Podcast appearances and mentions of katherine henry

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Katherine Henry of Bradley, Arant, Boult, Cummings, and Harold (Hal) Weston of Georgia State University, Greenberg School of Risk Science, who are here to discuss their new professional report, “A 2025 Cybersecurity Legal Safe Harbor Overview.” Katherine and Hal take the discussion beyond the pages and delve into best cybersecurity practices, cyber insurance, and Safe Harbor laws offered by some states and possibly to be offered soon by others. They discuss frameworks and standards, and what compliance means for your organization, partly based on your state law.   Listen for advice to help you be prepared against cybercrime.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by the authors of the legislative review, “A 2025 Cybersecurity Legal Safe Harbor Overview”, Katherine Henry and Harold Weston. Katherine and Harold are also prominent members of the RIMS Public Policy Committee. [:48] Katherine and Harold are also here to talk about Cybersecurity Awareness Month and safe practices. But first…  [:53] RIMS-CRMP Prep Workshops! The next RIMS-CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:05] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:23] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:37] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on the virtual workshops! [1:56] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:08] Several RIMS Webinars are being hosted this Fall. On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:28] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:40] Before we get on with the show, I wanted to let you know that this episode was recorded in the first week of October. That means we are amid a Federal Government shutdown. RIMS has produced a special report on “Key Considerations Regarding U.S. Government Shutdown.” [2:58] This is an apolitical problem. It is available in the Risk Knowledge section of RIMS.org, and a link is in this episode's show notes. Visit RIMS.org/Advocacy for more updates. [3:12] Remember to save March 18th and 19th on your calendars for the RIMS Legislative Summit 2026, which will be held in Washington, D.C. I will continue to keep you informed about that critical event. [3:24] On with the show! It's National Cybersecurity Awareness Month here in the U.S. and in many places around the world. Cyber continues to be a top risk among organizations of all sizes in the public and private sectors. [3:40] That is why I'm delighted that Katherine Henry and Harold (Hal) Weston are here to discuss their new professional report, “A 2025 Cybersecurity Legal Safe Harbor Overview”. [3:52] This report provides a general overview of expected cybersecurity measures that organizations must take to satisfy legal Safe Harbor requirements. [4:01] It summarizes state Safe Harbor laws that have been developed to ensure organizations are proactive about cybersecurity and that digital, financial, and intellectual assets are legally protected when that inevitable cyber attack occurs. [4:15] We are here to extend the dialogue. Let's get started! [4:21] Interview! Katherine Henry and Hal Weston, welcome to RIMScast! [4:41] Katherine was one of he first guests on RIMScast. Katherine is Chair of the Policyholder Insurance Coverage Practice at Bradley, Arant, Boult, Cummings. Her office is based in Washington, D.C. She works with risk managers all day on insurance issues. [5:05] Katherine has been a member of the RIMS Public Policy Committee for several years. She serves as an advisor to the Committee. [5:12] Justin thanks Katherine for her contributions to RIMS. [5:25] Hal is with Georgia State University. He has been with RIMS for a couple of decades. Hal says he and Katherine have served together on the RIMS Public Policy Committee for maybe 10 years. [5:48] Hal is a professor at Georgia State University, a Clinical Associate in the Robinson College of Business, Greenberg School of Risk Science, where he teaches risk management and insurance. Before his current role, Hal was an insurance lawyer, both regulatory and coverage. [6:05] Hal has a lot of students. He is grading exams this week. He has standards for his class. In the real world, so does a business. [6:46] Katherine and Hal met through the RIMS Public Policy Committee. They started together on some subcommittees. Now they see each other at the annual meeting and on monthly calls. [7:05] Katherine and Hal just released a legislative review during RIMS's 75th anniversary, “A 2025 Cybersecurity Legal Safe Harbor Overview”. It is available on the Risk Knowledge page of RIMS.org. [7:20] We're going to get a little bit of dialogue that extends beyond the pages. [7:31] Katherine explains Safe Harbor: When parties are potentially liable to third parties for claims, certain states have instilled Safe Harbor Laws that say, If you comply with these requirements, we'll provide you some liability protection. [7:45] Katherine recommends that you read the paper to see what the laws are in your state. The purpose of the paper is to describe some of those Safe Harbor laws, as well as all the risks. [8:04] October 14th, the date this episode is released, is World Standards Day. Hal calls that good news. Justin says the report has a correlation with the standards in the risk field. [8:43] Justin states that many states tie Safe Harbor eligibility to frameworks like NIST, the ISO/IEC 27000, and CIS Controls. [9:27] Hal says, There are several standards, and it would be up to the Chief Information Security Officer to guide a company on which framework might be most appropriate for them. There are the NIST, UL, and ISO, and they overlap quite a bit. [9:56] These are recognized standards. In some states, if a company has met this standard of cybersecurity, a lawsuit against the company for breach of its standard of care for maintaining its information systems would probably be defensible for having met a recognized standard. [10:23] Katherine adds that as risk managers, we can't make the decision about which of these external standards is the best. Many organizations have a Cybersecurity Officer responsible for this. [10:44] For smaller organizations, there are other options, including outsourcing to a vendor. Their insurance companies may have recommendations. So you're not on your own in making this decision. [11:14] Katherine says firms should definitely aim for one recognized standard. Katherine recommends you try to adhere to the highest standard. If you are global, you need to be conscious of standards in other countries. [11:46] Hal says California tends to have the highest standards for privacy and data protection. If you're a financial services company, you're subject to New York State's Department of Financial Services Cyber Regulation. [12:02] If you're operating in Europe, GDPR is going to be the guiding standard for what you should do. Hal agrees with Katherine: Any company that spans multiple states should pick the highest standard and stick to that, rather than try to implement five or 52 standards. [12:23] When you're overseas, you may not be able to just pick the highest standard; there are challenges in going from one country or region of Europe back to the U.S. If one is higher, it will probably be easier. [12:38] There are major differences between the U.S., which has little Federal protection, vs. state protection. [13:10] Katherine says if you don't have the internal infrastructure, and you can't afford that infrastructure, the best thing is to pivot to an outside vendor. There are many available, with a broad price range. Your cyber insurer may also have some vendors they already work with. [13:40] Hal would add, Don't just think about Safe Harbors. That's just a legal defense. Think about how you reduce the risk by adopting standards or hiring outside firms that will provide that kind of risk protection and IT management. [13:59] If they're doing it right, they may tell you the standards they use, and they may have additional protocols, whether or not they fall within those standards, that would also be desirable. A mid-sized firm is probably outsourcing it to begin with. [14:21] They have to be thinking about it as risk, rather than just Safe Harbor. You have to navigate to the Safe Harbor. You don't just get there. [14:31] Quick Break! RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by October 30th! [14:50] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by October 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [15:03] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [15:16] The RIMS Legislative Summit 2026 is mentioned during today's episode. Be sure to mark your calendar for March 18th and 19th in Washington, D.C. Keep those dates open. [15:28] Join us in Washington, D.C., for two days of Congressional Meetings, networking, and advocating on behalf of the risk management community. Visit RIMS.org/Advocacy for more information and updates.  [15:41] Let's return to our interview with Katherine Henry and Hal Weston! [15:54] We're talking about their new paper, “A 2025 Cybersecurity Legal Safe Harbor Overview”. Katherine mentions that some businesses are regulated. They have to comply with external regulatory standards. [16:38] Other small brick-and-mortar businesses may not have any standards they have to comply with. They look for what to do to protect themselves from cyber risk, and how to tell others they are doing that. [16:54] If you can meet the standards of Safe Harbor laws, a lot of which are preventative, before a breach, you can inform your customers, “These are the protections we have for your data.” You can tell your board, “These are the steps we're taking in place.” [17:13] You can look down the requirements of the Safe Harbor law in your state or a comparable state, and see steps you can take in advance so you can say, “We are doing these things and that makes our system safer for you and protects your data.” [17:34] Hal says you don't want to have a breach, and if you do, it would be embarrassing to admit you were late applying a patch, implementing multi-factor authentication, or another security measure. By following standards of better cyber protection, you avoid those exposures. [18:07] Hal says every company has either been hacked and knows it, or has been hacked and doesn't know it. If you're attacked by a nation-state that is non-preventable, you're in good shape. [18:26] If you're attacked because you've left some ports open on your system, or other things that are usually caught in cybersecurity analyses or assessments, that's the embarrassing part. You don't want to be in that position. [18:43] Katherine says it's not just your own systems, but if you rely on vendors, you want to ensure that the vendors have the proper security systems in place so that your data, to the extent that it's transmitted to them, is not at risk. [19:07] Also, make sure that your vendors have cyber insurance and that you're an additional insured on that vendor's policy if there's any potential exposure. [19:22] Hal says If you're using a cloud provider, do you understand what the cloud provider is doing? In most cases, they will provide better security than what you could do on your own, but there have been news stories that even some of those have not been perfect. [20:22] Hal talks about the importance of encryption. It's in the state statutes and regulations. There have been news stories of companies that didn't encrypt their data on their servers or in the cloud, and didn't understand encryption, when a data breach was revealed. [20:52] Hal places multi-factor authentication up with encryption in importance. There was a case brought against a company that did not have MFA, even though it said on its application on the cyber policy that the company used it. [21:13] Hal says these are standard, basic things that no company should be missing. If you don't know that your data is encrypted, get help fast to figure that out. [21:51] Hal has also seen news stories of major companies where the Chief Technology Officer has been sued individually, either by the SEC or others, for not doing it right. [22:07] Katherine mentions there are insurance implications. If you mistakenly state you're providing some sort of protection on your insurance application that you're not providing, the insurer can rescind your coverage, so you have no coverage in place at all. [22:23] Katherine says, These are technical safeguards, but we know the human factor is one of the greatest risks in cybersecurity. Having training for everyone who has access to your computer system, virtually everyone in your organization, is very important. [22:49] Have a test with questions like, Is this a spam email or a real email? There are some vendors who can do all this for you. Statistics show that the human element is one of the most significant problems in cybersecurity protection. [23:05] Justin says it's October, Cybersecurity Awareness Month in the U.S. Last week's guest, Gwenn Cujdik, the Incident Response and Cyber Services Lead for North America at AXA XL, said the number one cyber risk is human error, like clicking the phishing link.  [23:45] Justin brings up that when he was recently on vacation, he got an email on his personal email account, “from his CEO,” asking him to handle something for them. Justin texted somebody else at RIMS, asking if they got the same email, and they hadn't. [24:14] Justin sent the suspect email to the IT director to handle. You have to be vigilant. Don't let your guard down for a second. [24:48] Katherine has received fake emails, as well. [24:51] Hal says it has happened to so many people. Messages about gift cards or the vendor having a new bank account. Call the vendor that you know and ask what this is. [25:12] Hall continues. It's important to train employees in cybersecurity, making sure that they are using a VPN when they are outside of the office, or even a VPN that's specific to your company. [25:32] Hal saw in the news recently that innocent-looking PDF files can harbor lots of malware. If you're not expecting a PDF file from somebody, don't click on that, even if you know them. Get verification. Start a new thread with the person who sent it and ask if it is a legitimate PDF. [26:08] Justin says of cybercriminals that they are smart and their tactics evolve faster than legislation. How can organizations anticipate the next generation of threats? [26:34] Katherine says, You need to have an infrastructure in your organization that does that, or you need to go to an outside vendor. You need some sort of protection, internally or externally. [27:11] Katherine says she works with CFOs all the time. If an organization isn't large enough to have a risk manager, it's a natural fit for the CFO, who handles finances, to handle insurance. When it comes to cybersecurity, a CFO needs help. [27:46] The CFO should check the cyber policy to see what support services are already there and see if there are any that are preventative, vs. after a breach. If there are not, Katherine suggests pivoting to an outside vendor. [28:07] Hal continues, This interview is for RIMS members who are risk managers and the global risk community. Risk managers don't claim to know all the risk control measures throughout a company. They rely upon the experts in the company and outside. [28:29] If the CFO is the risk manager, he or she has big gaps in expertise needed for risk management. It's the same for the General Counsel running risk management. Risk managers are known for having small staffs and working with everybody else to get the right answers. [28:55] If you're dealing with the CFO or General Counsel in those roles, they need to be even more mindful to work with the right experts for guidance. [29:09] One Final Break! As many of you know, the RIMS ERM Conference 2025 will be held on November 17th and 18th in Seattle, Washington. We recently had ERM Conference Keynote Speaker Dan Chuparkoff on the show. [29:26] He is back, just to deliver a quick message about what you can expect from his keynote on “AI and the Future of Risk.” Dan, welcome back to RIMScast! [29:37] Dan says, Greetings, RIMS members and the global risk community! I'm Dan Chuparkoff, AI expert and the CEO of Reinvention Labs. I'm delighted to be your opening keynote on November 17th at the RIMS ERM Conference 2025 in Seattle, Washington. [29:52] Artificial Intelligence is fueling the next era of work, productivity, and innovation. There are challenges in navigating anything new. This is especially true for risk management, as enterprises adapt to shifting global policies, economic swings, and a new generation of talent. [30:10] We'll have a realistic discussion about the challenges of preparing for the future of AI. To learn more about my keynote, “AI and the Future of Risk Management,”  and how AI will impact Enterprise Risk Management for you, listen to my episode of RIMScast at RIMS.org/Dan. [30:29] Be sure to register for the RIMS ERM Conference 2025, in Seattle, Washington, on November 17th and 18th, by visiting the Events page on RIMS.org. I look forward to seeing you all there. [30:40] Justin thanks Dan and looks forward to seeing him again on November 17th and hearing all about the future of AI and risk management! [30:48] Let's Conclude Our Interview about Navigating Cyber and IT Practices to Legal Safe Harbors with Katherine Henry and Hal Weston! [31:17] Katherine tells about how Safe Harbor compliance influences cyber insurance. If your organization applies for cyber insurance and you can't meet some minimum threshold that will be identified on the application, the insurer will not even offer you cyber insurance. [31:34] You need to have some cyber protections in place. That's just to procure insurance. Cyber insurance availability is growing. Your broker can bring you more insurers to quote if you can show robust safeguards. [32:05] After the breach, your insurer is supposed to step in to help you. Your insurer will be mindful of whether or not your policy application is correct and that you have all these protections in place. [32:21] The more protections you have, the quicker you might be able to shut down the breach, and the resulting damage from the breach, and that will lower the resulting cost of the claim and have less of an impact on future premiums. [32:36] If the cyber insurer just had to pay out the limits because something wasn't in place, that quote next year is not going to look so pretty. Your protections have a direct impact on both the availability and cost of coverage. [32:50] Justin mentions that the paper highlights Connecticut, Tennessee, Iowa, Ohio, Utah, and Oregon as the states with Safe Harbor laws. The Federal requirements are also listed. Katherine expects that more states will offer Safe Harbor laws as cybercrime lawsuits increase. [33:42] Hal says Oregon, Ohio, and Utah were the leaders in creating Safe Harbors. Some of the other states have followed. Safe Harbor is a statutory protection against liability claims brought by the public. [34:06] In other states, you can't point to a statute that gives