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San Francisco, CA 94111, United States
Phone: (415) 391-2141
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What to Consider When Choosing a Mental Health Solution for Your Employee Benefits Program

Untreated mental health challenges can have a direct impact on how well employees perform at work—and the number of employees affected is rising. In 2021, 48% of employees said their mental health affected their work. That…more

Employee Benefits, Employee Retention, Employees, Health Care Providers, Healthcare

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Building Defenses Against Cyber Risk in the Construction Sector

From building neighborhood homes to mile-long suspension bridges, construction is the foundation of the growth and essential to the development and advancement of the country. Because of the importance of the construction…more

Cyber Attacks, Cybersecurity, Data Privacy, Data Protection, Data Security

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What Are Self-Funded Health Plans?

Many employees—and some employers—don’t realize how much companies pay for fully funded health insurance premiums. According to the KFF 2022 Employer Health Benefits Survey, premiums cost an average of $7,911 for single coverage…more

Employee Benefits, Health Insurance, Self-Funded Health Plans

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Insurance for Mass Timber Manufacturers: 5 Ways to Customize Your Coverage

The right insurance coverage is critical for all businesses, and mass timber manufacturing is no exception. The complex and unique exposures mass timber manufacturers face creates a wide scope of insurance needs that vary by the…more

Insurance Claims, Insurance Industry, Liability Insurance, Policy Terms, Property Damage

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Managing the Impact of Rising Auto Liability Claims Volatility – Part II

Last year, we documented the steady trend of increasing catastrophic auto liability claims since 2012 and explained some of the legal and social factors driving up the cost of these claims. In this article, we present updated…more

Auto Insurance, Bodily Injury, Car Accident, Insurance Claims, Insurance Industry

See all updates »

Q4 2023 International Benefits Update

In the final quarter of 2023, South Africa issued guidance on the new two-pot retirement system, Peru launched a new holiday starting in 2024, Singapore doubled its paid paternity leave, and Costa Rica reformed its pension…more

Employee Benefits, Employee Contributions, Employer Contributions, Pensions, Retirement

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

Product Liability Insurance for Human Clinical Trials

Life sciences companies face unique exposures and these increase when those companies commence human clinical trials. Based on our recent webinar, this article provides an overview of how you can effectively manage product…more

Clinical Trials, Liability Insurance, Life Sciences

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An Industry at Risk: Addressing Mental Health in Construction

Construction occupations have the highest rates of death by suicide 1 and drug overdose 2 in the United States, and it’s increasing. It’s no secret that construction is a tough industry, built by hard-working laborers who put in…more

Construction Industry, Construction Workers, Employee Benefits, Mental Health

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Transactional Risk in 2023: A Guide to Insurance Trends and Due Diligence

As we move deeper into the 2023 deal landscape, one thing is abundantly clear: Deal flow has experienced a significant slowdown over the last few quarters. According to PWC, private equity deal volume declined 22% during the…more

Acquisitions, Commercial Insurance Policies, Contract Terms, Due Diligence, Mergers

See all updates »

Claims Cost Transparency: Using Data to Optimize Medical Benefits Costs

How much would you get back in your budget if you could save up to 10% on your medical and Rx benefits costs? Employee benefits are the second largest budget item in employee compensation, with medical benefits consuming the…more

Benefit Plan Sponsors, Employee Benefits, Employer Group Health Plans, Health Insurance, Self-Insured Health Plans

See all updates »

Hawaii Insurance Division Approves 8.2% Increase in Workers’ Compensation Loss Cost Rates

The National Council on Compensation Insurance, Inc. (NCCI) recently requested an 11.2% average workers’ compensation (WC) loss cost rate increase for 2022, subject to approval by the Hawaii Insurance Division. After reviewing…more

Construction Industry, Employer Liability Issues, Hawaii, Insurance Industry, Underwriting

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Environmental Liability Insurance versus RWI Environmental Coverage in M&A Transactions

A growing concern in many mergers and acquisitions (M&A) is the potential for environmental risks. Whether you are looking to acquire a manufacturing site or even just a tract of land for future construction, some environmental…more

Acquisitions, Contaminated Properties, Due Diligence, Environmental Liability, Environmental Site Assessment

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Looking Ahead: Cyber Liability Insurance Concerns in 2024

Followers of the cyber insurance market over the past two years may be suffering from whiplash—that’s how dramatically the market shifted from 2022 to 2023. A perfect storm of good trends and facts combined to create a soft…more

Cyber Attacks, Cyber Insurance, Cybersecurity, Data Breach, Data Privacy

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A Win for Contractors in Oregon: New Law Repeals Retainage Escrow Requirements

Oregon contractors and subcontractors now may receive the full amount of their progress payments by posting a specified retainage surety bond with the owner and lender. On March 7, Gov. Tina Kotek signed HB 4006, an…more

Construction Contracts, Construction Industry, Construction Project, Escrow Accounts

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Implementing “Highly Protected Risk” Programs Will Lower Property Insurance Costs

“Highly protected risk” (HPR) is an insurance industry term referring to a risk that has been controlled and managed through various measures…more

Commercial Insurance Policies, Commercial Property Owners, Insurance Claims, Insurance Industry, Insurance Litigation

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The Lone Star State Joins the Herd with a New Data Privacy Law

With the signing of the Texas Data Privacy and Security Act (TDPSA) on June 18, Texas became the 10th state to adopt a consumer privacy law. Texas joined nine other states with the new law, and others are going in the same…more

Consumer Privacy Rights, Cybersecurity, Data Privacy, Data Protection, Data Security

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Nation-State Cyber Attacks and Insurance Response: Revisiting the War Exclusion

The Russian invasion of Ukraine has prompted renewed concerns from many cyber insurance policyholders as to the insurability of nation-state sponsored cyber attacks. In a previous Woodruff Sawyer blog post, we have outlined the…more

Cyber Attacks, Cyber Insurance, Cyber Threats, Cybersecurity, Data Privacy

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Harness the Potential of GenAI and Mitigate the Potential Legal Risk, Part 1: A Risk-Aware Approach

This article focuses on the risks associated with inputting data into GenAI tools and models. The outputs of GenAI systems also create risks; we will explore this in Part 2 of this series. A Risk Aware Approach to Data, Legal…more

