The Ross Companies is an independent advisory firm providing strategic guidance to senior management, corporate boards and high net worth individuals and families.
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How to Manage the Approaching Tightening of the Property & Liability Insurance Market

After more than 6 years of ever decreasing insurance premiums and broadly available coverage, all the signs indicate that commercial insurance premium rates have bottomed and are likely to be increasing next year. In addition, historically when insurance premiums begin to rise, coverage terms and conditions also are generally scaled back. Many of the broad coverage terms and conditions that have been readily available over the last few years may begin to become scarce. Even before this recent firming of insurance prices, we have seen several early indications that a tighter market is already here - although less obvious to most insurance buyers.
How to Manage the Approaching Tightening of the Property & Liability Insurance Market
Top 10 Tips to Reduce Workers' Compensation Costs

After many years of declining premiums, workers' compensation rates are beginning to rise in many states. These increases in large part reflect the year after year increase in medical costs and rising wages and eligibility for benefits. It's likely these cost increases will continue and possibly even accelerate with likely greater competition for limited medical resources as major elements of the new ObamaCare medical plan take effect.
Top 10 Tips to Reduce Workers' Compensation Costs
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