protection, but you can say you complied with the highest standards in the nation, and you probably have a pretty defensible case against a claim for not having kept up with your duty to protect against a cyber attack. [34:55] Hal adds that every company is going to be sued, and the claim is that you failed to do something. If you have protected yourself with all the known best practices, as they evolve, what more is a company supposed to do? [35:18] The adversaries are nation-states; they are professional criminals, sometimes operating under the protection of nation-states, and they're using artificial intelligence to craft even more devious ways to get in. [36:19] Katherine speaks from a historical perspective. A decade ago, cyber insurance was available, but there was no appetite for it. There wasn't an understanding of the risk. [36:32] As breaches began to happen and to multiply, in large amounts of exposure, with companies looking at millions of dollars in claims, interest grew. Katherine would be surprised today if any responsible board didn't take cyber risk extremely seriously. [36:55] The board's decision now is what limits to purchase and from whom, and not, “Should we have cyber insurance at all?” Katherine doesn't think it's an issue anymore in any medium-sized company. [37:17] The risk manager should present to the board, “We benchmark. Our broker benchmarks. Companies of our size have had this type of claim, with this type of exposure, and they've purchased this amount of limits. We need to be at least in that place.” Boards will be receptive. [37:43] If they are not receptive, put on a PowerPoint with all the data that's out there about how bad the situation is. The average cost of a breach is well over $2 million. The statistics are quite alarming. A wise decision-maker will understand that you need to procure this coverage. [38:10] Katherine says, from the cybersecurity side, you procure the coverage, you protect the company, and take advantage of the Safe Harbors. All of those things come together with the preventative measures we've been talking about. [38:24] You can show your decision-makers and stakeholders that if you do all those things, comply with these Safe Harbor provisions, you're going to minimize your exposure, increase the availability of insurance, and keep your premiums down. It's a win-win package. [38:41] Justin says, It has been such a pleasure to meet you, Hal, and thank you for joining us. Katherine, it is an annual pleasure to see you. We're going to see you, most likely, at the RIM Legislative Summit, March 18th and 19th, 2026, in Washington, D.C. [39:01] Details to come, at RIMS.org/Advocacy. Katherine, you'll be there to answer questions. Katherine looks forward to the Summit. She has gone there for years. It's a great opportunity for risk managers to speak directly to decision-makers about things that are important to them. [39:42] Special thanks again to Katherine Henry and Hal Weston for joining us here today on RIMScast! Remember to download the new RIMS Legislative Review, “A 2025 Cybersecurity Legal Safe Harbor Overview”. [39:58] We are past the 30-day mark now, so the review is publicly available through the Risk Knowledge Page of RIMS.org. You can also visit RIMS.org/Advocacy for more information. In this episode's notes, I've got links to Katherine's prior RIMScast appearances. [40:18] 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. [40:47] 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. [41:05] 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. [41:22] 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. [41:39] 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. [41:53] 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. [42:05] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Professional Report: “A 2025 Cybersecurity Legal Safe Harbor Overview” RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS ERM Conference 2025 — Nov. 17‒18 RISKWORLD 2026 — Members-only early registration through Oct 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Cybersecurity Awareness Month World Standards Day — Oct 14, 2025 Upcoming RIMS Webinars: RIMS.org/Webinars “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Appetite Management” | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “Fundamentals of Insurance” | Nov. 11‒12 | Instructor: Chris Hansen “Leveraging Data and Analytics for Continuous Risk Management (Part I)” | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Cyber and with Katherine Henry: “National Cybersecurity Awareness Month 2025 with Gwenn Cujdik” “AI Risks and Compliance with Chris Maguire” “Data Privacy and Protection with CISA Chief Privacy Officer James Burd” “Cyberrisk Trends in 2025 with Tod Eberle of Shadowserver” “Legal and Risk Trends with Kathrine Henry (2023)”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “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 “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   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 Kristen Peed!   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: Katherine Henry, Partner and Chair of the Policyholder Coverage Practice, Bradley, Arant, Boult, and Cummings   Harold Weston, Clinical Associate Professor and WSIA Distinguished Chair in Risk Management and Insurance, Georgia State University College of Law Production and engineering provided by Podfly.  

Even before Henry VIII succumbed to pressure and wedded Anne of Cleves, his attentions had turned to another lady at his court, Katherine Howard. The romance was supported by her uncle, the Duke of Norfolk, who had been trying to win back Henry's good graces ever since another one of his nieces, Anne Boleyn, had been dispatched in a Cromwellian conspiracy a few years earlier. Norfolk was clearly having a run of bad luck though, because it turns out that the teenaged Katherine - Henry was pushing 50 when all this got started - had been poorly used by a music teacher at the boarding home where she had been sent because of her family's deep poverty, and had been intimate with an age-appropriate boyfriend before being sent to Henry's court to serve as a lady-in-waiting. None of which was known to Henry when he finally wed her on July 28, 1540, the same day that he had Thomas Cromwell executed. The honeymoon was not to last, however, as by the following spring, Katherine was sharing the affections of royal counselor Thomas Culpeper, whose secret assignations with the queen were being facilitated by Jane Boleyn, Katherine's lady-in-waiting and the widow of George Boleyn, who had been executed with Anne. Everything went disastrously, of course, and Katherine Howard and Jane Boleyn were executed on the Tower Green on February 13, 1542, a few months after Culpeper and her boarding house boyfriend had experienced the same fate at the Guildhall. Listen ad-free at patreon.com/trashyroyalspodcast. To advertise on this podcast, reach out to info@amplitudemediapartners.com. Sources Jane Boleyn: The Infamous Lady Rochford, by Julia Fox (amazon.com) Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode - IT'S GAME WEEK for LOVB and we are talking with the Head of Pro Health and Wellness Katherine Henry TOPICS COVERED 1- Katherine shares what LOVB is doing in it's inaugural season to make this special for players- coaches and the fans> 2. Katherine discuss as the Head of Pro Health and Wellness the various things she is in charge of and how all parties are working together for the best experience for the players. 3. We talk about the culture and mission of LOVB. 4 We discuss the excitement having the best players in the world here playing in the US and the competitive nature of the athletes. 5. Katherine shares her Get Your Edge advice. If you enjoy the podcast please share it with your athletes- teachers- parents and other coaches. Help us grow our GET YOUR EDGE community and share the podcast as we try and share the message of LOVB! #chop-it LOVB Website www.lovb.com Instagram @LOVB Madison team Instagram and X @lovbmad GET YOUR EDGE PODCAST Instagram and X- @getyouredgepod Dean Contact www.foxvalleythrowsclub.com Instagram and X- @foxvalleythrows Brian Contact www.sportsadvantedge.com Instagram- @sportsadvantedge / @brianbott23 X- @botter23 / @sportadvantedgeappleton Email- Brian@sportsadvantedge.com Graphics and Logo- Bailey Marash Instagram and X- @bmarasch13 #foxvalleythrows #getyouredge #sportsadvantedge #hardwork #athlete #makernation #foxvalley #fireit #feedthecats #loadthedawgs #LOVB #volleyball #LOVBMAD #Madison

