<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	xmlns:georss="http://www.georss.org/georss" xmlns:geo="http://www.w3.org/2003/01/geo/wgs84_pos#" xmlns:media="http://search.yahoo.com/mrss/"
	>

<channel>
	<title>WGA InsureBlog &#187; Ask the Experts</title>
	<atom:link href="http://blog.wgains.com/tag/ask-the-experts/feed/" rel="self" type="application/rss+xml" />
	<link>http://blog.wgains.com</link>
	<description></description>
	<lastBuildDate>Fri, 03 Feb 2012 18:21:21 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.com/</generator>
<cloud domain='blog.wgains.com' port='80' path='/?rsscloud=notify' registerProcedure='' protocol='http-post' />
<image>
		<url>http://s2.wp.com/i/buttonw-com.png</url>
		<title>WGA InsureBlog &#187; Ask the Experts</title>
		<link>http://blog.wgains.com</link>
	</image>
	<atom:link rel="search" type="application/opensearchdescription+xml" href="http://blog.wgains.com/osd.xml" title="WGA InsureBlog" />
	<atom:link rel='hub' href='http://blog.wgains.com/?pushpress=hub'/>
		<item>
		<title>The &#8220;frenemy&#8221; within &#8211; data breaches by insiders a growing concern</title>
		<link>http://blog.wgains.com/2011/10/06/the-frenemy-within-data-breaches-by-insiders-a-growing-concern/</link>
		<comments>http://blog.wgains.com/2011/10/06/the-frenemy-within-data-breaches-by-insiders-a-growing-concern/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 19:39:24 +0000</pubDate>
		<dc:creator>John Doernberg</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[cyber crime]]></category>
		<category><![CDATA[data breaches]]></category>
		<category><![CDATA[data security insurance]]></category>
		<category><![CDATA[privacy insurance]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=3200</guid>
		<description><![CDATA[Six-figure losses common for even small businesses A survey by Symantec of more than 3,000 businesses provides useful information about the current state of corporate cybersecurity. Symantec’s 2011 State of Security Survey found that 73% of small and midsize companies had suffered a cyber attack in the past year, and that 30% of the attacks [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=3200&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/10/06/the-frenemy-within-data-breaches-by-insiders-a-growing-concern/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/2011/10/databreach.jpg" medium="image">
			<media:title type="html">databreach</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/authors/JohnDoernberg.jpg" medium="image" />
	</item>
		<item>
		<title>Tax implications of allocating insurance premiums to foreign subsidiaries</title>
		<link>http://blog.wgains.com/2011/06/15/tax-implications-of-allocating-insurance-premiums-to-foreign-subsidiaries/</link>
		<comments>http://blog.wgains.com/2011/06/15/tax-implications-of-allocating-insurance-premiums-to-foreign-subsidiaries/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 11:12:34 +0000</pubDate>
		<dc:creator>Ed Flanagan</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[tax implications of foreign subsidiaries]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2660</guid>
		<description><![CDATA[Dammit, Jim, I’m an insurance broker not a tax consultant. In the same way that Bones McCoy was forced by Captain James T. Kirk to provide advice or services that fell outside the scope of his chosen field of expertise, I recently found myself discussing the hairy issue of foreign tax liabilities with the finance [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2660&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/06/15/tax-implications-of-allocating-insurance-premiums-to-foreign-subsidiaries/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">ejflanagan</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/06/tax.jpg" medium="image">
			<media:title type="html">tax</media:title>
		</media:content>
	</item>
		<item>
		<title>McKinsey survey: Employers looking to stop providing healthcare come 2014</title>
		<link>http://blog.wgains.com/2011/06/13/mckinsey-survey-shows-some-employers-looking-to-stop-providing-healthcare-come-2014/</link>
		<comments>http://blog.wgains.com/2011/06/13/mckinsey-survey-shows-some-employers-looking-to-stop-providing-healthcare-come-2014/#comments</comments>
		<pubDate>Mon, 13 Jun 2011 14:35:32 +0000</pubDate>
		<dc:creator>Scott Kirschner</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[employee benefit plans]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[This Week in Health Care Reform]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2691</guid>
		<description><![CDATA[A recently released survey of 1,300 employers by the management consulting firm, McKinsey &#38; Company, found that 30 percent of them will probably or definitely stop providing health insurance to employees in 2014. At that time, exchanges will be operating and employers may pay a penalty whether they offer health insurance or not (go here [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2691&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/06/13/mckinsey-survey-shows-some-employers-looking-to-stop-providing-healthcare-come-2014/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">scottkirschner</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/06/healthcarereform.png?w=150" medium="image">
			<media:title type="html">HealthCareReform</media:title>
		</media:content>
