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.

November 24, 2015The Foundational Elements of a Strong Workplace Safety CultureIf you’re a not-for-profit service provider looking to reduce workers compensation costs, one of the best ways to do so is by building a culture of safety. Once everyone in your organization understands why a safety culture is important, you have to lay the foundation for this new culture. There are three key premises to consider: optimal teamwork, a learning and growing environment and a focus on a predictive model versus a reactive model. November 16, 2015Use Contractual Risk Transfer to Improve PerformanceIndustrial distributors face a complex set of risks that if not properly managed can result in poor financial performance, or in extreme cases jeopardize the business itself. These risks are managed by a number of people and functions in a distributor’s organization. Furthermore, purchasing departments are mindful of their supplier agreements, exposure to price shifts, and diversity of suppliers. November 9, 2015Flood Insurance for Business: Homeowners aren't the only ones who need itWhen you hear the term “flood insurance” you might think it’s a precaution that homeowners need to take so they can cover any damages caused by a storm that floods their basement. While flood insurance is important for those that live in areas prone to flooding, flood insurance for business is also a worthwhile investment.

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 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. Volume VII, Issue 2: Q2 2015In this issue, The Graham Company’s Manufacturing & Distribution Division discusses business continuity plans, overcoming globalization challenges, keeping your employees safe, 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.