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   We're kicking off the new year with an interview with RIMS CEO Gary LaBranche. We look back on 2023, with almost 10,000 attending RISKWORLD 2023, and how RIMS reacted in a dangerous crisis, but mostly ahead to what's in store for 2024. This includes Riskworld 2024 in San Diego, CA with its “infinite opportunities,” greatly expanded space for DEI, innovative keynote Peter Diamandis, and developments with the RIMS-CRMP, growing by roughly 20% yearly. Listen in to CEO Gary LaBranche's plans for chapters, what he foresees for AI in insurance and risk management, and more.   Key Takeaways: [:01] About RIMScast. [:14] Public registration for RISKWORLD 2024 is now open. Explore infinite opportunities with RIMS from May 5th through May 8th, 2024, in San Diego, California. Register at RIMS.org/riskworld. [:30] About today's episode of RIMScast. It's our first episode of 2024 and we will be rejoined by RIMS CEO Gary LaBranche. [:52] The RIMS-CRMP is the only competency-based risk management credential. That matters because earning the certification shows employers and recruiters that you have the skills necessary to manage risk and create value for your organization. [1:08] Several Exam Prep virtual workshops are coming up, starting on January 13th, 20th, and 27th, 2024, the RIMS-CRMP Exam Virtual Workshop will be presented in conjunction with Conrad Clark Nigeria. [1:26] The RIMS-CRMP-FED Exam Prep Virtual Workshop will be held on January 30th and February 1st. That's a two-day course. Visit the certification page on RIMS.org for more information. A link is on this episode's show notes. [1:44] RIMS is gearing up for awards season. At RISKWORLD 2024, we will honor individuals, organizations, and chapters for their outstanding achievements in risk management. If you know someone who is truly making an impact on the risk profession and paving the way for future generations, consider drafting a nomination! [2:02] The deadline to submit award nominations is Friday, January 5th, 2024. Last call for nominations! A link to the awards applications and guidelines page is in the show notes. Go to RIMS.org's About Us page and see the awards link there. Nominations for Risk Manager of the Year have closed; other awards might appeal to you or a friend. [2:33] The first episode of 2024 kicks off with a dialog with RIMS CEO Gary LaBranche. Gary is here to discuss some of the things that went really well for us in 2023, challenges that became opportunities, a preview of RISKWORLD 2024, and other fantastic opportunities for the greater risk management community and risk profession. [3:15] Justin introduces RIMS CEO Gary LaBranche and welcomes Gary back to RIMScast for the first episode of 2024! Gary compliments Justin for the diversity of guests and notes that the RIMScast audience is just exploding!  [4:14] In the next two weeks, we're going to hear Sacha Coburn from New Zealand, the CEO of Coffee Culture, and on January 16, FERMA CEO Typhaine Beaupérin will be on the show. [4:42] In February, Gary goes to New Zealand to participate in the New Zealand conference. On the same trip, he will stop by the Australia chapter, and then go to Singapore, where he will meet with RIMS-CRMP holders before making his way home. [5:05] In October, Gary will attend the FERMA (Federation of European Risk Management Associations) meeting in Madrid. The FERMA President is Charlotte Hedemark, a RIMS-CRMP holder. [5:47] Gary discusses 2023, his first full year leading RIMS. It's been fun, challenging, and a learning adventure. Gary had come to RIMS in June 2022 from the Investor Relations Society, and at first, coming up to speed was like drinking from a firehouse. In 2023, he felt he could slow down from sprinting all day to jogging at an even pace. [7:31] Gary says RISKWORLD 2023 was wild. If you've never been, you don't fully appreciate the energy, the size, and the scope of it, with almost 10,000 attending, and amazing sponsors and exhibiting partners. It was fun, exciting, and engaging. As CEO, Gary was running around, meeting, greeting, and speaking for about 16 hours a day. [9:08] Getting so many people together in person, fully engaged in learning, networking, and doing business, was a blast. [9:40] Justin fills in the audience about the active shooter situation a couple of miles away at the close of the conference and prevented the closing keynote speaker from coming in. Gary LaBranche and the RIMS leadership handled things really well on what should be locked down. They turned the experience into an educational opportunity. [10:44] About two-and-a-half miles away, in mid-town Atlanta, four women were shot, and another woman was killed in a shooting. No one affiliated with RISKWORLD or RIMS was involved. [11:24] Police put up a security perimeter to apprehend the shooter and extract and treat the injured. The perimeter included four of the 32 hotels where RISKWORLD guests were staying and two of the eight shuttle bus routes were shut down. Gary tells of conflicting reports about the shooter at the time of the shutdown. [13:10] They decided to cancel the closing general session and the famous closing party, out of concern for safety and out of respect for the families of the shooting victims. The gunman was not apprehended for eight hours. [14:02] Immediately after the incident, RIMS leadership began a detailed, comprehensive after-action report and analysis. They wanted to understand what they did right, what they could have done better, and what they wanted to do differently in the future. They had executed their 72-page crisis management plan but they learned it wasn't enough. [14:33] As a result, RIMS officers Gary LaBranche, Stuart Ruff-Lyon, and Josh Salter have spoken at the ASAE meeting, the Expo! Expo!, a U.S. Chamber gathering of association CEOs, and the Professional Convention Management Association in San Diego on the same topic, sharing their after-action analysis, and what they did outside of the plan. [15:50] They will continue to speak on the analysis. RIMS is producing a convention safety toolkit later this year; a guideline of best practices for convention and event safety to take care better of the hundreds of thousands of people who attend association and other events and meetings throughout the year. [16:33] RIMS plug time! RIMS Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. On January 16th and 17th, 2024, our friend and former RIMS president Chris Mandel will lead a two-day course, Captives as an Alternate Risk Financing Technique. [16:54] On January 23rd and 24th, our friend Gail Kyomura will return to host Fundamentals of Insurance. Information about these workshops and others is on the RIMS Virtual Workshops page and a link to the full calendar is in this episode's notes. [17:10] On January 4th, RIMS's Public Policy Committee will explore Nevada's “Defense Within The Limits” Ban. Katherine Henry of Bradley Arant was on RIMScast on a prior episode. She will be one of the co-presenters of that session. [17:28] On January 16th, RIMS will present How Risk Managers Can Combat Human Trafficking In 2024. I'll be hosting that session and will be joined by three expert panelists. I'm really looking forward to delivering this session and reaching you all. [17:43] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [17:56] A quick shoutout to our friends at the Spencer Educational Foundation, which funds the education of next-generation risk management and insurance talent. Spencer's scholarships program is open but coming to a close on January 31st for undergraduate and graduate students and on March 1st for Ph.D. applicants. [18:15] Also, Spencer's course development grant cycle is entertaining submissions through February 15th. Students and risk management and insurance faculty with interest can visit Spencered.org for additional details. [18:30] Gary LaBranche will be appearing at Embrace The Unknown: Unleashing the Power of Risk, a day-long event in Auckland, New Zealand, on February 12th, 2024, hosted by the RIMS New Zealand & Pacific Island Chapter. It will be a lot of fun and very informative. Innovation, technology, AI, and more will be explored. [18:54] We had one of the speakers, Dr. Gav Schneider, on the show recently, and we had New Zealand chapter president Kerry Bakkerus on with us recently. Later this month, we will also be joined by Coffee Culture CEO Sacha Coburn who will be a speaker there, as well. Registration is still open. The link is on this episode's show notes. [19:24] The keynote speaker for RISKWORLD 2024 will be Peter Diamandis. Gary is a big fan. Peter has challenged Silicon Valley, tech in general, and entrepreneurs to push the envelope of innovation. He founded the X Prize Foundation to incentivize “moonshot” thinking in space travel and environmental and other kinds of activity. [20:43] Peter Diamandis is an advisor to many of the biggest names in tech and is highly respected. With Steven Kotler, he wrote Abundance: The Future Is Better Than You Think. Gary calls Abundance one of the most fascinating books about the future and why it is better than you think it will be; with innovations that can make the world a better place. [21:41] Gary highly recommends reading Abundance and coming to San Diego in May to see and hear Peter Diamandis. Justin asks Gary to get Peter Diamandis on RIMScast! [22:15] DEI will have an expanded presence at RISKWORLD 2024. It won't just be a lounge. The lounge space in 2023 was insufficient for how popular it was and the conversations that were held there. This year, it will have a theater. There will be a DEI reception to explore and celebrate the diversity that we so warmly embrace. [23:17] Justin and Gary list some of the DEI advocacy groups that will be represented at RISKWORLD 2024. Their involvement is meaningful to RIMS and meaningful to the diverse communities. We need to work to enhance equity, inclusion, and diversity. [24:29] Looking to the future, there will be a fight for talent in a wave of retirement. Attracting and retaining the best and the brightest in this field will become more important than ever. It's all hands on deck. We have to pursue every viable and reasonable strategy. [24:59] Justin and Gary discuss the momentum of the RIMS-CRMP. RIMS-CRMP is RIMS's fastest-growing program. There will be 1,200 certification holders in 2024, in 40+ countries. It's growing roughly 20%, yearly. It is the only ANSI-accredited global risk management certification. RIMS announced a collaboration with PARIMA in 2023. [26:15] Household name companies are now bringing RIMS-CRMP