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Risk Management
John Ballinger is a co-founder of Ballinger and Associates, an enterprise risk management firm, and 10XB Captives, a captive management company. He has over 25 years of experience in the insurance industry, conducted over 1,000 risk assessments, and managed over 5,000 claims. He has started six captives across the logistics, DoD, and heavy-civil construction space.…
Mitchell L. Lathrop has been handling insurance and reinsurance cases for over 50 years. He is a former trial lawyer licensed in California, New York and the District of Columbia. After over 40 years in trial courts throughout the United States, he today restricts his practice to arbitration, mediation, and expert consulting and testimony in…
I earned my Bachelors degree in Risk Management/Insurance from Florida State University in 1989, and my CPCU designation in 1992, eventually adding an MBA in 2022. Most of my career has been in the retail P&C arena, spanning 30 years, and I run a small retail agency with 14 employees. Our client base is broad,…
The physical and/or emotional injury in a workplace injury or illness is just the start of any workers’ compensation claim. Managing injury claims is a complex process. Carriers are continuously improving their injury management processes. If adjusters fail to consider Social Determinants of Health (SDOH), they often inadvertently delay the claim process. This may mean failing to close claims where comorbidities or other issues, such as transportation problems or lack of access to nutritious food, delay healing.
According to the Centers for Medicare and Medicaid Services (CMS), “It is estimated that 50% of all health outcomes can be attributed to SDOH, while clinical care impacts only 20% of county-level variation in health outcomes.”
Steven H. Pahl has extensive experience in the insurance industry, as demonstrated by his work with insurers such as Allstate, CIGNA, and AIG, and brokers like Aon and Arthur J. Gallagher & Co. This background provides him with a deep understanding of industry practices, policy intricacies, and the roles of various stakeholders. Currently, as…
My passion for insurance has thrived for over 20 years. From humble beginnings as an auto-field adjuster to eventually serving as a Director of Corporate Risk for a private equity group. I’ve been involved in overseeing the challenges of insurance coverage across renewable energy, construction, aviation, information-technology, agriculture, beverage manufacturing, senior living, real estate, education,…
Asperta, Ltd. is a unique independent consulting practice coaching risk managers and brokers on critical issues with property insurance underwriting submission format, data quality, and valuation, including optimization for leading CAT models. Insureds with large, complex property schedules need to attract capacity at best available terms. We offer an objective and credible insiders’ perspective on…
The insurance industry has always been cyclical, going through periods of “soft” and “hard” market conditions that can last several years. Today’s agents have been thrust into what the insurance industry has historically called a “hard market.” However, this market cycle seems a bit different than those in the past and perhaps may not soften as quickly as we’ve seen in some cycles.
Introduction and Experience My name is Colby Allen and serve as VP of Consulting and Valuations with Agency Brokerage Consultants. To date I’m a published industry expert and thought leader on Insurance Agency Valuation and M&A Advisory. Since starting my career in the industry have collected 13 years of experience in finance, operations, analytics, and project…
