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	<title>WGA InsureBlog &#187; Phil Edmundson</title>
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		<title>WGA InsureBlog &#187; Phil Edmundson</title>
		<link>http://blog.wgains.com</link>
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		<title>Software&#8217;s End User Licensing Agreements on trial</title>
		<link>http://blog.wgains.com/2010/09/07/softwares-end-user-licensing-agreements-on-trial/</link>
		<comments>http://blog.wgains.com/2010/09/07/softwares-end-user-licensing-agreements-on-trial/#comments</comments>
		<pubDate>Tue, 07 Sep 2010 17:03:07 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Errors & Omissions Liability (E&O)]]></category>
		<category><![CDATA[software end user license agreement]]></category>
		<category><![CDATA[Technology Risks]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1362</guid>
		<description><![CDATA[Everyone has experienced the software End User Licensing Agreement (EULA) when downloading something new. They go on for pages of very small print and are unintelligible even if they were not so long. We all simply click &#8220;Agree&#8221; and move on to hopefully nothing more painful. EULAs are mostly meant as a deterrent against undue [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1362&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>UAE disrupting data security exposes tech companies to expanded risks</title>
		<link>http://blog.wgains.com/2010/08/04/uae-disrupting-data-security-exposes-tech-companies-to-expanded-risks-2/</link>
		<comments>http://blog.wgains.com/2010/08/04/uae-disrupting-data-security-exposes-tech-companies-to-expanded-risks-2/#comments</comments>
		<pubDate>Wed, 04 Aug 2010 14:46:14 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[data breaches]]></category>
		<category><![CDATA[data security insurance]]></category>
		<category><![CDATA[privacy]]></category>
		<category><![CDATA[privacy insurance]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1202</guid>
		<description><![CDATA[Another front in the battle over Data Security and Privacy broke out this week when the United Arab Emirates (UAE) announced its intention to shut down mobile services over Blackberry smart phones made by Research in Motion (RIM). The UAE, concerned about security and looking for ways to intercept illegal and terrorist activity, threatened to [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1202&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Ageism is the next Employment Practices Liability frontier</title>
		<link>http://blog.wgains.com/2010/07/22/ageism-is-the-next-employment-practices-liability-frontier/</link>
		<comments>http://blog.wgains.com/2010/07/22/ageism-is-the-next-employment-practices-liability-frontier/#comments</comments>
		<pubDate>Thu, 22 Jul 2010 17:43:20 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Directors & Officers Liability]]></category>
		<category><![CDATA[Employment Practices Liability]]></category>
		<category><![CDATA[ageism]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1165</guid>
		<description><![CDATA[An article in today&#8217;s Wall Street Journal, &#8221; &#8216;Objection!&#8217; Older Lawyers Resist Forced Retirement&#8221;, points out the tip of an emerging iceberg. We have all heard those catchy phrases like &#8220;60 is the new 50&#8243;. Well, some of that thinking is coming to a courtroom near you. The article outlines ageism-related cases brought by partners at [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1165&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>DHCFP Speaks</title>
		<link>http://blog.wgains.com/2010/06/29/dhcfp-seaks/</link>
		<comments>http://blog.wgains.com/2010/06/29/dhcfp-seaks/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 16:37:50 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[insurance premiums]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1086</guid>
		<description><![CDATA[Not everyone is familiar with the Massachusetts Division of Health Care Finance and Policy (DHCFP) as Commissioner David Morales readily admits. But, this state agency is trying to drive health care cost control reform as much as anyone in the state. Alongside Massachusetts Attorney General Martha Coakley and private industry studies such as the McKinsey [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1086&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Wellness incentives &#8211; a lesson from workers compensation</title>
		<link>http://blog.wgains.com/2010/06/25/wellness-incentives-a-lesson-from-workers-compensation/</link>
		<comments>http://blog.wgains.com/2010/06/25/wellness-incentives-a-lesson-from-workers-compensation/#comments</comments>
		<pubDate>Fri, 25 Jun 2010 20:01:40 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[employee benefit plans]]></category>
		<category><![CDATA[healthcare expense cotnrol]]></category>
		<category><![CDATA[wellness]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1070</guid>
		<description><![CDATA[As consultants and advocates for our clients, we want our clients to have a broader set of pro-active tools to reduce the cost of health insurance. One of those tools that still is mostly untapped is employer-sponsored Wellness initiatives at the worksite. Wellness is hardly a new concept. Many researchers have reported on the success [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1070&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>BP in a catch 22</title>