courses to their employees, 50 at a time. That's helping to grow the program and raise awareness of it. [27:04] RIMS Membership is growing. It declined during the COVID-19 pandemic when chapters couldn't meet. It's not quite back to pre-pandemic levels but it's getting close. RIMS grew about 10% in 2023. That is very exciting. Chapters are getting back online and back to their business of bringing people together. [27:54] RIMS launched a program in 2023 to help provide higher-quality websites for the branches. About 30 chapters have accepted this free program. That will continue to grow in 2024. RIMS provides a management infrastructure for chapters to help with administrivia. Running a chapter is a lot of work. All chapters run on volunteer effort. [30:39] As we re-emerge from the height of the pandemic, Justin and Gary agree that the future of the chapters is looking bright with face-to-face and digital presence. Gary hints at interesting programming ahead. Trying to skate to where the puck is going to be is a challenge for any organization, especially for large organizations. [31:25] At RISKWORLD 2024 in San Diego, they are dedicating an entire stream of programming sessions to AI, which will be the big game changer for insurance management and risk management. It's already starting to impact the way insurance is analyzed and priced, and how worker's compensation claims are managed. [32:11] We all owe it to ourselves to continue to monitor and learn about Generative AI and, generally speaking, other forms of large language models. I think it's going to be critical for us, going forward. [32:28] Thanks to RIMS CEO Gary LaBranche for rejoining us on the first 2024 episode of RIMScast! [32:37] RISKWORLD 2024 will be held from May 5th through May 8th in San Diego, California. Learn all about the infinite opportunities to be had at RISKWORLD by visiting RIMS.org/riskworld. The link is in the show notes. [32:52] Go to the App Store and download the RIMS App. This is an exclusive members-only benefit with all sorts of RIMS resources and coverage. Everybody loves the RIMS App! [33:19] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [34:02] 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. The RIMS app is a benefit of RIMS membership and is available only for RIMS members! You can find it in the App Store. [34:28] 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. [34:44] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [35:06] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: Riskworld 2024 — San Diego, CA | May 5–8, 2024 RIMS Riskworld Award Nominations — Jan. 5, 2024, is the deadline to submit nominations! RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Spencer Educational Foundation Spencer Educational Foundation — Grants Page Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 Dan Kugler Risk Manager on Campus Grant RIMS Webinars: Nevada's “Defense Within The Limits” Ban Explored | Presented by RIMS Public Policy Committee | Jan. 4, 2024 How Risk Managers Can Combat Human Trafficking In 2024 | Presented by RIMS | Jan. 16, 2024 RIMS.org/Webinars Upcoming Virtual Workshops: See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “2023 Risk Year In Review with RIMS Risk Management Magazine Leaders Morgan O'Rourke and Hilary Tuttle” “Legal and Risk Trends with Katherine Henry” “Solving Wicked Problems with Dr. Gav Schneider” “RIMS Global Perspectives with 2023 RIMS chapter presidents featuring Kerry Bakkerus” “RIMS Public Policy and Advocacy 2023” “Strategic Moves with RIMS CEO Gary LaBranche” (2023) “Taking the ‘Next Steps' with NAAIA Executive Director and COO Omari Jahi Aarons” (2023) “Risk Insight with AAIN Leadership” (2023) “Introducing RIMS CEO Gary LaBranche” (2022) Sponsored RIMScast Episodes: “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response (New!) Cyclone Season: Proactive Preparation for Loss Minimization | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL   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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests   Kerry Bakkerus — President of the RIMS New Zealand and Pacific Island Chapter. Morgan O'Rourke and Hilary Tuttle — The leaders of the RIMS flagship publication, Risk Management Magazine.   Tweetables (Edited For Social Media Use): It's exhausting, is what the year 2023 was! It's been fun, it's been challenging, it's been exciting, it's been a learning adventure! — Gary LaBranche   Immediately after the shooting incident, we began a very detailed, comprehensive, thorough after-action report and analysis because we wanted to understand what we did right, what we could have done better, and what we wanted to do differently in the future. — Gary LaBranche   We all owe it to ourselves to continue to monitor and learn about Generative AI and, generally speaking, other forms of large language models. I think it's going to be critical for us, going forward. — Gary LaBranche

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews Kerry Bakkerus, President of the RIMS New Zealand and Pacific Island Chapter, and Morgan O'Rourke and Hilary Tuttle, the leaders of the RIMS flagship publication, Risk Management Magazine. Kerry Bakkerus previews the RIMS New Zealand & Pacific Island Branch hosted conference, Embrace The Unknown: Unleashing the Power of Risk. Morgan O'Rourke and Hilary Tuttle review the year in risk 2023 and suggest what might be coming in the year in risk 2024, without offering precise predictions. They also speak of their journey putting together the final print edition of RIMS Risk Management Magazine, and describe the digital online future of the magazine.   Listen in for an informative end-of-year wrap-up. We'll be back in January 2024.   Key Takeaways: [:01] About RIMScast. [:14] Public registration for RISKWORLD 2024 is now open. Explore infinite opportunities with RIMS from May 5th through May 8th, 2024, in San Diego, California. Register at RIMS.org/riskworld. [:31] About today's episode of RIMScast. We will be joined by the editorial leaders of Risk Management Magazine to look back on the year in risk, 2023, and what's coming up in 2024, plus a visit from the president of the RIMS New Zealand / Pacific Island Chapter. [1:01] The RIMS-CRMP is the only competency-based risk management credential. That matters because earning the certification shows employers and recruiters that you have the skills necessary to manage risk and create value for your organization. [1:17] Several Exam Prep virtual workshops are coming up, starting on January 13th, 20th, and 27th, 2024, the RIMS-CRMP Exam Virtual Workshop will be presented in conjunction with Conrad Clark Nigeria. [1:35] The RIMS-CRMP-FED Exam Prep Virtual Workshop will be held on January 30th and February 1st. That's a two-day course. Visit the certification page on RIMS.org for more information. A link is on this episode's show notes. [1:52] RIMS is gearing up for awards season. At RISKWORLD 2024, we will honor individuals, organizations, and chapters for their outstanding achievements in risk management. If you know someone who is truly making an impact on the risk profession and paving the way for future generations, consider drafting a nomination! [2:11] The deadline to submit award nominations is Friday, January 5th, 2024. A link to the awards applications and guidelines page is in this episode's show notes. Go to RIMS.org's About Us page and see the awards link there. Nominations for Risk Manager of the Year have closed but other awards might appeal to you or a friend. [2:39] I recently caught up with my friend Kerry Bakkerus, President of the RIMS New Zealand and Pacific Island Chapter. On February 12th, 2024, The RIMS New Zealand & Pacific Island Chapter will be hosting a day-long event in Auckland, called Embrace The Unknown. It's all about innovation, technology, AI, and more. [3:04] You may remember from a recent episode of RIMScast, Dr. Gav Schneider from The Center for the Study of Wicked Problems. He will be there along with Sacha Coburn, CEO of Coffee Culture. She is an upcoming guest for January. [3:20] Kerry Bakkerus is here to tell us all about the event and why it's going to stand out from many others. Kerry, welcome back to RIMScast! Embrace the Unknown: Unleashing the Power of Risk will be held on February 12th at the Pullman Hotel in Auckland, New Zealand. It is hosted by the RIMS New Zealand & Pacific Island Chapter. [4:01] It has been an interesting journey to organize the conference. They decided to use ChatGPT as much as they could. Kerry asked ChatGPT for a great title for a risk conference. That's how they got the title. She asked ChatGPT “What's a great agenda for a risk conference?” The agenda was inspired by the agenda developed by ChatGPT. [4:36] The content on the website for the conference was delivered by ChatGPT. They used technology as much as possible to support the conference. There are exciting tech things planned for the day of the conference. [5:44] Kerry looked for speakers to bring inspirational content and thought leadership. They were mindful of content and speakers about which people would be able to say they learned something they can apply day-to-day, including leadership skills. They wanted a variety of interesting speakers. Kerry is excited to hear each one. [6:58] Registration for the conference is open now and Kerry asks you to register now, to give the organizers time to prepare. The conference agenda addresses how technology and innovation are going to drive work as we know it. Topics range from macro to micro. Special thanks to Terry Bakkerus