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That old show biz mantra rings as true today as ever. The entertainment industry is a multi-billion dollar industry that employs thousands of people. In the course of performing the duties associated with their jobs, many entertainment industry professionals are exposed to risk.

3-out-of-5 Businesses Will Be Sued By An Employee. Have you ever been at one of your clients and heard a seemingly innocent joke and thought to yourself, "Whoa, that was wildly inappropriate!"

Here are the Top 3 positive signals for 2019 and the top 3 challenges marketers and wholesalers can expect to face. In summary, It certainly looks like 2019 is going to be a good year for the E&S industry, signaling revenue growth and market differentiation for those that employ their distribution tactics well. But, it is not without challenges however, and finding the right combination of distribution mediums, channels and marketing service partners will certainly be a difference maker for most companies.

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Check out what's new on CompleteMarkets this week - July 27, 2018

Most medium-sized and smaller companies protect themselves against their property and liability exposures by purchasing Commercial insurance, while large corporations and government agencies prefer to use some type of alternative risk financing. However, businesses of any size can employ this tool to enjoy such benefits as improved cash flow and a lower total cost of risk. Insurers have developed a number of colorful terms for alternative risk financing techniques. These methods include: Excess insurance Reinsurance Guaranteed cost Retrospective rating Large deductible Self-insurance Captive insurance Using alternative risk financing requires management discipline and a willingness to commit resources. Size isn't that important. The main criterion is losses. As a rule of thumb, alternative risk financing makes sense for a business whose claims have these characteristics: (1) Reasonable predictability; (2) moderate volatility; (3) minimal exposure to a catastrophic event; and (4) high frequency and low severity. For example, a large hotel or bank would probably experience a number of small Workers Compensation claims, but few large claims. Casualty insurance products (such as Workers Comp, General Liability, and Auto Liability) are the best candidates for alternative risk financing. Because Comp and Liability claims tend to be paid over one to five years or more, insurance companies that write these policies generate substantial investment income on their premium reserves until losses are paid fully. By using alternative risk financing, your company can invest your funds elsewhere, rather than paying premiums. Our specialists would be happy to review your business and see if alternative risk financing make sense for you.

We have some exciting news to share with you and your team. The CompleteMarkets network is in a unique position to discuss the many challenges our industry is facing because we talk to dozens of our advertisers (MGAs/Wholesale brokers), retail agency owners and individual agents on a daily basis.

Check out what's new on CompleteMarkets this week - November \16, 2018

The number of lawsuits against schools is increasing each day. The claims can range from failure to educate to sexual discrimination. The public and private schools K-12 including colleges, universities and vocational training schools need to protect themselves as well as their employees, students and volunteers. Let us help you in securing tailored coverage for your educational entities.

BTIS is proud to announce our new partnership with Hiscox NOW. We can now provide a fast and easy way to quote and bind coverage for small businesses in a matter of minutes.