Monthly Archives: August 2014

Obama calms nerves: Really do not be fooled by social media, the world isn’t considerably crappier than it was prior to I was elected

**Written by Doug Powers

That title isn’t exactly what President Obama explained at but an additional fundraiser Friday night, but pretty close:

“If you observe the nightly news, it feels like the globe is falling apart,” he explained at a Democratic fund-raiser in Purchase, N.Y., just north of New York City. Expanding on a theme he has touched on at current fund-raisers, Mr. Obama agreed that “we are residing by way of some extraordinarily demanding times” and “I can see why a great deal of people are troubled.”

But Mr. Obama stated Americans should remain calm and assured. “We will get by way of these difficult occasions just like we have in the previous,” he said. “This is not one thing that is comparable to the difficulties we faced during the Cold War.”

Mr. Obama attributed considerably of the turmoil to a rupture of the previous purchase in the Middle East that is playing out across that area in frequently bloody and unpredictable ways, all of which “makes factors pretty scary.” But he mentioned that the Middle East has “been demanding for very a while” and that in some ways the major big difference was that Americans have been paying much more attention simply because of the advent of new technologies bringing residence faraway occasions in visceral methods.

“The reality of the matter is that the globe has often been messy,” he mentioned. “In part, we’re just noticing now because of social media and our capability to see in intimate detail the hardships that men and women are going by means of.”

From “Hope & Adjust will deliver the globe together” to “Twitter ruined everything” in 6 quick many years.

This is from shortly ahead of Obama won the 2008 election:

That video cut off just ahead of Obama issued this disclaimer: “These guarantees will only come to fruition if everybody quits making use of social media right away.”


Also discovered by means of social media: Not as if the “MSM/Obama adminstration revolving door” essential another application of WD-forty, but right now the president will attend the wedding of Sam Kass to MSNBC’s Alex Wagner. One is a loyal White Residence employee, and the other is Obama’s adviser and chef.

Pictured above: Non-social media users listen to President Obama talk about how he as healed the planet

**Written by Doug Powers

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A.M. Ideal Downgrades Tower Group Once again

Tower Group Worldwide have to deal with far more ratings downgrades from A.M. Greatest, spurred by its soaring net losses and uncertainty above regardless of whether it can carry its debts via an meant merger with ACP Re.

A.M. Very best mentioned its revised ratings will take into consideration the Bermuda insurer and reinsurer’s recent regulatory filing that disclosed practically $ 106 million in net losses more than the 1st 6 months of 2014, plus shareholder’s equity of negative $ 11 million. The rating downgrades also “reflect the heightened uncertainty close to [Tower Group’s| ability to repay its senior debt holders in the occasion that its pending merger with ACP RE … does not arise on or prior to Sept. 15, 2014,” A.M. Ideal stated.

The rating company downgraded the economic strength ratings to C (Weak) from C++ (Marginal), and issuer credit score ratings to ccc, from b, of the pooled and reinsured members of the Tower US Pool and Tower’s CastlePoint Reinsurance Co., Ltd.

At the same time, A.M. Best has downgraded the issuer credit score ratings to c from cc, and the debt rating on $ 150 million of senior unsecured convertible notes due Sept. 14 for holding company Tower Group Inc. The issuer credit rating for mother or father Tower Group Worldwide faced a related downgrade.

Additionally, A.M. Best stated it stays concerned that Tower Group continues to delay reporting its quarterly SEC filings, and questioned “its capability to operate as a going concern.”

As of Could, A.M. Best had presently downgraded Tower’s fiscal strength ratings for the third time in recent months, driven by concerns more than its economic liquidity and the worry that it is financially overextended.

There is also Tower’s merger agreement with ACP Re, first announced in January and amended in the course of the 12 months.  A.M. Very best stated the merger is anticipated to near in September 2014, but could be delayed as late as Nov. 15, 2014, which is when the merger agreement would be terminated if it does not come about by then.

A.M. Very best explained the ratings as they now stand for Tower will continue to be below assessment, pending the merger, if it occurs.

Source: A.M. Very best

Philadelphia Insurance coverage Vindicated in YouTube Bugatti Crash Case

Philadelphia Insurance coverage Businesses explained it is been vindicated in its investigation and denial of a fraudulent claim filed by an East Texas motorist for the 2009 crash of his Bugatti Veryon, following his guilty plea this week in the situation United States of America v. Andy Lee Residence.