for rejoining us on RIMScast. [8:45] Register today for Embrace The Unknown: Unleashing the Power of Risk, a day-long event in Auckland, New Zealand. The link is in this episode's show notes. [8:55] RIMS plug time! RIMS Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. On January 16th and 17th, 2024, our friend and former RIMS president Chris Mandel will lead a two-day course, Captives as an Alternate Risk Financing Technique. [9:17] On January 23rd and 24th, our friend Gail Kyomura will return to host Fundamentals of Insurance. Information about these workshops and others is on the RIMS Virtual Workshops page and a link to the full calendar is in this episode's notes. Check it out and register! [9:33] On January 4th, RIMS's Public Policy Committee will explore Nevada's “Defense Within The Limits” Ban. Katherine Henry of Bradley Arant was on RIMScast on a prior episode. She will be one of the co-presenters of that session. [9:50] On January 16th, RIMS will present How Risk Managers Can Combat Human Trafficking In 2024. I'll be hosting that session and will be joined by three expert panelists. I'm really looking forward to delivering this session and reaching you all. [10:06] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [10:24] It is always fun when Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management Magazine join me for either the mid-year review or the end-of-the-year review. Since this is December, it's the end of the year in risk 2023. [10:39] Morgan and Hilary are here to tell us what is going on with risk management, where we might be going, and what's new in the world of Risk Management Magazine, itself that you need to know about. [10:52] Morgan O'Rourke and Hilary Tuttle, welcome back to RIMScast!  [11:41] Morgan talks about the fun of researching and producing the Year in Risk issue of Risk Management Magazine. It's the one feature that Morgan does during the year when he gets a byline. Morgan, Hilary, and Justin discuss some of the risks in 2023. [13:49] The times of the year are confusing for Morgan and Hilary because they are always writing a month or two ahead. [14:31] Data breaches are perennial. It isn't necessary to write an article about every breach. There were some interesting breaches but you have to get into the why of what makes them interesting. Hilary notes the collapse of the cryptocurrency exchange FTX. Corporate fraud or regulatory activity are hard to condense to 200 words. [18:20] Why did AI move to the number 4 risk this year from the number 14 risk last year? Morgan comments on the Biden Administration's sprawling policy on AI. AI is becoming an emerging risk. Hilary compares it to covering COVID-19 originally. [20:48] Risk Management Magazine is going all-digital. The December issue is the last print issue. It is part of the trend of how people consume media now. Being all digital provides the ability to include more content that is more responsive to news and current events. It's about speed. [22:07] Hilary notes that rather than having a publishing cycle, digital publishing is like everything, everywhere, all at once. She is always looking for content. Please feel free to reach out if you have any ideas to contribute. The website is RMMagazine.com. New articles go up regularly. They plan a quarterly digital issue. They will send out notices. [23:00] This is part of the new wave of being there more often for readers including newsletters and social media content. They are figuring out how to tell stories effectively in a shorter turnaround. They are actively soliciting feedback. [23:31] The magazine will receive submissions throughout the year. The magazine will be published on a continued rolling basis. It's the best way to stay ahead of the issues people are concerned with. Risk happens quickly and constantly. [25:37] About how COVID-19 or pandemics are being managed. We've gotten used to it. We are dangerously overlooking the public health risk. Hilary does not think there is a new normal for business response to COVID-19. We've found ways to live with the risk or to manage it the best we can. It's part of the fabric of living. Get your COVID shot. [29:50] About the term “polycrisis.” We are always in a polycrisis. We have to deal with many risks at once. It's not a new environment. Whatever you call it, manage the risks. [32:33] About predictions: In Risk Management Magazine of March 2020, in the list of emerging risks, there was no mention of COVID-19. Morgan says any prediction of risk is destined to fail. Hilary Tuttle notes that the cyber predictions she writes are consistently extremely accurate! [33:41] Generally speaking, things are going to happen! This was a mild hurricane year, but next year may not be. There will be extreme weather that may get more intense. New regulations will be released on data privacy or cybersecurity. There will be a lot of cyber issues. [34:50] Hilary speaks of connections to draw between risks. What didn't make this issue was a lot of line items around natural disasters. The many minor hurricanes we had were notable in atypical ways. Southern California had Hurricane Hilary, the first tropical storm there in 20 to 30 years. It was the first tropical storm warning ever issued there. [36:14] One of the hurricanes this year was the first Category 5 ever to hit Western Mexico. They were wholly unprepared for it. It was one of the most devastating storms Mexico has ever seen. Risk is increasingly impacting areas in ways that we haven't thought about. How will traditional risks impact untraditional areas or industries? [36:58] Morgan cites the wildfires in Canada that affected all of North America, not only the West Coast. The skies of New York were orange! [37:37] Justin compliments Morgan and Hilary on the fine job they did of getting the final print episode of Risk Management Magazine out. There is an exclusive digital issue with more resources available now online. The link is in this episode's show notes. [38:45] Special thanks to Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management Magazine for joining us on the year-end episode of RIMScast! Check out their work on RMMagazine.com. If you're a member, hold on to that final print edition of RIMS Risk Management Magazine. It might be a collector's item one day! [39:07] We're taking a brief break in December and then we'll return on January 2, 2024, with RIMS CEO Gary LaBranche. [39:15] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [39:39] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [40:22] 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. The RIMS app is a benefit of RIMS membership and is available only for RIMS members! You can find it in the App Store. [40:46] 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. [41:01] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [41:23] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: Riskworld 2024 — San Diego, CA | May 5–8, 2024 RIMS Riskworld Award Nominations — Jan. 5, 2024, is the deadline to submit nominations! RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Spencer Educational Foundation — Grants Page Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 Dan Kugler Risk Manager on Campus Grant RIMS Risk Management Magazine: ERM Special Edition 2023 RIMS Webinars: Nevada's “Defense Within The Limits” Ban Explored | Presented by RIMS Public Policy Committee | Jan. 4, 2024 How Risk Managers Can Combat Human Trafficking In 2024 | Presented by RIMS | Jan. 16, 2024 RIMS.org/Webinars Upcoming Virtual Workshops: See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops Related RIMScast Episodes: “Solving Wicked Problems with Dr. Gav Schneider” “Near-Misses Still Count – RIMS Risk Management Magazine Leaders” (July 2023) “RIMS Global Perspectives 2023 featuring Kerry Bakkerus” “Emerging Cyber Trends with Davis Hake of Resilience” “RIMS Public Policy and Advocacy 2023” “Strategic Moves with RIMS CEO Gary LaBranche” Sponsored RIMScast Episodes: “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response (New!) “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL   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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests   Kerry Bakkerus — President of the RIMS New Zealand and Pacific Island Chapter. Morgan O'Rourke and Hilary Tuttle — The leaders of the RIMS flagship publication, Risk Management Magazine.   Tweetables (Edited For Social Media Use): I asked ChatGPT, “What's a great agenda for a risk conference?” And so, the agenda is inspired by the agenda developed by ChatGPT. All the content and narratives on our website are also content delivered by ChatGPT. — Kerry Bakkerus   If you look at “The Year in RIsk, there are a lot of different things. The Biden Administration released an AI policy that's very sprawling. It covers just about everything that AI could touch but it's more like recommendations.— Morgan O'Rourke   One of the hurricanes this year was the first Category 5 ever to hit Western Mexico. They were wholly unprepared for it. It will be one of the most devastating storms that Mexico has ever seen. — Hilary Tuttle

