Title &
Description of Major Article |
Month of
Publication |
Business Continuation
Planning
Have you taken the
necessary steps to make sure your business can survive the loss of
an owner or key employee?
2008 FOCUS
Seminars
Updated list of training seminars as of April
2008
Community Bulletin Board
San
Diego Humane Society Walk for Animals, Senior Community Centers
Heroes Luncheon, and Monarch Class of 2008 Commencement
Ceremony |
04/2008 |
Crisis Management - Is Your Firm
Prepared?
Your company's
chances of managing a crisis increase significantly with the amount
of preparation, planning and training done before a crisis strikes.
Find out how!
2008 FOCUS
Seminars
Updated list of training seminars as of February
2008
Heart Disease
Heart disease
is the leading cause of death in the United States. Take our
Heart Disease Risk Quiz to see where you stand.
Community Bulletin Board
Upcoming events
from the Senior Centers of San Diego, Monarch School, 2008 LAF-Off,
Canstruction San Diego 2008, and more! |
02/08 |
Waivers of
Subrogation
Learn what they are,
how they work, and what you need to know about them.
2008 FOCUS Seminars
Updated list of training seminars
as of December 2007
HR - Mandatory
Earned Income Tax Credit (EITC) Notice to
Employees
In 2008 all employers are required to
notify their employees of the EITC with, or within one week
before or after, Form W-2 or Form 1099 are provided.
Five 2008 New Year Resolutions for
Human Resource Managers
Get your new
year off to a great start with links to documents and classes you'll
need in 2008.
Healthy Portion
Sizes
Learn how to adjust portion sizes to avoid
overeating.
Community Bulletin
Board
See what's happening at Monarch School, the San
Diego Humane Society, and the San Diego Senior Centers. |
12/07 |
Commercial Insurance Marketplace
- What to Expect in 2008
Whether
the market is hard or soft, firms with favorable loss experience can
expect the most competitive rates and best coverage terms.
Workers Compensation Market Report - Outlook for
2008
Even though rates have dropped dramatically, now
is the time to beef up your risk control efforts.
Employee Benefits - Outlook for 2008
It is
certain that rates will rise. The question is: How
much?
2007 FOCUS Seminars
Updated list
of training seminars as of October 2007
San Diego
Master Chorale
Cavignac's Sue Marberry joins the "Voice of
San Diego."
Senior Community
Centers
Transitional Housing Program provides a helping
hand for seniors.
Orchids &
Onions
Coming in November 2007 from the San Diego
Architectural Foundation!
2008 "Diamond in
the Rough" Gala
Monarch School's 2008 benefit
concert features singer Natalie Cole!
San Diego Humane
Society
A wide variety of classes benefits owners and
their pets. |
10/07 |
Managing Real Property
Exposures
Background and
overview of the risk management issues involved in the real estate
lease exposure.
2007 FOCUS
Seminars
Updated list of training seminars as of
August 2007
Retirement - Will You Be
Prepared?
An average American spends 18 years in
retirement - will you be ready?
Workers
Compensation Bulletin: Why Is My Experience Modification Factor
Going Up?
Although experience modification factors are
rising, major workers compensation reforms have actually decreased
net rates.\
Community Bulletin
Board
Provides information about Senior Community Centers
and Monarch School, as well as upcoming events. |
08/07 |
You're at the Rental
Car Counter - What Coverage Do You
Need?
Understanding how your personal or business
insurance works is the key to making an informed decision.
2007 FOCUS Seminars
Updated list
of training seminars as of June
2007
B.E.E.P. Is Back!
The San Diego
Architectural Foundation's "Built Environment Education Program"
returns to San Diego schools.
Safety and
Baseball
Workplace safety is like baseball - to win, you
need to make it home safely every day.
Live
Well, Work Well
Feel better and
think more clearly with regular exercise and healthy
eating.
The New Food Pyramid
How to
choose foods and amounts that are right for you. |
06/07 |
Business Interruption
Insurance
After a loss, business
interruption coverage can make the difference between getting back
in business - or folding your tent!
