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Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews SERMC members Suzanne Christensen and Trisha Sqrow about the new RIMS Executive Report they co-authored with Joe Pugh, also of the SERMC, "Board Risk Reporting: How to Deliver Insights that Matter." Suzanne and Trisha share tips for preparing to report to your board, how frequent reporting should be, and the difference between the board's oversight and the executive team's management. Trisha also shares descriptions of her two upcoming RISKWORLD presentations on May 6th. Listen for insight on providing the board with the information they need to support the organization's objectives and strategies.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. Our topic is board reporting and ERM, and our guests are Trisha Sqrow and Suzanne Christensen of the RIMS Strategic and Enterprise Risk Management Council. They've co-authored a new Executive Report. We're going to talk all about it. But first… [:58] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:14] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". [1:24] On May 14th, Origami Risk will return with a new session, "Future-Proofing Your Risk Program: Keeping Pace with Scale, Complexity, and Visibility." Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:39] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [1:55] Head over to RMMagazine.com for the Q1 Edition of the Azbee-Award-winning publication, RIMS Risk Management Magazine. [2:06] On with the Show! Our guests are Suzanne Christensen and Trisha Sqrow. As members of the RIMS Strategic and Enterprise Risk Management Council, they co-authored the new RIMS Executive Report, "Board Risk Reporting: How to Deliver Insights that Matter." [2:24] Co-authored by Joe Pugh of the AARP, a RIMS Strategic and Enterprise Risk Management Council member, the report provides practical insights and guidance to risk practitioners who report to their organization's board of directors or overarching governance committees. [2:38] The report provides guidance on aligning this reporting with the board's role and expectations, the steps that should be taken to sustain the alignment, and how to ensure reporting provides the board with the appropriate level of detail. [2:52] The link to the report is available in this episode's show notes. You can also visit the Risk Knowledge section of RIMS.org. If you like what you read and you like what you hear today, be sure to hear Patricia and Joe at RISKWORLD on May 6th at 11:30 a.m. in Room 119-AB. [3:11] They will extend the dialog with the session "From Risk Aware to Risk Savvy: Elevating Board-Level Risk Reporting and Engagement." It will undoubtedly be a fantastic session! [3:21] Let's talk about board reporting right now! [3:23] Interview! Suzanne Christensen and Trisha Sqrow, welcome back to RIMScast! [3:31] Suzanne Christensen and Trisha Sqrow have been carrying the torch for the Strategic and Enterprise Risk Management Council at RIMS for years. Now, they are rejoining us on RIMScast. It's a delight to welcome them both back. [3:57] The new RIMS Executive Report, "Board Risk Reporting: How to Deliver Insights that Matter," was co-authored by Suzanne Christensen and Trisha Sqrow, with Joe Pugh, who is also on the Strategic and Enterprise Risk Management Council. [4:15] This paper is available for a limited time exclusively to RIMS members. It will then be open to the public. There's a lot of great information in it, and it gets right to the point. [4:40] Research shows that while many risk professionals believe their reporting supports board decision-making, most boards are still asking for more information and deeper analysis. [4:47] Trisha says, boards are becoming more interested in understanding the risk profile of the organization, what's being done, and how leadership is managing risk, because we are in a complex time. There are so many risks that are not internal. [5:33] The board is asking: How do we look at this, how can we manage what we can, and prepare for and respond to those things that we can't manage, but that could come and hit us? [5:47] Boards are more interested. They have regulatory concerns and requirements, potential liability, and things of that nature. [6:07] Suzanne agrees with Trisha about the complexity in our post-COVID world with the interconnectedness of risks and the unexpected. Regarding the pace of change, Suzanne says hang onto your seats right now, particularly with AI! [6:30] Boards serve a lot of constituents and stakeholders, and they're feeling pressure. They're looking for more insightful analysis. The report gets into how to figure out what is insightful to a board. Justin notes that each board will have a different definition of insightful. [6:58] One board can change over time as different board members bring different dynamics and expectations to the board. The paper has a point about keeping pace with the board. [7:18] The paper makes the point that effective board reporting is not about what risk teams want to say but about what boards need to hear. [7:43] Suzanne breaks down the difference between the need that the board knows and understands, and articulates, and the things they should also know, to be good board members. That takes exploration. There are things the board might not know to ask. [8:10] Risk professionals have knowledge and context. They need to lean in and say, "You're asking for this, and that's super important, but in addition, here are some other things to be aware of." You need to start with a mutual understanding. There's a process to go through. [8:31] Trisha says the risk practitioner has the largest view of the risk profile of the organization. The board is thinking more of strategic goals and objectives, but they do want to know about the risk. Board risk reporting is a matter of working to connect strategy with risk management. [9:07] The risk practitioner can develop a culture of discussion and openness to discuss risks, mitigations, and possible blind spots. [9:26] Suzanne says one of the primary roles of the board is to make sure the firm has the right strategy and they're executing it appropriately. The biggest risk to the board is becoming irrelevant to constituents and clients. Not all key risks to the organization are equal to the board. [9:59] The board spends more time on the strategic risks. When reporting, you can't forget the operating risks. You can summarize them as "Here are some things to look at that we've got covered. So, let's spend more time over here." [10:46] If you don't first build alignment with executive management before engaging with the board, Suzanne says you'll end up with a modern-day Babylon. You won't end up with support from the key risk owners on the strategic side. The owners of the risk are the decision-makers. [11:02] The decision-makers are management and executive management. It has to be their story, and they have to buy in. Risk practitioners are the facilitators to create that alignment so those conversations can be robust, open, and transparent. [11:44] Trisha says the executive leadership team (ELT) is the liaison and connection to the board. Most risk practitioners may not be in all of the board meetings or interacting with the board regularly. The executive leaders probably are. [12:05] The ELT can bridge the gap. They have the relationships and know the personalities of the board members. They understand how the board likes to receive information and can help the risk practitioner develop reports in that way. They can open the line of communication more. [12:28] Trisha says that in her previous work for DFW Airport and others, they did this through the structure of the Enterprise Risk Management program, having a risk council report periodically to the ELT, so they have the information and can go forth with it. [13:17] Suzanne says the best practice is to spend some prep time to get some baseline knowledge and level-setting across, so when you go into those meetings, the conversations will be richer. You're not educating. You're getting right to what you want to focus on in your report. [13:58] There are different methods for doing that, depending on the organization, with its aptitude and appetite. You can do it in a pre-conversation setting, starting with the ELT, so that they're part of that conversation, helping to drive it. That is ideal. [14:21] A Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [14:41] Public registration is open, and booth sales are still available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [14:50] We will kick off Day 1 with a conversation with Adam Grant. He is an organizational psychologist, best-selling author, and a leading influential management thinker. [14:59] The excitement continues with the announcement of the closing keynote speaker. NFL Hall of Famer, Super Bowl Champion, Emmy-winning broadcaster, and entrepreneur Michael Strahan will be on the main stage on May 6th. Justin is super stoked! [15:15] If you're still on the fence, this is the time to smash that Register button and hear from one of the all-time greats. [15:23] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:42] Let's Return to Our Interview with Suzanne Christensen and Trisha Sqrow! [16:10] Suzanne says you want to exude confidence when you initiate a risk dialogue with executive leaders and the board, but you don't want to look so buttoned-up that when something does go bump, they look at you and say they thought you had that covered. [16:42] Trisha says it's very important to build those relationships as you can, so you have direct knowledge of the primary stakeholders you are working with, and so you can communicate better with them and provide good, insightful tidbits of knowledge. [17:10] Boards are to maintain oversight and not get down into the management level. [17:22] Suzanne says good reputational risk management establishes credibility up front, without appearing confident that you can prevent every risk from happening. Something big could happen. You need a good business crisis plan. The board could be involved in a crisis. [18:26] Boards need to be risk savvy, not just risk-aware. The educational part is helping the board understand the organization and the key risks to it. Then they need to be actively engaged so they're asking better questions and leveraging that knowledge to make better decisions. [18:44] That's the evolution you're working on. It's ideal to do some of the educational work up front so you don't have to do it in real-time. It helps to get quickly to the risk-savvy, better decision-making piece. [19:12] Trisha explains the difference between being risk-informed and risk savvy. When you learn risk at the basic level, you know the nuts and bolts. Becoming risk savvy is understanding how it all integrates together. How do we start seeing what risks are interconnected? [19:40] Trisha asks how we see how the external factors that we face in the world could impact our strategic goals and initiatives. You need to mitigate risks, plan, and prepare for them, and think through your overarching organizational resiliency. [20:07] The risk practitioner doesn't just present a list of risks and mitigation plans. They say, here's what we're seeing and how this could impact that. Here are the systemic issues, and talk about what we are doing from that larger perspective. [20:32] Suzanne thinks it's important not to be backward-looking but to have foresight and look around the corner at what's ahead and ask how we can be more nimble as we charge forward. How can we adapt better to the new environment and manage risks in real-time? [20:53] That all helps to build foresight and the ability to think about what could go awry, or what new opportunity we need to take to achieve our goals. These are important points to being risk savvy. [21:29] Suzanne says in some organizations, board reporting is not happening. There is zero cadence. Some organizations report almost quarterly. In those cases, is the board providing oversight or management? [22:06] Consider how much information and what you are reporting; insights beat volume. What are the insights you need the board to know? Determine the level of information the executive team, the audit compliance committee, and the full board need. It's organization-specific. [22:47] Trisha addresses information overload. If you can get some pre-read out there, so that you can then have a conversation, that's ideal. Think about what decisions they need to make to know what information they will need to have in hand to make those decisions. [23:14] The decisions that are being made are different, depending on the group you are reporting to. Strategic decisions are going to need this information; operational decisions will need this other information. [23:39] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period opened on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [24:00] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [24:15] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [24:27] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [24:36] Let's Conclude Our Interview with Suzanne Christensen and Trisha Sqrow! [25:21] Justin asks about rightsizing, in terms of reporting. Suzanne says there is a set of goals or objectives behind right-sizing. When you get to the objectives, you can think about how you rightsize for those objectives. What do they need to know to make those decisions? [25:59] Trisha agrees. It goes back to understanding the audience and what they like to see, and saying, here are things that we need decisions on, or we need your thought process on. [26:21] Trisha has two sessions on Wednesday, May 6th, at RISKWORLD. The first one is with Katrina Gilbert from the DFW Chapter, "Kickoff to Resilience: A Case Study in Risk Management Strategies for Major Event Planning," from 10:15 a.m. to 11:15 a.m. [26:49] Fifteen minutes later, Trisha will present "From Risk Aware to Risk Savvy: Elevating Board Level Risk Reporting and Engagement," with co-author Joe Pugh from AARP. [27:12] Trisha says there's a responsibility on the board to know that the program is operating as it should, it's bubbling up information that should be bubbled up, they're getting exception reporting, and they have confidence that it's coming their way; it's not haphazard. [27:44] There is a little bit of time that has to be spent talking about the program and how the board can have confidence in it. It doesn't have to be a long story. It's "Here's what we're focused on. Here's how we know we're good. We've done a benchmark. We know we keep it current." [24:12] Suzanne says you want to enable informed oversight. You want to think through what they would need so that they can provide oversight to you. [28:18] You need forward thinking, looking at not only what's happening now, but also at what the potential emerging risks are. What are we watching for? How are we preparing for those things? Work to engage the board as you go forward. [28:33] Trisha says to get feedback on an ongoing basis. It's helpful to do annual surveys, but it's also asking in real-time, "Does this make sense; are you getting what you need?" [28:49] You can tell, based on the engagement, the level of discussion, and their questions. They should be asking insightful questions. That allows you to tell a deeper story because they're obviously interested in it. It's not a one-and-done. [29:30] Trisha says it's an honor to be able to speak at RISKWORLD or any RIMS event. She thanks the RIMS team, the SERMC, and others across the committees that selected the sessions. She is really excited to have the opportunity to do both sessions. [29:51] The "Large Event Planning" session will focus on what the DFW Airport has done to prepare for the FIFA World Cup, considering what it looks like to apply enterprise risk management to something of this magnitude and scale. [30:11] Katrina will do a case study, and Trisha will talk about higher-level issues. [30:17] The "Board Reporting" session will showcase the executive report just published that she co-authored. Trisha's excited. She understands her commute is just next door, which helps a lot since they are just 15 minutes apart. [30:43] Justin says we appreciate both of you for all the contributions you've made to RIMS through the years. I look forward to seeing you at RISKWORLD. Thank you for being such wonderful champions of the Strategic and Enterprise Risk Management Council here at RIMS! [31:04] Special thanks again to Trisha Sqrow and Suzanne Christensen for joining us on RIMScast. Check out the new RIMS Executive Report, "Board Risk Reporting: How to Deliver Insights that Matter." The link is in this episode's show notes and at RIMS.org/risk-knowledge. [31:24] The dialogue about board reporting and this executive report will be extended at RISKWORLD on May 6th. Trisha and her other co-author, Joe Pugh of AARP, will lead the session "From Risk Aware to Risk Savvy: Elevating Board-Level Risk Reporting and Engagement." [31:42] That session will be held in Room 119-AB. Prior to that session, Trisha will be co-presenting the session "Kickoff to Reslience: A Case Study in Risk Management Strategies for Major Event Planning," in Room 118-BC with her former DFW colleague, Katrina Gilbert. [32:04] If you haven't done so already, be sure to register for RISKWORLD at RIMS.org/RISKWORLD.  [32:10] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [32:39] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [32:57] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [33:15] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [33:31] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [33:45] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [33:57] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Board Risk Reporting: How to Deliver Insights That Matter: Press Release | Download Paper Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection "Future-Proofing Your Risk Program: Keeping Pace with Scale, Complexity, and Visibility" | May 14 | Presented by Origami Risk RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "Risk Quantification Through Value-Based Frameworks" (2024) "The Value of Risk Management: Inside the RIMS 2025 Compensation Survey" "The Future of Strategic Risk Management" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "RIMS ERM Global Award of Distinction 2025 Winner Sadig Hajiyev — Recorded live from the RIMS ERM Conference in Seattle!" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" "Tom Brandt on Growing Your Career and Organization with ERM"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Suzanne Christensen, RIMS Strategic and Enterprise Risk Management Council Trisha Sqrow, RIMS Strategic and Enterprise Risk Management Council   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Kiersten Cash regarding the May 6th RISKWORLD session that she is co-presenting with Frank Wickersham, a Workers' Comp defense attorney, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation Insurance, Legal, and Regulatory." Kiersten shares the biggest misconception risk professionals have about medical marijuana in Workers' Comp. She discusses the conversation around cannabis and workplace injury. Justin and Kiersten talk about the growing patchwork of state laws on cannabis and what risk managers should be paying close attention to right now. Kiersten explains the concerns about Workers' Comp paying for medical marijuana. She gives a preview of what to expect in her RISKWORLD session. Listen for insights about the problems of marijuana as a treatment option in Workers' Comp.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. Our guest is Kiersten Cash. She is the Senior Manager for Workers' Compensation and General Liability at the Children's Hospital of Philadelphia. She's going to talk to us all about medical marijuana and Workers' Compensation Claims. But first… [:58] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:14] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:29] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:47] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [2:02] Head over to RMMagazine.com for the Q1 Edition of the Azbee-Award-winning publication, RIMS Risk Management Magazine. [2:15] On with the Show! Our guest today is the Senior Manager for Workers' Compensation and General Liability at the Children's Hospital of Philadelphia, Kiersten J. Cash. She's here to discuss what's going on with medical marijuana and Workers' Compensation claims. [2:31] This will serve as a bit of a preview of her session at RISKWORLD on May 6th at 10:15 a.m. in Room 120-BC, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation." [2:43] We will discuss whether cannabis is still an effective treatment for chronic pain due to workplace injury and what could happen if the U.S. Government were to change its schedule from number 1 to number 3. [2:54] We're going to learn about Kiersten's fascinating work and her career. Let's get to it! [3:00] Interview! Kiersten Cash, MBA, welcome to RIMScast! [3:23] Kiersten is with the Children's Hospital of Philadelphia, or CHOP. Kiersten Cash has a session at RISKWORLD, "Reefer Madness." [4:27] Kiersten has been in the world of Workers' Comp for a little over 20 years. She started as an adjuster. She adjusted national market claims and middle market claims for 10 years. Then she went to the broker side. [4:46] She managed the claim program for the broker's largest client at the time, along with 23 other claim programs, covering all lines of insurance. Next, Kiersten worked for Devereux Advanced Behavioral Health, a residential treatment facility. [5:06] Then Kiersten moved to CHOP, where she manages all of Workers' Comp, General Liability, and Auto for the health system. [5:22] Kiersten says Workers' Comp is one of those industries where you kind of fall into it. In the final year of her graduate program, she needed a job. She met someone who worked at Liberty Mutual, who said they were hiring claims adjusters. She took the job. [5:44] Kiersten says she tried to get out of this industry on numerous occasions, but the industry apparently loves her too much. She's glad she stayed because she really likes where she has ultimately landed, CHOP. [6:52] Kiersten is a member of the Delaware Valley Chapter of RIMS, the oldest RIMS chapter. RIMS is 76 years old. The chapter is 75 years old. Chapter President Tom Armstrong was on RIMScast recently, excited about all the cool things the host chapter is doing for RISKWORLD. [7:44] Justin asks what Kiersten feels is the biggest misconception risk professionals have about medical marijuana and Workers' Compensation. She thinks the biggest misconception is that there is a difference between medical marijuana and recreational marijuana. [8:18] Kiersten says, as an employer, we do not want a trace in our employees' system while working, whether prescribed by a doctor or not. Legalizing marijuana for medicinal use does not excuse an employee from being impaired at work. [8:36] Kiersten thinks that, down the pike, this will cause a major conflict as this continues to be a topic of conversation. Kiersten hopes to dispel that misconception in this episode of RIMScast and in her presentation at RISKWORLD. [9:12] Kiersten says she has not had to have this conversation at CHOP from a Workers' Comp perspective, as they have not seen an influx of chronic pain or severe injuries in her tenure. That's good from the employer's perspective, as injuries are under control. [9:38] Kiersten says that when we get into back surgeries, shoulder surgeries, or other major surgeries, she definitely sees this conversation becoming an issue. [9:53] Kiersten says she is very good at interacting with the medical providers involved in her program. If medical marijuana were to become a treatment option, Kiersten would need to sit down with the pain management specialist or physician to talk about it, so it is monitored. [10:29] The goal is not to put an employee on medical marijuana and keep renewing the card so they're just out there, collecting marijuana. There has to be a treatment plan with a target date. [10:53] The goal of Workers' Compensation is always either to get the employee back to work or to their baseline, so they can function in society as a human being. [11:06] Kiersten has not had to deal with prescription opioid claims, thankfully. In her adjuster days, she has seen situations where opioids have been out of control. There were times when she would propose detox programs for employees who were addicted to opioids. [11:32] It would start with something like a back surgery. The employee was still in pain, and instead of addressing the cause of the pain, they would get opioids and end up getting addicted to them to the point that weaning off the opioids was not an option. [11:55] Talking about medicinal marijuana, could marijuana have the same effect? That's one thing we are not sure of right now. [12:25] Justin notes that opioid addiction often leads to huge nuclear verdicts and settlements, some of which are still being litigated. [12:47] Kiersten brings up the socioeconomic factor of the claim. You can't say, this person had back surgery; this is going to be a situation where they're going to be addicted to medical marijuana, or they're going to be addicted to opioids. [13:08] In her 20 years in the industry, Kiersten has seen that the motivation and the socioeconomic status of the employee, and their need to get back to normal, will always play a factor in whether this becomes an issue or is just something they have to do after surgery. [13:48] Kiersten has worked with plenty of employees who have had surgery, used opioids for three to five days, and asked what they can have instead, because they don't like this medication. That's something to take into account when having this conversation. [14:17] Kiersten talks about reimbursement costs and how long the payment would be required for medicinal marijuana, if approved. Is the medical marijuana prescribed for the work accident or for a pre-existing chronic condition that they claim was aggravated by the injury? [15:11] A Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [15:27] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [15:45] Our guest today, Kiersten Cash, will be a session speaker at RISKWORLD. We are excited for her and also for our just-announced closing keynote, NFL Hall of Famer, Super Bowl Champion, Emmy-winning broadcaster, and entrepreneur, Michael Strahan. [16:09] Michael Strahan will be on the main stage on May 6th. Justin is super stoked! If you're still on the fence, this is a fine time to smash that Register button and hear from one of the all-time greats. [16:21] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [16:41] Let's Return to Our Interview with Kiersten Cash of the Children's Hospital of Philadelphia!  [16:49] On May 6th, Kiersten Cash will deliver the session at 10:15 a.m. in 120-BC, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation." Kiersten will co-present with Frank Wickersham, a Workers' Comp defense attorney with Marshall Dennehy. [17:17] Kiersten says that after the presentation, she and Frank will leave time for Q&A. Kiersten says that audience participation makes her feel like she did her job. [18:07] Kiersten asks, why should the employer ever have to pay for marijuana. If an employer starts paying for medicinal marijuana for employee A, B, and C, they'll tell their friends they got a medical card after a work injury, CHOP is paying for it, and this is all you have to do to get it. [19:13] That can become a big issue. Kiersten thinks the biggest thing is for the employer to control what they will pay for, if they have to pay for anything, and to keep it contained, so people who are not hurt but want free medicinal marijuana do not become an issue for Workers' Comp. [20:14] In Pennsylvania, there is a mental-mental claim. People can initiate a mental-mental claim, for example, if they get into a dispute with a co-worker and don't feel comfortable coming to work because they don't want to work with said co-worker. [20:31] Mental-mental claims are very hard to prove. In Pennsylvania, nine times out of 10, they are denied. The burden of proof is on the employee to show that their mental issue is from a condition that arose out of something that happened at work. [21:08] Different states may have different laws that affect Workers' Comp. Kiersten always pays attention to what is going on in the Tri-State Area and the Mid-Atlantic Region. If something passes in one state, it might be about to pass in the next state. [21:50] Justin asks about Cannabis potentially shifting from a Schedule I to a Schedule III drug. Kiersten has not heard of that happening in Pennsylvania. Schedule III classifies a drug as having a medicinal benefit, as long as it's prescribed by a physician. [22:32] If the treating physician for the work injury prescribes a Schedule III medicine, the employer could be responsible for ongoing payment indefinitely. [22:48] Schedule I drugs are not classified as having a medicinal benefit and are considered highly addictive, similar to heroin and LSD. [23:03] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period opened on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [23:24] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [23:39] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [23:51] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [24:00] Let's Conclude Our Interview with Kiersten Cash of the Children's Hospital of Philadelphia! [24:12] Kiersten is a department of two: herself and her Workers' Comp Specialist. They run the program together. [24:39] Kiersten mainly talks to managers, as she does a lot of accident investigation. Kiersten utilizes Teams a lot to establish relationships with the managers. They have a lot of videoconference calls. [24:55] They send a lot of emails back and forth, but her initial contact with everybody is through Teams, so they know who Kiersten is and what she looks like. She sets up tours and in-person meetings with staff, so they're comfortable with her, and she builds rapport. [25:20] If something is going on, Kiersten will go into the office and attend whatever meeting she needs to attend. The biggest way Kiersten gets to know a department is by setting up a meeting to do either shadowing or a tour of the department. [25:37] CHOP is a large organization. Once Kiersten visits a department, and everybody knows her, they're more comfortable with her when it comes to somebody getting injured. [25:57] Kiersten establishes herself as a contact so that for anything about Workers' Comp, they know to reach out to her. [26:26] Kiersten also has vendors that help CHOP navigate claims. She builds and maintains vendor relationships as part of her job. She goes to vendor locations, tours their facilities, and meets the staff. [26:57] Kiersten meets her nurses in person. Kiersten has met in person every nurse who works on her program. She has spoken to them, and they understand how the program is run. [27:09] Kiersten has a very good relationship with all of the outside vendors who manage her program, so that everybody is on the same page and everybody knows what the common goal is for each claim. [27:47] Kiersten's advice for the next generation of risk professionals is that Workers' Comp is absolutely the best line of insurance to learn with and hit the ground running in the industry. [28:03] With Workers' Compensation, you learn about legal, medical, how to pay somebody's wage benefits when they're out of work, what's related to work, and what's not related to work.  [28:22] You learn how to decipher a claim. You learn how to investigate properly, to understand what you should be paying for, and what you should not be paying for. Workers' Comp is very complex. Trust the process. [28:48] Being a claims adjuster is hard work, but it is only the first step to getting into a much bigger world of risk management. Kiersten says if she had not adjusted claims for 10 years, she would not be able to do the job that she has now. [19:07] Understand that there is a reason for everything that happens in your career, and that you're not stuck. If a door closes in your face, understand that just because that door closes, it doesn't mean another door will not open. [29:37] Michael Strahan is the RISKWORLD closing keynote on May 6th. Kiersten will be there. Is she stoked to see Michael Strahan? Kiersten's an Eagles fan, but back in the Strahan days, she would only watch the New York Giants just for him. It's exciting that he's there! [30:20] Justin says it has been such a delight to finally meet you and to have you on our show. Everyone out there, please remember to go to Room 120-BC for "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation," at 10:15 a.m. on May 6th. [30:53] Special thanks again to Kiersten Cash of the Children's Hospital of Philadelphia. Check out her session, "Reefer Madness: Still in the Weeds with Medical Marijuana and Workers' Compensation," at RISKWORLD on May 6th at 10:15 a.m. in Room 120-BC. [31:18] Register at RIMS.org/RISKWORLD today. [31:22] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [31:50] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [32:08] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [32:26] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [32:42] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [38:56] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [33:09] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute Cannabis coverage in Risk Management Magazine RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "Canna-Business Risks with Nikolas Komyati" "Opioid Awareness and Workers Comp Risks with Raji Chadarevian of the NCCI" "Bridging The Workers' Comp Talent Gap with Nikki Jackson" "Tom Armstrong on Leading Risk at Comcast and RIMS Delaware Valley Chapter" (2026) "Navigating Marine Risks in 2026 with Joshua Gold"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Kiersten J. Cash, MBA Senior Manager, Workers Compensation & General Liability Insurance Administration, Office of The General Counsel The Children's Hospital of Philadelphia Roberts Center for Pediatric Research   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Anderson Kill Shareholder Joshua Gold on the May 5th RISKWORLD session that Joshua is co-presenting with RIMS Past President Lance Ewing, "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." Joshua shares knowledge on two of his areas of practice, cyber and maritime insurance. Joshua offers some insight into these newest and oldest of practice areas, and how they have begun to intersect. Maritime insurance carries special language and rules, and Joshua and Lance will cover those and answer attendee questions in their session. Justin and Joshua discuss current maritime threats in the Middle East that will likely be discussed in the session. Justin and Joshua comment on Law Day, an annual commemoration of law on May 1st. Listen for a greater understanding of maritime shipping insurance and the importance of promptly filing claims.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. We will be joined by RIMS Risk Management Magazine contributor Joshua Gold, Shareholder at Anderson Kill. He's making his RIMScast debut to discuss Marine and Cargo Risk. This is timely. But first… [:59] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:13] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:30] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:48] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [2:03] Head over to RMMagazine.com for the Q1 Edition of the Azbee-Award-winning magazine, RIMS Risk Management Magazine. [2:15] On with the Show! Our guest today is a shareholder at the law firm Anderson Kill. You've seen his byline in RIMS Risk Management Magazine, and you've seen him on RIMS stages regionally, nationally, and globally. [2:30] Joshua Gold is here to discuss marine and cargo risks generally, and how he will be co-presenting a session at RISKWORLD on May 5th, called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." [2:50] He will present that alongside RIMS Past President Lance Ewing. We expect that session to be highly attended. Joshua is here to give you a preview of that session, talk about how cyber can intersect with marine and cargo risk, and offer some practical risk management takeaways. [3:11] Law Day is coming up in the U.S. on May 1st. Joshua has been practicing law for three decades. We'll find out what Law Day means to him in 2026. Let's get to it! [3:24] Interview! Anderson Kill Shareholder Joshua Gold, welcome to RIMScast! [3:51] Joshua says RIMS is an amazing system for sharing information and education. Joshua couldn't be prouder to be speaking at RISKWORLD 2026. [4:13] Joshua has written for RIMS on topics from cyber to marine insurance. Joshua thinks that cyber risk management is fascinating because cyber is new for many policyholders, in terms of implications, perils, how insurance will respond, and what the products are. [5:15] It's fascinating to see the intersection of technology, insurance, and law. It all comes together in cyber. These perils may be getting more perilous over the next few years before we may start turning the corner. [6:00] Joshua's session on May 5th at RISKWORLD is called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." Joshua will present with former RIMS President Lance Ewing. [6:17] Joshua says he is in both the newest thing in insurance and law, cyber, and the oldest thing in insurance and law, marine. Most of his day-to-day focus is on either end of the spectrum. [7:16] As much as Joahua loves cyber, he is intrigued with maritime insurance and maritime law. It's esoteric and old. It has special rules. If you don't deal with this type of insurance and law regularly, it can be challenging. [7:46] The insurance companies are typically very well-versed in the insurance rules and doctrines. Most policyholders are much less so. There's an information imbalance. [8:00] Joshua always looks forward to educating risk managers about this area. It's so detailed and different. Some might say it's antiquated. It's a challenging area, and we couldn't have a better example of that than with recent current events and hostilities in the Middle East. [8:42] Joshua says, as dangerous and harrowing as the situation exists in certain shipping lines and energy channels, we've seen examples of disruptions in recent times with drought conditions affecting the Panama Canal and other shipping lanes. [9:02] Joshua recalls the Suez Canal freighter mishap. The Suez Canal was shut down while an international engineering effort was launched to free the freighter and free up shipping lanes. [9:29] The current shipping disruption caused by an escalating war will present real challenges for both shippers and energy markets. We're watching that in real time. [9:54] Joshua and Lance don't want a current events discussion. They want to educate policyholders on principles that apply, whether they're dealing with a Suez Canal situation, an Iranian conflict, modern-day pirates in open water, or thieves breaking into your warehouse. [10:37] Joshua and Lance will emphasize certain relevant points like detours, delays in shipping, downstream risk, risk to certain types of cargo, cancellations for war risk coverage, and other marine insurance products. [11:06] There can be a real aftermath, and we're not sure where we are, as of this recording. We'll know more in May at RISKWORLD in Philadelphia. Now, we can only brace for the worst. [11:32] Joshua and Lance are looking to educate policyholders on all of these issues, including ones that will be front-burner, given the hostilities now. [11:52] Joshua says marine insurance policy language is cloaked in words of antiquity. Sometimes you'll see a marine policy that looks like a standard property all-risk policy, and sometimes you'll see one that contains 17th-century nautical and piracy terms. [12:32] It's important to make sure that you understand the rights, protections, obligations, and contingencies under insurance. [12:48] Most marine insurance policies will have a one-year provision the insurance company will argue says that if there's a fight over the claim payment, the amount, or the timing of the payment, that has to be brought in a lawsuit commenced within 12 months of the loss event. [13:14] For people who have never had to go through a complicated claim, a year may sound like plenty of time. But these claims can take months or even years for resolution. Sometimes they don't get resolved without some coverage litigation or alternative dispute mechanism. [13:43] Most policyholders are not accustomed to seeing a one-year contractual statute of limitations to bring a fight. You don't want to be in a position where the insurance company will argue you may have forfeited your coverage rights if you didn't act in time. [14:11] Policyholders may not ever get into that realm, because they've never had that problem, but it's a point of being educated and knowing the lay of the land for policyholders in this arena, insuring goods over open water, in warehouses, on docks, or on a truck. [14:58] A Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [15:18] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [15:36] Our guest today, Joshua Gold, will be one of the session speakers at RISKWORLD. We are excited for him and also for our just-announced closing keynote, NFL Hall of Famer, Super Bowl Champion, Emmy-winning broadcaster, and entrepreneur, Michael Strahan. [15:55] Michael Strahan will be on the main stage on May 6th. Justin is super stoked! If you're still on the fence, this is a fine time to smash that Register button and hear from one of the all-time greats. [16:07] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [16:28] Let's Return to Our Interview with Joshua Gold of Anderson Kill!  [16:44] Joshua says don't get fooled by the title of your insurance policy. The devil is in the details. You may have Ocean Marine Cargo Coverage, but you may get endorsements, like a warehouse-to-warehouse endorsement. [17:15] You may be buying a product called Stock Throughput. You're looking for coverages that may apply not just for cargo on a ship, but also for cargo that may be at rest, stored in a warehouse where it's being loaded from the ship onto the dockside. [17:48] There are many areas where you have to be aware of things developing in the marketplace and the fact that your insurance may now carry on well beyond the vessel's hull. [18:05] There's another area of marine liability coverage which may be implicated, given the hostilities in the Straits of Hormuz and perhaps elsewhere, and the escalating nature of the conflict in the Middle East, so we will have to see how that plays out. [18:31] Joshua always recommends that policyholders work with experienced insurance brokers. [18:39] Joshua says it is a privilege to give this discussion in May with Lance Ewing, a seasoned risk manager who has worked on the brokerage side and the insurance company side, as well as the risk manager policyholder side, so he has every perspective. [19:04] One of the things they will do at RISKWORLD is to make sure that not only do you hear from a coverage lawyer, but also from a risk manager, like most of the audience, who can speak to risk managers about what is important to their risk management approaches. [19:34] They hope that that's going to be useful for audience members even if they're not in the same industry as Lance. Justin points out that one never knows where they might end up next. This is a great way to become more well-rounded. [20:08] When evaluating marine cargo policies, you always want to look at the warehouse-to-warehouse endorsement. Find a broker that's well-steeped in marine cargo coverage. They can often customize endorsements that are important to your business. [20:51] If you're transporting goods that are capable of being spoiled or have to be refrigerated, or have to be in the hull of the ship, protected from the elements, those issues can come up through endorsement, special policy provisions covering temperature-controlled goods. [21:22] Joshua mentions that electronics may require being flown as air cargo. You want a system with customized coverage wherever you can get it. The broker knows that Lloyd's Marine Group has an example of an endorsement that covers a certain type of peril or cargo. [22:06] You might have a provision in your policy as part of a base form, but you might want fraudulent bills of lading coverage. There is now a technology overlap with shipping, an intersection between cyber and marine. [22:54] Some countries are GPS spoofing to confuse ships, which can be fatal if a ship goes into rocks or a bank in bad weather. This has implications, as we are seeing insurance companies slap onto marine products some type of cyber exclusion. [23:37] You'll want to know that just because technology had a role in the loss, you're not forfeiting all of your coverage. Joshua says we're certainly seeing it with piracy claims and theft claims. We're seeing it on the roadways. Truckers are getting more and more targeted. [23:58] A truck leaves a warehouse with goods that have been shipped on an overseas voyage, and there's an argument potentially that you've got federal maritime law applying in admiralty. What are the implications for coverage even though it's now inland on a train or truck? [24:23] We're seeing more cargo theft in the realm of trucking, in addition to stuff missing at the dock and warehouses being broken into. It's a perilous situation for those dealing with cargo. [24:43] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [25:04] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [25:19] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [25:31] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [25:39] Let's Conclude Our Interview with Joshua Gold of Anderson Kill! [25:48] Josh Gold will be presenting a special session on May 5th at RISKWORLD, called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." He'll be co-presenting with RIMS Past President Lance Ewing. [26:13] Justin says if he were in the audience for that session, he would ask what the critical steps are that risk professionals should take immediately after a cargo loss to preserve their coverage rights. [26:39] Joshua says the first step always is to give prompt notice. It complicates matters if the insurance company can argue that the notice was untimely. The first thing is, get the notice in. You won't have all the information. Notice is unlike wine; it doesn't get better with age. [27:17] Give that prompt notice first. Then support your claim. As quickly as you can, gather photographs, video evidence, and documentary evidence, and give as much as you possibly can to the insurance company. Let that claims process unfold promptly. [27:43] You don't want the insurance company delaying payment because they say they didn't get the information they needed to process the claim. Try to give them that information. [27:59] Joshua says you can absolutely add more documentation. You can start by saying this is what we know now, and we reserve the right to supplement this information when we learn more about our loss. [29:03] There are surely deadlines built into your policies. Go through your policy and calendar dates for proof of loss, statement of loss, and getting certain claim information in. Put those benchmarks in the calendar and hit them as often as you can. [29:45] Joshua says with a cyber claim, there's no reason to hold back because you're incurring costs from the start with your forensic team and your breach coach. With cargo, Joshua says, I would give notice as quickly as you can, even if it's not as robust as anyone would like. [30:13] Get notice off as soon as possible. Enlist your broker's help as quickly as you can. If you have the information, get your insurance policy out, look at the notice provisions, and call your broker. Brokers are a great way to submit insurance claim information. [30:58] The broker should be helping guide you. You've already paid their commission. Enlist their help at the outset. [31:07] Justin asks if risk professionals need to tell executive leadership immediately. Joshua says there should be a dialogue. He appreciates the systematic and scientific risk management approach RIMS brings and the recognition that risk management is getting from the C-Suite. [31:48] Not every risk manager is at the C-Suite level, but they can communicate with the Treasurer, the CFO, or the Law Department, depending on the organization. Internal communications are important. [32:11] Include the Law Department in communications, to ensure that privilege is protected and conversations are not being exploited if there's a conflict over the coverage. Depending on the importance of the potential loss, the COO and the CEO may need to be involved. [32:53] Justin wants the RISKWORLD attendees to ask questions. Joshua and Lance have built time in during the session for questions. They love to take questions on the fly. They believe that if they spend half of the time in a dialogue with the audience, that is time very well spent. [33:50] Joshua has been practicing law for 31 years and has been with Anderson Kill in the New York office for almost 31 years, specializing in insurance coverage trade. [34:18] Justin notes that Law Day is an annual commemoration held on May 1st to celebrate the rule of law and cultivate a deeper understanding of the legal system. Joshua says we're always happy to get some kind of positive acknowledgment, accolades, recognition, and a special day. [35:20] This year's theme is "The Rule of Law and the American Dream." The idea that no person is above the law is what ensures the rights of the people to live their lives as freely as possible and to pursue their dreams. Joshua is a full supporter of that doctrine. [35:40] It has been such a pleasure to see you again. You are a regular contributor to RIMS Risk Management Magazine. We have links to some of your articles in this episode's show notes. We're going to see you on May 5th at RISKWORLD in Philadelphia. See links in the show notes. [36:03] Joshua's last words: Please show up on Cinco de Mayo, we're speaking on the afternoon of May 5th. We'd love to see you then in Philadelphia at RISKWORLD. Lance and I are looking forward to hearing your questions and talking about marine cargo and what's going on then. [36:26] Justin says, You've always been very supportive of me and of RIMS. I remember very clearly that somebody dropped out of a cyber panel, and you and Bill Passannante stepped right in for us, so I've always felt a strong connection to you and the professionals at Anderson Kill. [36:57] Special thanks again to Anderson Kill Shareholder Joshua Gold for joining us here on RIMScast. I have links to his contributions to RIMS Risk Management Magazine in this episode's show notes. [37:10] If you will be at RISKWORLD, remember to attend his session on May 5th at 3:30 p.m. on the Global Stage. It is called "Do Not Let Your Cargo Claim Go Down with the Ship: Tips to Improve Marine Insurance Protection." [37:24] It will be co-presented with RIMS Past President Lance Ewing. Register at RIMS.org/RISKWORLD today! [37:32] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [38:00] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [38:18] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [38:36] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [38:52] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [39:07] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [39:19] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! More from Joshua Gold in RIMS Risk Management Magazine Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops Claims Management | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "RIMS 2022 Goodell Award Winner Lance Ewing" "World Water Day and the Circular Water Economy with Ralph Exton of WEF" "Supply Chain Integrity and Sustainability with Nicole Sherwin of EcoVadis" "Navigating Shipping Risks in 2022 with Capt. Rahul Khanna"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Joshua Gold, Anderson Kill Shareholder, Anderson Kill   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Tom Armstrong, a Global Risk Director for Comcast and the President of the RIMS Delaware Valley Chapter. Tom shares what inspired him to pivot from studying music education to studying risk and insurance, and how his professors guided and inspired him into a career in risk management. Tom went directly from graduation into a risk management role, eventually landing at Comcast just as it acquired NBCUniversal, transforming from an ISP and cable supplier into a multimedia and theme park powerhouse. Tom discusses how the Risk Management Department works at Comcast. Tom tries to build long-term relationships with his interns that endure when they move on. The RIMS Delaware Valley Chapter is the host chapter for RISKWORLD 2026, held from May 3rd through the 6th in Philadelphia, Pennsylvania. The chapter is also celebrating its 75th Anniversary. Tom shares his enthusiasm for these events and for a member reception on May 1st, linking the chapter's 75th Anniversary to RISKWORLD. Listen for ideas on advancing in your risk career and in your RIMS chapter.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:28] About this episode of RIMScast. Our guest is Tom Armstrong. He is a Global Risk Management Director at Comcast. He is also the President of the Delaware Valley Chapter of RIMS, which is celebrating its 75th Anniversary. Lots to discuss! But first… [:59] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:13] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:30] Webinars. On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for webinars at RIMS.org/webinars and through the links in this episode's show notes. [1:47] Folks, for more RIMS content, head over to YouTube and subscribe to @RIMSOfficialChannel. There you will find video podcasts, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. [2:05] On with the Show! Our guest today is a Director of Global Risk Management at Comcast. He oversees construction, crime, contracts, and executive risks. [2:16] We will learn what it takes to be a Global Risk Director for one of the top communications companies in the world, as well as a household name and brand. [2:27] We're also going to talk about all the joviality surrounding the Delaware Valley Chapter as they celebrate their 75th Anniversary. They happen to be the host city for RISKWORLD 2026, so we'll learn what they have in store for us. Let's get to it! [2:43] Interview! Tom Armstrong, welcome to RIMScast! [3:10] Tom says he is fortunate to hold the positions of Global Risk Director for Comcast and President for the RIMS Delaware Valley Chapter. In each case, he is one of a team that makes it happen. [3:47] Tom shares his career path. He went to Temple University intending to major in music education, to learn to conduct high school choirs and marching bands. After two and a half years into his degree, he decided it was not for him. [4:11] Tom transferred to the business school, where he was fortunate to take an Introduction to Risk course taught by Professor Barbara Manaka, now Chairman of the department there. She told him he'd make a great risk manager. [4:27] With help from Professor Manaka, Professor Robert Drennan, and the rest of the wonderful staff at Temple, Tom finished his four-year degree in only five years! He was one of the few to be hired into a risk management role straight out of school. [4:43] He started at CDI. In 2008, the position was eliminated, and Tom moved over to Aramark. He spent about three and a half years at the risk department. Then he got a call that Comcast was looking for someone to help them with the review of insurance language in contracts. [5:01] Tom was a contractor for his first 18 months at Comcast. A new risk manager came on board, Sandy Aspinall, and he brought Tom in-house as a senior analyst to review insurance language in contracts. [5:24] Tom was able to add on some additional scope, supporting construction, property, executive risks, the crime program, and whatever comes up that needs some support. Like the rest of the team, he's happy to step up. [5:57] Tom says that he never had a great talent for music. What he really liked was the community that a marching band or a choir brought to him as a kid in high school. He has found that this industry can give him a lot of the same community. [6:09] Community is why Tom wants to be a part of RIMS. It's why he stepped up to lead a RIMS chapter. It's why he appreciates his peers at Comcast. [6:23] Tom joined RIMS through meeting participation early in his career, in 2009 or 2010. Aramark supported his involvement in visiting and joining certain meetings. In 2017, he stepped up to be Treasurer of the Delaware Valley Chapter. He's been President for about three years. [6:46] Some staffing changes happened in the RIMS and the RIMS Delaware Valley Chapter in 2017 and 2018, opening up positions like Treasurer. Tom mentions former Treasurer Deborah Saunders and former RIMS President Robert Cartwright Jr., now a huge asset to the chapter. [7:53] Tom says he enjoys his work. He is one of six Directors and Senior Directors on the team, each reporting up to Sandy Aspinall. They each have their slice of the business. Tom gets to work on some really cool stuff. [8:03] Comcast deals with cable and internet delivery. Tom says there are some fun elements to it. They deal with theme parks and movie studios. They put solar panels on roofs. When Tom joined Comcast, he thought it was a boring cable company, but it is light-years more than that. [8:42] Tom and his peers sit at the corporate level at Comcast but have responsibilities across almost all Comcast subsidiaries, with a few exceptions that have their own approach to risk. They have no line authority over any of the subsidiaries. [8:58] Tom says everything we do is through demonstrating our value and persuading through convincing arguments. Risk Management doesn't say, "You have to do it this way." [9:14] They say, "You're not going to say Risk Management approved this, unless we work together and we provide you with the advice that we think will let you do your business in a way that protects the organization while letting you do the cool and inventive things that you do." [9:39] From day one, Tom's been involved in the review of insurance language in contracts. His team reviews 1,500 contracts in a year. They care about what they're doing, from the smallest contracts to the biggest engagements. They inform business leaders to make good choices. [10:21] For Tom, contracts are a framework through which he can look at the operations of the business. If contractors are going to enter customers' homes, they need commercial general liability to make any damages right. [10:38] Similarly, for people who handle customer data, design attractions in Comcast parks, or license intellectual property that Comcast distributes. In all of those situations, Comcast cares about how they engage. [11:07] Tom says the nature of the business to which they apply the risk framework has changed again and again. When Tom came on in 2012 as a contractor, Comcast was just starting to acquire NBCUniversal. [11:22] They went from an Internet Service Provider and a cable operator to a multimedia powerhouse with theme parks, movie studios, and TV production. That was a massive shift in how Comcast operates, and Risk Management had to learn to manage a new suite of risks. [11:42] That happened in a different way when Comcast bought and started operating Sky UK a few years ago. Every time Comcast introduces another element of business, Risk Management has to figure out how that fits into how they manage risk. [12:08] Peacock is a huge piece of the puzzle in terms of how Comcast is approaching its consumers and delivering content. [12:16] From a risk perspective, it mirrors what Comcast used to do from a linear distribution, but through very new channels and with less mature partners. Risk Management has to think about how the partners are capitalizing their exposures and how that cascades onto Comcast. [12:32] A Quick Break! RIMS is once again supporting the FERMA Global Risk Manager Survey 2026. [12:43] Now in its second consecutive global edition, the survey, led by FERMA, brings together insights from Europe, the U.S., Latin America, Asia Pacific, and Africa, offering a truly international perspective on how the risk management profession is evolving. [12:58] Surveys are anonymous, and the final report is free. The deadline to participate is March 31st. A link is in this episode's show notes. [13:08] RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [13:25] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [13:43] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [14:00] Let's Return to Our Interview with RIMS Delaware Valley Chapter President Tom Armstrong!  [14:23] A former colleague told Tom: You've got to be nosy to do this job! Commonly, someone will give you an answer that they think you want to hear when you start asking risk questions. [14:36] You have to ask at least five times. Why is it like this? How are you going to achieve that? How much is this really going to cost? Your vendor said that buying insurance is expensive, but can they define expensive? For all those questions, you can't just take an answer at face value. [14:55] There has to be a level of ethics and willingness to behave with integrity, as well as a willingness to roll up your sleeves and get the job done. [15:14] Tom says most of his regular partners understand the questions he's going to ask now. He doesn't have to ask why as often as he used to, because they've already done some of that work. [15:23] Tom says it helps to know your partners and the mindset they've brought to their conversations with their vendors. [15:34] Tom has one direct report, Juliana, who started two years ago to help him with some contract review work and let him focus on other things. Over the past four years, Tom has had four different interns. Two of them just won a CICA award. [16:34] To help build the future of the industry, Tom gives work to interns not as busy work, but work that can be put to a demonstrable use. [16:42] One intern helped move file storage from a network drive to a new SharePoint. Another helped finish a streamlined intranet page to deliver advice to internal colleagues. [16:59] All of that came with a reason to go and talk to every colleague and understand how their work fits into the risk management picture. Tom tries to find ways to make the intern's work meaningful. [17:19] The two interns posted about their CICA captive award. They have kept in touch with Tom and recently texted him for advice. Tom tries to build long-term relationships. [17:42] Tom says Comcast's Risk Management department has been fairly stable for the last few years. It would be great to have more hands on deck, but there is a budget, just like there is in every department in the organization. [18:15] Tom says in Orlando, they have Universal's Epic Universe, which opened in Spring 2025. They still have Universal Studios' Islands of Adventure and Volcano Bay theme parks. Tom says Epic Universe was such a cool project to work on. Tom started on it in late 2018. [18:35] Tom says they put the park together with their partners at Universal Creative. Tom's part was to insure it. [18:52] In 2020, as COVID started to become more noticeable, Tom was just about to bind coverage on the construction program for Epic Universe. It was a massive undertaking on 2,000 acres. There were 1,200 contractors with 7,000 people on site. [19:09] Just as Tom was about to hit Bind, COVID happened. They had to pause their whole marketing efforts and, about nine months later, re-market the entire program, deal with all of the changing supply chain issues that came along with COVID. [19:25] Comcast is very proud to have opened Universal's Epic Universe last year. It has been met with enthusiastic public reception. [19:36] Justin says that this episode was recorded on March 13th, six years to the day after a national emergency was declared for COVID-19. Tom was in Italy for his wedding on that day, and they had to cancel due to COVID and come home. They finished the wedding last year. [20:13] Justin says that for a risk manager, taking a theme park from conception to completion has to be a dream job. When people tell Tom insurance is boring, he asks them if they've ever received an email about the Ministry of Magic, or a giant theme park like Epic. [20:54] Last November, Sandy took the Global Risk Management Department to Orlando for an off-site all-hands meeting. They walked through the park and experienced some of the rides. It was nice to get back to the park without a hard hat after the construction site inspections. [21:30] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [21:55] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [22:10] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [22:22] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [22:31] Let's Conclude Our Interview with RIMS Delaware Valley Chapter President Tom Armstrong. [22:53] The Delaware Valley Chapter is celebrating its 75th year. They were close to New York, so they were the second chapter to be established. Tom said they've had a series of amazing individuals in the chapter, including Robert Cartwright, Jr., who have made the chapter what it is. [23:26] Tom says the chapter has a rich pool of talent in the Philadelphia area. "Delaware Valley" refers to the river, not just the state of Delaware. It's the Greater Philadelphia Area. Ben Franklin founded the first insurance company in Philadelphia. The city has a long history of insurance. [23:46] There are many awesome companies headquartered in Philadelphia, including Comcast and Aramark. The great professionals in the area have enthusiasm and a willingness to step in. [24:06] Tom says the chapter has a hard-headed insistence on continuing to persist. Like in a lot of organizations, coming out of COVID, it has been harder to keep people showing up in person. They hold meetings on the first Tuesday of every month at 8:00 a.m. That can be a tough trek. [24:32] Some members drive two hours to attend the meeting. The chapter is looking at the results of recent member surveys and might be making some changes to improve attendance. The chapter has a great community, and they try to foster what's already there. [25:04] Tom says the chapter has a couple of popular social events. Golf is huge. A Phillies Outing is aimed toward both rising risk professionals and mature risk professionals. Last year, they showed up at Citizens Bank Park with 65. That kind of event helps engage members. [25:35] The chapter partners with local Universities. Chapter VP Rory Magargee partnered last year with St. Joseph's University and helped them win a Black & Gold Award through Gamma Iota Sigma for the Networking for Newbies event to help students interact with professionals. [26:05] Justin says that the rising risk professionals were in high school or middle school when COVID hit. Professionals have been tracking how that would play out later on in their careers and personal lives. Students had gotten used to a virtual setting and then had to transition back. [26:49] Tom says, based on a recent membership survey, the chapter is looking at changing the upcoming programming year, starting in September, to preserve what works in the current approach and enhance it to bring in some folks who might not attend in person at 8:00 a.m. [27:31] From May 3rd through 6th, RISKWORLD 2026 will be in Philadelphia. The Delaware Valley Chapter will focus on its membership to celebrate its 75th year. [28:00] On Friday, May 1st, chapter members, some RIMS leaders, and sponsors will gather at a reception at a venue soon to be announced. Tom extends his thanks to the sponsors who are making it possible. [28:20] The chapter is passionate about Philadelphia. Tom is looking forward to RISKWORLD 2026 and showing the industry the best that Philadelphia has to offer. [28:25] It's not just the chapter's 75th year; it's also the 76th year of RIMS. It's also 250 years since the signing of the Declaration of Independence in Philadelphia. [28:43] To learn more about the RIMS Delaware Valley Chapter and apply for membership, visit DelawareValley.RIMS.org or find them on LinkedIn, or email any of the Board members. [28:53] Tom, it has been a pleasure to see you again and to get to know you through this episode. I look forward to seeing you at RISKWORLD 2026 from May 3rd through the 6th in Philadelphia. Congratulations again on your 75th! [29:11] Special thanks again to Tom Armstrong for joining us here on RIMScast. We wish him and all the members of the RIMS Delaware Valley Chapter, past and present, a Happy 75th Anniversary! [29:23] A link to the chapter's page is in this episode's show notes. We look forward to seeing many of those Delaware Valley Chapter members at RISKWORLD, which will be held from May 3rd through the 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [29:41] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [30:09] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [30:28] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [30:45] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [31:01] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [31:16] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [31:28] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Delaware Valley Chapter RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy FERMA Global Risk Manager Survey 2026 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "The Value of Risk Management: Inside the RIMS 2025 Compensation Survey" "RIMS 2025 Goodell Award Winner Randy Nornes" "Investing In Yourself with RIMS 2026 President Manny Padilla"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Tom Armstrong, ARM, CRM, CRIS, CIC, Director, Global Risk Management at Comcast President of the RIMS Delaware Valley Chapter   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Ralph Exton, Executive Director of the Water Environment Federation, about World Water Day, March 22nd, and the importance of water governance. WEF is a UN Water Partner, focusing on water access and gender equality. Justin and Ralph discuss the Value of Water Campaign and the Circular Water Economy. Ralph mentions other water organizations that the WEF promotes and supports. They discuss how water governance is a board-level issue, along with cybersecurity and financial risk. They explore ways organizations can participate in World Water Day. Listen for ideas on elevating water governance in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] Public registration is open for RISKWORLD 2026, which will be held from May 3rd through 6th in Philadelphia. Visit RIMS.org/RISKWORLD to register. [:27] About this episode of RIMScast. We will be joined by Water Environment Federation Executive Director Ralph Exton. He's here to talk about the circular water economy ahead of March 22nd, which is World Water Day. This is probably my favorite topic! But first… [:59] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:13] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:30] Webinars. The "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" Webinar, spotlighting women leaders in risk and construction, was rescheduled to March 20th. [1:42] The registration link is in this episode's show notes. You will have to register again if you have previously done so. [1:48] On April 16th, Zurich and World Travel Protection will present "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times". Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:05] On with the Show! Our topic is water risk management, and we are joined by the Executive Director of the Water Environment Federation, Mr. Ralph Exton. He has decades of professional experience with water risk. [2:19] He is here to discuss what the Water Environment Federation refers to as the Circular Water Economy, WEF's Value of Water Campaign, responsible water risk management, and World Water Day 2026, which emphasizes water access and gender equality. Let's get to it! [2:40] Interview! Ralph Exton, welcome to RIMScast! [2:48] Ralph Exton, Executive Director of the Water Environment Federation, joins us for this World Water Day episode of RIMScast. [3:29] Ralph Exton's career started with water. As a newly graduated mechanical engineer, his first assignment was to manage and supervise the water operations at an industrial facility. He says he had no idea what he was doing. He had wanted to work on robots. [4:57] Ralph says it did not take long. Once you understand how important water is to an industrial operation, you realize how important water quality is to the environment. Everyone knows how important water is from a personal standpoint. [5:28] When you understand those bigger factors, it becomes inherent in the way you think about your job and career. Ralph tells people, once you get your hands wet in water, they'll never be dry. [5:55] Ralph's entire career has been water. The early part of the career was operational and industrial. Then he worked for water technology companies, and eventually for the largest water technology and servicing companies in the world. He lists some of the global companies. [6:37] Ralph says that a couple of years ago, he was at a point in his career where he wanted to give back more and be more directly focused on the impact he could have on water and the environment. [6:52] Ralph had spent a lot of time with the Water Environment Federation as a customer, a volunteer, and a board member. All those things throughout his career helped him considerably. It's such an important organization for making connections in the water sector and for learning. [7:24] Ralph says that when the opportunity came up to be part of the organization that has been so important to his career for all those years, he jumped at it and was fortunate to be selected for this position. Ralph joined WEF in mid-2024. [7:47] Ralph says he is thrilled with the opportunity for direct contributions to water and the environment. It has been fantastic. The organization has always done super important things. He gets to be a part of making those things a reality now, and it's great. [8:17] World Water Day, March 22nd, is a big day for Ralph and for the WEF. This year, it emphasizes water access and gender equality. WEF is a strong supporter of water access, criminal justice, and gender equality. WEF is very proud to be a UN Water Partner. [9:06] Access to clean water and sanitation is directly correlated with a higher level of education, gender equality, and economic stability. If you have one, you're going to get the other. [9:24] In particular, ready access to clean water and toilets is crucial for women, especially at school age. If women aren't carting water all day long, they have more hours to spend with access to schooling and to join the workforce. [9:51] Ralph says there's also a very high correlation between women in the workforce and economic well-being, not only of the family, but also economic well-being within the regional and national economies. The theme for this year's Water Day ties it all together. [10:42] This is core to some of the work WEF does. WEF has a program called Charities of Choice. [10:54] WEF supports and promotes several not-for-profit organizations that focus on philanthropic and charity work, domestically and in developing countries, that provide services that ensure that the water environment is enhanced or preserved and public health is protected. [11:20] Ralph shares a couple of examples. Global Water Stewardship works to resolve sanitation issues in the developing world by educating people and engineering sustainable centralized solutions that keep waterways clean and communities healthy. [11:38] Water for People is an international nonprofit based in Denver, Colorado. Their goal is to bring water, sanitation, and hygiene services to everyone and to make the solutions last. [11:55] Engineers Without Borders builds a better world through engineering, through projects that empower communities to meet their basic human needs and equip leaders to solve some of the world's most pressing water challenges. [12:14] Operators Without Borders looks to provide certified volunteer water and wastewater operators who can support utilities in developing countries, following emergency or disaster situations, to ensure that safe drinking water and wastewater services are resumed quickly. [12:48] Ralph says WEF largely provides a platform and access to tens of thousands of people around the world who are part of WEF membership. WEF also has grants for water-related emergencies. [13:42] Ralph says volunteer work is probably the biggest thing people can do to help. Making donations to any of these organizations is super important. Feet on the street is a big cost component of this work. [14:10] The other cost component is training. If you send people to a location to solve a problem, and then they leave and don't provide training to the community, the solution won't last. Volunteers participating in some of these projects are a big help in making projects sustainable. [15:06] Ralph says you can provide someone a meal, or you can teach them how to grow that meal. There are short-term and long-term aspects. Long-term, you have to make sure they have the infrastructure, training, knowledge, and resources to provide for themselves. [15:51] The Value of Water campaign highlights the state-by-state economic benefits of investing in water infrastructure. The campaign is a coalition of the U.S. Water Alliance, the WEF, and other organizations. The WEF is on the Value of Water campaign steering committee. [16:27] We're at a pivotal moment regarding water infrastructure. A recent study was on the U.S. water infrastructure, but the issue is global. [16:46] The U.S. water infrastructure gets scored every couple of years on an A through F system. We don't score very well. The recent research has a powerful message. The funding gap is $1.8 trillion in water infrastructure between now and 2044. [17:30] Ralph says that's an opportunity. The latest report from the Value of Water campaign shows what's possible if we invest in water. Every $1 million directed towards water infrastructure generates $2.5 million in economic growth. There is a return on this investment. [18:13] That kind of return builds stronger communities. It creates meaningful jobs and helps drive innovation. [18:26] The report identifies that implementing circular water principles is going to be key. These strategies help transform linear systems into regenerative systems, where water is reduced and recovered, and constituents can be pulled from the water and recovered. [19:00] WEF is committing to advancing this approach as they help to shape a resilient and inclusive future. [19:14] The 2025 Value of Water Campaign Report is publicly available. The link is in this episode's show notes. [19:36] A Quick Break! RIMS is once again supporting the FERMA Global Risk Manager Survey 2026. [19:47] Now in its second consecutive global edition, the survey, led by FERMA, brings together insights from Europe, the U.S., Latin America, Asia Pacific, and Africa, offering an international perspective on how the risk management profession is evolving. [20:03] Surveys are anonymous, and the final report is free. The deadline to participate is March 31st. A link is in this episode's show notes. [20:12] RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [20:29] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges are now available. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [20:48] The Second Annual RIMS Texas Regional Conference will be held in San Antonio from August 10th through August 12th. [20:55] The call for submissions for educational sessions is open through March 18th. Check out the link in this episode's show notes and make a pitch! Hopefully, you get selected, and we see you in San Antonio! [21:07] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [21:26] Let's Return to Our Interview with Water Environment Federation Executive Director Ralph Exton! [21:44] Justin says Henk Ovink, Special Envoy for International Water Affairs for the Kingdom of the Netherlands, has twice been a RIMScast guest to cover World Water Day. Ralph and Henk work in the same circles and have crossed paths. [22:19] In Justin's first interview with Henk Ovink, Mr. Ovink pointed out how Heineken was one of the first companies to use its industrial sludge as an energy source to keep its plants going. Ralph says plenty of companies now are pillars of the Circular Water Economy. [23:08] Ralph says, if you recover energy, nutrients, and valuable metals from waste, as opposed to burying it in a landfill, you unlock a lot of economic opportunities that way. [23:40] The waste that's generated at many waste treatment plants can be converted into enough fuel to power all the pumps and equipment that's needed to treat the water itself. You create a microeconomic opportunity right there that doesn't rely on electricity from the grid. [24:06] Ralph says it has become a growing scenario. WEF is trying to do its part to promote as many of those opportunities as it can. They give out several awards every year for Utilities of the Future that are doing this type of thing. WEF highlights these companies at annual events. [24:44] The more organizations, whether utilities or industries, that do this, not only does it help the environment, but it also creates economic opportunities. [24:56] There will always be byproducts and sidestreams that come off of these processes, by which you can generate economies around them, whether you're extracting a nutrient from waste or pulling energy from that waste.  [25:18] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [25:42] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [25:57] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [26:09] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [26:18] Let's Conclude Our Interview with Water Environment Federation Executive Director Ralph Exton. [26:56] Ralph says the notion of circularity started with the Ellen MacArthur Foundation. They're about building economies around implementing circular processes. The WEF is focused on circularity in terms of water. They refer to it as the Circular Water Economy. [27:42] The WEF leads the way for the public and private sectors to optimize and recover valuable resources from water and wastewater in ways that help fight climate change, support equitable economic development, and ensure water access. This is the Circular Water Economy. [28:26] The circular water economy practices help keep products and materials in use. They regenerate natural systems and design out waste and pollution from the equation. The model helps to build a just and sustainable society. The WEF is working to lead that. [28:42] There are three core principles of the Circular Water Economy. [28:45] These are: 1. Reduce. Minimize water usage and waste through efficient practices. 2. Recover. Extract valuable resources from wastewater. 3. Regenerate. Restore natural ecosystems. Recharge aquifers through sustainable water management practices. [29:13] The benefits of following those core principles include reducing water pollution, preserving ecosystems, lowering water treatment and extraction costs, supporting green jobs, and enhancing water security with equitable access to water resources. [30:18] The WEF did a report last year on the economic opportunities that can be unlocked by implementing Circular Water principles. A link is in this episode's show notes. [30:39] The WEF started the Circular Water Economy with the principles of circularity and circular economies, with a focused effort on water. The WEF felt that between water and waste, they could churn out a lot of economic opportunity with a focus on the sector they support. [31:14] The WEF believes that the Circular Water Economy will make the biggest impact in the next five years. It's one of their three core strategic pillars. [31:32] March 22nd is World Water Day. This episode is coming out six days ahead. People have time to participate in local World Water Day activities, volunteer, or donate. [32:03] Ralph says the most important reminder he can give the RIMScast audience is that water is more than an enterprise or utility risk; it's a human risk. When water systems fail, other things fail. Operations fail, supply chains fail, and workforce stability is disrupted. Public trust is ruined. [32:50] Ralph says women, families, and communities absorb that impact first, which has direct economic consequences. [33:00] The most resilient organizations elevate water subjects to the boardroom, treating it with the same rigor as they would cybersecurity. Water needs to be at the same level as cybersecurity and financial risks. [33:20] Water governance is no longer optional; it's foundational to resilience and equality. The theme of World Water Day this year speaks to that. [33:41] Justin says there are so many ways for RIMS and WEF to collaborate. Justin looks forward to getting Ralph on a webinar about water management. Justin thanks Ralph for informing our audience about World Water Day and why water risk management is central. [34:16] Special thanks again to Ralph Exton, Executive Director of the Water Environment Federation, for joining us here today on RIMScast. I've got links to WEF.org and the Circular Water Economy in this episode's show notes. [34:31] Be sure to check out the links in this episode's show notes for prior RIMScast coverage of water risk and World Water Day. Remember that World Water Day is observed globally on Sunday, March 22nd, 2026. Everyone deserves access to clean water. [34:50] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [35:19] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [35:37] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [35:54] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [36:11] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [36:25] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [36:38] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Texas Regional Conference 2026 Education Content Submission — Deadline March 18, 2026! RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy FERMA Global Risk Manager Survey 2026 WEF.org 2025 Circular Water Economy White Paper Report 2025 Value of Water Campaign Report 2025 Industrial Water Solutions Columbus, OH 2026 Industrial Water Solutions Chicago, IL 2026 WEF Summit-Financing the Future of the U.S. Water Sector Podcast Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 20 | Presented by RIMS "Navigating the New Global Risk Landscape: Lessons for Business Travelers in Unstable Times" | April 16 | Presented by Zurich and World Travel Protection RIMS.org/Webinars   Related RIMScast Episodes: "Water and Women in Risk with Sarah Mikolich" "Environmental Bias with Eloise Copland" "World Water Day, IoT, and Water Damage Reduction with John Dempsey" "World Water Day 2022 with Henk Ovink, Special Envoy for International Water Affairs for the Kingdom of the Netherlands" "Earth Observations, Acronyms, and Risk with Dr. Shanna McClain of NASA" (2021) "Combating Water Scarcity with AquaShares Founder James Workman" (2020)   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Ralph Exton, Executive Director, Water Environment Federation   Production and engineering provided by Podfly.

