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	<title>WGA InsureBlog</title>
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		<title>Implementation of Federal Sunshine Law delayed for drug and medical suppliers</title>
		<link>http://blog.wgains.com/2012/01/26/implementation-of-federal-sunshine-law-delayed-for-drug-and-medical-suppliers/</link>
		<comments>http://blog.wgains.com/2012/01/26/implementation-of-federal-sunshine-law-delayed-for-drug-and-medical-suppliers/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 20:46:00 +0000</pubDate>
		<dc:creator>Jamie Balboni</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Centers for Medicare and Medicaid Services]]></category>
		<category><![CDATA[Federal Sunshine Law]]></category>
		<category><![CDATA[life sciences]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3609</guid>
		<description><![CDATA[The Centers for Medicare and Medicaid Services (CMS) released guidance back in December regarding the implementation of the Federal Sunshine Law and the proposed timing. Since then, the timeline for formal introduction of the law has been revised by CMS, delaying how soon those manufacturers must begin to collect data for their reports. Rather than [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3609&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2012/01/26/implementation-of-federal-sunshine-law-delayed-for-drug-and-medical-suppliers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
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			<media:title type="html">jamiebalboni</media:title>
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			<media:title type="html">Drugs2</media:title>
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		<item>
		<title>A refresher on Mass Workers Comp QLMP premium credits</title>
		<link>http://blog.wgains.com/2012/01/24/a-refresher-on-mass-workers-comp-qlmp-premium-credits/</link>
		<comments>http://blog.wgains.com/2012/01/24/a-refresher-on-mass-workers-comp-qlmp-premium-credits/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 15:07:16 +0000</pubDate>
		<dc:creator>Ronni Rausch</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[workers compensation]]></category>
		<category><![CDATA[QLMP]]></category>
		<category><![CDATA[Assigned Risk Pool]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3575</guid>
		<description><![CDATA[With the Workers Compensation market tightening up, many risks are being forced to secure coverage through an Assigned Risk Pool. Approximately 15% of all Massachusetts risks are currently assigned to the pool, but this percentage could increase with the anticipation of Chartis and ACE pulling back and showing less of an appetite for this line of coverage. In Massachusetts, members within the pool are eligible for what is [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3575&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2012/01/24/a-refresher-on-mass-workers-comp-qlmp-premium-credits/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">ronnirausch</media:title>
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		<media:content url="http://wgains.files.wordpress.com/2012/01/qualifiedloss.jpg" medium="image">
			<media:title type="html">QualifiedLoss</media:title>
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		<item>
		<title>Blame game continues with Italian cruise liner disaster</title>
		<link>http://blog.wgains.com/2012/01/20/blame-game-continues-with-italian-cruise-liner-disaster/</link>
		<comments>http://blog.wgains.com/2012/01/20/blame-game-continues-with-italian-cruise-liner-disaster/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 14:58:40 +0000</pubDate>
		<dc:creator>Phil Edmundson</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[risk management]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3571</guid>
		<description><![CDATA[As the true tragedy of the sinking of the cruise liner Costa Concordia begins to take full shape, the finger-pointing has grown from a whisper to a roar. Perhaps the ship was too close to the coast. Why didn&#8217;t the navigational system and sonar find the sand bank/rocks that gashed the ship? Aren&#8217;t these ships [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3571&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2012/01/20/blame-game-continues-with-italian-cruise-liner-disaster/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">Phil Edmundson</media:title>
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			<media:title type="html">CostaConcordia</media:title>
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		<item>
		<title>The squeeze on E&amp;O Insurance for technology companies</title>
		<link>http://blog.wgains.com/2012/01/11/the-squeeze-on-eo-insurance-for-technology-companies/</link>
		<comments>http://blog.wgains.com/2012/01/11/the-squeeze-on-eo-insurance-for-technology-companies/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 16:00:51 +0000</pubDate>
		<dc:creator>John Doernberg</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[cyberliability]]></category>
		<category><![CDATA[Errors & Omissions Liability (E&O)]]></category>
		<category><![CDATA[Protected Health Information (PHI)]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3543</guid>