2007
FOCUS Seminars
Updated list of training seminars as of
April 2007
Eat Well, Live Well
Tips
for healthy eating - and how to change bad eating habits. |
04/07 |
Cost of Risk: Who's Managing
Yours?
Regardless of how big your
company is, formalizing the risk management function will lower your
cost of risk and drive dollars to your bottom line.
BOMA Urgent Action Alert! Back-Flow Preventer
Thefts
Back-flow preventer thefts are costing businesses
thousands! Find out how to protect against
thieves.
2007 FOCUS
Seminars
Updated list of training seminars as of February
2007 |
02/07 |
Timely Reporting of Claims and Claim
Circumstances
Failure
to report claims in a timely manner can jeopardize your
coverage.
2007 FOCUS
Seminars
Updated list of training
seminars as of December 2007 |
12/06 |
Commercial Insurance Outlook for
2007
For many businesses, insurance is a major expense.
Plan your 2007 budget now.
Workers
Compensation Outlook for 2007
Provides an in-depth look at
the current workers compensation market to help you plan your 2007
budget.
Upcoming Training Classes and
Seminars
"Near Miss" - An Accident
That Almost Happened
Treating "near misses" as you would
an accident can help you avoid accidents and claims, and
thereby lower your workers compensation costs. |
10/06
|
Disaster Recovery - A 10-Step Checklist for Disaster
Preparedness
A well thought
out Disaster Recovery Program will go a long way toward reducing the
potential impact of a catastrophic event.
2006 Training
Classes
Updated list of training
seminars as of August 2006
Determining the Validity
of an Internet Site
Read tips to determine if an Internet
site is a valid place to obtain health care
information.
Workers Compensation: Reduce Injuries and Claims with
a Successful Safety Incentive Program (SSIP)
See why
a safer company tends to have better morale and
productivity.
Avoid Discrimination Lawsuits
Protect your business from employee-related lawsuits.
Summer Grilling Safety
Don't let your
barbeque go up in smoke! |
08/06
 |
Contract Review - A Critical Element
of Your Risk Management
Program
The time taken at the
start to quantify risk and negotiate a contract can yield
substantial returns in the event of a problem.
Five Ways to Prepare for the
Unthinkable
Read about the five major issues to consider
to protect your family when you are gone.
2006 Training Classes
Beat the Heat! Tips for Staying Cool When the Weather
Heats Up
Heat can be a threat to health - see how to
prevent summer heat from getting the best of you.
Wear Sun Protection!
Too much sun exposure
can damage your skin and eyes. |
06/06
|
Telecommuting: Home Sweet Home
Office?
Although staff members
can live and work from virtually anywhere there is a high-speed
Internet connection, take a look at the
liability issues.
Industrial Ergonomics
Ergonomic problems at work (and at home) can usually be
solved by simple, common sense solutions.
2006 Training
Classes
Our updated list includes new classes available through
July 20th.
The Accident
Report A bit of humor to brighten
your day! |
04/06
|
| Coverages to Consider - What You Don't Insure Can
Hurt You
Although we don't recommend that you purchase insurance for all, or even most, of the hundreds of exposures to risk, you should be aware of the risks that exist for your firm and what it would cost to insure them.
Additional Exposures You May Want to Consider
A list of exposures you might not have considered in regards to your business.
Things to Do for a Safer Workplace
A checklist of items that will help ensure a safer workplace.
2006 Seminars
A list of Cavignac seminars
to be held in our Downtown Training Room through the month of March,
2006.
MyWave
Intoducing a Value-Added Service available to our Employee Benefits clients!
|
02/06
|
| What You Need to
Know About Crime Insurance
Crime coverage lends itself to being managed - find out how.
Managing the Employee Dishonesty Exposure
Use our Employee Dishonesty Checklist to determine what you're doing right - and which procedures can be implemented or improved.
Drive Safely in Traffic
These driving tips apply not only during the holidays, but also throughout the year.
Enjoy the Holidays!
Tips to lower stress
and increase your enjoyment.
Generic Medications Keep You and Your Wallet Healthy
Find out why generic medications offer the same benefits as brand names, but at far less cost.
