Insurable and Uninsurable

Some of the greatest risks and opportunities facing an organization aren't from what's insurable.

Navigate the economic, demographic, political, and social changes with insights from Horton.

Workplace Violence - Active Shooter Block

Active Shooter

How Prepared Is Your Organization For Workplace Violence?

Insurance policies meant to cover your business and employees were never designed to cover workplace violence.  The unfortunate reality is that this is a growing threat for all organizations, insurance offers a range of assistance, from medical to psychological, to the employer and employees in case of an incident.

Have you reviewed the insurance coverage you have in place?

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America’s workers: Feel the force flow

America’s workers: Feel the force flow

How long can America create jobs without unemployment falling?

YOU would expect strong job growth to be accompanied by falling unemployment, but America is proving that one does not always entail the other.

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Global Brexplosion!

Global Brexplosion!

In June 2016's Brexit vote was equal parts unprecedented, omi­nous, and stunning.

SI interviewed Saeculum Research Founder and President Neil Howe to get an overview of all the economic, political, and market sequelae that are likely to issue from Brexit.

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The Great Productivity Slowdown: Fact or Fiction?

The Great Productivity Slowdown: Fact or Fiction?

How is it possible that American productivity growth continues to slide even as new technology revolutionizes the way we do business? That is the question at the heart of a March Brookings Institution report, which serves as the latest chapter in a long-running debate.

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The Great Productivity Slowdown: Fact or Fiction?

Children in Your Business? Blessing or Curse?

Children in Your Business? Blessing or Curse?

Children in Your Business? Blessing or Curse?

 For the family business, the biggest uninsurable risk may be - the family! Few family business owners think of managing risk and family members as being connected. Yet we often see the failure or success of a business driven by family members.  For some, family members represent a trusted and committed leadership for the future.  For others, they become an entitled and incapable legacy.

A recent column in The Economist, Reluctant heirs: Getting children to take over the family business can be hard, looks at these issues. We urge you to read it and consider the risks of your family.

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Workplace Violence

Workplace Violence

Workplace Violence

Failing to adequately prevent and cope with violent incidents in the workplace can lead to increased workers’ compensation costs, absenteeism, property damage and negative publicity. Recognizing the risk or workplace violence and taking action is essential. The creation of a sound prevention plan is the most important and ultimately least costly portion of any group’s workplace violence program.

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Death of a Salesman or His Rebirth

Death of a Salesman or His Rebirth

Death of a Salesman or His Rebirth

According to market analyst Forrester Research, 1 million U.S. B2B salespeople—nearly a quarter of the total—will be out of work by 2020. Triggering this sobering prediction is the rapidly growing B2B e-commerce sector, which allows customers to buy goods and services with less help from salespeople.

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Devastating Reputational Risks

Devastating Reputational Risks

"It takes 20 years to build a reputation and just five minutes to ruin it. If you think about that, you'll do things differently." – Warren Buffet

A strong reputation has the potential to be your largest asset, but just one crisis could irrevocably tarnish your image and ruin your business. According to a recent survey from Deloitte, the largest professional services network in the world, 87 percent of business executives believe that reputation is their largest risk area, and only 19 percent of respondents think their business is adequately protected. In order to be prepared, you need to identify and mitigate the potentially devastating risks to your business's reputation.

Succession

Succession

Succession Planning, For Growth From One Generation to the Next

Leadership and ownership succession need to be coordinated to avoid risking business disruption. A number of planning elements need to be in place for an effective transition of a family or closely-held business. While challenging, creating a success strategy ensures the business remains viable, and financially independent.

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Financial

Financial

How the Economy has Impacted our Present and Influences our Future

Perhaps no event in memorable history has had as dramatic effect on business owners as the Great Recession of 2008. The depth of the recession and the slow recovery has caused us to reconsider how much risk we take and how we plan for the future.

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Political

Political

Political Risk and Enterprise Risk Management 

As we move towards 2016, will a Republican controlled House and Senate work with a Democratic White House, or will there be more gridlock ahead? The year 2015 began with some of the greatest uncertainty about the future direction of politics in recent memory.  See what lies ahead.

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Enterprise Risk Management Intro

As risk advisors, Horton is committed to not only address the traditional things focused on as it relates to an insurance program, but to help clients understand these broader challenges so you can make strategic decisions that shape the future of your business.