Algorithms, Artificial Intelligence, Innovative Technology, Machine Learning

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2024 Compliance Hot Topics

Congratulations to everyone for successfully safely navigating your health plans out of the pandemic crisis. We will review some of the key 2024 compliance hot topics you should know about in this annual benefits legislative…more

401k, Department of Labor (DOL), Final Rules, HDHP, IRS

See all updates »

[Webinar] D&O Insurance Trends Looking Ahead to 2024 - September 26th, 10:00 am - 11:00 am PT

The softening D&O market has continued into 2023, with 91% of our clients experiencing a cost reduction in their renewal in the first half of the year. Self-insured retentions have also continued to fall. The soft market is a…more

Class Action, Contract Renewal, Cybersecurity, D&O Insurance, Disclosure Requirements

See all updates »

Medicare Guidance for Employers

More Americans are turning 65 than at any other time our country has ever known. We are now in the era of what is being called Peak 65, but rather than seeing a reduced workforce we’re finding more baby boomers opting to delay…more

Health Care Providers, Health Insurance, Hospitals, Medicare

See all updates »

Crypto Gets a Market Value Nod from FASB

The Financial Accounting Standards Board (FASB) is close to issuing final guidance for the accounting treatment of crypto assets. FASB will vote on the guidance in the coming weeks, but the most anticipated outcome is that…more

Cryptocurrency, D&O Insurance, Digital Assets, FASB, FinTech

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Does Your Company Have Foreign Exposure? Here Are Your Insurance Options

Whether your company has physical operations in another country or only engages in international sales, you have what is known in the insurance world as foreign exposure. And that means you should be intentional about how you…more

Commercial General Liability Policies, Commercial Insurance Policies, Insurance Industry, Liability Insurance, Policy Exclusions

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Open Enrollment Tips for Employers: Steps to Success

Open enrollment can be a hectic time for even the most seasoned HR professionals, but the right mix of organization and communication can take your open enrollment from good to great. More than likely, you are already knee-deep…more

Employee Benefits, Employer Liability Issues, Open Enrollment

See all updates »

Transactional Risk in 2023: A Guide to Insurance Trends and Due Diligence

As we move deeper into the 2023 deal landscape, one thing is abundantly clear: Deal flow has experienced a significant slowdown over the last few quarters. According to PWC, private equity deal volume declined 22% during the…more

Acquisitions, Commercial Insurance Policies, Contract Terms, Due Diligence, Mergers

See all updates »

Risk Mitigation and Due Diligence Tips for Global Growth

For this edition of the SPAC Notebook, I had the opportunity to speak with I-OnAsia COO James Tunkey. As an experienced risk management executive, he helps clients, including those in the SPAC market, take advantage of global…more

Capital Markets, Investment, Investors, Publicly-Traded Companies, Special Purpose Acquisition Companies (SPACs)

See all updates »

Preparing for the Unexpected: A Product Recall

The risk of a product recall has increased in recent years due to changing global regulatory standards. Contributing factors include geographically widespread supply chains and different manufacturing protocols among nations in…more

Distributors, Manufacturers, Product Defects, Product Recalls, Retailers

See all updates »

Reducing Pharmacy Benefits Costs with a PBM

According to a survey of 150 large U.S. employers, the median percentage of healthcare dollars spent on pharmacy increased from 21% in 2021 to 24% in 2022, and is the fastest rising component of healthcare…more

Pharmaceutical Industry, Pharmacies, Pharmacy Benefit Manager (PBM), Prescription Drugs

See all updates »

Looking Ahead: Expert Insights into the 2022 D&O Market

As predicted in last year’s Looking Ahead, D&O insurance rates continued to rise in 2021. However, there are early signs that the market is in transition and that some relief may be on the way. As documented in this year’s…more

Board of Directors, Corporate Governance, Corporate Officers, Cybersecurity, D&O Insurance

See all updates »

Ransomware Attacks Continue to Cause More Underwriter Scrutiny

Continued widespread cyber attacks have leaders in just about every industry wary and watchful, and insurance underwriters are no exception. Given the increase in claims from recent ransomware attacks, cyber insurers are…more

Business Interruption, Cyber Attacks, Cyber Insurance, Cybersecurity, Data Breach

See all updates »

[Webinar] D&O Insurance Trends Looking Ahead to 2024 - September 26th, 10:00 am - 11:00 am PT

The softening D&O market has continued into 2023, with 91% of our clients experiencing a cost reduction in their renewal in the first half of the year. Self-insured retentions have also continued to fall. The soft market is a…more

Class Action, Contract Renewal, Cybersecurity, D&O Insurance, Disclosure Requirements

See all updates »

MICRA Reform: What It Means for California Healthcare Providers

MICRA, or the Medical Injury Compensation Reform Act of 1975, is a California statute that limits the non-economic damages portion of medical malpractice claims with the intent of reducing tort liability for healthcare…more

Health Care Providers, Malpractice Insurance, Medical Malpractice, MICRA, Negligence

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FAQs on the Q3 2023 Reps & Warranties Insurance

Given the current state of the market, deal flow is down and, therefore, so is the number of submissions getting sent to representations and warranties insurance (RWI) underwriters. Underwriters are poised to strike when the…more

Acquisitions, Mergers, Underwriting, Warranty Insurance

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

OSHA 300 Logs: Strategic Planning to Keep OSHA Rates Low

Keeping Occupational Safety and Health Administration (OSHA) injury and illness rates down may be more important than some employers realize. High OSHA rates can lead to loss of contracts, being pre-screened out of bids, and a…more

Bureau of Labor Statistics, Employer Liability Issues, OSHA, Workplace Illness and Injury Reporting, Workplace Injury

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

AI in the Healthcare Industry: Balancing Risk and Reward

Are the rewards of using artificial intelligence (AI) in the healthcare industry worth the inherent risks? Whether you find yourself on one side of this issue or on the fence, we encourage you to listen to our recent webinar…more

Algorithms, Artificial Intelligence, Health Care Providers, Machine Learning, Physicians

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

Managing Workers' Comp Costs with a Nurse Triage Program

When a workplace injury occurs, employers with no medical training often must determine the severity of the injury and direct an employee to appropriate medical care. They may have to make on-the-spot decisions about whether the…more