2006 Training Seminars
Plan ahead for classes in the Cavignac Training
Room during the first quarter of 2006.
|
12/05
|
| Commercial
Insurance Outlook for 2006: What Can You Expect?
For many businesses, insurance is a major expense. Plan your 2006 budget now.
Upcoming Seminars
2005 Training Seminars available in our downtown Training Room.
Collectively Bargained Workers Compensation (CBWC): Lowering Your Total Cost of Risk
Read how CBWC can signifcantly reduce the Total Cost of Risk for union employers.
Spotting Workers Compensation Fraud: Red Flags
Workers compensation
is one of the most expensive coverages a businessowner must carry.
Read these tips to prevent fraudulent claims.
Cavignac Staff Reaches Out to Katrina Victims
Cavignac & Associates raised over $7,400 for hurricane relief efforts in the Gulf Coast states.
Health Tips from Our Employee Benefits Department
Read how to burn 150 calories a day to significantly reduce the threat of heart disease, high blood pressure, diabetes, colon cancer, anxiety and depression.
|
10/05
|
| Soften the Blow of
Rising Health Care Costs
Choose the employee health plan that's best for your business!
Welcome News for Section 125 Plans: Grace Periods Allowed!
Although the "use it or lose it" rule still applies, the new grace period makes this option much more attractive.
Comparison of Tax-Advantaged Health Care Options
A side-by-side comparison of the advantages and disadvantages of the four most popular health care options.
2005 Changes in Qualified Retirement Plans
See how various dollar limits can
change on occasion.
FAQs about AB 2208 - Same Sex, Registered Domestic Partners
Answers to common questions concerning AB 2208.
|
08/05
|
Inland Marine Insurance
Read why you need an experienced Inland Marine insurance broker to identify your exposures and tailor appropriate coverage.
Reduce Your Total Cost of Risk
Read how you can significantly reduce your Total Cost of Risk and improve your bottom line by implementing an effective Risk Reduction Plan for your firm.
2005 Training Sessions
Cavignac & Associates offers training programs monthly in our Training Room. See the current schedule.
Loss Control Services
Cavignac & Associates offers a variety of
loss control services to our clients, including employee safety,
workers compensation and human resources.
|
06/05
|
Understanding Your Experience Modification: What You Need
to Know
Find out what a workers compensation experience modification is, and how it affects your business.
Top 10 Things You Can Do to Lower Your Experience Modification
Find out what you can do to lower your ex mod.
Cavignac Training Sessions for 2005
Peruse the training sessions now available to our clients in the Cavignac Training Room.
HIPAA Basics - Your Right to Privacy
Read a
summary of HIPAA Privacy Rules.
|
04/05
|
Is Your Property Adequately Insured?
See why spending the time to make sure your property is adequately insured is worth the effort, and how to go about it.
Medical Provider Networks (MPNs) - What Are They?
MPNs are health care provider
entities or groups whose goal is to provide injured workers with
quality medical care. See how MPNs can benefit your
business. |
02/05
|
Safety Programs: Safety Is YOUR
Responsibility!
Accidents cost money. Read how to develop a Safety and Health Program for your firm that can reduce your claims and ultimately lower your insurance premiums.
When an Accident Happens, Take Action - But What?
Firms that dedicate the time and effort to develop successful accident investigation processes and then follow the safety plans and procedures derived from them can make significant improvements to their bottom lines.
'Twas the Night Before Christmas (Insurance Underwriters' Version)
Do insurance underwriters
ever take a holiday from thinking in terms of risks, hazards and
loss control? See what you think! |
12/04
|
Commercial Insurance Outlook for 2005
Budget planning assistance based on educated assumptions about the state of the insurance market in 2005.
California's Workers Compensation Outlook for 2005
Provides an in-depth look at the
current workers compensation market to help you plan your 2005
budget. |
10/04
|
Mergers & Acquisitions: Insurance
Implications
A thorough analysis of a company's risk management and insurance programs is critical to a successful merger or acquisition.
Mergers & Acquisitions - Risk Management Questionnaire
Gather the information necessary to conduct a risk management and insurance program analysis.
Liability Limits: How Much Should I Carry?