		<description><![CDATA[Most companies that sell technology-based products or services purchase Errors and Omissions (E&#38;O) Insurance to indemnify them from liability caused by the failure of their products or services. When the vendor’s products or services require access to the clients’ confidential information – and especially personally identifiable information (PII) or protected health information (PHI) – the nature and [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3543&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2012/01/11/the-squeeze-on-eo-insurance-for-technology-companies/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">jdoernberg</media:title>
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		<media:content url="http://wgains.files.wordpress.com/2012/01/datalock.jpg" medium="image">
			<media:title type="html">datalock</media:title>
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		<media:content url="http://www.wgains.com/assets/blog/authors/JohnDoernberg.jpg" medium="image" />
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		<item>
		<title>Does the childhood obesity campaign in Georgia cross the line?</title>
		<link>http://blog.wgains.com/2012/01/06/does-the-childhood-obesity-campaign-in-georgia-cross-the-line/</link>
		<comments>http://blog.wgains.com/2012/01/06/does-the-childhood-obesity-campaign-in-georgia-cross-the-line/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 15:39:54 +0000</pubDate>
		<dc:creator>Scott Kirschner</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[childhood obesity]]></category>
		<category><![CDATA[corporate wellness]]></category>
		<category><![CDATA[obesity]]></category>
		<category><![CDATA[wellness]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3547</guid>
		<description><![CDATA[Those of you who have read my previous blog  items on obesity know that this trend in our society worries me. There are two children’s hospitals in Atlanta that merged many years ago, and they recently started an organization called Strong4Life to combat childhood obesity. I lived in Atlanta for many years and can attest, both anecdotally [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3547&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2012/01/06/does-the-childhood-obesity-campaign-in-georgia-cross-the-line/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">scottkirschner</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2012/01/workout.jpg" medium="image">
			<media:title type="html">workout</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2012/01/image004.jpeg" medium="image">
			<media:title type="html">image004</media:title>
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		<media:content url="http://www.wgains.com/assets/blog/authors/ScottKirschner.jpg" medium="image" />
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		<item>
		<title>Storm clouds loom over Workers Compensation market</title>
		<link>http://blog.wgains.com/2011/12/30/storm-clouds-loom-over-workers-compensation-market/</link>
		<comments>http://blog.wgains.com/2011/12/30/storm-clouds-loom-over-workers-compensation-market/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 16:48:50 +0000</pubDate>
		<dc:creator>David Bardelli</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[workers compensation]]></category>
		<category><![CDATA[NCCI]]></category>
		<category><![CDATA[National Council on Compensation Insurance]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3506</guid>
		<description><![CDATA[With the economy in slow recovery for the foreseeable future, we are taking the time to look at how this will affect the Workers Compensation marketplace. The NCCI (National Council on Compensation Insurance) has recently focused on several factors which, in part, drive the workers compensation market. Some of these factors include unemployment, industrial production, [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3506&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/12/30/storm-clouds-loom-over-workers-compensation-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">davidbardelli</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/12/claimform.jpg?w=150" medium="image">
			<media:title type="html">claimform</media:title>
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		<item>
		<title>Buyer, be prepared</title>
		<link>http://blog.wgains.com/2011/12/28/buyer-be-prepared/</link>
		<comments>http://blog.wgains.com/2011/12/28/buyer-be-prepared/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 19:08:36 +0000</pubDate>
		<dc:creator>Michael Sullivan</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Directors & Officers Liability]]></category>
		<category><![CDATA[Employment Practices Liability]]></category>
		<category><![CDATA[EPL]]></category>
		<category><![CDATA[Fiduciary Liability]]></category>
		<category><![CDATA[management liability]]></category>
		<category><![CDATA[private D&O]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3485</guid>
