Jeff Pettegrew

Many people fall victim to fear or slick salesmanship to be convinced of the need to purchase some kind of special insurance coverage.

Ask if your market faces unpredictable changes. Then determine how much control you have over those changes.

Chris Mandel, at Sedgwick after a distinguished career in risk management, says he stumbled into insurance (quite literally).

Kevin Confetti, a risk leader at the giant University of California system, warns colleagues: "Avoid reliance on statistics."

Chefs know every detail matters, and there are no shortcuts. Corporate risk managers should take note, then build a culture of safety.

At Walmart, Max Koonce slashed the number of litigation firms he used, carefully picked workers' comp doctors and even set up his own TPA.

A new approach to leadership is required to address the three game changers: data collection, bot-sourcing and autonomous vehicles.

Starbucks' director of risk management says: "Our job is to train others. . . to make good, sound risk management decisions."

Google's director of risk management finds himself at the edge of innovation. How do you assess "moonshots" like the driverless car?

Exoskeletons, autonomous vehicles, surveillance and wearable biometrics and robotics are changing risk in profound but uncertain ways.

In the ever-evolving system, key choices in workers' comp include whether to self-insure, to opt out, to use a "captive" -- and much more.

With so much contention appearing in what was supposed to be a no-fault system, is it time to redesign work comp from scratch?

Wearables could improve health monitoring and safety, but issues like battery life, transparency and simplicity need to be resolved.

The industry is ripe for disruption in 2015, and, to quote the great Dr. Seuss, needs "the thinks you can think up if only you try."

The repair and rebuilding costs will rock businesses and homeowners because deductibles are so high that few have coverage for earthquakes.

Among the issues not addressed by the 2016 ballot proposition is how to handle the state's highly complex workers' comp system.

Knowing that virtually every high deductible or self-insured option you choose requires collateral, how do you decide which option is the most cost-effective? It’s important that you have a very savvy, experienced, and knowledgeable insurance broker or consultant assisting you in weighing these options. Furthermore, your broker must understand the implications of collateral demands when risk is retained.
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