In this episode of LIFTS, hosts Matthew Januszek and Mohammed Iqbal welcome Star Sage, a leading force in the recovery and wellness industry. Star shares her expertise from years at Hyperice and how recovery is now central to events, gyms, hotels, and even Gen Z culture. Highlights include: How Hyperice helped redefine recovery in mainstream culture. The shift from cocktail hours to compression lounges at elite events. Why hotels are investing in 24/7 recovery rooms. The Gen Z obsession with wellness over nightlife. How recovery boosts gym retention and member engagement. Underrated recovery methods that need more hype. New intersections between hospitality, entertainment, and wellness. Star's predictions for the future of recovery.

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Our Freight Transportation & Airlines Analyst discusses the key takeaways from his mid-year corporate travel survey, which includes a number of positive trends for the second half of 2024.----- Transcript -----Welcome to Thoughts on the Market. I'm Ravi Shanker, Morgan Stanley's Freight Transportation and Airlines analyst. Along with my colleagues bringing you a variety of perspectives, today I'll discuss my expectations for corporate travel in the second half of this year. It's Thursday, July 11th, at 10am in New York. More and more business travelers are packing their bags and taking a flight for business meetings. In fact, our corporate travel survey suggests that a record 50 percent of respondents marked their travel itineraries as returning to pre-COVID levels. As well, corporate travel budgets are expected to be up five to seven percent year-over-year in 2024, and about six percent in 2025. This means significantly more flights, hotels and car bookings for corporate travel.Interestingly, this is the first survey since 2021 that larger enterprises were more optimistic on corporate travel demand compared to smaller enterprises.The shift to virtual meetings over the next two years will likely be stable. Companies continue to predict that 12-13 percent of travel volume will be replaced by virtual meetings in 2024 and 2025. Looking ahead, respondents expect this level to hold through 2025, supporting some level of permanent shift we think.For US airlines specifically, we have started to see more signs of life within the corporate space. Several US airlines are pointing to noticeable improvement in the first quarter after fairly stagnant volumes at the end of 2023. We also saw a reversal from prior surveys with larger corporations recovering faster than smaller enterprises, which had initially led the post-COVID recovery.This positive trend in airline demand is supportive of our attractive view on US aerospace, as well. Even though global air traffic has already reached pre-COVID-19 levels, it is still about 32 percent below where the trendline would have been if COVID-19 had not happened, which leaves more room for growth.For business aviation, private jet use should remain strong and stable as a large majority of survey participants are not planning to change their business jet travel. Higher interest rates and a potentially slowing economy could lead to a potential slowdown in business jet demand, but this hasn't happened so far as there continues to be limited excess capacity in the industry as well as continued strong demand for aircraft.Our colleagues in Europe note that although near-term indicators are positive, 40 percent of European respondents now do not expect corporate travel volumes to return to 2019 levels. This is concerning for the longer-term prospects of European corporate demand growth, which appears to be weaker than US growth.Whether you're flying private jets or commercial, or choosing to keep your team meetings virtual, we'll continue to monitor corporate travel trends, and let you know of any updates to those flight manifests. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Talking Cyber is a Cybercrime Magazine podcast series that covers the latest news and breaking stories on the cybereconomy, hackers, intrusions, privacy, security and much more. In this episode, host Amanda Glassner is joined by Heather Engel, Managing Partner at Strategic Cyber Partners, to discuss a new survey commissioned by World Travel Protection that determined that companies are not doing enough to protect business travelers from cybercrime. To learn more about today's stories, visit https://cybercrimewire.com • For more on cybersecurity, visit us at https://cybersecurityventures.com

