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More than a paper policy

September 27, 2019

Too many businesses realize the value of their insurance coverage only after the fact, after they lose something first. That means too many are missing...

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Making inclusion work: putting words into practice

September 23, 2019

I have spent my entire career – more than 25 years and counting – in insurance, and I’m proud to see how the industry has changed over that time to become...

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Autonomous technologies an uncertain and evolving risk landscape

June 11, 2019

Propelled by massive investments and impressive technological advances, autonomous vehicles are quickly becoming more numerous and capable, and appear...

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Keeping pace with the pacesetters

March 29, 2019

Complexity and volatility have long been key elements in the world of risk. But a new wrinkle is emerging and is especially visible in the sharing economy:...

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Are you a good manager?

March 19, 2019

The following article was written by Cate Huston, engineering manager at Automattic, the people behind websites and applications such as,...

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Belt and road how risk managers can use global programmes in a transforming region PT

February 07, 2019

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Changing climate, changing standard of care?

January 15, 2019

As extreme weather events hit more frequently, many observers believe their impact may affect the standard of care for design professionals. Last fall,...

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Avoiding the holiday hustle

December 15, 2018

It’s that time of year when we all need to brace ourselves for not only the bustle of the holiday season, but for the potential hustle in the bustle too. Crime...

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Is asbestos making a comeback?

November 13, 2018

This past June, the U.S. Environmental Protection Agency (EPA) announced a proposed “significant new use rule” (SNUR) on asbestos. The proposed rule, which...

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Class action filing increase shifting D&O dynamics

October 31, 2018

The frequency of U.S. federal and state securities class actions (SCA) have been increasing markedly in recent years. At the time of writing, there have...

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California Privacy Laws

October 17, 2018

When Europe’s Global Data Protection Regulation (GDPR) took effect in May 2018, industries everywhere were put on notice regarding the collection, storage,...

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Cyber Risk Modeling & Scoring: Creating Business Resilience

September 04, 2018

Over the last few decades, the way in which companies conduct business has gone through a transformation. Organizations have shifted their business models...

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Cyber endorsements: The why and how of cyber protection

August 15, 2018

A salesperson, working from a café while on the road, sends proprietary client information over an unsecured Wi-Fi connection. A project manager for a...

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Business planning that looks beyond the bottom line

August 14, 2018

What does business planning mean in your organization? For many people, the annual business planning cycle can be the equivalent of getting a root canal...

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Small businesses are more vulnerable to cyber risks than they think

August 10, 2018

Today, most companies rely on technology in order to conduct business. In fact, companies of all sizes are able to compete thanks to technology, and small...

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Small Business, Exposed

June 11, 2018

For US-based consumers, it was a breach like no other. An estimated 147 million records were compromised when consumer credit reporting agency Equifax...

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The Social Engineer

April 30, 2018

An invoice arrives for the same amount every month. Only this month, your company account manager gets the invoice along with a note from the vendor, outlining...

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Using non-payment insurance to extend lending capacity

April 30, 2018

The global economy has expanded rapidly over the past twenty years, spurred by, among other factors, the reduction of trade barriers, the opening of China’s...

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Cyber risk modeling comes of age

March 22, 2018

Ten million per month – that’s how many hacking attempts the head of the U.S. Office of Personnel Management said her agency was able to thwart each month...

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Four steps insurers must take to realize the potential of IoT

March 14, 2018

The number of IoT devices on the planet has now surpassed the number of smartphones. After half a decade of hype, insurers had expected to be writing "connected...

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Are hotels and hospitality more vulnerable to breach?

January 09, 2018

Between May 2014 and December 2015, six high-profile companies within the hospitality industry suffered customer data breaches. Malware, compromised card...

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5 tips to cut crime risks this season

December 12, 2017

As the song about the December holidays goes, "It's the most wonderful time of the year." But it's not so wonderful for employers that are unprepared for...

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Ho! Ho! Ho! not Oh No No No!

November 27, 2017

With the holiday’s right around the corner, we’re approaching the busiest time of the year to shop online.  Every year new figures are released that show...

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The Impact of GDPR: EU data protection meets US-based business

November 15, 2017

Privacy regulations in the United States have nothing on those in the European Union (EU).In fact, the newly minted General Data Protection Regulation...

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The right to be forgotten

November 09, 2017

In 2010, an attorney named Mario Costeja Gonzalez asked the Spanish Data Protection Agency to request that the newspaper La Vanguardia remove two small...

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Show me the money! The impact of securities class actions on the Australian D&O Liability insurance market

October 17, 2017

Welcome to the second instalment in the XL Catlin/ Wotton + Kearney white paper series on securities class actions and their impact on the Australian Directors’...

