https://completemarkets.com/Article/article-post/426/This-Office-Makes-Me-Sick/
... exposure to indoor biological agents. Simple steps, such as regular and daily cleaning of buildings, maintenance of the building envelope to reduce water infiltration, increasing the quantity of outside air, and conducting regular and routine preventive maintenance on HVAC systems, will assure that health risks to building occupants and potential liability for the building owner are minimized. Neil Carlson is a mycologist with the University of Minnesota, Environmental Health & Safety Division. Tom Kapfer is the Technical Director and Arif Quraishi is the Vice President of the Indoor Environments Division at the Institute for Environmental Assessment, Minneapolis, MN. This article is reprinted with permission of Griffin Communications Inc., which can be reached at 1420 Bristol Street N., #220, Newport Beach, CA 92660, (949) 752-1058, toll-free ... 30/2013 by CompleteMarkets Editor , Neil Carlson This content has not been rated yet. Studies have shown that most Americans spend more than 90% of their time indoors and that this environment is significantly more contaminated than the outdoor environment. Maintaining as pollutant-free an indoor environment as possible can improve building occupants' health, reduce liability for building owners and managers, and improve overall productivity. Indoor air pollutants are associated with or directly related to numerous health-related symptoms or complaints. Some of these have been traced to biological contaminants, which can include the organism itself (as simple in structure as bacteria or as complex as a cat) or materials that the organism sheds, eliminates, or produces, such as fungi, bacteria, viruses, and insect parts and feces. FUNGI The most effective means ...
https://completemarkets.com/Article/article-post/2210/SEMINAR-SELLING-WORKS/
...ics would be of interest? [ ] Environmental Pollution [ ] ...
https://completemarkets.com/Article/article-post/2500/OIL-GAS-INDUSTRY-GROWING-INSURANCE-OPPORTUNITIES/
... Pollution/ Environmental
...
https://completemarkets.com/Article/article-post/238/The-Hard-Market-An-E-O-Perspective/
...ophes, social values, changing environmental conditions and requirements (asbestos, pollution and mold), unfavorable legislation,...
https://completemarkets.com/Article/article-post/2351/Crisis-Management-Plan-Introduction/
...ates of contingent product and environmental liability
2. Explain the basis fo... Minimizing lost operating time
Pollution loss reduction
Reduction of ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/238/The-Hard-Market-An-E-O-Perspective/
... term. You can say that underwriting is No. 1 and investment is No 2; the focus is always on No. 1, which makes participation in No. 2 possible. However, increasing loss ratios are an obvious sign that proper attention isn't being paid to underwriting. Too many insurance company executives are fast to blame their underwriting woes on natural and man-made catastrophes, social values, changing environmental conditions and requirements (asbestos, pollution and mold), unfavorable legislation, a hostile legal environment, and so forth The fact is that these situations have been around for many years. Although these issues have had an impact, irresponsible pricing, underwriting laxity, and unbridled competition with the inevitable increasing loss ratios have had an even worse effect. Unfortunately, many companies opted to use cookie-cutter' ... so that they could reduce expenses. In some cases, this drove off experienced and competent underwriters. Even reinsurers joined the parade for a short period. Fortunately, they forced a back to basics' attitude on the rest of us when they started to lose substantial amounts of money and realized how under-reserved the industry was. Many try to blame 9/11 on all of our woes, but things were bad before then, and a healthy, profitable industry would've easily absorbed this catastrophe, even though the process would've been difficult. The shift in emphasis from underwriting to investment has changed the industry. The result: Many companies are financially vulnerable and some are impaired. They've lost enormous amounts of money on both underwriting and investments. The Independent Agency System and direct writers haven't helped matters. ...
https://completemarkets.com/Article/article-post/2352/Crisis-Management-Plan-Crisis-Impact-Considerations/
...luding, but not limited to the Environmental Protection Act (EPA) and the Occu...duct contamination, product recall, pollution, limited resource interdependenc...