Employer Liability Issues, Nurses, Workers' Compensation Claim, Workplace Injury, Workplace Safety

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Reps and Warranties Claim Trends: A 2023 Review

In 2023, overall mergers & acquisitions (M&A) deal volume was much slower than in prior years; however, as expected, there was a surge in claims during this period. From mid-2020 through mid-2022, we saw a large uptick in the…more

Acquisitions, Mergers, Representations and Warranties, Representations and Warranties Insurance

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How to Choose an Employee Benefits Broker

The most valuable feedback is something you can act on. A broker who takes a consultative approach doesn’t just give you options but uses their expertise to provide actionable insights. Let’s face it—not all Human Resources…more

Benefit Plan Sponsors, Brokers, Employee Benefits, Employee Retirement Income Security Act (ERISA), Employer Group Health Plans

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

Reducing Pharmacy Benefits Costs with a PBM

According to a survey of 150 large U.S. employers, the median percentage of healthcare dollars spent on pharmacy increased from 21% in 2021 to 24% in 2022, and is the fastest rising component of healthcare…more

Pharmaceutical Industry, Pharmacies, Pharmacy Benefit Manager (PBM), Prescription Drugs

See all updates »

It’s Either Here or Looming: How a Recession Could Impact Your Surety Program

COVID-19 brought uncertainty to the construction and surety industries. Surprisingly and fortunately, both industries have proven resilient in the face of unknowns brought about by the pandemic. Now it’s time to plan for what’s…more

Construction Industry, Economic Downturn, Financial Planning, Market Conditions, Recessions

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

Business Interruption Insurance: Planning for Disaster

No one wants to think about a business interruption loss, let alone plan for it. However, fire claims, water damage claims, and more frequent extreme weather-related disasters have made business interruption (BI) losses more…more

Business Interruption, Insurance Claims, Insurance Industry, Policy Terms

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The Essential Guide to D&O Insurance Placement for Foreign Filers Going Public on a US Exchange

Woodruff Sawyer is a market leader when it comes to placing D&O insurance for companies going public through IPOs and direct listings. Experience matters for these types of transactions, and this is especially the case when an…more

D&O Insurance, Insurance Claims, Insurance Industry, Policy Exclusions, Policy Terms

See all updates »

EPL Update: Ending Forced Arbitration for Claims of Sexual Assault and Harassment

A recent bipartisan bill will change the litigation landscape when it comes to sexual assault and harassment in the workplace. At the same time, employers should be on guard because a recent court decision may have the impact of…more

Arbitration, Arbitration Agreements, Employer Liability Issues, Federal Arbitration Act, Mandatory Arbitration Clauses

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Insights from the SVB Bankruptcy: Insurance Lessons for Directors and Officers

There were 18,926 business bankruptcy filings in 2023. The number of companies that filed for bankruptcy with $1 billion or more in liabilities was 22. Some notable companies filed for bankruptcy including RiteAid, Vice Group,…more

Banking Sector, Banks, FDIC, Financial Institutions, Silicon Valley

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The Untapped Potential of Benefits Data Analytics

Woodruff Sawyer’s “Mission to More” series leads you through today’s Benefits news and serves as a guide for everything from competitive programs to compliance. In this blog post, Hector Jaramillo shares the power of using data…more

Analytics, Data Collection, Data Management, Data Privacy, Employee Benefits

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Examining Electric Vehicle Hazards in Parking Garages

Renewable energies are the key to our sustainability and reduction of greenhouse gases. US automakers and legislators/regulators have been focused on moving from internal combustion engines (ICE) to electric vehicles (EVs) to…more

Electric Vehicles, Greenhouse Gas Emissions, Lithium Batteries, Parking Lots

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What’s the Latest on Drone Insurance?

It’s been nearly a decade since drones first burst onto the scene. Drones used to be something many of us initially considered too high-tech for ordinary aviation hobbyists and associated them more with military applications…more

Airspace, Commercial General Liability Policies, Commercial Use, Drones, Federal Aviation Administration (FAA)

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Pooled Employer Plan: An Efficient Alternative to a Traditional 401(k)

In 2022, less than half (46%) of American households had no savings in retirement accounts. Part of the savings shortfall could be lack of access to retirement programs through work, which is the case for 56 million privately…more

401k, Employee Benefits, Retirement, Retirement Plan

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Workers’ Comp for Remote Employees: Here’s What You Need to Know

Much has changed in the two-and-a-half years since March 2020, when most of the country went into lockdown due to COVID-19 and most businesses moved to remote work models. As a result of mass layoffs and employee absences due to…more

Coronavirus/COVID-19, Going and Coming Rule, Popular, Safety Standards, Workers Compensation Awards

See all updates »

Medicare Guidance for Employers

More Americans are turning 65 than at any other time our country has ever known. We are now in the era of what is being called Peak 65, but rather than seeing a reduced workforce we’re finding more baby boomers opting to delay…more

Health Care Providers, Health Insurance, Hospitals, Medicare

See all updates »

Construction Insurance Market Update: Rate Consistency for Most Lines

Despite a slowing economy and continuing supply chain issues, rates in most lines of coverage for construction companies are showing signs of stabilization. Even cyber, which had some of the highest increases last year, slowed…more

Construction Industry, Construction Project, Contractors, Insurance Industry

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Employee Benefits Trends for 2023: Finding the Right Balance

Employers are adjusting to changing workforce dynamics while benefits solutions are evolving to address different needs. COVID-19 changed what employees need and the benefits they want. In this webinar recap, you will learn…more

Coronavirus/COVID-19, Employee Benefits, Employment Policies, Fertility Treatments, Mental Health

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Insurance Claims Best Practices: 5 Tips for a Seamless Claims Process

The frequency and cost of commercial claims have increased significantly in recent years, and given rising inflation and the legal landscape, we expect this trend to continue. While we know many would prefer not to focus on…more

Best Practices, Claims Made Policy, Commercial Insurance Policies, Insurance Claims, Policy Terms

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Employees Using Their Personal Cars for Work: Which Auto Policy Applies?

Many businesses have employees use their personal cars for work purposes. It may be that they drive their own vehicles routinely for sales calls, or they may occasionally pick up or drop off company mail or handle banking…more

Auto Insurance, Best Practices, Employer Liability Issues, Policy Terms

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You Got Stuck with Oversight of Your Company’s Insurance Program, What Now?