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews Katherine Henry, Partner and Chair of the Policyholder Coverage Practice of Bradley, Arant, Boult, and Cummings in today's episode. Katherine will be one of the presenters in the January 4th RIMS webinar, Nevada's “Defense Within The Limits” Ban Explored. Justin and Katherine explore the risk trends of 2023 and what she expects from 2024. Next, they cover the upcoming webinar on Nevada's new liability insurance “Defense Within The Limits” ban, what the effects of the ban are, and how the ban is expected to spread to other states. Katherine concludes with how she and her co-presenter at the webinar, Mark Habersack, expect to elaborate on this topic.   Listen in for a professional perspective on risk trends for 2024.   Key Takeaways: [:01] About RIMScast. [:14] Public registration for RISKWORLD 2024 is now open. Explore infinite opportunities with RIMS from May 5th through May 8th, 2024, in San Diego, California. Register at RIMS.org/riskworld. [:31] In today's episode, we will be rejoined by our good friend, Katherine Henry, of the law firm Bradley, Arant, Boult, and Cummings, to discuss legal trends from 2023 and what risk managers should expect in 2024. [:58] The RIMS-CRMP is the only competency-based risk management credential. That matters because earning the certification shows employers and recruiters that you have the skills necessary to manage risk and create value for your organization. [1:14] Several Exam Prep virtual workshops are coming up, starting on December 13th and 14th with former RIMS president, Chris Mandel. On January 13th, 20th, and 27th, 2024, the RIMS-CRMP Exam Virtual Workshop will be presented in conjunction with Conrad Clark Nigeria. [1:37] The RIMS-CRMP-FED Exam Prep Virtual Workshop will be held on January 30th and February 1st. That's a two-day course. Visit the certification page on RIMS.org for more information. A link is on this episode's show notes. [1:54] RIMS is gearing up for awards season. At RISKWORLD 2024, we will honor individuals, organizations, and chapters for their outstanding achievements in risk management. If you know someone who is truly making an impact on the risk profession and paving the way for future generations, consider drafting a nomination! [2:13] The deadline to submit award nominations is Friday, January 5th, 2024. A link to the awards applications and guidelines page is in this episode's show notes. Go to RIMS.org's About Us page and see the awards link there. Nominations for Risk Manager of the Year have closed but other awards might appeal to you or a friend. [2:41] Katherine Henry is the Partner and Chair of the Policyholder Coverage Practice at Bradley, Arent, Boult, and Cummings, a national law firm. Katherine and I will discuss the trends that drove the legal and risk professions in 2023, what to expect in 2024, and Nevada's Defense Within the Limits ban that may set a precedent for other U.S. states. [3:12] Katherine is one of the two presenters of an upcoming RIMS webinar called Nevada's “Defense Within The Limits” Ban Explored, on January 4th, 2024 at 1:00 p.m. It will be presented by the RIMS Public Policy Committee. Register now, especially if you're a RIMS member! This is going to be a big deal for you! [3:37] Katherine Henry, welcome back to RIMScast! [4:25] Katherine says risk managers have been really busy in 2023. She thinks first of cyber risk and cyber insurance. Insurers are getting their hands around it and premiums have escalated. Risk managers are finding they have to bring in IT and other folks to answer the much more complex questions on cyber. The cost of breaches has gone up. [5:40] Katherine discusses recent big hacks. One of the biggest risks lies with your vendors. Insurers are looking at that when setting your premiums. [6:19] Another big problem in 2023 is supply chain. It has become more difficult to insure it. It is difficult to procure business interruption insurance. Many insurers have left this market. Risk managers deal with this by eliminating sole sourcing and JIT warehousing. You have to have more goods and more local warehouse space available. [7:55] AI is the next big risk on Katherine's mind. The National Association of Insurance Commissioners (NAIC) has been looking at AI for quite a few years and its impact on insurance. Insurers have implemented AI chat boxes in personal lines. For risk managers, the question is what are we going to see in commercial lines? [8:41] Insurers may be able to use AI to assess damages better and to move more quickly. Risk managers will be dealing more with computerized platforms than individuals in the underwriting process. That's a few years away. Because AI is being integrated into so many platforms, it's a liability insurance risk for organizations. [9:55] Climate change is another major concern Katherine has. We see its impacts on agriculture in what you can grow and where you can grow it. The effect on sea levels in ports is a concern. It will affect living conditions around the world. It will continue to be a high-level concern for risk managers. [10:42] Katherine brings up the wars as another big concern for risk managers. Events have been canceled because of protest risk. We don't know the eventual impact of the Israel and Hamas conflict. Russia has agricultural and oil risks. There is the risk of war with China and Taiwan. [11:29] Swine flu and pneumonia are concerns now. There are respiratory illnesses among children in China. Illnesses and protests present physical risks. [12:41] RIMS plug time! RIMS Virtual Workshops: Visit RIMS.org/virtualworkshops to see the full calendar. On January 16th and 17th, 2024, our friend and former RIMS president Chris Mandel will lead a two-day course, Captives as an Alternate Risk Financing Technique. [13:02] On January 23rd and 24th, our friend Gail Kyomura will return to host Fundamentals of Insurance. Information about these workshops and others is on the RIMS Virtual Workshops page. Check it out and register! [13:18] On December 12th, Prepare Yourself for the New Generation of Risk with Riskonnect. On December 14th, Aon will be Addressing Today's Risks While Preparing for the Risks of Tomorrow. On January 4th, RIMS's Public Policy Committee will explore Nevada's “Defense Within The Limits” Ban. That's why Kathy Henry joins us today. [13:44] On January 16th, RIMS will present How Risk Managers Can Combat Human Trafficking In 2024. I'll be hosting that session and will be joined by three expert panelists. I'm really looking forward to delivering this session and reaching you all. [14:00] Visit RIMS.org/Webinars to learn more about these webinars and to register! Links are in the show notes. Webinar registration is complimentary for RIMS members. [14:38] It's difficult for organizations to take a political stand. People come at them from both sides. They are also challenged when they don't take a position. It's hard for organizations to know the right position to take. That's an organizational risk. You can't please all the people all the time. [15:38] Runaway or out-of-control verdicts are a risk when you take a case to a jury. Something that should be resolved for $1 million or two could be a $40 million liability. Insurers are aware of this. Katherine warns risk managers to give notice to their tower of excess insurance when a risk comes up that could be subject to a “nuclear” verdict. [16:48] Justin brings up nuclear verdicts in connection with recent PFAS settlements. RIMS did a webinar about it a month ago. Very high settlements open the door for future litigation or actions. Justin reads from Reuters on November 26th about a U.S. appeals court ruling protecting 3M and other companies in PFAS litigation from a class action. [19:11] Katherine Henry will be co-hosting a webinar on January 4th, Nevada's “Defense Within The Limits” Ban Explored. Katherine Henry and Mark Habersack are going to explore this ban. [19:33] Katherine gives a high-level overview of the ban. There are two types of liability policies. One includes a defense that is outside the limits; other policies put the cost of defense inside the policy limits. A $5 million policy within the limits provides $5 million to pay defense and damages. [20:11] The Nevada legislature wrote a new law that every liability policy in Nevada must include defense outside of limits, so insurers have an unlimited obligation to defend you until the case is resolved. The Webinar will talk about what caused that to happen in Nevada, what the potential solutions are, and the potential implications around the U.S. [21:06] This legislation overturns the business relationship between insurers and insureds. Insureds will no longer be able to purchase less expensive defense within-limits policies. That change has immense financial consequences. Justin will be the host for that webinar. [21:30] The legislation sets a time for this change to occur. Businesses need time to place liability coverage. Risk managers's jobs have changed greatly from what they were 20 years ago when they were purchasing insurance and working with insureds. Now they're assessing their enterprise's risk. There will be a lot of work for 2024. [22:28] Justin thanks Katherine Henry for joining us. [22:42] Special thanks to Katherine Henry for joining us on RIMScast! You'll hear more from Katherine on January 4th, 2024 during the RIMS Webinar Nevada's “Defense Within The Limits” Ban Explored. She will be joined by former RIMS Nevada Chapter President, Mark Habersack. Register at RIMS.org/webinars and the link in the show notes. [23:07] Go to the App Store and download the RIMS App. This is a special members-only benefit. Everybody loves the RIMS App! [23:33] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate! Contact pd@rims.org for more information. [24:17] 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. The RIMS app is available only for RIMS members! You can find it in the App Store. [24:42] 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. [24:59] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com