		<link>http://blog.wgains.com/2010/06/07/bp-in-a-catch-22/</link>
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		<pubDate>Mon, 07 Jun 2010 15:02:46 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[business interruption]]></category>
		<category><![CDATA[claims]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1019</guid>
		<description><![CDATA[Consider the dilemma facing the CEO of BP and the CEOs of other major deep-sea drilling companies in light of the disaster in the Gulf of Mexico as they contemplate possible securities and other liability litigation. Tony Hayward, BP&#8217;s CEO, needs to protect BP&#8217;s reputation in order to maintain loyalty for its consumer products like its gas [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1019&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>A conversation with Andrew Agnew of JLT</title>
		<link>http://blog.wgains.com/2010/05/07/an-conversation-with-andrew-agnew-of-jlt/</link>
		<comments>http://blog.wgains.com/2010/05/07/an-conversation-with-andrew-agnew-of-jlt/#comments</comments>
		<pubDate>Fri, 07 May 2010 20:02:25 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[business interruption]]></category>
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		<guid isPermaLink="false">http://blog.wgains.com/?p=932</guid>
		<description><![CDATA[I recently had a chance to catch up with Andrew Agnew, Chairman of Jardine Lloyd Thompson Limited (JLT Group) of London. He has almost 30 years in the insurance industry with experience in all areas of the marine and non-marine market. Our conversation was on the heels of the oil rig explosion off the Gulf [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=932&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Product withdrawal opens drug companies to litigation</title>
		<link>http://blog.wgains.com/2010/04/16/product-withdrawal-opens-drug-companies-to-litigation/</link>
		<comments>http://blog.wgains.com/2010/04/16/product-withdrawal-opens-drug-companies-to-litigation/#comments</comments>
		<pubDate>Fri, 16 Apr 2010 18:01:29 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[drug and safety]]></category>
		<category><![CDATA[life sciences]]></category>
		<category><![CDATA[reputational injury]]></category>
		<category><![CDATA[single source supplier]]></category>
		<category><![CDATA[supply chain risks]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=848</guid>
		<description><![CDATA[Yesterday&#8217;s New York Times describes possible harm to customers of biotechnology giant, Genzyme Corporation, arising out of the reduced availability of Genzyme&#8217;s products as a result of a plant shutdown caused by a virus contamination at Genzyme&#8217;s plant. The story relates that such a viral contamination is not uncommon in the production of biological products. The [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=848&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>Pharmaceutical heist highlights a growing trend</title>
		<link>http://blog.wgains.com/2010/03/18/pharmaceutical-heist-highlights-a-growing-trend/</link>
		<comments>http://blog.wgains.com/2010/03/18/pharmaceutical-heist-highlights-a-growing-trend/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 13:49:01 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[claim trends]]></category>
		<category><![CDATA[pharmeceutical]]></category>
		<category><![CDATA[supply chain risks]]></category>
		<category><![CDATA[theft]]></category>
		<category><![CDATA[transit]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=739</guid>
		<description><![CDATA[The $75 million theft of pharmaceuticals from an Eli Lilly warehouse on Sunday in Connecticut is just the latest in a series increasingly large thefts of prescription drugs. Authorities say the thieves lowered themselves from the roof of the warehouse after cutting a hole in it. According to Freight Watch International, a supply cain security [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=739&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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		<title>SEC focuses on disclosing climate change related issues</title>
		<link>http://blog.wgains.com/2010/02/23/sec-focuses-on-disclosing-climate-change-related-issues/</link>
		<comments>http://blog.wgains.com/2010/02/23/sec-focuses-on-disclosing-climate-change-related-issues/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 04:26:04 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[climate change]]></category>
		<category><![CDATA[Directors & Officers Liability]]></category>
		<category><![CDATA[risk management]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=598</guid>
		<description><![CDATA[Lawyers are reporting that the Securities and Exchange Commission (SEC) is increasing the expectations that publicly-traded companies should outline climate change related issues. As a sample description of this trend, see this Advisory to from Sullivan and Worcester. Failure to notify shareholders of the impact of operations on climate change may leave management exposed to extensive securities [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=598&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
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