The Bala Cynwyd, Pennsylvania-based mostly insurer explained it had committed extensive sources in excess of the past 4 years to battle the $ 2.2 million fraudulent declare filed by Andy Lee Home of Lufkin, Texas, for the intentional destruction of the luxury sport vehicle.

The 2009 crash, which was captured on video by a passing motorist and viewed more than 5 million occasions on YouTube, drew nationwide interest. Philadelphia Insurance coverage said its claims investigators had suspected fraud from the beginning and steadfastly denied the claim.

Authorities said Residence initially claimed that he was reaching for his cell telephone when the vehicle swerved into water near Galveston, Texas. The salt water flooded the engine, ruining the Bugatti.

Philadelphia Insurance coverage explained it commenced its investigation, secured witness statements, and received an anonymous contact relating to the scheme designed by House to destroy the automobile in exchange for the insurance proceeds.

In lieu of settling the declare, Philadelphia Insurance coverage filed suit in 2010 in the U.S. District Court for the Southern District of Texas seeking to not only rescind the insurance policy issued to Home, but also sought damages for breach of the insurance coverage contract and fraud.

The insurer explained the FBI ultimately acquired involved and filed a federal lawsuit towards House, resulting in his guilty plea on August 26 to wire fraud. House faces up to 20 years in federal prison and the U.S. Attorney in the case has suggested that he spend restitution to Philadelphia Insurance.

“We owe a wonderful deal of thanks to the witnesses who supplied video and statements, which allowed the reality to come to light, as effectively as to federal and local enforcement for their investigations,” stated Bill Benecke, executive vice president and chief claims officer at Philadelphia Insurance.

“Fraudulent claims adversely effect all of our clients and it is our fiduciary duty as an insurance carrier to safeguard our policyholders,” Benecke stated.

Supply: Philadelphia Insurance coverage Companies

Endris, Parker Join Higginbotham/Swantner & Gordon in Texas

Business insurance brokers Aaron Endris and Bryan Parker joined the Swantner & Gordon branch office of Higginbotham in Corpus Christi, Texas.

Endris joins as manager of the bond division and Parker as associate of house/casualty insurance, concentrating his service to the oil and gasoline and transportation industries.

Aaron Endris

Aaron Endris

Endris comes to Higginbotham from Mullis Newby Hurst, LP with 10 many years of knowledge in underwriting and agency management. As co-bond manager and account executive for Mullis, he helped lead a group that developed much more than $ 8 million in bond premium. In 2012 and 2013, Mullis named Endris New Business Producer of the 12 months. He also held bond positions at Safeco Insurance Business and K&S Insurance coverage Company.

Endris is a licensed Construction Threat and Insurance coverage Expert (CRIS). He is a member of the Associated Standard Contractors South Texas Chapter (AGC) and Related Builders & Contractors Coastal Bend Chapter (ABC).

Parker started out in insurance as an intern for Swantner & Gordon in 2008. Then he honed his manufacturing and management talents as a revenue representative at Interstate Batteries of South Texas and as an spot director at Youthful Daily life in Gregory-Portland.

Bryan Parker

Bryan Parker

Higginbotham has more than 20 offices across Texas. Swantner & Gordon merged with Higginbotham in 2010.

Source: Higginbotham/Swantner & Gordon

NORCAL Mutual Commences Giving Med Mal Coverage in Del., Penn.

NORCAL Mutual Insurance coverage Firm, a health care skilled liability insurance carrier domiciled in San Francisco, explained it is now offering its medical skilled liability coverage to healthcare professionals in Delaware and Pennsylvania.

The firm said it is entering these states providing a new enhanced policy with further coverage options. Coverage was previously supplied by NORCAL Mutual’s subsidiary PMSLIC Insurance coverage Business.

“We are excited to provide our new NORCAL Mutual policy in each and every of these states and look forward to continuing the longstanding relationships that have been cultivated over the years,” explained Ron Rumin, senior vice president of business development for NORCAL Mutual.

“We think we have crafted a policy that meets the shifting demands of today’s health care practices. With enhancements to the data and ne2rk security, and administrative defense coverages, coupled with the positive aspects of getting a member of a mutual firm, our policyholders can rest assured they’re nicely covered,” he explained.