Welcome to What's Up in Business Travel for Week 5 of 2024.  This is a weekly podcast from BusinessTravel360,  where we update you on what's up this week in the world of business travel.  This podcast is great for those who need to know what's happening all in under 15 minutes.Topics covered during this podcast -Employers add 353,000 new jobsBusiness Travel Poll shows more spending in 2024Less than 20% of Business Travelers rent EVsJetBlue files for expedited merger appealAmerican lays off 650 customer service repsGol files for Chapter 11 bankruptcyAmadeus acquires biometrics solution Vision-Box Travel Leaders Corporate brand to retireVirgin Atlantic & China Eastern launch partnershipKM Malta Airlines launches with Lufthansa codeshareGoogle updates flight emissionsEl Al to expand serviceFrontier Airlines introduces new Biz programJetBlue adds new feeEnterprise enters Latin America & Caribbean marketsARC integrates with Kenya Airways NDCSilverRail adds Swedish transport contentTune in every Monday morning to get your weekly update.  We hope you will make this a regular part of your week and listen in while you on the move or sitting back and sipping your coffee.You can subscribe to this podcast by searching 'BusinessTravel360' on Google Podcast, Apple Podcast, iHeart, Pandora, Spotify, Alexa or your favorite podcast player.This podcast was created, edited and distributed by BusinessTravel360.  Be sure to sign up for regular updates at BusinessTravel360.com - Enjoy!Support the show