Did managing your company’s insurance program (or parts of it) unexpectedly land on your desk? Ouch. But help is here: In this week’s blog my colleague Lenin Lopez offers practical steps you can take if you become responsible…more

Insurance Claims, Insurance Industry, Insurance Litigation, Policy Terms

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Supplementing Your Workforce with H-2B Visas? Here’s What You Need to Know

Insights Jeanna MadlenerVice President, Producer/Account Executive, Property & Casualty June 8, 2022 /Property & Casualty For the second year in a row, the Department of Labor (DOL) and the Department of Homeland Security (DHS)…more

Department of Homeland Security (DHS), Department of Labor (DOL), Foreign Workers, H-2B, Immigration Procedures

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Commercial Property Construction Plan Review: Tips for Your Business

New construction is the hallmark of your growing business. But did you know that new building additions and renovations are subject to the same code requirements as your existing infrastructure?…more

Commercial Property Owners, Construction Project, Insurance Litigation, Policy Terms, Property Insurance

See all updates »

Managing Transactional Risk in 2024: A Strategy Guide

As we move further into 2024, we have a clearer perspective on where 2023 ended in the private equity and mergers and acquisitions (M&A) market. We predict more of the same throughout 2024, but there are bright signs for…more

Acquisitions, Due Diligence, EBITDA, Insurance Industry, Investment

See all updates »

Crypto Gets a Market Value Nod from FASB

The Financial Accounting Standards Board (FASB) is close to issuing final guidance for the accounting treatment of crypto assets. FASB will vote on the guidance in the coming weeks, but the most anticipated outcome is that…more

Cryptocurrency, D&O Insurance, Digital Assets, FASB, FinTech

See all updates »

Managing the Impact of Rising Auto Liability Claims Volatility – Part II

Last year, we documented the steady trend of increasing catastrophic auto liability claims since 2012 and explained some of the legal and social factors driving up the cost of these claims. In this article, we present updated…more

Auto Insurance, Bodily Injury, Car Accident, Insurance Claims, Insurance Industry

See all updates »

Update: What Medical Liability Reform Means for Healthcare Providers

Almost two years ago, Governor Gavin Newsom signed Assembly Bill (AB) 35 into law, reforming California’s Medical Injury Compensation Reform Act (MICRA) of 1975. As discussed in this previous blog about MICRA reform, the…more

Health Care Providers, Medical Malpractice, Physicians, Professional Liability

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

Large Deductibles on Property Loss Claims: Understand Your Policy

The property insurance market continues to harden in response to more frequent and severe catastrophes. Not surprisingly, insurance carriers have responded to the new normal of more intense storm seasons and increased building…more

Deductibles, Insurance Claims, Policy Terms, Property Damage, Property Insurance

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What’s Driving Benefits Renewal Hikes and How Can You Prepare?

With many healthcare renewal costs expected to have significant increases in 2024, some even by 20% or more, employers are facing an uncomfortable decision. How should they adjust employee benefits to accommodate the significant…more

Coronavirus/COVID-19, Employee Benefits, Health Insurance

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Employees Working Abroad: The Insurance Implications

As employers of all sizes expand globally, they must know how to address the global insurance rules, regulations, and best practices. Your company may have operations only in the US, but that doesn’t mean it you don’t have…more

Employer Liability Issues, Insurance Industry, Workplace Injury, Workplace Safety

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SPACs Poised to Turn a Corner in 2024: Annual Risk Update

Here we are again—another year of SPAC ennui. We’re hearing derisive comments about the death of SPACs, unending deadline extensions, almost 200 liquidations, 70 deal terminations, and general SPAC malaise. If you’ve followed…more

Acquisitions, Class Action, Fiduciary Duty, Initial Public Offering (IPO), Investigations

See all updates »

Looking Ahead: Expert Insights into the 2022 D&O Market

As predicted in last year’s Looking Ahead, D&O insurance rates continued to rise in 2021. However, there are early signs that the market is in transition and that some relief may be on the way. As documented in this year’s…more

Board of Directors, Corporate Governance, Corporate Officers, Cybersecurity, D&O Insurance

See all updates »

Looking Ahead: A Guide to Property & Casualty Risk Management and Insurance in 2024

Inflation—both economic and social—continues to contribute to premium increases in the P&C insurance market, and rising reinsurance costs due to severe weather events have led to higher property insurance costs. However, we…more

Casualty Insurance, Commercial General Liability Policies, Commercial Insurance Policies, Insurance Claims, Insurance Industry

See all updates »

The Commercial Insurance Landscape Continues to Evolve: A Q2 2023 Update

The outlook for the commercial lines insurance market remains largely unchanged since the first quarter, with the supply of capital driving pricing behavior in all segments. For the directors and officers (D&O) market, rates…more

Business Interruption, Commercial Insurance Policies, Insurance Claims, Insurance Industry, Insurance Litigation

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Unicorn Blood: Why Private Company Governance and Controls Matter

There is a strong supernatural strand in the American consciousness. Twelve percent of United States adults believed that the world would end in 2012. Twenty-one percent believe in witches. A whopping thirty-six percent believe…more

Corporate Governance, Initial Public Offering (IPO), Non-GAAP Financial Measures, Publicly-Traded Companies, Securities and Exchange Commission (SEC)

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Why You Need a Designated Occupational Clinic

Are you familiar with this scenario? One of your employees has a seemingly minor injury while working. After hitting her hand on the corner of her desk, she decides to visit her primary care doctor through her private medical…more

Employer Liability Issues, Health and Safety, Human Resources Professionals, Labor Regulations, Workers' Compensation Claim

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An Employer’s Guide to Long-Term Care Insurance

Research shows that 70% of Americans may need long-term care at some point in their lives. Although that need is greatest for older adults, anyone at any age may suffer an accident or illness that results in the need for…more

Employee Benefits, Health Care Providers, Health Insurance, Long Term Care Facilities, Long-Term Care

See all updates »

The Essential Guide to D&O Insurance Placement for Foreign Filers Going Public on a US Exchange

Woodruff Sawyer is a market leader when it comes to placing D&O insurance for companies going public through IPOs and direct listings. Experience matters for these types of transactions, and this is especially the case when an…more