Four factors to consider when
evaluating your limits of liability. |
08/04
|
International Insurance: Do You Need It?
As more and more companies do
business in foreign countries, use foreign suppliers and/or service
providers, international insurance coverage has become a "must." See
if you should have it!
|
06/04
|
Your Workers Compensation Final Audit
The audit process is set up so that errors benefit the insurance company. Find out how to make sure the audit process benefits your firm!
Premium for Uninsured Subcontractors
Find out why you need
to make sure your subcontractors furnish proof of their own workers
compensation insurance coverage! |
04/04
|
Employers Liability: What Does It Cover?
It's important to know the coverage provided by the "Employers Liability" section of your workers compensation policy.
Explanation of 2004 Workers Compensation Insurance Assessments
See how workers compensation insurance
assesments have changed for 2004. |
02/04
|
Workers Compensation Insurance: Extraterritorial
Exposures
Workers compensation law differs from state to state. Do you have a workers
compensation exposure in another state?
Cybersecurity a Challenge
What can you do to protect your business?
Senior Community Center of San Diego
Here's
an excellent way to give back to our community this Holiday
Season. |
12/03
|
Insurance Outlook 2004 - What to Expect
Provides premium estimates for 2004 based on educated assumptions to help
you plan your budget.
California's Workers Compensation Market - What's Going On?
Provides an in-depth
look at the current Workers Compensation market to help you plan
your 2004 budget.
|
10/03
|
Protecting Your Electronic Assets
What would you do if your entire computer system had crashed or been
destroyed?
Off-Site Backups
What if you can't get to backups you store on your premises?
Patrick Casinelli Wins 2nd Place in World Bodysurfing Championships
Patrick
Casinelli, head of our Employee Benefits Department, competed in the
2003 World Bodysurfing Championships.
|
08/03
|
Mold Is a Four Letter Word
"Toxic Mold" - the "next asbestos" - is a major concern for everyone associated with the building industry and buildings in general.
Reduce Your Total Cost of Risk: Strategies for Winning
Significantly reduce your "Total Cost of Risk" by implementing an
effective Risk Reduction Plan (RRP).
Cavignac Staff Shines This Summer!
Community events our staff will be involved in
this summer. |
06/03
|
Employee Benefits: Defined Contribution Plans (HRAs) vs.
Section 125 Cafeteria Plans
See what type of plan best fits your firm's needs.
Property/Casualty Insurance Industry Earned 1% in 2002
The industry is improving,
but it's still not healthy. |
04/03
|
Mediation and Why You Need to Know About It
A great majority of civil suits are settled before trial. Learn how to work
toward a conciliatory (win/win) settlement of disputes that may keep your
client relationship in good standing and negate the necessity for more legal
action.
Don't Fear Mediation
Read a case history showing how mediation actually works.
The Underwriting Ramifications of Your Web Site
Be careful what you put on your Web site! It can affect how an underwriter
perceives your company.
Employee Benefits
Employee benefits play an important role in
employee compensation and employment packages that attract and help
retain qualified staff. Find out how we can
help! |
02/03
|
Negotiating
Manage risk and cut losses through the art of negotiation.
Hope and Fear: Two Powerful Motivators
Make sure you provide your clients with recommendations for solving their problems and stress your role as their advocate.
Conventional Wisdom Turned Updside Down
Examine the myths of negotiation.
Cavignac & Associates' Charitable Giving Program
Employee contributions
benefit the Polinsky Children's Center and Monarch
School.
|
12/02
|
Insurance Requirements in a Hard Insurance
Market
Subcontractors are increasingly unable to provide the preferred additional
insured endorsement required by their clients. What can be done?
Cavignac & Associates Opens Employee Benefits Department
Your employee benefits needs are now available from Cavignac & Associates!
Workers Compensation: Steps to Take in the Event of a Claim
The 48 hours immediately following an employee injury are critical.
Workers Compensation: Providing an Effective Return to Work Program
The only way to control workers compensation premiums is to control claims. Explore the "Return to Work Program" claims control technique.
Early Return to Work Guidelines
View an
Early Return to Work Guidelines sample. |
10/02
|
Reservation of Rights Letters
A reservation of rights provides an insurance company the flexibility to
satisfy its duty to defend without committing to coverage. It requires
careful monitoring and attention from the insured business owner.
