Risk Matters Blog

Read The Graham Company's blog regularly to find the information you need to make informed decisions about managing risk. Here you can get the facts on various insurance policies, read one of our advisor's point-of-views on a story in the news or keep up on the latest trends in the industry.

May 2, 2016Captives 101: What is a Captive & Is It Right for Your Business?For a number of years, the insurance market has been favorable for insurance buyers in terms of pricing, although sharpened underwriting, reduced capacity, and coverage limitations remain challenges. Despite this trend, the captive insurance market continues to grow. The model works in every cycle. If your business is analyzing its options, you should keep in mind the pros and cons of the traditional insurance market – knowing this will help you determine which loss-sensitive structure may be a fit. April 25, 20166 Steps to Prepare Your Business for 2016 Atlantic Hurricane SeasonAccording to AccuWeather, the East Coast may be in for a wet and windy couple of months ahead. Hurricane season, which runs from June 1 through Nov. 30, is a little over a month away from its start, but forecasters are already buzzing about what Mother Nature has in store for the East Coast. Weather forecasters are predicting 14 storms - eight hurricanes and six tropical storms - will develop in the Atlantic Ocean this season. However, there is one caveat that could limit the number of storms we experience. Weather forecasters are calling it a “cold blob” of water in the North Atlantic Ocean that could push its way south into tropical regions of the ocean. April 18, 2016Checklist: Essential Disaster Recovery Plan ComponentsIn a recent article published on PropertyCasualty360, I detailed five ways to protect your business from natural disasters. The first step was to form a disaster recovery team that is tasked with developing a disaster recovery plan, also known as a business continuity plan. Here, I share a checklist of some of the key components of a disaster recovery plan that the dedicated team should consider before sitting down to write the plan. By taking the time to discuss these key considerations upfront, the team will be poised to deliver a plan that will position the business to quickly recover from a disturbance and keep it running as usual.

Claim Bytes Newsletter

From Workers Compensation issues to complex risk management claims, our experienced Claims Services Team breaks down the most important stories on a bi-annual basis.

Issue 2: FallEbola Risk Considerations for All Employers; Employee Stretching Programs – What Really Works? Plus Safety Tips to Prepare for Winter Issue 1: Winter10 Tips to Mitigate Wage and Hour Exposure; Delaware Worker's Comp Reform Bill; Motivating Employees to Stay Healthy Issue 2: SummerMaximizing Coverage and Limiting Financial Exposures; Slip-and-Fall Claims: Protecting Your Business


More than just providing bonds, our Surety professionals handle everything from a complete review of your financial history to effectively managing the relationship with your bonding company. Here, we provide best practices and timely tips on a quarterly basis.

Spring 2013: Contractors who don't embrace technology are heading for extinctionToday, the new wave of technology is mobile and it's already being used by the best construction companies. Fall 2012: Cash is King; Debt is DeadlyIn the current economic environment, contractors may struggle with cash flow. Surety support is often the lifeblood of a construction business.

Graham Advisor Newsletter

We turn words into actions; our clients share stories of what it meant to their business. Safety tips, industry news and best practices are also featured quarterly.

Volume VIII, Issue 1: Q1 2016In this issue, The Graham Company’s Health & Human Services Division covers how providers can make healthcare safer by creating a strong foundation for their safety culture, accountable care organizations, self-funding plans and more. Volume VII, Issue 4: Q4 2015In this issue, The Graham Company’s Construction Division discusses OCIPS and CCIPs, fleet safety best practices, employee training and more. Volume VII, Issue 3: Q3 2015In this issue, The Graham Company’s Real Estate Division discusses lender requirements, mitigating the risk of slip-and-fall situations, water damage prevention methods, and more.

White Papers

We tackle the issues that keep you up at night, in-depth insight from Graham's most experienced executives.

3 Foundational Elements for a Strong Safety CultureNot-for-profit service provider agencies that want to reduce workers compensation costs can do so by building a culture of safety. The foundation for a culture of safety is made up of three key premises – optimal teamwork, a learning and growing environment and a focus on a predictive model versus a reactive model. Lender Insurance Requirements: Adequate Protection for Your Real Estate Investment?When purchasing or refinancing commercial or multifamily real estate property, buyers are required by lenders to secure insurance coverage that meets minimum standards. Although lenders set these requirements, oftentimes the minimum requirements are just that – the minimum coverage you should seek to protect your property or new acquisition. There are many confusing provisions built into these lender requirements. The goal of this article is to break down the provisions and guide you on what you need to consider as part of your overall comprehensive risk management and insurance program for your real estate property. Preventing Data BreachesExperts have predicted 2015 will be the year of healthcare data breaches, and it appears that this prediction may be spot on based on the number of incidents that have already been reported in just the first six months of this year.