		<description><![CDATA[Over the last decade, private company Management Liability policies (Directors’ &#38; Officers’ Liability, Employment Practices Liability, Fiduciary Liability) have been very competitively priced with generally loose underwriting guidelines. But, as a famous Greek philosopher once said, “Nothing endures but change” – and we are currently in the midst of a pendulum swing towards stricter underwriting. [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3485&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/12/28/buyer-be-prepared/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">mikesullivan123</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/12/boardroom.jpg" medium="image">
			<media:title type="html">boardroom</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/authors/MikeSullivan.jpg" medium="image" />
	</item>
		<item>
		<title>The expected boom in cyberinsurance</title>
		<link>http://blog.wgains.com/2011/12/23/the-expected-boom-in-cyberinsurance/</link>
		<comments>http://blog.wgains.com/2011/12/23/the-expected-boom-in-cyberinsurance/#comments</comments>
		<pubDate>Fri, 23 Dec 2011 17:53:41 +0000</pubDate>
		<dc:creator>John Doernberg</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[cyber crime]]></category>
		<category><![CDATA[cyberinsurance]]></category>
		<category><![CDATA[data breaches]]></category>
		<category><![CDATA[data security insurance]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3514</guid>
		<description><![CDATA[The New York Times published an article today predicting that there will be a surge in the purchase of what it refers to as &#8220;cyber insurance&#8221; – insurance covering a range of exposures relating to the breach of privacy and network security. The article has some significant exaggerations and misleading statements, and it quotes extensively from [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3514&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/12/23/the-expected-boom-in-cyberinsurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">jdoernberg</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/02/security.jpg" medium="image">
			<media:title type="html">security</media:title>
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		<media:content url="http://www.wgains.com/assets/blog/authors/JohnDoernberg.jpg" medium="image" />
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		<item>
		<title>2012 Property renewals for tech companies: start early</title>
		<link>http://blog.wgains.com/2011/12/22/2012-property-renewals-for-tech-companies-start-early/</link>
		<comments>http://blog.wgains.com/2011/12/22/2012-property-renewals-for-tech-companies-start-early/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 21:11:57 +0000</pubDate>
		<dc:creator>Ed Flanagan</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[reinsurance]]></category>
		<category><![CDATA[supply chain]]></category>
		<category><![CDATA[supply chain risks]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3466</guid>
		<description><![CDATA[Technology companies that have owned manufacturing operations or outsource their manufacturing to suppliers in Asia should get an early start on their 2012 Property Insurance Renewals.  Outside of the insurance realm, companies should seek diversification in their supply chain whenever possible to help mitigate a concentration of risk in catastrophic prone countries. The credit rating [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3466&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/12/22/2012-property-renewals-for-tech-companies-start-early/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">ejflanagan</media:title>
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		<media:content url="http://wgains.files.wordpress.com/2011/12/asia.jpg" medium="image">
			<media:title type="html">asia</media:title>
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		<media:content url="http://www.wgains.com/assets/blog/authors/EdFlanagan.jpg" medium="image" />
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		<title>Rewarding patients for cheaper care</title>
		<link>http://blog.wgains.com/2011/12/21/rewarding-patients-for-cheaper-care/</link>
		<comments>http://blog.wgains.com/2011/12/21/rewarding-patients-for-cheaper-care/#comments</comments>
		<pubDate>Wed, 21 Dec 2011 15:16:56 +0000</pubDate>
		<dc:creator>Michael Moran</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[employee benefit plans]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3473</guid>
		<description><![CDATA[In the continuing effort to make the cost of healthcare more transparent, Harvard Pilgrim Health Care recently announced a new program which they hope to roll out to Massachusetts members called SaveOn. This program provides cash rewards ranging from $10 to $75 for members that seek lower cost care for non-emergency outpatient procedures such as [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3473&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/12/21/rewarding-patients-for-cheaper-care/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">michaelhmoran</media:title>
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		<media:content url="http://wgains.files.wordpress.com/2011/12/harvardpilgrim.jpg" medium="image">
			<media:title type="html">HarvardPilgrim</media:title>
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