This week: Can premium leisure travelers replace business travelers? Challenges at NYC area airports; Record number transatlantic flights over past decade; Listener Q's on EASA type ratings, and why did Alaska retire so many Virgin America airplanes? (photo: Eze, France)

Dubai is the middle of business travel boom.Visitors to the city are higher than usual for the summer months.Anoop Dhondoo is the Cluster General Manager of the Novotel and ibis Dubai World Trade Centre.He joined Kitch and Neeil to discuss:The evolving nature of business travel How hotels prepare of business travelers compared holiday travelersWhy technology matters for businessThe importance of time for a business travelerhttps://www.novotel-dubai-world-trade-centre.com/. Hosted on Acast. See acast.com/privacy for more information.

Dave talks about his recent experience traveling back to China after three years of lockdown, from airport and visa requirements, things to do for ecommerce sellers, and cultural shifts.   China, the factory of the world, has once again opened its doors to foreigners after several years of lockdowns and COVID restrictions.   Fortunately for EcomCrew listeners, Dave just came back from his first trip to China post-COVID, and he'll be sharing some of the biggest changes you want to take note of when planning your own trip down south soon.    This episode will cover things like China's current rules regarding old and new visas, practical tips for navigating customs and other travel requirements, and a few changes you might notice when in China.    Timestamps:  00:00 – Intro 01:23 – China has started honoring old visas; How to secure new visas 04:09 – Flights to China are extremely expensive 05:57 – You need an online customs declaration when entering/exiting China 08:37 – Need-to-knows about COVID tests, vaccinations, and masking 11:15 – Should you head over to China for trade shows in the Spring? 13:26 – Big changes for foreigners traveling to China over the past three years 20:04 – Odd and fun things you'll notice when heading back to China this year 22:02 – Overall attitudes towards the west and Xi Jinping 24:40 – Final thoughts on going back to China Resources mentioned:  China Customs Website Trip.com   We hope this episode helps you strategically prepare and make the most out of your upcoming trip to China. Please do leave us a review on iTunes if you enjoy this kind of content.   Happy selling, and we'll see you in the next one!

