Cyber Monday!

December 9th, 2011

I hope you all had a fabulous holiday with your family!

Being an “online” guy, I love Cyber Monday. I watched my daughters and some other relatives do the whole after-Thanksgiving shopping experience and, well, I am not interested. However, owning my own business and sitting at my connected terminal most of the day allows me the opportunity to follow the deals and promotions on Cyber Monday and I am done with my gift getting as well as some of my donating.

What allows me and the other average Americans to have faith in the online purchase? I would argue that insurers have a great deal to do with it. As insurers have developed cyber liability insurance and network insurance, they have insisted on security standards for their insureds.

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Tags: Cyber Monday, Monday

Should Golf Carts Include Seat Belts?

December 5th, 2011

Seat belts for golf carts–you’ve got to be kidding, right? Nope. Golf-cart fatalities aren’t an everyday occurrence, but they do occur more often than you might think.

Last month, a woman in South Carolina was killed following a golf cart accident, raising the question: Should seat belts be mandatory on golf carts?

In this case, though, seat belts weren’t the primary issue–alcohol was involved. Here’s a snippet from the Insurance Journal:

“Anita Kay Bergeson, 37, of Knoxville, Tenn., was riding with her boyfriend in his parents’ golf cart in Sun City at about 11 p.m. June 4. She had a beer in one hand and her feet propped on the dash, according to the Sheriff’s Office report.

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Tags: Belts, Golf Carts, Seat Belts

Insurers win big time in TCPA Suit: Business entities have no privacy interests; any property damage from a TCPA violation is expected.

December 4th, 2011

Judge Lefkow  from the federal district court, Northern District of Illinois, held in Maxum Indemnity Co. v. Eclipse Manufacturing Co., No. 06 C 4946 (June 13, 2011) (Dkt. # 367), that business entities have no right of privacy.   Thus any TCPA claims asserted by business entities, as the class members, against a defendant will not implicate the “personal and advertising injury” coverage of the defendant’s CGL policy.   When a business entity receives an unwanted advertisement via fax, only its property interests (in the paper, ink and fax machine) are affected.    However

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Tags: Business, Business Entities

Report: Stormy Sun Could Knock Out Power Grids

November 30th, 2011

An upcoming cycle of stormy solar activity risks causing damage to electrical transformers and threatening vulnerable energy infrastructure around the globe, a report by an insurance group says

The sun follows a predictable 11 year activity cycle, with the next period of stormy activity expected to begin in 2012-13

The report by German insurance group Allianz said a high impact solar storm, not easily predicted due to its recorded rarity, could cause blackouts and economic losses of over $1 trillion and that the worst case scenario would be even worse

What were coming into at the moment is the bad spaceweather period, Jim Wild of Britains Lancaster University, an expert in solar plasma physics, told Reuters

A large explosion on the surface of the sun could release billions of tonnes of superheated magnetically charged gas at a speed of a million miles per hour, and when that gas hits the earths magnetic field, it can trigger a big solar storm

The severity of a potential disruption has made experts at insurance and national security institutions take notice

When you start to imagine not having electricity in a sizeable fraction of a country or a continent for weeks or even months its serious business, Wild said

SMALL LEAD TIME

The difficulty lies in predicting how often serious solar type events occur

The small lead time given by satellites is also a problem for preventing solar storm damage, as currently no satellite is close enough to the sun to give more than an hours warning, Wild said

Updating the satellites to give the earth more preparation time would cost around $1 billion, he added

Space weather is a relatively new area of study, with sophisticated observations going back only 50 years and lacking an international coordinated tracking system such as that found with normal meteorological weather

We have very little on a solar time scale, Wild said

The most damaging storm in recent memory was a 1989 outage in Quebec, Canada, which affected six million people

The first scientific recording of a large solar storm was made in 1859 by English astronomer Richard Carrington, who observed a white light explosion on the surface of the sun

Wild said: what they didnt know back then was why about two or three days later you could see the northern lights over Cuba and all of the telegraph system was disrupted by geomagnetic activity.

Tags: Stormy, Stormy Sun