Future of Risk

http://www.FutureOfRisk.comFuture of Risk is recording live at RIMS RISKWORLD! The world is changing quickly, so are the risks that businesses face. Jon Tate, Head of Core Risk Engineering, talks about Zurich Resilience Solutions' (ZRS) deep expertise helps customers understand and protect themselves from risk. Plus, he highlights on how ZRS makes the industries and communities we serve better.

http://www.FutureOfRisk.comFuture of Risk is recording live at RIMS RISKWORLD! Middle Market is growing! And Zurich's capabilities align to our customer needs. Stan Bernard, Head of Industry Practices for U.S. Middle Market for Zurich North America, highlights the areas Zurich is investing in that are helping to fuel our growth.

http://www.FutureOfRisk.comFuture of Risk is recording live at RIMS RISKWORLD in Chicago! AI is transforming the insurance landscape. Paul Lavelle, Head of U.S. National Accounts, and Tobias Cushing, Deputy Chief Underwriting Officer, joins us to share how AI is helping Zurich's underwriting claims professionals focus on data analysis, decision making and relationship building rather than data entry. Plus, they discuss the importance of managing AI risks by keeping humans involved.

http://www.FutureOfRisk.comFuture of Risk is recording live at RIMS RISKWORLD! Social inflation and legal system abuse impacts everyone: the insurance industry, businesses and customers. Keith Daly, Chief Claims Officers for Zurich North America, discusses the drivers and impacts of legal system abuse. Plus, he talks about a multi-industry legal system abuse coalition that Zurich helped found, and some of the tort reform successes that we're seeing across the country.

In the final episode of Zurich North America's "Future of Risk" podcast miniseries on social inflation, James Beal, Executive Director at Georgians for Lawsuit Reform, and Rebecca Fozo, Claims Judicial & Legislative Affairs, at Zurich North America, delve into premises liability. They discuss the legal responsibilities of property owners to ensure safety and explain how jury verdicts impact businesses and strain the economy. The conversation emphasizes the need for tort reform to provide stability and fair legal processes to combat fraudulent claims. In this miniseries, other episodes include:January 15: 2025 Legislative outlook: Reforming legal system abuseJanuary 29: Wide implications of third-party litigation fundingFebruary 12: Nuclear verdicts: The drivers, impacts and solutionsFebruary 26: Social Inflation: Missing The role of claims fraud March 12: Plaintiffs' tactics: Fueling legal system abuse

Zurich North America's, “Future of Risk” podcast, delivers another eye-opening episode of the social inflation podcast mini-series, underscoring the need for a unified response to the escalating challenges posed by plaintiffs' tactics and the significant impact it is having on businesses and consumers alike. Zurich North America's, Lisa Bellino, VP, Claims Judicial & Legislative Affairs and Allen Kirsh, SVP, Head of Claims Judicial &Legislative Affairs, discuss what factors are driving the rise in insurance claims and litigation costs. Listen as the guests tackle challenges that are playing a role in maximizing jury awards, offering optimism for positive change through continued advocacy and legislative efforts.

In this eye-opening episode of the social inflation miniseries, Zurich North America's Delpha DiGiacomo, Head of Claims Investigative Services and Lynne Grinsell, Vice President and Head of State Affairs, Government & Regulatory Relations , and Kristen Thorne, an Emmy Award-winning investigative reporter, discuss the alarming reality of claims fraud and its contributing role in social inflation. Listen as the guests share real-world examples of organized fraud schemes that are unethical and can be detrimental to innocent parties and costing approximately $308 billion a year for businesses and consumers.In this miniseries, other episodes include:January 15: 2025 Legislative outlook: Reforming legal system abuseJanuary 29: Wide implications of third-party litigation fundingFebruary 12: Nuclear verdicts: The drivers, impacts and solutionsMarch 12: Plaintiffs' TacticsMarch 26: Premises Liability

In this crucial discussion, guests explore the pressing issue of nuclear verdicts and the massive jury awards that can drive up costs for businesses and consumers. Join Rachelle Mortimer, Senior Director of the U.S. Chamber of Commerce Institute and Lisa Bellino, VP, Claims Judicial & Legislative Affairs, Zurich North America, as they highlight the urgent need for stakeholders to collaborate in developing effective strategies to mitigate these impacts and to protect the economy. In this miniseries, the episodes include:January 15: 2025 Legislative outlook: Reforming legal system abuseJanuary 29: Wide implications of third-party litigation fundingFebruary 26: The role of claims fraud in social inflationMarch 12: Plaintiffs' TacticsMarch 26: Premises Liability

