US Risk

U. S. Risk Insurance Group, Inc. is a specialty lines underwriting manager and wholesale broker headquartered in Dallas, TX. Operating 16 domestic and international branches, it offers a broad range of products and services through its affiliate companies, which include U.S. Risk Underwriters, U.S. Risk Brokers, Oxford Insurance Brokers Ltd.(London), Advocate Reinsurance Partners, James Hampden International, Abraxas and Unisource Program Administrators.

How to deliver a powerful closing to a speech on any topic

Author JulieByington , 9/21/2012
From Throughout my career, I’ve seen hundreds of speakers end their presentations in exactly the same way. They click to their last slide, deliver the information on the screen, and limp to the finish line by mumbling something such as:
1. “So feel free to call me with any questions you might have.” 2. “That’s the end of my presentation.” 3. “Thank you for listening.” 4. “Do you have any questions?” 5. “Ummm … thanks.”
A speech’s close is one of its most important parts, but it may also be the most neglected. The close is your final opportunity to accomplish your goal, whether it’s to inspire the audience, drive an action, inform a community, break the status quo, or change an opinion. Here are seven great ways to close a speech, each with an example. (Note that you may want to also include a call-to-action in your close, which I’ve written about here.) Close No. 1: Deliver a summary You may have heard the old public speaking adage that advises speakers to use a three-step approach: “Tell them what you’re going to tell them, tell them, and then tell them what you’ve told them.” You don’t need to follow that rigid rule for every presentation. But you’ll probably use something similar to it the majority of the time, particularly in the “summary” close. In the summary close, you’ll finish your talk with a synopsis that reminds the audience of your goal and your most important points. For example, let’s say you’re an advocate for children’s safety that is trying to increase the percentage of parents who use child safety seats for their kids. You might end your talk by saying something such as:
“In conclusion, we’ve made significant strides in protecting children. Our education campaign significantly helped increase the number of parents who use child safety seats for their children. And our work with the state legislature resulted in laws that now allow police to ticket and fine parents who don’t. “As a result of our work, the biggest issue is no longer making sure that parents install safety seats. Rather, it’s making sure that they do so correctly. One recent study found that as many as 90 percent of all safety seats are installed improperly, which increases the odds that a child will be unnecessarily hurt or killed in an auto accident. “Therefore, I’m recommending a new campaign that shifts our focus from installing safety seats to installing safety seats correctly. This new campaign would encourage parents to use a state- approved installer instead of trying to install the seat themselves. I believe this is the logical next step in our efforts to protect kids in our state, and that this strategy shift will yield tremendous results.”

Illinois challenges workers comp claim- carpal tunnel

Author JulieByington , 9/19/2012
SPRINGFIELD, Ill., Aug. 8 (UPI) -- A former Illinois workers' compensation arbitrator's $25,233 worker's compensation payment is being challenged in court by state officials. The Illinois attorney general's office is seeking to reverse the tax-free cash settlement paid to Jennifer Carril, who filed for a disability settlement in 2010 for injuries she said resulted from typing on her computer, the Belleville (Ill.) News-Democrat reported Wednesday. Carril, whose claim was backed up by a doctor who said she suffered from carpal tunnel syndrome, resigned from her job as a workers' compensation arbitrator in July 2011. Maura Possley, spokeswoman for Illinois Attorney General Lisa Madigan, said the office filed its legal challenge June 18. "We are asking the court to review and reverse the decision," Possley said. Carril and her lawyer declined to comment. U.S. Risk Health Care realizes that the healthcare industry is one of the fastest growing business segments in today's economy. Therefore, our "health care team" has been designed to provide insurance products through insurance agents and brokers to those organizations who deliver medical, social and philanthropic services to the public.