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A hack a day: Let's do more to keep the hackers away

October 16, 2017

143 million people.  Nearly half the US population and the majority of the adult population.  That’s the number of individuals who may have had some very...

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Design Professional Insights: Providing Pro Bono Services

October 02, 2017

Design professionals are often asked to provide pro bono services but they are just as likely to volunteer their services after catastrophic events or...

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Breaching the Assembly Line: When Cyberattacks Target Manufacturing

September 15, 2017

On May 13, 2017, workers arriving onsite at an auto manufacturing facility in northern France were greeted with a message being broadcast on the company’s...

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The Case for Covering DO in a Global Program

July 31, 2017

For many Spanish companies, expanding into new markets outside Spain has proved to be a productive path to profitable growth.When Spain’s and much of the...

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Cyber Claim Trends: When Law Firms Are the Target

July 28, 2017

In June 2017, a massive cyberattack shut businesses and agencies across the globe out of their systems. Companies and government entities in 65 countries,...

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Emerging Risks Report: Q2 2017

July 07, 2017

Also available in  Spanish,  Portuguese,  German,  French  and  Italian.XL Catlin’s Emerging Risk Task Force actively monitors a wide array of emerging...

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Asset managers: Are operational risks keeping you awake at night?

June 29, 2017

In recent years, uncertain economic and political environments have made people reticent about investing. And when they do invest, buyers are looking for...

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Count-down: New rules on data protection across Europe

June 16, 2017

First published in  POST Magazine. New rules on data protection will come into force in Europe next year. Sergio Pierro is a Professional Indemnity underwriter...

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Global programmes: Managing the network

June 12, 2017

This article was first published in Commercial Risk Europe. Nowadays, no insurance company has a network of fully owned subsidiaries that can issue policies...

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Hometown hacking: Communities in US and Canada become cyber targets

May 24, 2017

It’s easy to see why Target was a target.  Home Depot too is a depot of valuable information and credit card numbers.  Even a health insurer like Anthem...

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People risk: Well-being of mobile workforces

May 09, 2017

In a recent survey, Airmic- the UK risk management association - found that while business travel has increased by 25% over the last decade, just 16% of...

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Executives can't dismiss cyber accountability

April 20, 2017

In the wake of the Yahoo data breaches in December of 2016, it is hardly surprising that yet another shareholder has filed a data breach securities class...

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Your Refrigerator. Appliance or Accomplice?

January 31, 2017

If hackers are hungry enough for information, your refrigerator is not off limits.  They’re not interested in what’s inside it.  Rather they want to get...

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Cyber coverage: What are companies looking for?

January 27, 2017

Amid the rising uncertainty of cyber risks, one thing is for sure: organizations have become much more sophisticated about buying cyber insurance.​There...

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Healthcare Data Breaches: Managing and Responding to Regulatory and Litigation Risks

January 10, 2017

A flurry of data breach activity has recently struck the healthcare sector, resulting in increasing litigation and regulatory scrutiny.  Healthcare companies,...

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IoT Risks: What are the implications for your business?

December 06, 2016

The Internet of Things (“IoT”) consists of a global network of Internet connected devices, from commercial climate control systems to vehicle diagnostic...

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Electronic Project Information Tracking: Do You Have the Access You Need?

December 01, 2016

Electronic project information tracking promises savings in time, money, accuracy and other aspects of project management. To take full advantage of this...

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Captives: Setting and Selling the Strategy

November 07, 2016

For many companies, allocating capital into a captive can be a less costly way to finance certain risks compared to buying insurance from commercial markets...

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Hey, Kids! Get Into My Workforce!

October 25, 2016

Gen Y. Millenials. Whatever you call them, everyone’s talking about them. A recent survey by Pew Research shows for the first time this group has surpassed...

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Blockchain: The Next Disruptor?

October 19, 2016

Multi-party commercial insurance is extraordinarily process intensive.Quoting, binding, servicing and managing a commercial insurance program is a complicated...

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Born This Way

October 03, 2016

You use a framework labeled “the diversity iceberg model.” Could you describe that?  Everyone has some basic traits that are readily visible to others...

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Ransomware's Greatest Adversary: Employee Cyber Awareness

September 26, 2016

It’s every organization’s nightmare: something is intentionally preventing an employee from using its computer system normally. Whether access to the operating...

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Cyber Risks and Reinsurance

August 26, 2016

Surveys of risk managers routinely rate cyber risk or cyber liability among the top ten risks facing companies today. And not surprisingly, options for...

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Design Professional Perspective: Waivers of Subrogation

August 18, 2016

When an insurance company pays for a loss, and someone other than its insured might be to blame, the insurance company can sue those responsible to recover...

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Midsize businesses face sizable cyber risks

August 10, 2016

A perfect storm of cyber risk is brewing for middle-market businesses, and many of them are unprepared.News headlines tend to emphasize data breaches at...