Discover how outside investors impact lawsuits, while examining whether their involvement is a game changer for plaintiffs, a controversial practice or filled with unknown risks. Learn about the challenges, the impact on businesses and the financial toll on everyday consumers. Join Sherman “Tiger” Joyce, President of the American Tort Reform Association (ATRA) and Keith Daly, Chief Claims Officer at Zurich North America, as they explore the complex world of third-party litigation funding. In this miniseries, the episodes include:January 15: 2025 Legislative outlook: Reforming legal system abuseFebruary 12: Nuclear verdictsFebruary 26: The role of claims fraud in social inflationMarch 12: Plaintiffs' TacticsMarch 26: Premises Liability

www.futureofrisk.comDiscover the staggering costs of the U.S. tort system and its impact on businesses and households. Join Deirdre Manna, Senior Vice President, Head of Government and Regulatory Relations Zurich North America and Adam Shores, Senior Vice President, State Government Relations, American Property Casualty Insurance Association, as they delve into social inflation on Zurich North America's "Future of Risk" podcast. Learn about legal system abuse, the role of plaintiff attorney tactics, and how these issues drive up insurance costs, strain the economy, and affect everyday consumers.In this miniseries, the upcoming episodes include:January 29: Third-party litigationFebruary 12: Nuclear verdictsFebruary 26: The role of claims fraudMarch 12: Litigation fundingMarch 26: Plaintiff tactics

www.futureofrisk.comPlease note that this episode was recorded prior to Hurricanes Helene and Milton. In the final episode of the “Market in Transition” miniseries on the Future of Risk podcast, Eric Cittadino, Head of Programs at Zurich North America, and Dawn Hiestand, Head of Group Captives at Zurich North America, explore specialized insurance segments: Programs and Captives. With Programs, Cittadino explains that Zurich grants underwriting authority to Program Administrators to cater to underserved markets, focusing on mid-tier and small to medium-size businesses. Dawn Hiestand discusses Captives, through which companies form their own insurance company to manage their own risk and carriers provide fronting services. She outlines various captive structures such as single-parent captives and member-owned group captives. Both guests delve into the shifts in customer profiles and capacity challenges that are making Programs and Captives less alternative and more mainstream in today's risk management landscape.Recorded 9/13/24

www.futureofrisk.comPlease note that this episode was recorded prior to Hurricanes Helene and Milton. In the third episode of the “Market in Transition” miniseries, guests Toby Cushing, Technical Director of Casualty at Zurich North America, and David Strickland, Head of Casualty Risk Engineering with Zurich Resilience Solutions, discuss the rising frequency and severity of auto accidents and what is being done to address the concerning risk trends. This episode delves into key issues such as driver speed and distractions and the positive impact that technological and infrastructure investments could have on road safety. Cushing and Strickland also emphasize the importance of driver qualifications and safety standards.Recorded 9/13/24

www.futureofrisk.comPlease note that this episode was recorded prior to Hurricanes Helene and Milton. Recent moderation in property insurance rates, after 26 consecutive quarters of increases, coincided with increased severe convective storm activity through last spring and predictions of a hyperactive hurricane season. In the second episode of the “Market in Transition” podcast miniseries, guests Joffre Mishall, Head of Large Property for U.S. National Accounts; Grace Ries, Head of Middle Market Property; and Adam Hurley, VP of Property Risk Engineering for Zurich Resilience Solutions, discuss the delicate balance between rate moderation and extreme weather risks. Listen as they provide guidance on how businesses can build resilience for the long term. They discuss key strategies for investing in risk management, maintaining updated valuations, engaging with underwriters and leveraging risk engineering support. Note: This episode was recorded prior to Hurricanes Helene and Milton. In the days since those hurricanes, Joffre Mishall has shared additional insights on the interplay of hurricanes and the rate environment, adding: “The 2024 hurricane season is living up to predictions, as we had Helene and Milton impact Florida and beyond just a couple of weeks apart, with Milton also causing spinoff tornadoes that inflicted heavy damage. Are these market-changing events? It's too soon to tell. We will have a better idea at the start of January, a key renewal date. We also still have several weeks to go in hurricane season. But these storms prove one thing: The commercial property insurance market is fragile, and the risks are increasingly volatile.” Recorded: 9/19/24