3 Things That Separate Leaders From Managers

Author JulieByington , 9/17/2012
This post originally appeared at Open Forum. US Risk To build a successful organization, there needs to be a variety of people playing different roles in order for things to run smoothly. Some of these roles are easily defined while others may have more confusing boundaries, such as the difference between a manager and a leader. You can be a manager and a leader at the same time, but just because you're a phenomenal leader doesn't guarantee you'll be a great manager, and vice-versa, so what's the real difference? In his book On Becoming a Leader, Warren Bennis writes about a few crucial differences between a leader and a manager. Here are some key differentiators from the book, as well as insights from Gene Wade, founder and CEO of UniversityNow, and late management guru Peter Drucker. 1. The leader innovates whereas the manager administers. This means that the leader is the one who comes up with new ideas and moves the rest of the organization into a forward-thinking phase. This person has to constantly keep his eyes on the horizon and develop new strategies and tactics. He needs to be knowledgeable about the latest trends, studies and skill sets. "You got people who are just going to work instead of thinking about why they're doing what they're doing, and then you have the leaders," Wade says. On the other hand, a manager maintains what has already been established. This person has to keep her eye on the bottom line and maintain control or else there might be disorder within the organization. In his book The Wall Street Journal Essential Guide to Management: Lasting Lessons from the Best Leadership Minds of Our Time, Alan Murray cites Drucker as saying that a manager is someone who "establishes appropriate targets and yardsticks, and analyzes, appraises and interprets performance." Managers understand the people who work alongside them and know which person is the best person for specific tasks. 2. The leader inspires trust whereas the manager relies on control. Wade says that a leader is someone who inspires other people to be their best and knows how to appropriately set the tempo and pace for the rest of the group. "Leadership is not what you do—it's what others do in response to you," he says. "If no one shows up at your march, then you're not really a leader." And if people do decide to jump on board because you've inspired them, then it means that you have created a bond of trust within the company, which is essential especially if the business is rapidly changing and needs people to believe in its mission. As for managers, Drucker wrote that their job is to maintain control over people by helping them develop their own assets and bringing out their greatest talents. To do this effectively, you have to know the people you are working with and understand their interests and passions. The manager then "creates a team out of his people, through decisions on pay, placement, promotion and through his communications with the team." "Managing a project is one thing, empowering others is another thing," Wade says. MORE HERE

Put U.S. Risk to work for you. We have the product expertise, speed to market and commitment to service you can rely on.

Having trouble finding good help

Author JulieByington , 9/14/2012

The StaffPak Program has become a best in class underwriting and risk management option for staffing firms throughout the country. Our expert advice, marketplace knowledge, strong carrier partners, unparalleled customer service and proprietary insurance products enable Brokers to deliver the StaffPak value proposition to their staffing customers and prospects. Call StaffPak first.

The healthcare industry is one of the fastest growing business segment

Author JulieByington , 9/12/2012

Introduction to the division:

U.S. Risk Health Care realizes that the healthcare industry is one of the fastest growing business segments in today's economy. Therefore, our "health care team" has been designed to provide insurance products through insurance agents and brokers to those organizations who deliver medical, social and philanthropic services to the public.

The U.S. Risk Health Care team consists of a group of tenured insurance professionals as well as in-house legal and risk management specialists. The Health Care team is unique because we deliver underwriting, brokerage, claims handling and risk management capabilities to our customers.

Our insurance products are specifically designed for those organizations that provide medical or professional services to a wide range of clients.

Our offices are located in Boston, Dallas and Houston so that we are situated to be there when you need us.

Target Classes of Business
 Nursing Homes, Assisted Living and Independent Living Facilities
 Social Services (for profit and not for profit)
 Miscellaneous Healthcare (adult daycare, alcohol and drug rehab, home healthcare, hospice etc.)
 Misc. Medical (doctors, clinics, hospitals, laboratories, life sciences, physician groups etc.)For a more detailed description of the programs and expanded classes of business please refer to the flyer links below.



US Risk

Author JulieByington , 9/10/2012
US Risk Take1 is the most comprehensive and cost-effective all-lines insurance program for the live and non-live entertainment industry. Sold exclusively through the underwriting division of U.S. Risk., Inc., Take1 product lines are placed in a domestic and A-rated property and casualty insurance company that has multiple years of experience providing insurance to all segments of the entertainment industry. Contact us now for more information or visit our social sites to join the conversation! [formidable id=27 title=true]

Here's our Professional Liability Underwriting division

Author JulieByington , 9/3/2012

For over 30 years the U.S. Risk Professional Underwriting Division has been a market leader in the professional liability arena. With in-house underwriting and claims handling as well as broad brokerage capabilities, we have your professional liability risks covered.