D&O Insurance, Insurance Claims, Insurance Industry, Policy Exclusions, Policy Terms

See all updates »

Managing Transactional Risk in 2024: A Strategy Guide

As we move further into 2024, we have a clearer perspective on where 2023 ended in the private equity and mergers and acquisitions (M&A) market. We predict more of the same throughout 2024, but there are bright signs for…more

Acquisitions, Due Diligence, EBITDA, Insurance Industry, Investment

See all updates »

Workers’ Compensation Investigations: The Why, When, and How

Workers’ compensation claims are costly and can drag on for years. The average cost of a lost time claim (indemnity and medical only) in California has increased from $54,712 in 2018 to $58,843 in 2021, according to the Workers’…more

Employer Liability Issues, Fraud, Health & Safety Standard, Workers Compensation Awards, Workers' Compensation Claim

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Insuring Fund Liability Risks: A Guide to GPL Coverage for Venture Capital and Private Equity Firms

Woodruff Sawyer has been a leader in the fund-level General Partnership Liability space since the inception of the insurance product over 30 years ago. In today’s business and regulatory environment, the venture capital, private…more

Indemnification, Insurance Claims, Insurance Industry, Private Equity, Venture Capital

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The Impact of Current Trends on Investment Firm Risk Management

Looking ahead at the investment advisory industry, three trends stand out: an increase in the number of investment advisors, expansion of investment firm services, and a growing population of trust clients. In this article,…more

Estate Planning, Insurance Industry, Investment Adviser, Investment Firms, Registered Investment Advisors

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Alcohol at Company Events: Guidelines for Mitigating Risk at Holiday Gatherings

As we approach the season of company holiday gatherings, for many the first in several years, it’s time for the annual reminder of the importance of proper event planning, especially when it comes to alcohol. Giving full…more

Drunk Driving, Employer Liability Issues, Employment Policies, Holiday Parties, Holidays

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[Webinar] D&O Insurance Trends Looking Ahead to 2024 - September 26th, 10:00 am - 11:00 am PT

The softening D&O market has continued into 2023, with 91% of our clients experiencing a cost reduction in their renewal in the first half of the year. Self-insured retentions have also continued to fall. The soft market is a…more

Class Action, Contract Renewal, Cybersecurity, D&O Insurance, Disclosure Requirements

See all updates »

Protecting Employees Abroad: International Insurance Choices

There are a variety of different coverages to consider and choose from when employees travel internationally. We are currently seeing an uptick in situations and receiving questions about matters that used to be rare or even…more

Foreign Workers, Kidnapping, Terrorist Acts, Traveling Employee

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Bed Bath & Beyond, Bankruptcy, and Fiduciary Litigation

In September 2023, former employees of Bed Bath & Beyond sued members of the company’s 401(k) committee, the committee responsible for the prudent management of the company’s 401(k) plan. The former employees allege they lost…more

401k, Breach of Duty, Employee Benefits, Employee Retirement Income Security Act (ERISA), Fiduciary Duty

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Q4 2023 Commercial Insurance Market: Moderating Property Premiums, Stable Casualty, and Record-High Ransomware Activity

Commercial insurance pricing trends in the fourth quarter followed the same pattern buyers experienced through most of 2023. Property premiums have finally started to moderate— this is a trend we noticed earlier in 2023 and we…more

Cybersecurity, Insurance Industry, Ransomware, Reinsurance

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How Your Employee Assistance Program Supports Mental Health

We’re just starting to understand the effects of more than two years of lockdowns, closures, and isolation, but one thing is clear—the mental health of various populations has been severely affected. Whether you have a…more

Employee Assistance Programs, Employee Benefits, Firm Leadership, Health and Safety, Mental Health

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Work-From-Anywhere Culture: Do Your Employees in Other States (or Countries) Have Workers’ Compensation Coverage?

Ask any business owner, Human Resources manager, or hiring placement specialist and they will tell you about the challenges of hiring and retaining employees since the COVID-19 pandemic began in March 2020. We have all heard the…more

Employee Benefits, Employer Liability Issues, Employment Policies, Hiring & Firing, State Labor Laws

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[Virtual Event] Managing Media Risk in the Age of Social Media Influencers: Risk Mitigation and Insurance Considerations - March 26th, 10:00 am - 11:00 am PT

Influencer marketing has become one of the fastest growing trends in marketing, yet it comes with a growing set of media liability claims. In this webinar, we will contextualize some of the legal liability issues in using…more

Influencers, Insurance Claims, Insurance Industry, Marketing, Media Liability Policies

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Life Sciences IPO Summit: Insurance and Factors That Impact IPO

Experts from the life sciences industry shared their insights on the steps to going public in a virtual summit hosted by Woodruff Sawyer. The Summit featured leaders representing Cooley, the New York Stock Exchange (NYSE),…more

Board of Directors, Capital Markets, Corporate Governance, Initial Public Offering (IPO), Joint Venture

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Workers’ Compensation Investigations: The Why, When, and How

Workers’ compensation claims are costly and can drag on for years. The average cost of a lost time claim (indemnity and medical only) in California has increased from $54,712 in 2018 to $58,843 in 2021, according to the Workers’…more

Employer Liability Issues, Fraud, Health & Safety Standard, Workers Compensation Awards, Workers' Compensation Claim

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RSUs in Compensation: New Changes May Affect Workers’ Compensation Premiums

Restricted stock units (RSUs) and other forms of equity-based compensation are creating a stir in the workers’ compensation marketplace, forcing insurance carriers to revisit whether to include them as payroll when calculating…more

Insurance Industry, Qualified Restricted Stock Units (RSUs), Restricted Stocks, Stock Options

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Environmental Liability Insurance versus RWI Environmental Coverage in M&A Transactions

A growing concern in many mergers and acquisitions (M&A) is the potential for environmental risks. Whether you are looking to acquire a manufacturing site or even just a tract of land for future construction, some environmental…more

Acquisitions, Contaminated Properties, Due Diligence, Environmental Liability, Environmental Site Assessment

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Navigating Provident Fund Systems

Provident funds, or government-administered retirement funds, were introduced as a form of “social protection” to alleviate poverty at the time of retirement. Most social programs at the time did not provide enough to cover…more

Employee Benefits, Employee Contributions, Employer Contributions, Pensions, Retirement