https://www.futureofrisk.comPlease note that this episode was recorded prior to Hurricanes Helene and Milton. “Much like the stock market day-to-day, people are looking for signs of what's going to happen into the future and markets respond accordingly. So, a hailstorm in Texas can have an immediate impact on some carriers thinking about where that's going to go and where the results are going to be. So, it doesn't take a lot to move the market right now.”In the first episode of Zurich North America's “Market in Transition” podcast miniseries, Alex Wells, Head of U.S. Middle Market, and Al Orendorff, Chief Communications Officer, discuss the fragile balance between rate moderation in some lines of insurance and the reality of intensifying risks such as extreme weather. The discussion delves into key dynamics in Property, General Liability and Auto coverages, including social inflation, and unique concerns for Middle Market companies.Record date: 09/03/24

http://www.futureofrisk.comThe final episode of the "Road to Relief: finding a path to accessible, affordable healthcare,” podcast miniseries, features Rick Holmes, President of Lakeshore Benefit Alliance, and Chris Howard, Head of Market Management for Zurich North America's Life Accident and Health. They provide insights into the primary challenges that American employers and employees encounter due to rising healthcare costs, including increasing premiums and out-of-pocket expenses.Listen as they discuss proactive solutions such as Stop-Loss and GAP medical supplemental health insurance products, which aim to make healthcare more affordable and accessible.Record date: 3/26/24Air date: 6/19/24

www.futureofrisk.comIn part-two of the podcast miniseries, “Road to Relief, finding a path to accessible, affordable healthcare,” Shane Foss, Founder and Chief Executive Officer of Hooray Health and David Fike, Zurich North America focus on the complexities of the U.S. healthcare system and delve deep into the challenges that are impacting Americans as they navigate through tackling high deductibles and out-of-pocket costs to simplifying the enrollment process. Listen as they shed light on how Hooray Health and Zurich North America are revolutionizing the healthcare industry to empower listeners with the knowledge, peace of mind and financial security that supplemental insurance can provide.Record date: 03/12/24Air date: 06/05/24

http://www.futureofrisk.comThis is the first in our three-episode miniseries, "Road to Relief: Finding a Path to Accessible Affordable Healthcare." "Future of Risk" by Zurich North America dives deep into the challenges in the U.S. healthcare system and potential solutions to improve accessibility to quality and affordable care. Dr. Nina McIlree, Director of Wellbeing and Employee Experience highlights issues such as rising healthcare costs, increasing bureaucracy, labor shortages, the pressures on physicians and the healthcare system that ultimately affects the patient. While strides have been made in healthcare delivery, significant hurdles remain. Addressing the need for a collaborative effort from all stakeholders to ensure quality healthcare.Record date: 3/15/24Air date: 5/22/24

www.futureofrisk.comMarie Knight, Head of Direct Markets Strategic Services with Zurich North America addresses the current trends and challenges facing auto dealers. Knight provides valuable insights into the effects on dealerships and offers optimistic projections on the ways in which today's dealerships are leveraging innovative thinking to tackle emerging challenges. Despite facing many hurdles over the last few years, Knight discusses how auto dealerships have consistently demonstrated adaptability and resilience.RECORD DATE: 3/19/24

futureofrisk.comAs a trailblazer of “big data,” insurance companies have been responsible for providing businesses with claims data insight to improve loss outcomes and to mitigate risks. Zurich North America's Kris Shalda, Senior Vice President and Head of Claims Customer Relationship Management; and Larry Zeiner, Claims Vice President and Region Manager for the Claims Relationship Management, give a deeper understanding of how using big data drives changes in behavior, identifies the need for different coverages and provides awareness of loss trends.

www.FutureOfRisk.comFinancial institutions comprise a dynamic industry that faces a number of challenges today, from the current economy to new technology and more. This episode explores those challenges. Zurich North America's Stan Bernard, Head of Financial Institutions & Professional Services, U.S. Middle Market; and Alex Muralles Head of Financial Institutions, U.S. National Accounts, provide insight on how businesses can meet these challenges prepared and successful.Record date: 2/20/24Air date: 3/13/24

www.futureofrisk.comOffering consumer warranties to protect products consumers use every day — like homes, appliances and electronic devices — can build customers' confidence in both the product and the company. Warranties can also help drive customer loyalty and business profits. Patrick Heese, Vice President, Business Development Relationship Leader for Zurich North America's Direct Markets team, discusses how providing warranties can help meet customers' needs while also providing financial benefits to businesses.