Find out more about our competitive programs for:

 Insurance Agents

 E&O Home Inspectors

 Small EPLI risks (25 or less employees)

Lines of Coverage Written Professional Liability Employment Practices Errors and Omissions Liability
Target Classes of Business Accountants (Tax Preparers & Bookeepers Only) Adjusters – Independent or Public Appraisers Auditors/Investigators Expert/Forensic Witness Home Inspectors Insurance Agents Technology Related Risks Third Party Administrators many other classes available call or email for more details…
Policy Features & Benefits Professional Limits up to $5M EPLI limits up to $2M
Contacts Chuck Brady - EVP- National Practice Leader Direct Phone: 714.285.4087 Dallas 800.232.5830 JoAnn Taylor - Executive VP Kristina Dixon - Sr. Underwriter Thomas "TJ" Lane - Sr. Underwriter Danae Plotner - Assistant Underwriter Sarah Jessup - Underwriter Assistant Scottsdale 800.949.5245 Ashton Dooley - Branch Manager/Sr. Underwriter and Broker Karen Townshend - Underwriter and Broker Ruth Brenton - Assistant Underwriter Nicole Hutchison- Underwriter Assistant Los Angeles 800.350.4477 bullet Jackie Howell - Underwriter

US Risk covers you completely

Author JulieByington , 8/31/2012

U. S. Risk Insurance Group, Inc. is a specialty lines underwriting manager and wholesale broker headquartered in Dallas, TX.  Operating 11 domestic and international branches, it offers a broad range of products and services through its affiliate companies, which include U.S. Risk Underwriters, U.S. Risk Brokers, Professional Claims ManagersOxford Insurance Brokers Ltd. (London)Advocate Reinsurance Partners and Unisource Program Administrators.


Formerly Jarrett Insurance Brokers, U.S. Risk Brokers has operated continuously since the late 1960's. As a wholesale excess and surplus lines insurance brokerage firm, U.S. Risk Brokers employs over 50 brokers and represents more than 100 companies countrywide. The diversity of U.S. Risk's product portfolio is unequaled in the wholesale brokerage community. Offering all forms of property, casualty, automobile, umbrella, professional and risk management products and services, U.S. Risk Brokers can secure insurance coverage for virtually any type of business. In addition to all types of general insurance, the brokerage divisions specialize in healthcare liability, contractors, liquor liability, habitational, oil and gas, professional liability, aviation, products liability and financial services coverages.



Organized in 1985, U.S. Risk Underwriters originated as an underwriting manager for miscellaneous errors and omissions and non-profit directors and officers insurance. Based in Dallas, TX, U.S. Risk Underwriters presently has underwriting authorities for companies including; Lloyd's of London, Scottsdale, Markel, Colony, General Star, Chubb Custom, and Hartford.


Building solid, professional relationships is the foundation of success. U.S. Risk Financial Services, Inc. is committed to this concept and consider it one of the most significant aspects of our business as a service to our agents and their clients. This personalized approach offers an entirely new level of service to our network of agents which is not available from other industry sources. The team at U.S. Risk Financial Services is staffed with internationally known specialists who have focused on the financial services industry throughout their careers. The team includes individuals with experience in various aspects of this very technical industry including: Risk Management; Bond/D&O/E&O Underwriting; Accounting/Auditing; Wholesale and Retail Brokerage; Managing General Agents; The FDIC Department of Liquidation; Loss Prevention/Internal Controls; and the Federal Reserve Bank.


