jack up responsible driving habits while putting the...

Squeezing the grid: the increase in the demand for electricity has strained the utility industry's ability to deliver power as reliably as it once did. Risk executives have several options at their disposal, none of which is a panacea.(BUSINESS INTERRUPTION)
November 1, 2005... On Aug. 14, 2003, the largest blackout in North American history left more than 50 million people in nine states and parts of Canada in the dark. Only $180 million of the losses were insured, according to Insurance Services Office Inc., in part...

MES Solutions.(INDEPENDENT MEDICAL EXAMS)
November 1, 2005... MES Solutions is the nation's leading management service organization providing legal, insurance, business and other entities direct access to multi-specialty examiners/reviewers with expertise in conducting independent medical evaluations,...

AIG Companies.(RISK MANAGEMENT)
November 1, 2005... AIGCS RMIS' Web-based IntelliRisk[R] e-Services include first notice of loss, providing online claim submission/ tracking; IntelliRisk NetSource[R], offering real-time claim analysis and ad hoc reporting capability, "profiling" potentially high...

Frank Gates Companies, Inc.(INTEGRATED RISK MANAGEMENT)
November 1, 2005... The Frank Gates Cos. provide risk management solutions to employers nationwide. Our precision and superior return-on-investment help us retain 95 percent of our clients each year* Turn to Frank Gates for quality workers' compensation, AL/GL,...

Cambridge Integrated Services Group, Inc.(RISK MANAGEMENT)
November 1, 2005... Cambridge Integrated Services Group, a Scandent Group company, is the largest independently owned property and casualty claims and business process outsourcing provider in the United States and Australia. Claim services span workers' comp;...

InsureWorx[TM].(WORKERS' COMP)
November 1, 2005... InsureWorx, headquartered in the San Francisco Bay Area with its development center in Denver, is a leading provider of browser-based software solutions for the insurance industry. The flagship PowerComp[R] product line includes core-processing...

ESIS.(RISK MANAGEMENT)
November 1, 2005... ESIS understands that effective management of workers' comp claims requires a balanced approach, one that combines knowledge and skill with expert technologies. Long regarded as a leader in risk management services, ESIS takes a holistic...

ATS.(RMIS)
November 1, 2005... Tired of the same old software? Wake up to a better solution--ATS! ATS continues its 20-year legacy to bring you the best RMIS solutions: innovative and intuitive claims administration for all coverage lines, and workers' comp ready for all...

Aetna.(BENEFITS)
November 1, 2005... Aetna is a leading national provider of insurance coverage. We offer a broad range of benefits including dental, life, pharmacy, disability, long-term care, group and, of course, health. No matter what the size of your business, you can meet...

MFX.(CLAIMS MANAGEMENT)
November 1, 2005... Upgrade your claims processing system one component at a time. Sometimes, all your claims processing system needs is a simple upgrade or the addition of a new component* That's why we have developed a new, modular version of MFX ClaimsAssure....

Fiserv[R] Insurance Solutions.(WORKERS' COMPENSATION)
November 1, 2005... Fiserv Insurance Solutions automates workers' comp management from policy administration through claims and billing with Web access for quoting and customer service. Our managed care system lets you precertify, track, discuss, approve and pay...

Broadspire.(REDUCING LOSS COSTS)
November 1, 2005... Broadspire (www.choosebroadspire.com) offers the most complete package of claim and medical management and risk and safety consulting services, designed to reduce your loss costs. Offering the flexibility and customization you need, you can...

MCMC.(CLAIM SERVICES)
November 1, 2005... MCMC and its predecessor organizations have had only one goal for more than 20 years--to review, examine, coordinate, process and manage all aspects of group health, workers' compensation, disability, auto and general liability claims. Our...

MFX.(BUSINESS PROCESS OUTSOURCING)
November 1, 2005... Would you like to eliminate the administrative headache of bureau and state reporting while reducing costs and increasing quality? The experienced staff at MFX ProcessSure will utilize our skills by combining proven insurance processes with the...

File Handler.(CLAIMS MANAGEMENT)
November 1, 2005... File Handler is an integrated, multiline claims management system. File Handler and FileHandler.com allow clients the flexibility of using the Internet, intranet and client/server configurations, or a combination of all three. JW Software has...

Valley Oak Systems.(CLAIMS)
November 1, 2005... Valley Oak Systems is a national provider of claims management software, services and support. Our core product is iVOS[R] a browser-based claims management system designed for multiple lines of insurance, iVOS is the "one-system" solution. All...

MountainView Software.(CLAIMS MANAGEMENT)
November 1, 2005... MountainView Software offers high-quality Web-based products for your claims management and reporting needs. ClaimZone Enterprise Edition is a complete claims management system covering all commercial lines including comp, liability, property,...