Record Retention
A well-crafted and implemented record-keeping plan is an important part of
your firm's overall risk management program.
Workers Compensation Benefits Increase in 2003
How will the
legislative increases affect the cost of your workers compensation
insurance?
|
08/02
|
California's Workers Compensation Market: Is It Getting
Any Better?
See what to expect at your next workers compensation insurance renewal.
5 Ways to Control Your Workers Compensation Costs
Suggestions for controlling your workers compensation insurance.
TWIN Award Winner: Sue Marberry
Our Office Manager, Sue
Marberry, receives a Tribute to Women in Industry (TWIN)
Award.
|
06/02
|
The State of the Insurance Market Today - What to Expect
at Your Next Renewal
You've heard about the drastic insurance price increases taking place. Why has this happened, how long will it last, and what can you do about it?
Directors and Officers Liability Insurance - Do You Need It?
D&O insurance protects directors and officers of a company from allegations of negligence in their duties as directors or officers. Do you need this coverage?
Charitable Opportunities - Senior Community Center Breaks Ground for Market Square Manor
Market Square Manor will provide 200
handicap-accessible units for low-income seniors who can now look
forward to living with dignity in a safe
environment. |
04/02
|
Controlling Employment Practices Liability
Claims
Recommendations to help your organization reduce its exposure to employment practices liability claims.
On the Web...
Protect your company - web
sites to help you keep up with Internet law issues. |
02/02
|
Workers Compensation Insurance - A Primer
As an employer, it is imperative that you understand how the workers
compensation system works, the benefits it provides, and you rights as an
employer.
Our Privacy Policy
We value you as a client and take your company's privacy seriously. We offer
our written privacy policy for your information.
Our Commitment to San Diego's Non-Profit Organizations
We strive to be an effective corporate citizen,
contributing our time and money to local non-profit and civic
organizations we believe in. Here is a brief recap of our charitable
endeavors in 2001.
|
12/01
|
Managing the Employee Dishonesty Exposure
Employees stealing their employers' assets happens more often than you'd think, and the perpetrator is generally a long-term, trusted employee. Learn how to reduce your exposures to loss.
Employee Dishonesty Internal Controls Questionnaire
Reduce your exposures to employee dishonesty claims by
completing this questionnaire
Six Thieves - Non-Profit Employee Dishonesty
Six real-life claims illustrate the need for employee
dishonesty protection.
Winter in Southern California
Tips to
prevent damage to structures and property as well as business down
time caused by winter weather.
|
10/01
|
I've Been Sued!
What should you do? What happens next?
"Legaleze" in Claims Handling
Brief definition of terms used in the legal
process. |
08/01
|
The Trouble with E-Mail
One minute it's your friend; the next minute, it's telling everyone your deepest secrets. You just can't trust it!
E-Mail Essentials
A checklist for you to use.
Tough Times for Some Insurance Companies
Pay careful attention to your insurance companies' financial stability.
Under Construction: E-Newsletters
All-new electronic
newsletters are on the way later this year. |
06/01
|
California's Workers Compensation System: On the Verge of
Collapse?
The
California workers compensation insurance market is in trouble. Find
out why, and how this will affect your premium
costs.
|
02/01
|
Internet Liability Insurance: Do You Need
It?
Companies that disseminate information to the public, whether
through an Internet web sites, desktop publishing, or e-mail, now face all of
the exposures that traditional publishers face. Find out more about these
exposures as well as available Internet liability coverage.
Tough Times for Some Insurance Companies
Downgraded ratings, Insurance Department takeovers, and even
liquidation plague several major insurance companies in the wake of the
prolonged "soft market." It's wise to pay attention to the financial
stability of your insurance companies.