www.futureofrisk.comThe 19th edition of the World Economic Forum's Global Risks Report came out in January, highlighting various emerging and longstanding risks. John Scott, Head of Sustainability Risk at Zurich Insurance Group, addresses the reigning top long-term risk of extreme weather as we continue to witness its widespread impact worldwide. Scott also delves into the influence of AI and its role in creating a new top-ranked short-term risk of misinformation and disinformation. Listen as Scott brings offers his expertise as one of the contributors to the Global Risks Report, provides insights into the findings of this annual resource, and sheds light on the opportunities that can arise from addressing these risks. John Scott, Head of Sustainability Risk at Zurich Insurance Group, provides insights into the various emerging and longstanding risk findings of the World Economic Forum's Global Risks Report.

www.futureofrisk.comIndustrial Revolution 4.0 has transformed the way the traditional supply chain looks today. Explore the risks and gain insights into the complex potential drawbacks associated with wholesalers entering the manufacturing space. Bill Seleznoff, Industry Practice Director for Zurich's Retail and Wholesale division, discusses the evolving supply chain, the risks wholesalers may not be aware of, and the strategies wholesalers are using to remain relevant as they overcome hurdles to regain their market share. Recorded: 12/19/23

wwwk.futureofrisk.comThe middle market is made up of 200,000 mid-size businesses that play a vital role in the U.S. economy by generating approximately $10 trillion per year. Alex Wells, Head of U.S. Middle Market at Zurich North America, discusses the importance of protecting these businesses by meeting their insurance needs. Middle market businesses are vulnerable to economic, cyber, social, legal, regulatory and natural catastrophe risks. Wells delves into the fundamental roles that insurance companies, risk management and AI play in mitigating these risks to help keep mid-sized businesses stable and secure.Recorded: 10/20/23

www.futureofrisk.comJoin Keith Daly, Chief Claims Office at Zurich North America, as he delves into various aspects surrounding Claims, and the role Claims plays in reinforcing organizational security, the emerging trends in big data and unfamiliar aspects of the Claims function. Listen as Daly gives insight to the benefits and opportunities of working in Claims. Listen as Daly shares insight into the little-known benefits and opportunities of a fulfilling Claims career that impacts communities by restoring people's lives and businesses.Record date: 9/8/23

https://www.futureofrisk.comCyber risk is a rapidly evolving landscape. Over the past decade, device adoption has increased six-fold and it has doubled over the past three years. Michelle Chia, Head of Professional Liability and Cyber, and David Shluger, Vice President of Cyber Risk at Zurich North America, note that many businesses are not adequately prepared to deal with cyber threats. As the pace of technological advancements continues to accelerate, they urge businesses to prioritize cybersecurity and take proactive steps to protect themselves.

https://www.futureofrisk.comIt's time to address staying safe, staying productive and staying ahead of the potential risks as business travel has turned the corner to return to the pre-pandemic way of meeting with customers. Zurich North America's Marty Banaszek, Head of Group Accident, and Andy Zoller, Head of International Programs, discuss the new innovative approach that companies are implementing to stay within their carbon footprint and reevaluating risk management to ensure their employee's safety while traveling for business.

http://www.futureofrisk.comGoing green sells. But companies can, intentionally or unintentionally, be called out for greenwashing. What is greenwashing? Today we're talking to Vice President and Management Liability Product Officer for Zurich North America, Leor Kaplan, about why you should treat ESG in the same manner and with the same appreciation that you do your financial results.Recorded: 8/23/23

www.futureofrisk.comAndrea Blair, Zurich's Director of Business Resilience and Continuity Management Services, details critical infrastructure vulnerability and the importance of being proactive corporate citizens.Recorded: 6/29/23

www.futureofrisk.comZurich North America's Joffre Mishall, Head of Property, US National Accounts gives insight on the risks that come with the new warehouse trends and provides tips for proactive risk management.Recorded: 6/14/23

www.futureofrisk.comDelpha DiGiacomo, Director of Zurich Claims Investigative Services, talks about the shift in social attitude towards insurance fraud claims and the effect it has on society. Record date: June 2023

www.futureofrisk.comThe significance of 1.5°CClimate change is in the news just about every day now, but if you're not up to speed on the latest climate science and want to know where we're headed as a planet, a good place to start would be the Intergovernmental Panel on Climate Change (IPCC)'s 6th Assessment Report, which was published in March of 2023. As the planet rapidly approaches the 1.5 degree Celsius threshold for global warming, there's a growing sense of urgency among those who believe environmental disaster awaits us on the other side. We discuss the IPCC's report and what it and the 1.5 degree Celsius threshold means for businesses.Guest:David Edsey, J.D.Vice President, Climate DirectorZurich North AmericaRecord date: May, 2023