Specialty Risk Services.(THIRD-PARTY ADMINISTRATION)
November 1, 2005... Looking for exceptional outcomes from your workers' comp program? At Specialty Risk Services, we've mastered the art of third-party administration. We deliver professionally superior products and services to achieve outstanding results that can...

Sedgwick Claims Management Services.(CLAIMS ADMINISTRATION)
November 1, 2005... Sedgwick Claims Management Services provides cost-effective claims administration, managed care, program management and allied services to major employers. Specialties include workers' compensation, general, auto and professional liability;...

American Wholesale Insurance Group.(INSURANCE)
November 1, 2005... At American Wholesale Insurance Group (AmWINS) independence matters, so does size, strength and experience. As the largest independent insurance wholesaler in the country, AmWINS has a coast-to-coast team of skilled brokers and underwriters...

MasterCard International.(PAYMENTS PROCESSING)
November 1, 2005... The insurance industry is facing new competition and distribution channels are shifting from brick and mortar to direct mail, phone and Internet sales. Accepting MasterCard-branded payment cards can be an important component in achieving your...

StrataCare.(BILL REVIEW)
November 1, 2005... StrataCare provides national bill review software solutions and service for the workers' compensation and auto liability industries including insurance companies, employers, third-party administrators and bill review companies. StrataCare's...

The National Alliance.(RISK MANAGEMENT)
November 1, 2005... Take the bite out of risk. In precarious times, Certified Risk Manager (CRM) courses will help you thrive in the worlds of safety, risk finance, and management of risk* Call 800.633.2165 or go to www.TheNationalAlliance. com for more...

CSC.(CLAIMS, RISK & POLICY MANAGEMENT)
November 1, 2005... CSC provides claims, risk and policy management information systems, and services to help control costs for carriers, self-insureds, TPAs, health care providers and corporate counsel. CSC's solutions process, manage and analyze claims; assess...

Standard & Poor.(EXECUTIVE MOVES)
November 1, 2005... Standard & Poor's, a provider of independent investment research, ratings and indices, has announced the appointment of JITENDRA SHARMA as executive managing director and head of Standard & Poor's Risk Solutions, its global risk management...

Hilb Rogal & Hobbs Company.(EXECUTIVE MOVES)
November 1, 2005... Hilb Rogal & Hobbs Company has announced the appointment of F. MICHAEL CROWLEY to the position of president. In this role, Crowley will have overall responsibility for profit and loss, revenue growth, trading relationships and executive...

McNeary Inc.(EXECUTIVE MOVES)
November 1, 2005... ARNOLD GARCIA has joined McNeary Inc., as assistant vice president and risk management consultant, the firm has announced. In addition to handling traditional risk management services, Garcia will also contribute to McNeary's enterprise risk...

Guy Carpenter & Co. Inc.(EXECUTIVE MOVES)
November 1, 2005... PAUL BREHM has joined Guy Carpenter & Co. Inc. as a senior vice president in the Minneapolis office, the firm has announced. He will be a part of the Instrat unit, which provides risk and financial modeling and other analytical services. Prior...

William Gallagher Associates.(EXECUTIVE MOVES)
November 1, 2005... William Gallagher Associates announces the promotion of MICHAEL KEARNEY to executive vice president. Kearney specializes in providing insurance and risk management services to companies in the life science and technology industries. He has more...

David Morse & Associates.(EXECUTIVE MOVES)
November 1, 2005... David Morse & Associates, a national claims administration and independent adjusting company in Los Angeles, has announced the appointment of JUAN AVILA as manager for the firm's Long Beach, Calif., branch. Avila has been with David Morse &...

Zurich.(EXECUTIVE MOVES)
November 1, 2005... Zurich has announced that RICHARD J. LAW JR. has joined its North American operations as president of Zurich Small Business. Law will be responsible for developing and executing small business strategy, including sales, marketing and...

The PMI Group, Inc.(EXECUTIVE MOVES)
November 1, 2005... The PMI Group, Inc. has announced the promotion of Chief Enterprise Risk Officer JOANNE BERKOWITZ to executive vice president. In this capacity, she is responsible for enterprise risk management for the PMI Group, including U.S. mortgage...

Integro (Canada) Ltd.(EXECUTIVE MOVES)
November 1, 2005... Integro (Canada) Ltd. has announced that it has hired ROBERT DUNN to head its new Montreal office. He will be responsible for directing the company's Montreal business strategy and resources, as well as developing and cultivating...

Willis Group Holdings.(EXECUTIVE MOVES)
November 1, 2005... Willis Group Holdings has announced the appointment of ASHOK DHAWAN as chief executive officer of their operations in India. Dhawan will be located in Mumbai. He was previously the chief operating officer of Intelenet--a joint venture of...