NORCAL Mutual has been doctor owned and directed for practically 40 many years and at the moment provides coverage to much more than 28,000 healthcare experts nationwide, along with its subsidiary organizations PMSLIC and Medicus Insurance coverage Business.

With the company’s entry into Pennsylvania and Delaware, NORCAL Mutual will phase out its presence as PMSLIC more than the following yr. PMSLIC has served the healthcare communities of Pennsylvania because 1976 and Delaware for the previous 10 many years, and was acquired by NORCAL Mutual in 2002.

Supply: NORCAL Mutual Insurance Firm

‘Cops’ Film Crew Member Killed by Omaha Police Bullet

When the phone came from an officer who required help dealing with an armed robber at a quick-meals restaurant, 2 members of a reality television present riding along with Omaha police hustled to record the confrontation.

In the chaotic scene that unfolded, a single crew member was struck by “friendly fire” from one particular of the officers, a bullet slipping past his bulletproof vest and killing him, Omaha Police Chief Todd Schmaderer stated. The robbery suspect was also killed. The weapon he was carrying turned out to be a pellet gun, even though it looked and sounded so genuine that each witnesses and officers had been fooled, Schmaderer explained.

Bryce Dion, 38, of Boston, the audio supervisor for “Cops,” is the 1st crew member of the extended-running Tv present to be killed even though filming police in action, executives with the show’s manufacturing organization mentioned. Police recognized the robbery suspect as 32-year-old Cortez Washington, who was on parole from Missouri for a robbery conviction.

Schmaderer told reporters that police and prosecutors have reviewed the “Cops” video of the Aug. 26 shooting and found that the officers “had no choice” but to open fire, however a grand jury will nonetheless be tasked with investigating.

Schmaderer stated the incident started when drive-thru buyers alerted Detective Darren Cunningham — on his way to a various robbery scene in midtown Omaha — to an armed robbery at a Wendy’s. Cunningham referred to as for backup, and Officers Brooks Riley and Jason Wilhelm — along with Dion and a “Cops” cameraman — arrived at the restaurant within 15 seconds, Schmaderer stated.

The “Cops” crew followed the officers into the restaurant. There, police confronted a hooded and masked guy. The cameraman darted into the dining area, crouched behind a reduced wall and held up his camera to record the confrontation. But Dion didn’t make it previous the glass-enclosed entrance to the restaurant. Almost quickly, Schmaderer explained, the suspect raised his gun and fired twice.

Schmaderer explained 3 witnesses described Washington firing his gun directly at Cunningham and Riley. “The witnesses described hearing the suspect’s handgun getting fired and seeing the slide recoil with the shots,” he mentioned.

Officers returned fire, hitting Washington, who nevertheless managed to run from the keep. Officers continued firing as Washington — his gun nevertheless pointed at police — entered the glass vestibule, Schmaderer mentioned. It was then that a bullet hit Dion in the chest, Schmaderer said.

Washington collapsed in the restaurant parking lot.

Right after the shooting, police discovered that Washington’s weapon was an air gun that shoots only plastic pellets.

Washington’s criminal record included an accessory to robbery conviction from Missouri for which he was on parole. He moved to Nebraska in September 2013, and his parole was due to expire in June 2017.

“Cops” started out on Fox in 1989 and is now shown on the Spike ne2rk. In accordance to the “Cops” website, the demonstrate has been filmed in at least 140 U.S. cities and 3 foreign nations.

Langley Productions President John Langley and Executive Producer Morgan Langley described Dion as talented — “one of our best” — who had worked for the present for 7 years.

“He did some thing that he loved and was passionate about,” Morgan Langley mentioned. “We’ve been extremely lucky more than the years we’ve by no means had an incident like this. Now we’re dealing with it, and it’s a extremely unhappy day for us.”

In 2010, a Television crew for the A&E reality demonstrate “The First 48” recorded a Detroit police raid in which a 7-year-previous lady was accidentally killed by an officer. That incident highlighted concerns about whether Tv cameras influence police conduct, possibly encouraging showboating. But some professionals and officers believe Television crews increase accountability.

Schmaderer bristled at the suggestion that his officers overreacted realizing that cameras have been recording them, calling it “absolutely ridiculous.”