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Five Property Insurance Warning Signs and What to Do About Them

Replacement value is the main factor to consider when purchasing property insurance. However, the Construction, Occupancy, Protection, and Exposure (COPE) features of the building also impact the cost, availability, and terms of…more

Insurance Claims, Insurance Industry, Insurance Litigation, Property Damage, Property Insurance

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What Will 2023 Bring to the Cyber Liability Market? 5 Takeaways from Our Webinar

After two years of volatility, cyber liability prices finally appear to be normalizing due to factors that include a downturn in price increases and a lower frequency of ransomware attacks in 2022—all of which have resulted in…more

California Privacy Rights Act (CPRA), Cyber Insurance, Cybersecurity, D&O Insurance, Data Privacy

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Taking Stock of SPACs: 2022 Trends in Review

Plenty has changed since January 2022, when we last examined developing trends in the SPAC market. Since then, the macroeconomic environment shifted dramatically due to rising inflation, increasing interest rates, and the war in…more

Capital Markets, D&O Insurance, Initial Public Offering (IPO), Private Investment in Public Equity (PIPEs), Publicly-Traded Companies

See all updates »

Employee Benefits Trends for 2023: Finding the Right Balance

Employers are adjusting to changing workforce dynamics while benefits solutions are evolving to address different needs. COVID-19 changed what employees need and the benefits they want. In this webinar recap, you will learn…more

Coronavirus/COVID-19, Employee Benefits, Employment Policies, Fertility Treatments, Mental Health

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Navigating Mid-Year Benefit Election Changes

One of the most common questions that we receive is whether an employee can change their benefits elections after the plan year has already started (also referred to as a mid-year change).  The answer is very fact-specific and…more

Employee Benefits, Employee Retirement Income Security Act (ERISA), Employer Group Health Plans, Health Insurance, Health Insurance Portability and Accountability Act (HIPAA)

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Workers’ Comp for Remote Employees: Here’s What You Need to Know

Much has changed in the two-and-a-half years since March 2020, when most of the country went into lockdown due to COVID-19 and most businesses moved to remote work models. As a result of mass layoffs and employee absences due to…more

Coronavirus/COVID-19, Going and Coming Rule, Popular, Safety Standards, Workers Compensation Awards

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California Affluent Personal Insurance for Homeowners: 2023 Market Outlook

It’s a volatile time within the private client insurance market, and California homeowners are in a tough spot as we head further into 2023. Specialized affluent market insurers in the state continue to struggle to offer…more

Homeowner's Insurance, Homeowners, Insurance Industry, Insurance Litigation, Property Insurance

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Tax Liability Insurance: Overview & 2024 Market Update

Nearly all carriers will list the above exclusions; however, some may also exclude Fraud and Settlement without Consent from coverage. As with RWI, Tax Liability Policies are non-renewable. They have a one-time premium payment,…more

Income Taxes, Insurance Industry, Internal Revenue Code (IRC), Tax Liability, Tax Planning

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An Industry at Risk: Addressing Mental Health in Construction

Construction occupations have the highest rates of death by suicide 1 and drug overdose 2 in the United States, and it’s increasing. It’s no secret that construction is a tough industry, built by hard-working laborers who put in…more

Construction Industry, Construction Workers, Employee Benefits, Mental Health

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3 Steps to Boost Benefits Engagement Through Employee Communications

Communicating year-round can help employees better understand and use their benefits. Workers are used to hearing about employee benefits during open enrollment, but you can’t expect them to remember all that information when…more

Benefit Plan Sponsors, Employee Assistance Programs, Employee Benefits, Employee Engagement, Employer Group Health Plans

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AI in the Healthcare Industry: Balancing Risk and Reward

Are the rewards of using artificial intelligence (AI) in the healthcare industry worth the inherent risks? Whether you find yourself on one side of this issue or on the fence, we encourage you to listen to our recent webinar…more

Algorithms, Artificial Intelligence, Health Care Providers, Machine Learning, Physicians

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New and Proposed Legislation Puts Spotlight on Long-Term Care Insurance in California

In 2022, the state of Washington enacted a law requiring employers to begin collecting a 0.58% payroll tax from employees unless they have private long-term care coverage. The funds are intended to provide a limited lifetime…more

Employee Benefits, Long Term Care Insurance, Long-Term Care, Payroll Taxes

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Windshield Damages: Repair or Replace?

If a piece of cargo falls off a truck on the road, debris could strike your windshield. A rock or a bit of gravel that was caught under a truck’s tire treading could fly toward your windshield. Flying objects like a softball,…more

Auto Insurance, Insurance Claims, Insurance Industry, Property Damage, Property Insurance

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Looking Ahead: Employee Benefits Funding Strategies for 2024 and Beyond

For many companies, healthcare costs continue to increase  for many companies and this trend is expected to continue into 2025, prompting many companies to look for ways to manage expenses and measure the value of their…more

Benefit Plan Sponsors, Employee Benefits, Retirement, Retirement Plan

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JD Supra Privacy Policy

Updated: Dec 28, 2021:

JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.

This Privacy Policy describes how JD Supra, LLC ("JD Supra" or "we," "us," or "our") collects, uses and shares personal data collected from visitors to our website (located at www.jdsupra.com) (our "Website") who view only publicly-available content as well as subscribers to our services (such as our email digests or author tools)(our "Services"). By using our Website and registering for one of our Services, you are agreeing to the terms of this Privacy Policy.

Please note that if you subscribe to one of our Services, you can make choices about how we collect, use and share your information through our Privacy Center under the "My Account" dashboard (available if you are logged into your JD Supra account).

Collection of Information

Registration Information. When you register with JD Supra for our Website and Services, either as an author or as a subscriber, you will be asked to provide identifying information to create your JD Supra account ("Registration Data"), such as your:

  • Email
  • First Name
  • Last Name
  • Company Name
  • Company Industry
  • Title
  • Country

Other Information: We also collect other information you may voluntarily provide. This may include content you provide for publication. We may also receive your communications with others through our Website and Services (such as contacting an author through our Website) or communications directly with us (such as through email, feedback or other forms or social media). If you are a subscribed user, we will also collect your user preferences, such as the types of articles you would like to read.