Hunton & Williams.(EXECUTIVE MOVES)
November 1, 2005... Hunton & Williams has announced that ROBERT J. MORROW has joined the firm as partner with the insurance and reinsurance litigation practice in New York. He previously worked for Dewey Ballantine and White & Case.

Patni Computer Systems Ltd.(EXECUTIVE MOVES)
November 1, 2005... Patni Computer Systems Ltd. has announced the appointment of DENNIS STECKLER as senior solution architect. Steckler brings more than 30 years of career experience to Patni including expertise in line management, risk management, marketing and...

Aviva Life Insurance Co.(EXECUTIVE MOVES)
November 1, 2005... Aviva Life Insurance Co. has announced the appointment of WILLIAM HEWLETT as vice president and chief underwriter, the firm has announced. Hewlett will direct all underwriting activities, including the company's software applications for the...

Aon.(EXECUTIVE MOVES)
November 1, 2005... KYMBERLEE KEEFE, ROGER FRANCOLINE, FRANCES SIGURANI and BRIAN SLIFE, have joined Aon's national health care practice, the broker has announced. Keefe, who will be based in Atlanta, joins the practice as senior vice president and national...

XL London Market Ltd.(EXECUTIVE MOVES)
November 1, 2005... XL London Market Ltd., part of XL Capital Ltd., has announced several appointments to the London-based XL Insurance Fine Art & Specie unit. MICHAEL MOSS, DAVID SCULLY, CLARE PARDY, SUSIE COLLIER and MARK BOSSHARD have joined the Fine Art &...

Credit Risk scoring.(TECHNOLOGY)
November 1, 2005... Standard & Poor's Risk Solutions has launched Credit Risk Tracker North America, a Web-based tool that provides probability of default credit scores for small and midsize enterprises, a lending class that has previously been difficult to score...

Policy solutions.(TECHNOLOGY)
November 1, 2005... Beecher Carlson has launched NOVUS, a browser-based application designed to accelerate the issuance of commercial insurance policies. NOVUS enables communication among the policyholder, broker and insurer to build insurance programs online. For...

Health-care analytics.(TECHNOLOGY)
November 1, 2005... A new model, based on insurance claims data for 2.8 million individuals, has been developed by DxCG, ISO's health-care analytics company. The model identifies groups of individuals who are more likely to use vow expensive health care services...

Performance analytics.(TECHNOLOGY)
November 1, 2005... Verint Systems Inc. has announced the latest version of its Opus Suite, a performance analytics solution. The new software combines process-optimization techniques with advanced performance analytics to help companies operate more efficiently....

Policy administration.(TECHNOLOGY)
November 1, 2005... Fiserv Insurance Solutions, a unit of Fiserv Inc., has launched version 1.8 of the Policy STAR application for policy administration. With the addition of support for business owners, farm owners and ocean marine lines of business, customers...

Tax codes.(TECHNOLOGY)
November 1, 2005... CDS Business Mapping has added New York to its Premium Tax Code Report on the RiskMeter Online. In New York state, identifying the proper premium tax code is difficult because the codes are assigned by fire district. Now insurance companies can...

Interface solutions.(TECHNOLOGY)
November 1, 2005... Connective Technologies Inc. and Mutual Benefit Group have expanded their TEAM-UP Upload implementation to include PRIORITY Data Systems' PriorityRate.com product as a source system. TEAM-UP Upload provides a layer of isolation for the carrier...

Process management.(TECHNOLOGY)
November 1, 2005... Exigen Group has announced the latest version of its Insurance Process Backbone application. Enhancements include an ACORD-based business object model and component-based, services-oriented architecture. That will make it easier for clients...

EPLI.(INSURANCE)
November 1, 2005... Rockwood Programs has developed an employment practices liability insurance policy to address the needs of small employers. Companies with 15 employees or fewer are eligible for the coverage. The product is being marketed under the name of The...

Disability.(INSURANCE)
November 1, 2005... A new disability insurance product introduced by Assurant Employee Benefits can now be purchased on an employer-paid basis. The new Serious Disability Benefit provides a benefit option for employers who have been unable to afford disability...

Health Care.(INSURANCE)
November 1, 2005... Midsize companies with 75 or more employees can now offer their employees an expanded choice of health plans plus access to one of the largest networks of physicians in the mid-Atlantic area. Benu integrates CIGNA HealthCare and Kaiser...

Professional liability.(INSURANCE)
November 1, 2005... The Hartford Finanical Services Group and Target Insurance Services Inc. have introduced a Lawyers Professional Liability Program which simplifies choices for professional liability protection. The program provides coverage customized to the...

International coverage.(INSURANCE)
November 1, 2005... ACE USA has announced the expansion of its insurance products line to offer additional coverage for companies doing business overseas. The International Advantage Express Policy offers coverage designed and priced to address the insurance needs...