The police chief mentioned he accepted the invitation from “Cops” to film in Omaha in the identify of transparency. “Personally, I will live with this forever,” Schmaderer stated. “If I’d have identified that this would take place, of program, I wouldn’t have completed it.”

Copyright 2014 Related Press. All rights reserved. This materials might not be published, broadcast, rewritten or redistributed.

Hillary Clinton offers 1st public statement about Ferguson shooting and Titanic sinking

**Written by Doug Powers

Hillary Clinton ultimately commented publicly about Ferguson, Missouri — just in time to assist awesome items down. Thanks to the delay, the Hillary 2016 semi-speedy response team had enough time to run a planned statement by about 150 concentrate groups. However, right after that filtering, the only phrases that made the cut were “and” and “the.” Alternatively of going with just 2 words, Crew Hillary bravely determined to likelihood it.

Spot your bets: How a lot of instances was this rehearsed in front of a mirror in Chappaqua?

Abridged model: Horrible, but way to go, almost everyone concerned!

Apparently “what difference does it make” did not make the reduce this time.

After her belated Ferguson statement, Hillary went on to say that she was shocked and dismayed by the sinking of the Titanic, but praised the crew’s efforts as effectively as acts of bravery from some passengers whilst saying that the drifting iceberg, while serving as possible evidence of international warming, remained steadfast all through the ordeal.

**Written by Doug Powers

Twitter @ThePowersThatBe

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Occupied Week for These Assessing Damage from Napa Quake

“It’s been a hectic week,” stated Glen Pomeroy, CEO of the California Earthquake Authority.

The magnitude earthquake that struck Northern California in the early hours of Aug. 24 may possibly lead to up to $ 4 billion in financial losses by some estimates – most of that is believed to be uninsured losses. It was the strongest earthquake to hit the San Francisco Bay location because the 1989 Loma Prieta earthquake, which registered a magnitude 6.9,

Men and women like Pomeroy,  as properly as insurers and other individuals from the sector, have descended on the area in excess of the final couple of days to get injury estimates, get pictures and figure how the place to go next with recovery efforts and past.

As far as the quake’s concerned, Pomeroy is grateful for at least 2 factors. The quake struck at 3:20 a.m. and severely broken a number of buildings with no 1 in them at the time, specifically in the heavily traveled tourist area of Napa.

Photographs by Amy O’Connor, Insurance Journal

“It’s fortunate it struck so early due to the fact a whole lot of the damage in the downtown historic region could have been fatal,” Pomeroy explained.

One particular would think that simply because so couple of of the losses in the spot will most likely be claims paid by CEA or other insurers – the Napa spot has roughly a 6 percent consider up rate on earthquake insurance coverage in contrast with underneath eleven percent for the rest of the state, in accordance to CDI figures – that would be Pomeroy’s 2nd cause to be grateful. Not so.

Pomeroy is also grateful for what he sees as an chance to go forward and spread the word to that underinsured neighborhood and its neighbors about earthquake insurance coverage.

Residents in the spot may possibly quickly anticipate to see a lot more tv, site and print marketing, as effectively as direct mail marketing and advertising, telling them about CEA earthquake insurance coverage items.

“We’re certainly speaking about how to do some targeted marketing and do some centered messaging,” Pomeroy said.

A large part of people messages will probably be one particular of CEA’s newest insurance products, CEA Decision, Pomeroy explained.

The solution allows home owners to insure a structure for the identical sum that house owners insurance coverage covers it for, and it makes it possible for for material coverage.

Before the new coverage was accessible house owners who suffered earthquake harm had to reach their structural damage deductible before insurance would kick in to cover material reduction. Now, with CEA Decision, insureds can get a articles deductible, Pomeroy stated.

He believes the solution will resonate, since several houses impacted by the Northern California quake skilled significantly much more content material injury than structural damage, Pomeroy noted.

Pomeroy believes folks are a lot more receptive to a message about earthquake insurance coverage following an occasion like this.

CEA policy revenue spiked following an quake in March, as did visitors to the authority’s internet site.

CEA skilled one more surge in web interest after the Aug. 24 jolt.

“I will inform you the last handful of days our internet site visitors has skyrocketed compared to typical,” Pomeroy said.

Generally targeted traffic to the internet site is approximately 3,000 hits based on whether it’s a weekday or weekend.

