Word: write
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...secrets and intellectual property, but they also must ensure that workers comply with government regulations, such as keeping medical records and credit-card numbers private. And companies are liable for allowing a hostile work environment--say, one filled with porn-filled computer screens--that may lead to lawsuits. "People write very loosely with their e-mails, but they can unintentionally reach thousands, like posters throughout a work site," says Charles Spearman of diversity-management consultants Tucker Spearman & Associates. "In an investigation, that e-mail can be one of the most persuasive pieces of evidence." In fact, a ruling...
...prepared to write and extend additional coverage in some states? We are not. Not until there's much more clarity around whether those states are going to honor the insurance contract...
...they going to honor what's been the typical [differentiation] between wind and water? Sometimes that means where risks have gotten much higher than they used to be, we simply can't continue to write down there. For a while, Florida had a thousand families a day moving in, home values have escalated rapidly, and yet the rate increases we're allowed to charge [by state regulators] have not kept pace with that. So we've made some hard decisions and scaled back our coverage in Florida, the Gulf Coast and in some of the exposed areas in New York...
...reality is that we are regulated by 50 different states. They place regulations on us in terms of what we can charge. They regulate the form of the contract. They regulate where we're allowed to write, where we're not allowed to write...
More carriers could write in exposed areas because their exposure could be quantified. Over time, the coverage would be less expensive, because states don't pay taxes on the money they build up in these pools. Insurance companies do. If you go through a couple of years with no major events, those pools could get quite large, quite quickly, which means, in theory, prices could go down for consumers...