Charitable Opportunities
Senior Community Centers and Polinsky
Children's Center share the Cavignac & Associates' spotlight
during the Holiday Season.
|
12/00
|
State of the Current Insurance Marketplace
The downward premium spiral is
at an end. Jeffrey Cavignac analyzes the current marketplace as
insurance companies face downgrades, failures, and consolidation
following twelve years which have benefited consumers with lower
premiums.
|
08/00
|
Auto Coverage in Mexico - Addressing the perennial problem
The Republic of Mexico considers any auto accident a criminal offense as well as a civil matter. Even though you carry U.S. insurance, Mexican authorities may not choose to recognize it. Don't become another sad example!
Driving in Mexico
Safety tips for the roads in our neighbor to the south
Violence in the Workplace
With workplace violence becoming a reality for all types of businesses, a new product is now available for this distressing risk.
Downtown Senior Center - "Serving Seniors"
Seniors have served us; now
it's our turn to help them... "Serving Seniors" benefits not only
the seniors!
|
06/00
|
Improving Employee Relations
Why employees and employers often perceive
workers compensation to be adversarial
Basic Workers Compensation Summary
Sample summary answers basic questions about workers
compensation
Charitable Opportunities
Cavignac & Associates honors our "Star Award Volunteer
of the Year" from San Diego Junior Theatre
Insurance Fraud Causes Premium Increases
Only tax evasion surpasses
insurance fraud as the most costly white-collar crime in the U.S. -
and innocent consumers pay the price
|
04/00
|
Coverage
Simplified: Commercial General Liability Insurance
It's a good idea to have a basic understanding of
how your coverage works
Commercial
Insurance Pricing Trends
It appears as though the "soft market" cycle may have ended
Other
Commercial Liability Coverages to Consider
A partial list of insurance coverages you may need
but not have
Winter
Weather Loss Prevention
Damage to structures and property could be prevented
through routine inspection and maintenance procedures
You've
Got Mail
E-mail can open your business to
liability
|
02/00
|
D
& O Insurance
Do directors and officers of privately owned companies
need coverage?
Online
Criminals Threaten Businesses
In 1998, more than 50% of all businesses suffered losses which totaled
more than $200 billion
Facts
About Insurance Fraud
Insurance fraud is the second largest economic
crime in the United States, second only to tax evasion
|
12/99
|
Environmental
Coverage for Non-Environmental Business
Many insureds have significant uninsured exposures;
anyone who has even a remote exposure should at least consider this
coverage
California's
Workers Compensation Insurance Industry in Turmoil
Industry experts predict workers compensation
premium increase for the coming year
|
10/99
|
Certificates
of Insurance
The pros and cons of using certificates of insurance
Insurance
Definitions
A quick primer on the meaning of insurance
terminology
|
08/99
|
Workers
Compensation: State of the Market
A brief history of workers
compensation and the outlook for the future
Workers Compensation Definitions
Definitions of common workers compensation insurance
terms
Loss
Prevention and High Wire Walking
Successful business enterprise will benefit
from loss prevention
|
06/99
|
Executive
Liability
Unique loss exposures faced by corporate executives
Making Sense of Insurance Terms
Insurance
terminology definitions by the California Department of
Insurance
|
04/99
|
Crisis!
How would your company handle
a major crisis? Are you prepared?
NICB:
Taking a Bite Out of Insurance Crimes
Here are a few of the National
Insurance Crime Bureau's top cases in California
|
02/99
|
Year
2000 Information and Readiness Disclosure Act
Determine how you can best
take advantage of the new law's provisions to minimize your
potential liabilities
|
12/98
|
Employee
Dishonesty - Could It Happen to You ?
Most employee theft losses are
caused by long-term, well-thought-of employees
|
10/98
|
Life
Insurance
How
much do you need, and what kind? A quick and simple survey to help
determine your needs
Filing a Claim: Some Helpful Do's and
Don'ts
Knowing what to do when you have a claim can help you
get the best value for your insurance dollar
Have You Displayed Employee Posters?
It's
important to display required employer posters demonstrating that
the employee was advised of his or her rights in case of an
employment lawsuit |
08/98
|
Laptop
Computer Security
How
good is your security program? Suggestions to help protect your
laptop and the information stored in it
|
05/98
|
"All
Risk" Property Coverage: There's No Such Thing!
The misnomer "all risk" has
been changed to "special perils" to avoid
misunderstandings
|
03/98
|