and in print, and check out the blog at RiskManagementMonitor.com. Justin Smulison is Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [25:21] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: Riskworld 2024 — San Diego, CA | May 5–8, 2024 RIMS Riskworld Award Nominations — Jan. 5, 2024, is the deadline to submit nominations! RIMS-Certified Risk Management Professional (RIMS-CRMP) NEW FOR MEMBERS! RIMS Mobile App Spencer Educational Foundation — Grants Page Embrace The Unknown: Unleashing the Power of Risk | Hosted Live & In-Person by RIMS NZ & PI | Feb. 12, 2024 Dan Kugler Risk Manager on Campus Grant RIMS Risk Management Magazine: ERM Special Edition 2023   RIMS Webinars: Prepare Yourself for the New Generation of Risk | Sponsored by Riskonnect | Dec. 12, 2023 Addressing Today's Risks While Preparing for Tomorrow | Sponsored by Aon | Dec. 14, 2023 Nevada's “Defense Within The Limits” Ban Explored | Presented by RIMS Public Policy Committee | Jan. 4, 2024 How Risk Managers Can Combat Human Trafficking In 2024 | Presented by RIMS | Jan. 16, 2024 RIMS.org/Webinars Upcoming Virtual Workshops: Fundamentals of Insurance | Dec 12 See the full calendar of RIMS Virtual Workshops All RIMS-CRMP Prep Workshops — Including Chris Mandel's Dec 13–14 Course Related RIMScast Episodes: “RIMS Public Policy and Advocacy 2023” “Emerging Cyber Trends with Davis Hake of Resilience” “Fleet Safety with Nets Executive Director Susan Gillies-Hipp” “Cybersecurity Awareness Month with Pamela Hans of Anderson Kill” “Betting It All On Risk: Mark Habersack, Heart of RIMS Award Recipient 2021” Sponsored RIMScast Episodes: “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response (New!) Cyclone Season: Proactive Preparation for Loss Minimization | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster “Technology, Media and Telecom Solutions in 2023” | Sponsored by Allianz “Analytics in Action” | Sponsored by Alliant “Captive Market Outlook and Industry Insights” | Sponsored by AXA XL “Using M&A Insurance: The How and Why” | Sponsored by Prudent Insurance Brokers Ltd. “Zurich's Construction Sustainability Outlook for 2023” “ESG Through the Risk Lens” | Sponsored by Riskonnect “A Look at the Cyber Insurance Market” | Sponsored by AXA XL   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 Risk Management Magazine Risk Management Monitor RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS-CRMP Stories — New interview featuring Chris Mandel! Spencer Educational Foundation RIMS DEI Council   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play RIMS Buyers Guide 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 Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest   Katherine Henry Bradley, Arant, Boult, and CummingsKatherine Henry is the Chair of the Policyholder Insurance Coverage team. Katherine's practice focuses on meeting clients' business objectives in matters involving insurance. She regularly advises Fortune 10 and other companies on complex insurance programs involving manuscript and specialty policies, including programs with multi-national coverage towers of $500 million to $1 billion, and programs incorporating various risk transfer and financing mechanisms, such as fronting programs, paid deductible programs, and collateral agreements. Her practice spans all aspects of policyholder insurance coverage, from initial policy placement and renewals to claims management and litigation, both in the United States and abroad. Her past and present policyholder clients include two of the world's largest automakers, the world's largest home improvement specialty retailer, an auto insurance company, a vacuum cleaner manufacturer, a quasi-governmental defined benefit plan, numerous healthcare-related entities, a private-equity investment firm, various banks and financial institutions, and a national trade association for the gases and welding industry.   Tweetables (Edited For Social Media Use): For risk managers, this is really important. One of the biggest risks lies with your vendors, your third-party vendors. That can be the weak point. — Katherine Henry   There's been a case reported of swine flu in the UK, now. There are these respiratory illnesses among children in China. It's not a pandemic but it's still a risk. — Katherine Henry   Runaway or out-of-control verdicts are something organizations are facing everywhere. It's very difficult to take a case to a jury. Something that should be resolved for $1 million or $2 million could be a $40 million liability. Insurers are aware of that. — Katherine Henry  

Christians and other pro-life groups have fought for years to see Roe v Wade overturned. In this episode the Church Split is joined with Constitutional Attorney Katherine Henry to discuss the recent decision to overturn Roe V Wade, how it relates to the constitution itself, and the political implications of this decision. This was a huge win for the pro-life cause but the fight isn't over.

Ron Armstrong, from Stand up Michigan, Patrick Colbeck, Freedom Works President,President Adam Brandon, and Katherine Henry, Restore Freedom all join in to talk about their election day experience.

We have Michigan Constitutional Attorney Katherine Henry on the show for a second time. Since we last spoke, she has authored a constitutional amendment and a massive grass roots volunteer organization to help restore freedom to Michigan. We get into the weeds on some local Michigan politics with regard to COVID-19 and health orders but also talk in general about the Church's response to COVID, government orders, and specifically mask requirements in Church.  We had a high demand to have Katherine back and she didn't disappoint!

Steven Bukala, who's now the former police chief in Lowell, Michigan, joins Cam along with his attorney Katherine Henry to discuss his dismissal after nearly 25 years on the force, all because of one line in a Facebook post expressing support for the Second Amendment and the concept of the armed citizen.

Justin talks with Common sense Cardiologist Dr. Rob Steele and lawyer Katherine Henry about some executive orders regarding wearing masks and more.

At some point in your business, you’ll find yourself having to go in front of a camera. This can be extremely terrifying if you’re not used to it. Especially if you struggle with insecurities about either the way you talk or some part of your body. That’s exactly why the next two episodes are conversations in two parts with a photographer, and a visibility specialist. Welcome to part one of this series where I talk to a professional boudoir photography about how she builds trust and helps her clients overcome their insecurities about their bodies. In this episode, you’ll learn exactly how Katherine Henry prepares her clients for a boudoir photo shoot. Looking for the show notes? Check out https://www.rosemaryrichings.com/podcast/what-a-boudoir-photographer-can-teach-you-about-body-image for more info. --- Support this podcast: https://anchor.fm/peoplebehindthebusiness/support

Having a baby changes your body, this is true. But what doesn't have to be true is having a negative relationship with your body image. Today I am sitting down with Katherine Henry to talk about boudoir photography. I have always loved the idea and thought I would explore the option of boudoir pictures as a well of healing and learning to love your trying to conceive, pregnant, or postpartum body. Katherine tells us all about what to expect from her during a shoot and how to find the confidence to be photographed in your knickers!    Shownotes: Check out the blog! 

Katherine Henry, owner and photographer at Katherine Henry Boudoir, joins me for a refreshing conversation on beauty, imperfections, and celebrating you. We talk how to embrace what makes our bodies uniquely ours, how beauty comes from the inside out, learning what makes you feel beautiful, going for what you want, the effects of social media, how a faithful job loss turned into her dream job and when it comes to work, motherhood, and personal lives, is there such a thing as balance? You’re in for a treat:) Learn more about HeartSpace Podcast at CorinneDobbas.com/heartspace

Today I'm speaking with Katherine Henry of Katherine Henry Boudoir. Katherine and I have worked together on a couple of collaborations between Forty Winks and her studio, because lingerie and boudoir equals a total no-brainer. I was thrilled when Katherine reached out and suggested herself for a Keeping Shop interview because collaborating with people like Katherine also equals a total no-brainer. One of the things that impresses me most about Katherine is her dedication to her branding and the aesthetics of Katherine Henry Boudoir. If you head over to her site (all info below) you'll see exactly what I mean. Her content direction is clear and it obviously draws a certain type of client to her. Katherine knows what it takes to attract her "dream clients' and her business is stronger and more fulfilling because of this. In addition to her branding strength, Katherine and I talk about how she got started in the boudoir business, how she found her brick and mortar space, and how she juggles being a mom with being a successful business woman. We also talk body image and how the process of a boudoir session becomes an empowering experience for most women. Check out her details below and enjoy this episode! Katherine Henry Boudoir is located at 603 Main Street, Suite 3 Reading, MA http://www.katherinehenryboudoir.com/ Instagram: @kahenry Facebook: @katherinehenryboudoir