Information from third parties (such as, from your employer or LinkedIn): We may also receive information about you from third party sources. For example, your employer may provide your information to us, such as in connection with an article submitted by your employer for publication. If you choose to use LinkedIn to subscribe to our Website and Services, we also collect information related to your LinkedIn account and profile.

Your interactions with our Website and Services: As is true of most websites, we gather certain information automatically. This information includes IP addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp and clickstream data. We use this information to analyze trends, to administer the Website and our Services, to improve the content and performance of our Website and Services, and to track users' movements around the site. We may also link this automatically-collected data to personal information, for example, to inform authors about who has read their articles. Some of this data is collected through information sent by your web browser. We also use cookies and other tracking technologies to collect this information. To learn more about cookies and other tracking technologies that JD Supra may use on our Website and Services please see our "Cookies Guide" page.

How do we use this information?

We use the information and data we collect principally in order to provide our Website and Services. More specifically, we may use your personal information to:

  • Operate our Website and Services and publish content;
  • Distribute content to you in accordance with your preferences as well as to provide other notifications to you (for example, updates about our policies and terms);
  • Measure readership and usage of the Website and Services;
  • Communicate with you regarding your questions and requests;
  • Authenticate users and to provide for the safety and security of our Website and Services;
  • Conduct research and similar activities to improve our Website and Services; and
  • Comply with our legal and regulatory responsibilities and to enforce our rights.

How is your information shared?

  • Content and other public information (such as an author profile) is shared on our Website and Services, including via email digests and social media feeds, and is accessible to the general public.
  • If you choose to use our Website and Services to communicate directly with a company or individual, such communication may be shared accordingly.
  • Readership information is provided to publishing law firms and companies and authors of content to give them insight into their readership and to help them to improve their content.
  • Our Website may offer you the opportunity to share information through our Website, such as through Facebook's "Like" or Twitter's "Tweet" button. We offer this functionality to help generate interest in our Website and content and to permit you to recommend content to your contacts. You should be aware that sharing through such functionality may result in information being collected by the applicable social media network and possibly being made publicly available (for example, through a search engine). Any such information collection would be subject to such third party social media network's privacy policy.
  • Your information may also be shared to parties who support our business, such as professional advisors as well as web-hosting providers, analytics providers and other information technology providers.
  • Any court, governmental authority, law enforcement agency or other third party where we believe disclosure is necessary to comply with a legal or regulatory obligation, or otherwise to protect our rights, the rights of any third party or individuals' personal safety, or to detect, prevent, or otherwise address fraud, security or safety issues.
  • To our affiliated entities and in connection with the sale, assignment or other transfer of our company or our business.

How We Protect Your Information

JD Supra takes reasonable and appropriate precautions to insure that user information is protected from loss, misuse and unauthorized access, disclosure, alteration and destruction. We restrict access to user information to those individuals who reasonably need access to perform their job functions, such as our third party email service, customer service personnel and technical staff. You should keep in mind that no Internet transmission is ever 100% secure or error-free. Where you use log-in credentials (usernames, passwords) on our Website, please remember that it is your responsibility to safeguard them. If you believe that your log-in credentials have been compromised, please contact us at privacy@jdsupra.com.

Children's Information

Our Website and Services are not directed at children under the age of 16 and we do not knowingly collect personal information from children under the age of 16 through our Website and/or Services. If you have reason to believe that a child under the age of 16 has provided personal information to us, please contact us, and we will endeavor to delete that information from our databases.

Links to Other Websites

Our Website and Services may contain links to other websites. The operators of such other websites may collect information about you, including through cookies or other technologies. If you are using our Website or Services and click a link to another site, you will leave our Website and this Policy will not apply to your use of and activity on those other sites. We encourage you to read the legal notices posted on those sites, including their privacy policies. We are not responsible for the data collection and use practices of such other sites. This Policy applies solely to the information collected in connection with your use of our Website and Services and does not apply to any practices conducted offline or in connection with any other websites.

Information for EU and Swiss Residents

JD Supra's principal place of business is in the United States. By subscribing to our website, you expressly consent to your information being processed in the United States.

  • Our Legal Basis for Processing: Generally, we rely on our legitimate interests in order to process your personal information. For example, we rely on this legal ground if we use your personal information to manage your Registration Data and administer our relationship with you; to deliver our Website and Services; understand and improve our Website and Services; report reader analytics to our authors; to personalize your experience on our Website and Services; and where necessary to protect or defend our or another's rights or property, or to detect, prevent, or otherwise address fraud, security, safety or privacy issues. Please see Article 6(1)(f) of the E.U. General Data Protection Regulation ("GDPR") In addition, there may be other situations where other grounds for processing may exist, such as where processing is a result of legal requirements (GDPR Article 6(1)(c)) or for reasons of public interest (GDPR Article 6(1)(e)). Please see the "Your Rights" section of this Privacy Policy immediately below for more information about how you may request that we limit or refrain from processing your personal information.
  • Your Rights
    • Right of Access/Portability: You can ask to review details about the information we hold about you and how that information has been used and disclosed. Note that we may request to verify your identification before fulfilling your request. You can also request that your personal information is provided to you in a commonly used electronic format so that you can share it with other organizations.
    • Right to Correct Information: You may ask that we make corrections to any information we hold, if you believe such correction to be necessary.
    • Right to Restrict Our Processing or Erasure of Information: You also have the right in certain circumstances to ask us to restrict processing of your personal information or to erase your personal information. Where you have consented to our use of your personal information, you can withdraw your consent at any time.

You can make a request to exercise any of these rights by emailing us at privacy@jdsupra.com or by writing to us at:

Privacy Officer
JD Supra, LLC
150 Harbor Drive, #2760
Sausalito, CA 94965

You can also manage your profile and subscriptions through our Privacy Center under the "My Account" dashboard.

We will make all practical efforts to respect your wishes. There may be times, however, where we are not able to fulfill your request, for example, if applicable law prohibits our compliance. Please note that JD Supra does not use "automatic decision making" or "profiling" as those terms are defined in the GDPR.