www.futureofrisk.comThe definition of sustainability is fuzzy and inconsistent. For some people, it's synonymous with climate change and for others, it has a broader meaning. In this episode, we explore sustainability and what it means for a profit-driven businesses to make a commitment to it. Is sustainability just a buzz word or is it a business imperative? And what can a sustainability captive do for businesses?Guests:Dawn Hiestand, Senior Vice President and Head of Captives at Zurich North AmericaLisa Leftwich, Head of Sustainability services at Zurich Resilient Solutions, North AmericaRecorded: April 2023Updated recording: 6/27/23

furuteofrisk.comThis year's RIMS RiskWorld was in Atlanta, Georgia. We recap the wide-ranging and important topics covered by Zurich speakers.Prepare to play a pivotal role in how consumers receive goods by understanding your warehouse and logistics pipelineAndrea Blair, Director of Business ResilienceBuilding a defense in the court of public opinionJaphet Boutin, Claims Handling Director, Financial & Professional LinesExcellence in risk management: Global Risks 2020Robin A. Kemper, Sr. Risk EngineerHow social trends are causing nuclear verdicts, and how corporations can fight backAllen Kirsh, Head for Claims Judicial and Legislative AffairsBenefits and risks of the coming age of self-directed machinesJoe McLean, Technical Underwriting ManagerHow to come to terms with the new normal of the property insurance marketYohei Miyamoto, West Regional Manager for PropertyHow inclusion and belonging affect recovery from injuryElise White, Project Leader, Claims Strategy & InnovationRecorded: May, 2023

www.FutureOfRisk.comWhen a lot of people in the U.S. hear the word apprentice, they tend to think about trade skills like electrical or automotive work. But apprenticeships are growing in financial services or insurance, fields where finding new applicants can be challenging. While apprenticeships are new in the U.S., they are a common job path in other parts of the world, especially in Europe, where Zurich's parent company is based. An apprentice program provides on-the-job training and related schoolwork that puts students on a path to earn a degree. Apprentices at Zurich get started in a career actually making a decent living without student loan debt. Guests:Mike MyszkaUnbundled Account ConsultantMarselo ContrerasAdmin Ops Reporting and Zurich ApprenticeEvelyn MolinaProfessional Liability and Cyber Apprentice IIRecorded:April 2023

www.futureofrisk.comEarthquakes are some of the most disruptive natural phenomenon we face due to both their unpredictability and their potential for wide scale damage and injury. The recent events in Turkey and Syria dominated headlines, so we thought it was a good time to talk with Jimmy Durkin, the natural hazard specialist for the US representing Zurich Resilient Solutions.

https://www.futureofrisk.com/RIMS Riskworld, the annual gathering of risk and insurance professionals and business leaders returns April 30th in Atlanta. The 2023 event features the largest exhibition dedicated to risk management in the world, as well as a four day conference with more than 300 speakers presenting on a wide range of risk management topics. It's also a can't miss networking opportunity for those in business and those in the business of risk and insurance. Guest:Jennifer SantiagoPresident, RIMSDirector, Risk Management and Safety at Wakefern Food Corporation in New JerseyRecorded: 3/24/23

https://www.futureofrisk.com/70% of global companies have experienced some form of ransomware attach through 2022. And 60% of small businesses in the U.S. have gone out of business 6 months after being impacted by a cyber event. Cyber resilience is more important than ever. Michelle Chia, Zurich North America's Head of Professional Liability and Cyber, and Stephen Moss, Zurich's Global Head of Financial Lines and Cyber discuss cyber risks for businesses, trends in cyber threats and the future of cyber insurability.

https://www.futureofrisk.com/March 5th marks the start of the 25th annual Women in Construction week. A week long celebration of women in the construction industry. There's a lot to celebrate this year as the share of women in construction has hit a record high. Our guests discuss what's changed in construction, what their career path looked like, and what the future looks like in this exciting industry.Guests:Brenna Mann, Head of Strategy, US Construction and InfrastructureAonNocona Schulz, Senior Vice President Corporate InsuranceClayco