Author JulieByington , 8/29/2012
It’s hard to believe that the copy machine just recently celebrated its 50th birthday. There’s no question that these popular technological devices have proven to be worth their weight in gold for countless consumers and businesses. From copying to scanning and even e-mailing documents, copy machines are a must-have for most modern day companies. However, there’s a secret lurking inside the common copy machine that has identity thieves across the nation salivating. Nearly every copier that was built since 2002 includes a hard drive. This relatively small unit, hidden inside the copy machine, stores an image of every single document scanned or copied by the machine. An identity thief’s dream Most copiers store up to 20,000 document images, which might include Social Security numbers, birth certificates, bank records, income tax forms, medical records, and other valuable information. In other words, these hard drives contain the type of data that identity thieves are itching to get their hands on. Perhaps even more frightening is this fact: Anyone can easily buy used copiers from office supply vendors. Oftentimes, a used copier that initially cost thousands of dollars is sold for just $300 or less. Quite a few vendors sell these used copiers to overseas buyers. Most sellers do not erase the hard drive before selling a used copier. That means the buyer gains immediate access to all the invaluable information stored on the hard drive for just a few hundred bucks. With a special device, an identity thief can easily scan and download all the document images stored on this hard drive. However, an identity thief doesn’t even have to buy the copier to gain access to the profitable data inside. He could simply hack into the office copier’s hard drive to get his hands on the wealth of information stored there. Understanding the risks Unfortunately, most of the general public is completely unaware of the potential risks associated with copy machines. A recent study revealed that 60% of Americans do not even realize that copiers store images on a hard drive. Luckily, there are ways to combat the threat of identity thieves stealing data from copy machines. Some copy machine security companies have the ability to “scrub” or delete all of the info on copy machine hard drives before a business gets rid of the copier. Additionally, some new copy machine models include a feature allowing users to erase images from the copier’s hard drive automatically. This extra feature typically costs about $500. It could be worth the added expense. After all, this feature could end up saving you thousands of dollars in identity theft damages.


Author JulieByington , 8/28/2012
In April 2010, an oil drilling rig owned and operated by Transocean Ltd. exploded and sank in the Gulf of Mexico. The accident killed 11 people and set off a massive oil spill, causing catastrophic damage to marine life and imperiling coastal areas in four states. Transocean was operating on behalf of the giant energy corporation BP, who owned the rights to the oil field where the rig was located. BP came under intense criticism from the president, Congress, and the public for what was perceived to be inadequate safeguards to prevent the disaster. The companies involved in the incident might have legal liability for economic damages and clean-up costs totaling billions of dollars. Most U.S. businesses are not drilling for petroleum in an important waterway, but they could still face similar loss exposures on a smaller scale. Millions of companies have fuel storage tanks above or below ground, or transport fuel or chemicals. Manufacturers use a variety of toxic substances in their operations. If any of these substances leak into the land, water, or air, the companies might be responsible for remediation costs and damages. If these companies do not have the right insurance, these costs could drive them out of business. The standard Commercial General Liability (CGL) insurance policy by US Risk does not apply to most accidents involving pollution. It does not cover injuries or damages caused by the escape of a “solid, liquid, gaseous or thermal irritant or contaminant,” nor does it cover any costs the business insures because it was asked or required to clean up the contamination. There are some exceptions; for example, the policy covers a contractor if fuel or fluids leak from construction machinery brought to a job site. It also covers injuries or damages caused by heat, smoke, or fumes resulting from an uncontrollable fire. However, the insurance companies that offer this policy do not intend to cover incidents similar to the gulf oil spill. Some companies offer a Pollution Liability policy that fills much of the coverage gap. It covers injuries or damages caused by an ““emission, discharge, release or escape of pollutants into or upon land, the atmosphere, or any watercourse or body of water.” It defines pollutants in the same terms as does the General Liability policy. One significant feature is that it is a “claims made” policy; it covers pollution incidents that occur on or after a date specified in the policy (called the “retroactive date”) and for which claims are made during the policy term. For example, if the policy has a term of January 1, 2010 to January 1, 2011 and has a retroactive date of January 1, 2007, it will cover a claim made in May 2010 for an incident that occurred in August 2008. It would not cover a claim for an incident that occurred in August 2006. Because so many types of businesses use potentially toxic substances (paints, oils, printer chemicals, etc.), the pollution liability exposure is not limited only to manufacturers and energy companies. All business owners should consult with our professional insurance agents to identify their vulnerabilities to pollution claims and ways to handle them -- before a loss occurs.