  • Timeframe for retaining your personal information: We will retain your personal information in a form that identifies you only for as long as it serves the purpose(s) for which it was initially collected as stated in this Privacy Policy, or subsequently authorized. We may continue processing your personal information for longer periods, but only for the time and to the extent such processing reasonably serves the purposes of archiving in the public interest, journalism, literature and art, scientific or historical research and statistical analysis, and subject to the protection of this Privacy Policy. For example, if you are an author, your personal information may continue to be published in connection with your article indefinitely. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
  • Onward Transfer to Third Parties: As noted in the "How We Share Your Data" Section above, JD Supra may share your information with third parties. When JD Supra discloses your personal information to third parties, we have ensured that such third parties have either certified under the EU-U.S. or Swiss Privacy Shield Framework and will process all personal data received from EU member states/Switzerland in reliance on the applicable Privacy Shield Framework or that they have been subjected to strict contractual provisions in their contract with us to guarantee an adequate level of data protection for your data.

California Privacy Rights

Pursuant to Section 1798.83 of the California Civil Code, our customers who are California residents have the right to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes.

You can make a request for this information by emailing us at privacy@jdsupra.com or by writing to us at:

Privacy Officer
JD Supra, LLC
150 Harbor Drive, #2760
Sausalito, CA 94965

Some browsers have incorporated a Do Not Track (DNT) feature. These features, when turned on, send a signal that you prefer that the website you are visiting not collect and use data regarding your online searching and browsing activities. As there is not yet a common understanding on how to interpret the DNT signal, we currently do not respond to DNT signals on our site.

Access/Correct/Update/Delete Personal Information

For non-EU/Swiss residents, if you would like to know what personal information we have about you, you can send an e-mail to privacy@jdsupra.com. We will be in contact with you (by mail or otherwise) to verify your identity and provide you the information you request. We will respond within 30 days to your request for access to your personal information. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why. If you would like to correct or update your personal information, you can manage your profile and subscriptions through our Privacy Center under the "My Account" dashboard. If you would like to delete your account or remove your information from our Website and Services, send an e-mail to privacy@jdsupra.com.

Changes in Our Privacy Policy

We reserve the right to change this Privacy Policy at any time. Please refer to the date at the top of this page to determine when this Policy was last revised. Any changes to our Privacy Policy will become effective upon posting of the revised policy on the Website. By continuing to use our Website and Services following such changes, you will be deemed to have agreed to such changes.

Contacting JD Supra

If you have any questions about this Privacy Policy, the practices of this site, your dealings with our Website or Services, or if you would like to change any of the information you have provided to us, please contact us at: privacy@jdsupra.com.

JD Supra Cookie Guide

As with many websites, JD Supra's website (located at www.jdsupra.com) (our "Website") and our services (such as our email article digests)(our "Services") use a standard technology called a "cookie" and other similar technologies (such as, pixels and web beacons), which are small data files that are transferred to your computer when you use our Website and Services. These technologies automatically identify your browser whenever you interact with our Website and Services.

How We Use Cookies and Other Tracking Technologies

We use cookies and other tracking technologies to:

  1. Improve the user experience on our Website and Services;
  2. Store the authorization token that users receive when they login to the private areas of our Website. This token is specific to a user's login session and requires a valid username and password to obtain. It is required to access the user's profile information, subscriptions, and analytics;
  3. Track anonymous site usage; and
  4. Permit connectivity with social media networks to permit content sharing.

There are different types of cookies and other technologies used our Website, notably:

  • "Session cookies" - These cookies only last as long as your online session, and disappear from your computer or device when you close your browser (like Internet Explorer, Google Chrome or Safari).
  • "Persistent cookies" - These cookies stay on your computer or device after your browser has been closed and last for a time specified in the cookie. We use persistent cookies when we need to know who you are for more than one browsing session. For example, we use them to remember your preferences for the next time you visit.
  • "Web Beacons/Pixels" - Some of our web pages and emails may also contain small electronic images known as web beacons, clear GIFs or single-pixel GIFs. These images are placed on a web page or email and typically work in conjunction with cookies to collect data. We use these images to identify our users and user behavior, such as counting the number of users who have visited a web page or acted upon one of our email digests.

JD Supra Cookies. We place our own cookies on your computer to track certain information about you while you are using our Website and Services. For example, we place a session cookie on your computer each time you visit our Website. We use these cookies to allow you to log-in to your subscriber account. In addition, through these cookies we are able to collect information about how you use the Website, including what browser you may be using, your IP address, and the URL address you came from upon visiting our Website and the URL you next visit (even if those URLs are not on our Website). We also utilize email web beacons to monitor whether our emails are being delivered and read. We also use these tools to help deliver reader analytics to our authors to give them insight into their readership and help them to improve their content, so that it is most useful for our users.

Analytics/Performance Cookies. JD Supra also uses the following analytic tools to help us analyze the performance of our Website and Services as well as how visitors use our Website and Services:

  • HubSpot - For more information about HubSpot cookies, please visit legal.hubspot.com/privacy-policy.
  • New Relic - For more information on New Relic cookies, please visit www.newrelic.com/privacy.
  • Google Analytics - For more information on Google Analytics cookies, visit www.google.com/policies. To opt-out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout. This will allow you to download and install a Google Analytics cookie-free web browser.

Facebook, Twitter and other Social Network Cookies. Our content pages allow you to share content appearing on our Website and Services to your social media accounts through the "Like," "Tweet," or similar buttons displayed on such pages. To accomplish this Service, we embed code that such third party social networks provide and that we do not control. These buttons know that you are logged in to your social network account and therefore such social networks could also know that you are viewing the JD Supra Website.

Controlling and Deleting Cookies

If you would like to change how a browser uses cookies, including blocking or deleting cookies from the JD Supra Website and Services you can do so by changing the settings in your web browser. To control cookies, most browsers allow you to either accept or reject all cookies, only accept certain types of cookies, or prompt you every time a site wishes to save a cookie. It's also easy to delete cookies that are already saved on your device by a browser.

The processes for controlling and deleting cookies vary depending on which browser you use. To find out how to do so with a particular browser, you can use your browser's "Help" function or alternatively, you can visit http://www.aboutcookies.org which explains, step-by-step, how to control and delete cookies in most browsers.

Updates to This Policy

We may update this cookie policy and our Privacy Policy from time-to-time, particularly as technology changes. You can always check this page for the latest version. We may also notify you of changes to our privacy policy by email.

Contacting JD Supra

If you have any questions about how we use cookies and other tracking technologies, please contact us at: privacy@jdsupra.com.

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