“On Sunday, when the common is about 3,000 hits, we had about 17,000 hits, and the following day we had about 17,000 hits and Tuesday we had about 24,000 hits,” Pomeroy explained.

1 of the largest losers in the quake seemed to be wineries, with reviews of shattered wine bottles in retail shops as properly as at the wineries themselves, and broken wine barrels in some circumstances with large dollar values per barrel.

According to Robert Berg of Michelman & Robinson LLP, coverage disputes are very most likely to come up over wine.

“There’s going to be a controversy,” Berg explained.

Chiefly the controversy will be above the measurement of the losses. How a lot is the wine really worth? Is it the expense of the fruit or the value of the wine itself? Individuals are among the concerns that these disputes will attempt to response, according to Berg.

“What’s the worth? Value’s going to be a huge situation,” he added.

Numerous contracts assign values differently, and values can depend on how far along the wine was in the aging procedure, he extra.

Furthermore, if  wine barrels that have been destroyed were stored on web site, that need to set off first-celebration coverage. But if the wine was in a storage facility, that turns into a third-party matter and questions above how the wine was stored, and how the barrels have been anchored comes into play as negligence turns into an situation, Berg stated.

“These polices are very complicated,” Berg said. “The claims are constantly worth hundreds of thousands of dollars. You’re going to have differences amongst the insurers and the winery owners.”

As a end result, Berg said he expects to be busier in excess of the up coming number of months.

“If background is correct I’ll get a number of of these claims,” he explained.

GeoVera Insurance coverage, which gives stand-alone residential earthquake policies in California, Oregon and Washington, has numerous customers impacted in the area.

“We have acquired thirty claims as of Wednesday morning and are continuing the procedure of completing the investigation of damages,” said Scott Garfield, vice president of advertising and marketing for GeoVera. Garfield is offering Insurance Journal updates on the variety of policyholders impacted each and every couple of days.

The quake also actually hit home with GeoVera, which has its workplace close to the epicenter and several staff residing in the spot.

Nonetheless, the company reported no damages to its workplace, and in accordance to the management none of its personnel have been injured.

Michelle and Peter Sander and their 10-month-previous daughter Emma have been lucky the structure of their property 2 miles north of downtown Napa seems undamaged, but the younger loved ones misplaced most of their fine glassware.

“We had a bunch of broken glass,” stated Michelle, who is from Southern California and has experienced many earthquakes.

But the shaking from this quake was unlike the wavy movement of these quakes she felt prior to.

“That was the rockiest,” she mentioned. “It was just so violent.”

When the quake struck Michelle sprang from bed and took off for Emma’s area to check out on the little one, however her efforts to reach the infant were made tough by rocking dressers and a energy outage that left the loved ones in the dark.

“I took off running for her area,” Michelle mentioned, incorporating that all the although she considered “my baby’s in a pile of rubble.”

The family members was unharmed, and the only contents misplaced have been on the east and west sides of the home’s walls, Michelle said.

Unfortunately one of those walls held the glassware from the couple’s wedding, such as the ceramic cake topper.

“We lost all of the wedding glass and a wedding ceremony gift that was glassware, and a $ 300 decanter,” she stated.

Following she assessed her own scenario, Michelle, who was a reporter with the Napa Valley Register till she was not too long ago laid off, decided to verify in on her outdated colleagues and workplace.

The daily newspaper suffered damage to its newsroom and printing press, forcing editorial operations into a conference space and the paper’s management to have the paper printed off site, she explained.

As Napa business owners mopped up vintages that spilled from barrels and bottles and swept away broken glass to get the tourist hotspot back in shape for the summer’s ultimate holiday weekend, government and tourism officials assessing its economic and structural influence encouraged site visitors to hold flocking to the charming towns, tasting rooms, eating places and spas that drive the Napa Valley economic climate, the Related Press reported earlier this week.

In accordance to the AP report, the worst injury and disruption was confined to the city’s downtown, the place a post office, library and a 141-room hotel have been amongst 150 houses and buildings deemed unsafe to occupy.

Regional officials presented an estimate that Napa Valley suffered $ 1 billion in home injury, and that they hope the prolonged-phrase economic effect of the quake to firms will be modest, according to the AP report, which has Napa County Supervisor Bill Dodd reporting that 80 % of the valley’s 500 or so wineries had been unaffected by the quake.