https://www.zurichna.com/knowledge/topics/global-risks-reportThis January, the World Economic Forum released its 2023 Global Risks Report. The 18th annual report highlights the challenges of addressing immediate and long-term risks. For example, the number one risk in the next two years was identified as cost of living crisis, whereas the top risk over a 10-year timeframe was failure to mitigate climate change. The report which is produced in partnership with Zurich Insurance Group and Marsh McLennan, draws on the views of more than 1200 global risk experts, policy makers, and industry leaders. The report argues, among other things, that unless the world starts to cooperate more effectively on climate mitigation and climate adaption over the next 10 years, we will experience continued global warming and ecological breakdown. Guests:Robin A. KemperSr. Risk EngineerZurich Resilience Solutions Reid Sawyer Managing Director Head of Emerging Risks Group and U.S. Cyber Risk Consulting LeaderMarsh

https://www.zurichna.com/industries/autoCars have been in American news headlines for the last couple years with supply chain disruptions, chip and inventory shortages, and the increase in theft. In this episode, we talk about the recent National Auto Dealers Association (NADA) convention in Dallas and the top challenges facing dealers.Guest:Vince SantivasiHead of Direct MarketsZurich North America

www.futureofrisk.comExcess and Surplus (E&S) Lines insurance is an important and growing segment of U.S. insurance industry. While standard lines carriers or retails agents can cover many business needs, E&S can provide cover for new products, new business innovation or higher risk policies.Christopher Lewis, Head of Excess and Surplus Lines at Zurich North America, discusses some examples and touches on upcoming risks all businesses should be paying attention to.Recorded: December 13, 2022

www.futureofrisk.comWorkers' compensation insurance is the sixth largest line of insurance in the United States. But what is workers' comp? How does it work? And what are the challenges that companies face to control costs and keep workers working? Featuring Mauro Garcia, Technical Director and Head of Workers' Compensation Underwriting for Zurich North America.

www.futureofrisk.comDo you eat? If so, you should be interested in what crop insurance is and how it impacts American farmers. We also discuss the upcoming Farm Bill. Today's guests are Jason Meador, head of RCIS for Zurich North America, and Zurich's Director of Crop Insurance within the Government and Industry Affairs Group, Jeff Sands. RCIS is Zurich North America's crop insurance business.

www.futureofrisk.comWhat is captive insurance? And should your company take advantage of a captive program? Adriana Scherzinger, Head of Captive Sales and Execution at Zurich North America, discusses these questions as well highlighting the latest trends in this space.

https://futureofrisk.com/ Houston is the 4th most populous city in the U.S. and no stranger when it comes to severe weather risks. Houston's Chief Resilience and Sustainability Officer Priya Zachariah joins the podcast to talk about leading the citywide resilience and sustainability efforts to help Houston prepare for, withstand, and bounce back from these severe weather risks and more.

http://www.futureofrisk.com/ Recent statistics around car thefts are sobering. What can auto dealers, rental companies and other businesses with fleets do to combat the rising thefts? Daryl Allegree, Account Executive with Zurich's Programs & Direct Markets, and Mark Mikesell, Senior Customer Service Executive in Zurich's Claims Department discuss real life examples and strategies businesses can adopt to mitigate their theft risks.

http://futureofrisk.com/ (http://futureofrisk.com/) EPL, or Employment Practice Liability, impact businesses of all sizes. Claudine English, Zurich Employment Practices Liability, Crime and Fidelity Product Officer discusses the 5 litigation trends that companies need to be aware of. Plus, she highlights some practices that can help manage and minimize your businesses risks.   Additional resources: 2021 EEOC Annual Performance Report: https://www.eeoc.gov/2021-annual-performance-report-apr (https://www.eeoc.gov/2021-annual-performance-report-apr#) EEOC Guidelines: https://www.eeoc.gov/ (https://www.eeoc.gov/)

http://www.futureofrisk.com From decreased stress levels to improved morale, there are plenty of reasons to love having a furry friend at your side during the workday. In this episode of Future of Risk, Paul Noffke, Head of Business Services for Zurich North America, talks about brining pups to the office and Zurich North America's pilot program for it.

http://futureofrisk.com/ (http://futureofrisk.com/) This year's Global Risks Report by World Economic Forum continues to sound the alarm for climate threats such as extreme weather, climate action failure and biodiversity loss. David Edsey, Climate Director of Technical Underwriting at Zurich North America talks about climate related risks and how businesses can build climate resiliency. Recorded: 6-21-22

http://futureofrisk.com/ (http://futureofrisk.com/) The world is becoming increasingly digitized and reliant on technology, which has created new risks and vulnerabilities. Michelle Chia, Head of Professional Liability & Cyber, and David Shluger, Head of Cyber Risk Engineering for Zurich Resilience Solutions, talk about the importance of cyber resilience and how organizations can protect themselves. Recorded: 6-21-22