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Emerging Trends in Design Professional Liability Claims

July 18, 2016

Emerging Trends in Design Professional Liability Claims

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Specifics make the difference in cyber cover

July 05, 2016

If there ever was an insurance product where the devil is in the details, it’s cyber. How coverage is written has and will continue to determine whether...

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Americans with Disabilities Act & Online Business: Be compliant or risk a lawsuit or fine

May 19, 2016

The 1990 Americans with Disabilities Act (ADA) guaranteed that disabled people have a right of access to any public place. Until recently, the ADA has...

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Protecting Privilege: Strategies to Keep Post Cyber-Breach Activities from Disclosure

April 25, 2016

Originally published in Litigation Management magazine, Spring 2016. Today most businesses cannot avoid being, at least in some limited manner, connected...

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Cyber Claim Trend: Risks Go Beyond Data Breaches

April 11, 2016

When most people think about cyber insurance, they tend to visualize data breaches. In fact, less than one-third of the cyber claims we see are for breaches....

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When (Natural) Disaster Strikes

March 30, 2016

Many victims of natural disasters—such as hurricanes, floods and earthquakes—turn to design professionals for assistance. Architects and engineers have...

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Design Professional Insights_ Working with Owner Reps

March 15, 2016

It is increasingly common for owners to hire an individual or firm to act as an owner representative (OR, owner rep).  The scope of services for owner...

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Religious Observance: What US Employers Need to Know to Prevent Discriminatory Practices

March 14, 2016

There were more than 1,300 class-action lawsuits against American employers in 2015.1 Some of the lawsuits were high-profile like the Abercrombie & Fitch...

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Cyber security in Asia

January 11, 2016

Asia has been slower in mitigating against cyber-security lapses than other countries, as there have been comparatively fewer cases of cyber-attacks in...

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Protecting Financial Institutions from being bamboozled, cheated or robbed

December 08, 2015

 For cash-strapped or simply dishonest individuals, working in a financial institution can be equated to a “kid in a candy store.”  Tempting.  Each year,...

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Boosting Mobile Security and Awareness Reduces Risks

November 18, 2015

This article is reprinted from the Fall 2015 issue of Insights, a professional journal by the CPCU Society.  It has been reproduced here with the permission...

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Five things your Board wishes you'd told them about Operational Risks insurance

November 06, 2015

Financial Institutions may receive little sympathy these days, but they’re going through a tough time. Regulatory supervision is becoming increasingly...

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An Inside Job

September 15, 2015

No one likes to be duped.  It feels awful.   It’s especially painful to have the wool pulled over our eyes by someone that we trust, such as an employee. ...

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Time to tune up D&O policies in Spain

August 21, 2015

Law 31/2014, 3rd December 2014, of the Spanish Companies Act introduces a number of specific amendments that directly affect the corporate governance of...

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Reducing the Risk of Legionnaires Disease: A New Standard of Care for Designers

August 14, 2015

Even if you’ve never heard of The American Legion, a U.S. veterans’ organization, chances are you’ve heard of Legionnaires’ disease. The affliction was...

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The Next Wave of Workplace Protection: Gender Identity

July 09, 2015

Bruce Jenner became one of the most widely recognized transgender people in the world when Vanity Fair magazine ran a cover photo of Jenner’s transformation...

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Video: How Operational Risk Insurance Adds Value

July 06, 2015

 Operational risk insurance  solutions: strategic, transparent, and adding value: Watch the videos. Meet the experts.   ...

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Good hospitality includes strong security

July 01, 2015

Hotels tend to be valuable assets housed in prime real estate with carefully and often expensive fixtures and amenities. But there is nothing more valuable...

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New EU Audit Directive: Skepticism, Transparency, Forced Rotation

June 18, 2015

Audit Reform: “Another Step Towards Restoring Confidence”Public faith in our financial institutions has been shaken in the past 15 years. Multi-billion...

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Measuring What Matters

May 26, 2015

In 2011, XL Catlin’s Design Professional team and PSMJ Resources, Inc. announced a collaborative agreement to share knowledge, develop custom research...

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Is Cyber Liability Coverage as Essential as PandC Coverage

May 18, 2015

This article is reprinted from the March 2015 issue of Insights, a professional journal by the CPCU Society. It has been reproduced here with permission...

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If it sounds phishy, it probably is

February 16, 2015

Social engineering has become a global problem, and unfortunately for corporations, the fraud business is booming.The term “social engineering” refers...

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Hackers, Traitors, and Data Breaches

January 29, 2015

Our Cyber DependencyBusiness today depends on the cloud. But what the world has come to call the “cloud” is not really a cloud. It is a symbol for global...