CoreLogic Eqecat has estimated that insured losses from the earthquake could assortment from $ 500 million to $ one billion.

See connected stories:

M6. Earthquake is California Bay Area’s Strongest Considering that Loma Prieta

Napa Quake Could Expense Up to $ 4 Billion as Wineries Shuttered

Cleanup from Napa Quake shouldn’t deter visitors, Organizations Say

GetMyBoat Boat Rental Support Launches Boat Rental Insurance coverage

GetMyBoat, a international peer-to-peer and boat rental and charter marketplace, has launched a international boat rental insurance coverage solution. Custom-made coverage is provided to boaters who book by means of the firm or through any other service or platform.

Policies can be obtained by the day, the week, or any duration sought after and is underwritten by a a worldwide yacht charter insurance supplier. Coverage is also not constrained solely to the GetMyBoat rental marketplace. Insurance coverage can be obtained by companies, private owners, and renters almost anyplace in the globe, with ideas beginning at $ 29 per day.

“We have a mission right here at GetMyBoat — to bring boating to absolutely everyone. Irrespective of the spot or type of boat, we want to get men and women off the land and on the water,” explained Bryan Petro, CIO of GetMyBoat.

Every policy includes protection up to $ 1 million and includes $ 25,000 for every member of the crew and the captain.

Owners on GetMyBoat lease or charter their underutilized watercraft — from kayaks and catamarans, to powerboats and sailboats — in much more than 2,000 areas around the world. Boaters browse watercrafts that meet their specifications and budget, then reserve on-line or by way of the app for iOS or Android. GetMyBoat gives 18,000+ watercrafts in in excess of 90 nations.

Deputies: Response to Assault on Energy Grid Botched

Sheriff’;s Deputies Get in touch with Response to Attack on Electrical Substation a Debacle – NBC Information

“},”sort”:”p”,”html”:””],”summary”:”Wal-Mart is taking an aggressive tack, with in-keep branded clinics giving major overall health care at a value competitors could discover hard to match.”,”mediaList”:null,”breaking_information”:false,”present_on_cover”:real,”ads_enabled”:accurate,”feedback_enabled”:true,”search_enabled”:real,”native_ad”:false,”copyright”:”© 2014, All Rights Reserved”,”cover_ar2rk”:null,”tease_ar2rk”:null,”canonical_url”:” being-care-are-you-ready-walmart-care-clinics-n191896″,”brief_url”:””,”title_url_slug”:”huge-box-overall health-care-are-you-prepared-walmart-care-clinics”,”unique_canonical_url”:”″,”supply”:””,”type”:”spread”,”headline”:”Huge Box Health Care: Are You Prepared for Walmart Care Clinics? “,”headline_cover”:”Big Box Wellness Care: Checkup for the Value of a Latte?”,”headline_slug”:”huge-box-wellness-care-are-you-ready-walmart-care-clinics”,”bylines”:[“kind”:”Byline”,”is_vip”:false,”city”:”Englewood Cliffs, N.J.”,”facebook_webpage”:null,”gplus”:null,”instagram”:null,”skilled_title”:”Reporter”,”present_or_internet site”:”CNBC”,”twitter_deal with”:null,”electronic mail”:””,”bio”:”

Bertha Coombs is a basic assignment reporter for CNBC, covering fiscal markets and business information stories all through the business day programming. She is based mostly at the ne2rk’;s global headquarters in Englewood Cliffs, N.J.

Her reporting at CNBC has ranged from coverage of the spying scandal on Hewlett-Packard’;s board and the criminal trial of former Tyco CEO Dennis Kozlowski to the devastation of Hurricane Katrina in New Orleans and Mississippi, and the BP oil spill. She also serves as a substitute anchor on organization day plans, including CNBC’;s “Worldwide Exchange,” which is broadcast dwell from Europe, Asia and the United States.

Just before joining CNBC, Coombs was a freelance anchor and reporter at CNNfn, and served as a monetary markets reporter with Yahoo Finance Vision, which had been an on the web Television ne2rk.

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  • Militants Fighting Against Syrian Army Seize U.N. Peacekeepers in Golan Heights
  • U.S. Flying Surveillance Missions Over Syria for Feasible Airstrike
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