Articles by Patricia-Anne Tom

California Workers’ Comp Appeals Board to Reconsider En Banc Decisions

The California Workers’ Compensation Appeals Board has decided to reconsider its earlier en banc decisions in Ogilvie v. City and County of San Francisco, Almaraz v. Environmental Recovery Services and Guzman v. Milpitas Unified School District, which industry experts say …

Calif. Workers’ Comp Permanent Disability Ratings Not Bound by AMA Guides

The California Workers’ Compensation Appeals Board recently ruled on two permanent disability (PD) workers’ compensation insurance cases that physicians are not necessarily bound by the American Medical Association’s “Guides to the Evaluation of Permanent Impairment” portion of the 2005 Schedule …

Defending Data

Data Security Breaches Present Emerging Risks and Opportunities for Agents Data security represents both a new market opportunity to sell insurance coverage and a new risk – especially for independent insurance agencies that may not be compliant with data security …

Gramm’s Test

There is a new reality. Gramm-Leach Bliley has helped bring about the biggest economic collapse since the Great Depression. Remember the good old days when customers knew their bankers and property owners knew who held their mortgages and the economy …

Nevada’s Trenchant Insurance Agency New Kid on Block

At first glance, it seems like Gina Russo’s new Las Vegas agency, Trenchant Insurance Co., has three strikes against it. First, Russo is a woman operating in a male-dominated industry. Second, she’s only 27 years old, although she has eight …

California’s New Gaspar Insurance Agency Builds On Old Family Ties

It’s all in the family for Timothy Gaspar and the new Timothy Gaspar Insurance Services in Los Angeles. Gaspar built a book of property/casualty clients with another agency for five years before deciding he wanted to have more control over …

Defending Data

Data Security Breaches Present Emerging Risks and Opportunities for Agents Data security represents both a new market opportunity to sell insurance coverage and a new risk — especially for independent insurance agencies unable to comply with data security laws or …

As Credit Scores Fall, Criticism of Insurers’ Credit Scoring Rises

With consumers’ credit scores dropping as lenders tighten credit terms, insurance consumer advocates are stepping up their criticism of the use of credit scores by insurance companies. They are also warning insurers that they could lose business and consumer confidence …

As Credit Scores Fall, Criticism of Insurers’ Credit Scoring Rises

Consumer Advocates Focus on How Insurers Treat Insureds in Difficult Economic, Credit Climate With consumers’ credit scores dropping as lenders tighten credit terms, insurance consumer advocates are stepping up their criticism of the use of credit scores by insurance companies. …

Liaisons Keep Consumers’ Insurance Concerns at the Forefront

Loss of Faith in Insurance Providers Would Affect Sales, Advocates Say Insurance agents, brokers and regulators should be aware that when it comes to insurance, consumers are concerned with such issues as the use of credit scores in determining rates, …