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Silence is not golden when it comes to workplace bullies

January 15, 2015

Recent surveys say most adult American workers (72%) are aware of workplace bullying.  According to the Workplace Bullying Institute’s (WBI) 2014 Zogby...

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Understanding the Swinging Pendulum That is Data Breach Law

January 12, 2015

In today’s technology-driven economy, organizations of all sizes are exposed to increasingly complex computer security risks. The evolving sophistication...

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Spain’s Financial Lines market is picking up steam

January 09, 2015

In the second half of 2013, the Spanish economy has slowly started to recover. With a GDP rise of 0.4% in Q1 2014, it doubled the previous quarter’s growth...

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10 Actions NOT to take when facing a claim

December 10, 2014

When an owner or other party files a claim against your practice, alleging errors, omissions, negligence or worse, it can cut right to the core of your...

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Public Private Partnerships

December 10, 2014

Historical Investment XL Group’s article “Restoring Europe’s Aged and Stressed Infrastructure” addresses the urgent need for infrastructure investment:...

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Aging Infrastructure

October 31, 2014

Follow the MoneyThe trend for infrastructure spending in the US has been on a steady downward path. The chart below illustrates U.S. public spending as...

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5 ways an iPad can improve risk engineering

September 19, 2014

With risks getting more complex and time becoming more precious, leveraging best-in-class mobile technology is changing the playing field in the P&C insurance...

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Cyber Shock

September 04, 2014

  Fast Focus Although third-party liability coverage is important,...

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The Palestinian Reconciliation: For Better or Worse?

June 23, 2014

On 23 April, representatives of Fatah and Hamas, the two main rival Palestinian factions within the Palestinian Authority (PA), signed a reconciliation...

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Looking Forward: D&B's Global Economic Outlook

April 11, 2014

If only we had a crystal ball.  Our decisions – both in business and life -- would be easier to make.  We’d have more information to give us clearer direction...

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Energy Meets Technology

March 18, 2014

Technology is having a significant impact on the development and distribution of energy, according to Cathy Duffy, SVP and Underwriting manager at XL in...

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Up in the sky its a drone

January 14, 2014

How likely are we to see drones in U.S. skies soon?Demand for drones, also known as Unmanned Aerial Systems (UAS) is growing very quickly, but unfortunately...

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Cybercrime is the greatest threat to an organizations' survival today

November 19, 2013

Technology is ever evolving and our reliance on it opens an organization’s vulnerability to cyber attack through greater online presence, broader use of...

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BYODs Blurred Lines

November 18, 2013

Getting the latest technology has become a bit of a sport. Tech-savvy individuals keep a close ear to the ground on new launch dates, strategize on store...

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Know your risks when dealing with employees

October 09, 2013

Employee/employer courtroom drama can be found easily in today’s headlines. In June, the US Supreme Court made headlines by announcing two rulings that...

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All the Likes in the World

May 13, 2013

Disgruntled customers and employees have substantial power in the world of social media. A number of companies have recently found themselves ‘cleaning...

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El seguro para emisiones de valores la solucion aseguradora para la salida a Bolsa de las empresas espanolas

En 2015, un total de 24 sociedades españolas decidieron salir a Bolsa. Mediante este proceso, los propietarios ponen a la venta la totalidad o una parte...

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Crimes ciberneticos na America Latina

O negócio está crescendo!Em meados de julho, foi noticiado que a apresentadora de um dos mais populares telejornais brasileiros foi vítima de um hacker...

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Como evitar una crisis de viaje_ consejos para que sus viajes internacionales sean seguros y protegidos

 Usted piensa que nadar en la piscina del hotel sería relajante. Deja su teléfono celular en su habitación y se dirige a la piscina. Al regresar a su habitación,...

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Hackers traidores e violacoes de dados

Nossa dependência cibernéticaOs negócios de hoje dependem da nuvem. Mas o que o mundo tem chamado de "nuvem" não é realmente uma nuvem. É um símbolo para...

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Marktreport International Japan

Deutsche Unternehmen sind seit vielen Jahren auf dem japanischen Markt aktiv. Unternehmen, die in Japan investieren, schätzen nicht nur die Größe und den...

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Los riesgos emergentes que estamos observando y las razones por las que lo hacemos

Blockchain: ¿el futuro de las transacciones? Blockchain es un libro de contabilidad o base de datos seguro y descentralizado que almacena y monitorea...

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Os riscos emergentes que estamos monitorando e por que Q2

O Grupo Operacional de Riscos Emergentes da XL Catlin monitora ativamente uma ampla gama de riscos emergentes para oferecer aos nossos subscritores e clientes...

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Der Wert von Versicherungscaptives

Am 11. und 12. November treffen sich Captive-Experten aus aller Welt auf dem European Captive Forum in Luxemburg. Da XL Group sich bereits lange mit Captives...

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