At Management Consulted, we believe in maximizing life, not just career. And a big part of that for us is travel. Plus, a big part of our career is traveling, like it may be for you!In today's episode, Namaan and Stephanie (80+ countries combined) share the best travel credit cards for business travelers. When used strategically, and as a part of a holistic financial strategy, travel credit cards can help you take advantage of spending you are already doing to procure points, miles, and other travel perks.Relevant LinksGeneral Travel CardsThe Platinum Card® from American ExpressChase Sapphire ReserveAirline CardsUnited Explorer CardDelta SkyMiles® Platinum American Express CardCiti® / AAdvantage® Platinum Select® World Elite Mastercard®Southwest Rapid Rewards® Plus Credit CardHotel CardsMarriott Bonvoy Boundless® Credit CardHilton Honors American Express Surpass® CardThe World of Hyatt Credit CardInstacart - Groceries delivered in as little as 1 hour. Free delivery on your first order over $35.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you. Management Consulted on LinkedIn, Instagram, and TikTok Email the Strategy Simplified team: podcast@managementconsulted.com Sponsor an episode or advertise: Management Consulted Media Kit

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Bed and Breakfasts offer an attractive alternative to bland hotels when traveling for business. Host Lydia Di Liello welcomes sister-in-law Laura Di Liello to the show today to discuss the ins and outs of running an inn and how staying at an inn can help you return home less stressed. Laura started her career as an electrical engineer in the automotive industry. Her experience traveling around the world and staying in countless hotels led her and her husband (also an electrical engineer) to leave corporate culture behind to run an 18-room inn in Pennsylvania. Laura details how to choose the right location, how to tell the good from the not-so-good, and how to get the most out of your stay. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people who used to travel for work don't expect to return to the road, a recent poll found. Listen here and learn more at Knewz.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

After navigating a global pandemic for well over two years, what's your new normal? In a new podcast series – “Back and Better Than Ever” –  learn from incredible women coming together to discuss what “returning” means to them. In this episode, Kate Nichols, Founder of Go Jane, Go, a global community of 1,000+ women who travel for business, joins Shannon Jackson, Business Development Leader at Avis Budget Group Produced by GBTA WINiT's Return to the Office & Return to the Road Committee, the “Back and Better Than Ever” podcast series explores unique views and voices from guests that have various ties to business travel. Hear the shared experiences that all business travelers have likely endured in some capacity – while gaining insight on how to continue to prevail together.

Did you know that 84% of Business Travelers will travel to a Conference, Trade Show or Convention in the next 6 months? Want to know the reason? Who is your Biggest Brand Advocate? What are Non Meat Eats? What could you do to keep your Brand relevant? Listen/watch On Air with Russell of Hotels and find out.

Find out what your destination can expect to see when it comes to business travel trends this year and how you can take advantage of convention marketing and other business travelers to generate revenue in your destination. Tourism Media Mayhem is a part of the Destination Marketing Podcast Network. It is hosted by Josh Scheer and Sasha Jackson and produced by the team at Relic. To learn more about the Destination Marketing Podcast Network and to listen to our other shows, please visit https://thedmpn.com/. If you are interested in becoming a part of the network, please email adam@relicagency.com.

Today's Whiteboard & Poll きょうのホワイトボード https://www.azumiism.com/category/podcast/

Jacqui Cooper (@JCooperTravels) speaks with Justin Smith (President, The Evolved Traveler/ Editor In Chief of "Evolved") about his current excursion to Africa & the conservation travel package he is creating for families, individuals & business travelers. Learn what is an evolved experience travel trip to Victoria Falls. Learn about the local organizations working to protect the elephants & other endangered animals in their country. To reach Jacqui email her at jcoopertravels@gmail.com. You can explore her travel website at www.cooper-travel.com. You can also book your own travels & enjoy discounts up to 35% less by clicking here. Be sure to connect with Jacqui for all of your travel insurance needs even if you book your own trips. To learn more about sustainable travel also visit Global Sustainable Tourism Council To reach Justin, visit his website at evolvedtraveler.com or email at justins@evolvedtraveler.com To support two organizations helping in the area of conservation, visit https://www.zambesia.com/ and https://www.savetheelephants.org/ To watch this interview & the series of conversations to follow, visit & subscribe to JCooperTravels YouTube Channel Subscription Link Background on Justin.... "After 35 years in the travel industry, having the good fortune to travel to many places and experience things I would have never imagined, a personal fork-in-the-road led me to believe there was a more productive way to approach travel, even luxury travel. It seemed to me that we were only looking at one side of the experience—our own. This thought and my personal journey at the time were what lead to the concept and creation of The Evolved Traveler. So what is this aspect of travel that we are missing? It is likely nothing more than having a broader perspective. What if, during our journeys, we began to see the people we met as members of the global community, just as we are, and to have a genuine interest in their lives and culture? To have, and practice, respect for our environment as well as the towns and communities we visit and minimize the footprints, both figurative and literal, we leave behind? The concept is simple—to travel with a purpose, to travel and experience with the intent of being a citizen of the world, not just a consumer of it." --- Send in a voice message: https://anchor.fm/jacqui-cooper/message Support this podcast: https://anchor.fm/jacqui-cooper/support

Global mobility is evolving in new and different ways. A sophisticated and agile employee mobility strategy is key to attracting and retaining the best talent as well as managing the complex tax, administrative, and strategic needs of your global workforce. On this episode of Tap into Tax, we will explore mobility program strategy, benefits and tax considerations for business travelers, frequent business travelers and commuters – domestically, state-to-state, as well as cross-borders globally.In this episode:Margie Dhunjishah, Tax Reporting & Strategy leader, PwC US Eileen Mullaney, Global Mobility Consulting Leader, PwC US

Rats and other vermin are feasting on high priced Teslas and the company is just shrugging it's shoulders at angry customers. Southwest Airlines is not treating all passengers the same when it comes to buying tickets and MBTA riders have become snake fascinated with an abandon Dunkin ice coffee that has been sitting in a station for months

Resources to start or grow your Airbnb business: New! Download 2021 US Cities Report to Make Money with Airbnb: https://bit.ly/307fh79 Get 1 on 1 coaching with David Leroux: https://bit.ly/2ZpB2Qp Get the Airbnb Cash Flow Method at https://bit.ly/2C09KYl Get my Airbnb pricing tool at https://bit.ly/3elWRVq Get my free ebook at w ww.davidbnb.com/go Use Uplisting Property Management Software: https://www.uplisting.io/?via=cashflowstreet Submit your Airbnb question for a new podcast episode at: david@cashflowstreet.com

BIO: Mickey Beyer-Clausen is a Danish-born, New York-based serial entrepreneur. In the '90s, he was one of the first to launch successful Internet businesses and today he's building genre-defining companies around innovations with the potential to improve the human or planetary condition. Currently, Beyer-Clausen is the Co-founder and CEO of Timeshifter — the world's first platform for circadian shifting with a mission to solve large, previously unsolved problems caused by our circadian clock. Before Timeshifter, Beyer-Clausen co-founded and served as CEO at Mental Workout who pioneered a new category of apps, including the first mindfulness and sleep apps. He is also the co-founder of Trunk Archive, a full service image licensing agency representing the world's most engaging and sought after photographers, two leading domain name services, Speednames and Ascio Technologies, as well as Internet Payment Scandinavia, one of Europe's first online payment gateways. SHOW NOTES:⌛ Mickey's story and why he felt it was necessary to create Timeshifter⌛ What the app does for you⌛ Focus on the connection between mental performance and flexibility⌛ Dr. Steven Lockley, Professor at Harvard Medical School: Introduction to circadian science⌛ Implementation of science to help astronauts travel to Germany, Russia, and Japan⌛ How to apply neuroscience to peak performance (before rocket launches, baseball, and more)⌛ What NASA has to do with stabilization of your circadian rhythm⌛ How to shift the clock reliably...in as quick as a minute⌛ What the correct way to use melatonin is⌛ Myth or fact: LED illumination in planes can help fix your mental clock Email Mickey: mickey@timeshifter.comFollow on Instagram: https://www.instagram.com/mickeybeyerclausen/Follow on Twitter: https://twitter.com/mbeyerclausenConnect on LinkedIn: https://www.linkedin.com/in/mickeybeyerclausen/

Resources to grow your Airbnb business: Use Uplisting Property Management Software: https://www.uplisting.io/?via=cashflowstreet New! Download 2021 US Cities Report to Make Money with Airbnb: https://bit.ly/307fh79 Get 1 on 1 coaching with David Leroux: https://bit.ly/2ZpB2Qp Get the Airbnb Cash Flow Method at https://bit.ly/2C09KYl Get my Airbnb pricing tool at https://bit.ly/3elWRVq Get my free ebook at w ww.davidbnb.com/go Submit your Airbnb question for a new podcast episode at: david@cashflowstreet.com

When road warriors first start out, they don't always get the "secret handshakes" or the "unspoken rules" to business travel. In some cases, you may have to make the mistake before you realize it was one. But what if you could stop the mistake before it happened?This week on the podcast, we go over mistakes that new business travelers make and how to avoid them. --- If you're new to the show, every episode has a physical or mental energy habit focus that we'll highlight and a corresponding article.Check out our free resources:7 Early Warning Signs to Avoid Business Travel BurnoutTop 10 Business Travel Hacks GuidePlease help other road warriors by leaving a rate and review on iTunes!Connect with Bryan on LinkedIn or Instagram.---Editing and mastering by Caleb SuwanskiSelect sound effects and music provided by https://www.zapsplat.com

P2P was created to help people communicate with people using their favorite technology - their phone. In 2018 I created and launched a new Text Marketing business. Greg Armfield designed and developed a new mobile responsive web application called TextP2P to be better than competition. TextP2P is a SMS & MMS text marketing system that enables you to cultivate better relationships with customers and streamline follow-ups. Send your customers SMS & MMS messages from a virtual 10 digit local number with a maximum of 1600 characters! TextP2P is a response designed web-app that functions great on the computer or on mobile devices. It offers features like: Sending bulk personalized texts, link click tracking, Ringless Voicemails, keyword signups, automations, scheduling, and more. In 2019, TextP2P was selected as a finalist for the Technology Innovator of the year small business award with the Loudoun Chamber of Commerce, VA. Be sure to check out P2P by visiting this link & sign up for a free 14 day trial. https://app.textp2p.com/FREE14DayTrial.php?referral_id=735 Thank you so much for being part of my JCooperTravels podcast journey. Remember to subscribe to the podcast & follow along on my YouTube Channel as well to listen to other upcoming broadcasts.. To thank you for listening, visit JCooperTravels Podcast Member Bonus Area & check out the free offers & exclusive discounts as a result of our sponsors and other interested businesses. https://jcooper.biz/jcooperbonuses Let me know what topics you would like me to share with you. Happy Travels! Jacqui Youtube: https://www.youtube.com/channel/UC5H2CChosYrWbAGzdMAdadQ?view_as=subscriber --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/jacqui-cooper/message Support this podcast: https://anchor.fm/jacqui-cooper/support

With the rate of COVID-19 infections increasing in Texas, states including New York, New Jersey, and Connecticut are imposing travel restrictions which may affect business travel in and out of Texas. Jackson Walker Labor & Employment attorney Judy Garner discusses a few issues that Texas business leaders should consider before sending employees on out-of-state business trips. For more information and additional JW Fast Take podcasts and webinars, visit JW.com/Fast. Follow Jackson Walker LLP on LinkedIn, Twitter, Facebook, and Instagram. The music is by Eve Searls. This podcast is made available by Jackson Walker for informational purposes only, does not constitute legal advice, and is not a substitute for legal advice from qualified counsel. Your use of this podcast does not create an attorney-client relationship between you and Jackson Walker. The facts and results of each case will vary, and no particular result can be guaranteed.

One of the perks of frequent business travel is the ability to rack up airline and hotel points that can be used for upgrades and free hotel stays and tickets. The loyalty game has changed dramatically over the past few years and especially in recent months. As business travel resumes, business travelers are going to rethink their loyalty strategies and travel managers will want to consider their importance in rethinking policies that drive adoption. We sat down with Ron Davis, Director of Loyalty at Radisson Hotel Group, Dave Canty, Partner, New World Loyalty, and Grant Martin, Director of Product Marketing at TripActions, to talk through recent loyalty changes and how business travelers and travel managers should think about loyalty moving forward.