	</item>
		<item>
		<title>Should employees purchase insurance when renting a car?</title>
		<link>http://blog.wgains.com/2011/03/03/should-employees-purchase-insurance-when-renting-a-car/</link>
		<comments>http://blog.wgains.com/2011/03/03/should-employees-purchase-insurance-when-renting-a-car/#comments</comments>
		<pubDate>Thu, 03 Mar 2011 18:43:59 +0000</pubDate>
		<dc:creator>William Gallagher Associates</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[Auto Liability]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[Liability]]></category>
		<category><![CDATA[Non Owned & Hired Automobile Liability]]></category>
		<category><![CDATA[Physical Damage]]></category>
		<category><![CDATA[William Gallagher Assoc]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2164</guid>
		<description><![CDATA[Should employees elect to purchase insurance coverage when renting a car for business? This is one of the most commonly asked questions we hear from our clients. The answer &#8211; it depends. It depends on what types of insurance coverage your company currently carries, and whether the employees will be renting in the U.S. or [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2164&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/03/03/should-employees-purchase-insurance-when-renting-a-car/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">williamgallagherassociates</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/02/form.jpg" medium="image">
			<media:title type="html">form</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>Health Reform Chess</title>
		<link>http://blog.wgains.com/2011/02/16/health-reform-chess/</link>
		<comments>http://blog.wgains.com/2011/02/16/health-reform-chess/#comments</comments>
		<pubDate>Wed, 16 Feb 2011 15:54:59 +0000</pubDate>
		<dc:creator>Scott Kirschner</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[healthcare risk management]]></category>
		<category><![CDATA[This Week in Health Care Reform]]></category>
		<category><![CDATA[William Gallagher Assoc]]></category>
		<category><![CDATA[William Gallagher Associates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=2032</guid>
		<description><![CDATA[I played chess a fair amount when I was younger, and was good but never great at it.  The part of the game that I always appreciated was how, as pieces moved or were eliminated from the game, the dynamics could radically change.  One minute, you&#8217;re on the offensive and feel like you&#8217;re winning.  Two [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=2032&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2011/02/16/health-reform-chess/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">scottkirschner</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2011/02/chess.png" medium="image">
			<media:title type="html">chess</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>Ask the Experts: How to choose a dental plan</title>
		<link>http://blog.wgains.com/2010/11/30/ask-the-experts-how-to-choose-a-dental-plan/</link>
		<comments>http://blog.wgains.com/2010/11/30/ask-the-experts-how-to-choose-a-dental-plan/#comments</comments>
		<pubDate>Tue, 30 Nov 2010 18:11:09 +0000</pubDate>
		<dc:creator>Anita Verheul</dc:creator>
				<category><![CDATA[Employee Benefits]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[Boston Business Journal]]></category>
		<category><![CDATA[dental plans]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1734</guid>
		<description><![CDATA[Anita Verheul discusses a recently interview for an article that appeared in the Boston Business Journal regarding how employers are looking at dental plans relative to the rest of the benefit package that they offer.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1734&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2010/11/30/ask-the-experts-how-to-choose-a-dental-plan/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">anitaverheul</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/share.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/linkedin.png" medium="image">
			<media:title type="html">share on linkedin</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/twitter.png" medium="image">
			<media:title type="html">twitter</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/email.png" medium="image">
			<media:title type="html">Share on Email</media:title>
		</media:content>
	</item>
		<item>
		<title>Ask the Experts: What is expected for the 2010 hurricane season</title>
		<link>http://blog.wgains.com/2010/07/06/ask-the-experts-what-is-expected-for-the-2010-hurricane-season/</link>
		<comments>http://blog.wgains.com/2010/07/06/ask-the-experts-what-is-expected-for-the-2010-hurricane-season/#comments</comments>
		<pubDate>Tue, 06 Jul 2010 18:56:04 +0000</pubDate>
		<dc:creator>Bruce MacDougall</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[hurricane season]]></category>
		<category><![CDATA[risk management]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1098</guid>
		<description><![CDATA[Experts from the National Oceanic and Atmospheric Administration (NOAA) predict a busier than usual storm season for 2010 and there are reports that show unsettling similarities to the 2005 season which produced 28 named storms including Hurricane Katrina. WGA&#8217;s Bruce MacDougall talks about being prepared for the 2010 storm season. For more information on being [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1098&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2010/07/06/ask-the-experts-what-is-expected-for-the-2010-hurricane-season/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">rbmacdougall</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/brucemacdougall_03.png" medium="image">
