It's much easier to assess the financial strength of a carrier in the world of Property and Casualty insurance than in the world of Health insurance. Several organizations have standard rating systems to assess a P/C carrier's strength and financial performance. A broker can quickly compare the financial viability of various P/C carriers using an assigned rating. Brokers usually don't even bother to look at an unrated carrier.

EMERGENCY RESPONSE by Bill Grieb Emergencies can occur in the safest workplace. They can arise from outside or inside. The cause may be human action (deliberate or inadvertent) or natural (anything ...