In this episode a family stranded at sea, the positives for the planet as travel is restricted and the crazy idea to keep the travel bug alive.Explore your boundaries and discover your next adventure with The World Nomads Podcast. Hosted by Podcast Producer Kim Napier and World Nomads Phil Sylvester, each episode will take you around the world with insights into destinations from travellers and experts. They'll share the latest in travel news, answer your travel questions and fill you in on what World Nomads is up to, including the latest scholarships and guides.World Nomads is a fast-growing online travel company that provides inspiration, advice, safety tips and specialized travel insurance for independent, volunteer and student travelers traveling and studying most anywhere in the world. Our online global travel insurance covers travelers from more than 135 countries and allows you to buy and claim online, 24/7, even while already traveling.The World Nomads Podcast is not your usual travel Podcast. It's everything for the adventurous, independent traveler.

What questions do you have regarding becoming ELITE on the road? This week on the podcast, answers to eight questions from real road warriors about the Six Energy Habits of the Elite Road Warrior. If you're new to the show, every episode has a physical or mental energy habit focus that we'll highlight and many will have a corresponding article (see show notes and the ERW website).Extended Show Notes

Why is booking personal travel a lot more fun than booking business travel? It’s not just because the former means vacation and the latter work. Erik Magnuson, VP of Air Distribution Capabilities at CWT, breaks down for us how airlines and the industry are working to improve the shopping experience for business travelers.

plae Shoe founders, Ryan Ringholz and Jonathan Spier, are my guest on today’s podcast. I was particularly excited to speak with them about their Packables line of footwear that is geared towards travelers in design and function. “Packables are shoes uniquely designed and packaged to compress flat, taking up a lot less space in your bag and giving you the freedom to add more play to your day.”They both travel overseas to Vietnam and Taiwan for samples and factories all while balancing their family duties was inspiring. They have incorporated kids, family, and business all in one business model that is growing and successful.

plae Shoe founders, Ryan Ringholz and Jonathan Spier, are my guest on today’s podcast. I was particularly excited to speak with them about their Packables line of footwear that is geared towards travelers in design and function. “Packables are shoes uniquely designed and packaged to compress flat, taking up a lot less space in your bag and giving you the freedom to add more play to your day.”They both travel overseas to Vietnam and Taiwan for samples and factories all while balancing their family duties was inspiring. They have incorporated kids, family, and business all in one business model that is growing and successful.

Laura Stack of The Productivity Pro shares tips for business travelers. This is part 2 of 2.    Episode 715: [Part 2] Productive Travel: Tips for Business Travelers by Laura Stack of The Productivity Pro on Work Traveling   Laura Stack, MBA, CSP, CPAE is an award-winning keynote speaker, bestselling author, and noted authority on employee and team productivity. She is the president of The Productivity Pro, Inc., a company dedicated to helping leaders increase workplace performance in high-stress environments. Stack has authored eight books, including FASTER TOGETHER: Accelerating Your Team's Productivity (Berrett-Koehler 2018). She is a past president of the National Speakers Association, and a member of its exclusive Speaker Hall of Fame (with fewer than 175 members worldwide.) Stack's clients include Cisco Systems, Wal-Mart, and Bank of America, and she has been featured on the CBS Early Show and CNN, and in the New York Times.   The original post is located here:   and  With the SendPro Software, you can compare shipping rates between carriers, plus save 40 percent off USPS Priority Mail shipping and get 5 cents off every letter you send. Try it FREE for 30 days and get a FREE 10 pound scale when you visit

Laura Stack of The Productivity Pro shares tips for business travelers. This is part 1 of 2.    Episode 714: [Part 1] Productive Travel: Tips for Business Travelers by Laura Stack of The Productivity Pro on Work Tips   Laura Stack, MBA, CSP, CPAE is an award-winning keynote speaker, bestselling author, and noted authority on employee and team productivity. She is the president of The Productivity Pro, Inc., a company dedicated to helping leaders increase workplace performance in high-stress environments. Stack has authored eight books, including FASTER TOGETHER: Accelerating Your Team's Productivity (Berrett-Koehler 2018). She is a past president of the National Speakers Association, and a member of its exclusive Speaker Hall of Fame (with fewer than 175 members worldwide.) Stack's clients include Cisco Systems, Wal-Mart, and Bank of America, and she has been featured on the CBS Early Show and CNN, and in the New York Times.   The original post is located here:   and  Please help craft the content for this show by filling out this survey:

This is a terrific interview with Jen Whitmore who is a Personal Trainer especially for travelling Business people. How do you eat well and maintain an exercise regime when you're either in an airport, driving your car and/ or eating out with clients? Jen has the answer. After 14 years in the fitness industry Jen is poised to transform the lives of even more people. Contact Jen through LinkedIn or through her existing website www.jenwhitmoretraining.com or through her new website www.rwtravelswell.com If you travel for work and want help with eating healthy and keeping up with your exercises, Jen is the person to contact. in this interview she does also tell us some pretty neat things about her business journey. This is the only advertising on this podcast! My guess is that you are here for one of 2 reasons: Are you curious about what it’s like to start a business? Do you wonder if you have what it takes? Would your idea work? How much does it actually coss to build a successful business? OR Have you been in business for a few months or a year or 2 and things aren't going quite the way you thought they might? I’ve written this book to answer pretty much all of your questions “So You Want to Start a Business” and you can download the first 20 pages at www.thestartupsteps.com My 15 years of experience working with start up and small businesses are condensed into this book. This is your step by step guide to launch your business smarter and faster. It’s so exciting to be sharing it with you. Please share your progress Are you ready to buy the book? Head over to Amazon Happy reading!

Here is my podcast with personal trainer Curtis Fisher. Curtis has 20 plus years experience training himself and others to be healthier and maintain fitness levels. He shares his story of clean bodybuilding while working a day job and raising a family. He shares his time constraints and is aware of us travelers reasons/excuses we have when we travel for our work.I particularly like his tips for exercising on the road without going to a gym. Providing simple exercises while being based in a hotel room is essential and easy.He also shares how to eat healthier on the road which, at least for me, is often a struggle. For me when I’m home I feel like I can control my food prep and cooking. I struggle sitting in a hotel room wondering where there are good food choices around. Curtis helps by reminding us that most restaurants have better options now and many supermarkets have deli shops and ready to eat meals inside.

Here is my podcast with personal trainer Curtis Fisher. Curtis has 20 plus years experience training himself and others to be healthier and maintain fitness levels. He shares his story of clean bodybuilding while working a day job and raising a family. He shares his time constraints and is aware of us travelers reasons/excuses we have when we travel for our work.I particularly like his tips for exercising on the road without going to a gym. Providing simple exercises while being based in a hotel room is essential and easy.He also shares how to eat healthier on the road which, at least for me, is often a struggle. For me when I’m home I feel like I can control my food prep and cooking. I struggle sitting in a hotel room wondering where there are good food choices around. Curtis helps by reminding us that most restaurants have better options now and many supermarkets have deli shops and ready to eat meals inside.

How do I start a magazine based in the travel business?Today’s podcast is with Cristina Alcivar. Cristina is the founder of Vane Airport Magazine, a digital resource for airport travelers.Vane Airport Magazine is a complete resource guide providing information on air travel and varied information available at airports around the world. Cristina started Vane as a way to help airport travelers find and locate the hidden gems for us business travelers. You can check out her website at https://magazine.vaneairport.com or on Instagram @vaneairportmagSUBSCRIBEYou can subscribe to The Travel Wins Podcast on Apple Podcasts, SoundCloud, YouTube, iHeart Radio, Stitcher, Google Podcasts, Spreaker, Podnews, Castbox, Overcast, Breaker, Pocket Casts, Radio Public, and Spotify.

For this week's episode, The Business of Travel revisits an important topic – the safety of women business travelers. In the opening segment, GBTA President Christle Johnson talks GBTA priorities and highlights from a recent GBTA research study on female business travel safety conducted in partnership with WWStay. Next up, WWStay's Dawn McGowan dives deeper into the findings and discusses how they are approaching the issue. Cathy Rigby of the CFA Institute and GBTA's Risk Committee addresses what's at stake for companies that don't build female traveler safety into their programs and provides practical safety and security advice for women travelers. Want to learn more about the GBTA research on the topic? Download an infographic here featuring key highlights. If you're attending GBTA Convention 2018 in San Diego, you can also catch an education session on this research on August 13 at 8:45 AM. You can download and listen to The Business of Travel in iTunes, Stitcher, Google Play and your other favorite podcast directories. Be sure to subscribe to the show so you don't miss out!  

Lots of companies are using Extended Business Travelers for specific project work, expanding their brand globally and just getting things done. Unfortunately, a lot of these companies neglect the very real risks that accompany these moves in regard to visa and tax laws. In this episode, Jennifer Connell, Practice leader in Weichert's Advisory Services group, discusses results of a recent survey to explain how companies are managing these moves, best practices and recognized threats.

So just how do you travel like a pro? That is exactly what I wanted to know so I created the the Jetset Genius Podcast! This is THE travel podcast for travelers who want to get the latest travel tips and hacks to make life on the road easier. Today I'll share with you my story on how I went from loving travel to hating it and back again. Plus I'll share with you  the 5 keys to traveling better that I learned from years on the road. In this Episode, You'll Learn:  How I landed my travel dream job What to do if you start hate traveling What is the Jetset Genius Podcast about? 5  Secrets to Traveling Better Episode Freebie: Essentials Packing List for Business Travelers

Show notes In our last post we ran through the essentials that business travelers should cover before setting out on a journey. I this post, we run through the safety and security essentials for during and after the journey. This is much shorter than the pre-travel section, which highlights how much value there is in being prepared. If you prepare yourself well, then the travel itself should go smoothly and, in the event that misadventure does arise, you’ll be in a better position to respond to it. Episode Highlights: How to check your corporate travel policy The pros and cons of touts, rideshares and public transport Why you should ask for accommodation on the 3rd, 4th or 5th floors Why you should hang the Do Not Disturb sign on your door, even if you aren’t in the room Ask for a room away from the fire escape. Thieves prefer to work rooms near fire escapes for a quick exit if needed What to do when things go bad (Riots, Terrorist Attacks, etc) What to do if prompted for a bribe by an official What you need to do after your travels https://www.linkedin.com/in/troypanopticsolutions/ https://www.facebook.com/PanopticSolutions/ https://twitter.com/Panoptic01 http://www.panopticsolutions.com/ info@panopticsolutions.com

Show notes For seasoned business travellers the notion of safety and security while travelling may seem like an unnecessary concern. Safety demonstrations by flight attendants are for the benefit of ‘others’ and, beyond that, all you need to worry about is keeping your belongings safe. Perhaps not. That may be the perception - indeed 99% of travels do occur without mishap - however, the consequences of misadventure are serious enough to warrant a little preparation. Just as our seatbelts are redundant for the vast majority of our car travels, when we actually need them, we’re glad that we took the trouble to put them on.   Episode highlights: If your business has a travel policy, now would be a good time to run through it to check that everything is covered in it. What you need to know about visas when travelling. Don’t be tempted to cut corners! The importance of booking your accommodation,transport and flights in advance. Ensure you have at least six months remaining on your passport. What questions you need to ask when booking a hotel. Scope out the locations of police stations and hospitals before you leave (much easier than doing so in an emergency) Find out the details of the embassy or consulate nearest your destination and carry these details on you. Makes them easier to find when needed and helps others get in touch with those important to you if you are out of action. What to do with your medications when travelling. Carry a dummy wallet on you. What is a grab bag and why do you need it? What you need to know about your travel insurance https://www.linkedin.com/in/troypanopticsolutions/ https://www.facebook.com/PanopticSolutions/ https://twitter.com/Panoptic01 http://www.panopticsolutions.com/ info@panopticsolutions.com

I’ve been in the corporate event marketing business for a little over 12 years now.  It’s a fun industry to be part of.  The thrill of a live event, being a part of a global product launch and traveling around the world can be very exciting. That life can also be quite draining on your relationship … Continue reading "6 Family First Tips for Business Travelers" The post 6 Family First Tips for Business Travelers appeared first on Marriage, Kids and Money.

Looking back over 10 years of TravelCommons

Looking back over 10 years of TravelCommons

Looking back over 10 years of TravelCommons

TechLaw10 hosts Jonathan Armstrong and Eric Sinrod discuss legal issues related to information technology. In this episode, Jonathan and Eric discuss the vulnerability of business travelers using hotel wifi to the "Dark Hotel" exploit.

Homewood Suites by Hilton Business Traveler B-Roll