			<media:title type="html">Bruce MacDougall</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2010/03/share_03.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>
	</item>
		<item>
		<title>Ask the Experts: Healthcare reform potential impact on primary care doctors</title>
		<link>http://blog.wgains.com/2010/06/03/ask-the-experts-healthcare-reform-potential-impact-on-primary-care-doctors/</link>
		<comments>http://blog.wgains.com/2010/06/03/ask-the-experts-healthcare-reform-potential-impact-on-primary-care-doctors/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 15:26:00 +0000</pubDate>
		<dc:creator>Pete Reilly</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[health care reform]]></category>
		<category><![CDATA[healthcare risk management]]></category>
		<category><![CDATA[insurance rates]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=1003</guid>
		<description><![CDATA[There was an article in the New York Times recently focused on one aspect of national reform, the push for more graduates to become primary care physicians. Pete Reilly of WGA&#8217;s Healthcare Practice takes a look down the road to the potential impact this will have on insurance rates for healthcare providers and the influence it [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=1003&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2010/06/03/ask-the-experts-healthcare-reform-potential-impact-on-primary-care-doctors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">Pete Reilly</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/petereilly_03.png" medium="image">
			<media:title type="html">Pete Reilly</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2010/03/share_03.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>
	</item>
		<item>
		<title>Ask the Experts: Network security &amp; privacy liability</title>
		<link>http://blog.wgains.com/2010/05/18/ask-the-experts-network-security-privacy-liability-2/</link>
		<comments>http://blog.wgains.com/2010/05/18/ask-the-experts-network-security-privacy-liability-2/#comments</comments>
		<pubDate>Tue, 18 May 2010 18:04:39 +0000</pubDate>
		<dc:creator>Ed Flanagan</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[data breaches]]></category>
		<category><![CDATA[privacy]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=968</guid>
		<description><![CDATA[Legislation on both the federal and state levels, has many of corporate insurance buyers feeling anxious about security and privacy. This installment of “Ask the Experts” takes a look at the coverages available and questions to ask when analyzing these coverages.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=968&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2010/05/18/ask-the-experts-network-security-privacy-liability-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">ejflanagan</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/edflanagan_03.png" medium="image">
			<media:title type="html">Ed Flanagan</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2010/03/share_03.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>
	</item>
		<item>
		<title>Ask the Experts: Concerns for privacy in healthcare</title>
		<link>http://blog.wgains.com/2010/03/11/ask-the-experts-concerns-for-privacy-in-healthcare/</link>
		<comments>http://blog.wgains.com/2010/03/11/ask-the-experts-concerns-for-privacy-in-healthcare/#comments</comments>
		<pubDate>Thu, 11 Mar 2010 21:08:30 +0000</pubDate>
		<dc:creator>Pete Reilly</dc:creator>
				<category><![CDATA[Property & Casualty]]></category>
		<category><![CDATA[Ask the Experts]]></category>
		<category><![CDATA[data breaches]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[HITECH]]></category>
		<category><![CDATA[indentity coverage]]></category>
		<category><![CDATA[privacy]]></category>

		<guid isPermaLink="false">http://blog.wgains.com/?p=686</guid>
		<description><![CDATA[The Health Information Technology for Economic and Clinical Health Act (known as the &#8220;HITECH&#8221; Act), enacted as part of the American Recovery and Reinvestment Act of 2009, substantial expands the HIPAA privacy and security rules. A recent survey conducted with the readers of Modern Healthcare found that privacy is a big concern with several key [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=blog.wgains.com&amp;blog=9867145&amp;post=686&amp;subd=wgains&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
		<wfw:commentRss>http://blog.wgains.com/2010/03/11/ask-the-experts-concerns-for-privacy-in-healthcare/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
	
		<media:content url="" medium="image">
			<media:title type="html">Pete Reilly</media:title>
		</media:content>

		<media:content url="http://www.wgains.com/assets/blog/petereilly_03.png" medium="image">
			<media:title type="html">PeteReilly</media:title>
		</media:content>

		<media:content url="http://wgains.files.wordpress.com/2010/03/share_03.png" medium="image">
			<media:title type="html">Share</media:title>
		</media:content>
	</item>
	</channel>
</rss>
