Many insurance professionals believe the next hard market may be lurking right around the corner. Is your self-insurance program ready?Many insurance professionals believe the next hard market may be lurking right around the corner. Historically in hard markets, self-insurance has been used as a risk financing mechanism to offset higher insurance prices and the lack of capacity. But just as a diligent driver would be sure to have a mechanic perform a full tune-up before embarking on a long car trip, a risk manager also needs to periodically conduct a systematic check of insurance exposures in order to maximize the performance of a self-insured program and determine if there are any issues hidden below the surface. The following key questions can guide your assessment.Is Self-Insurance a Viable Option?Self-insurance and large-deductible programs are usually mentioned at the top of the list of ways to control insurance costs in a hard market. A risk manager needs to first determine which … [Read more...] about Does Your Self-Insured Program Need a Tune-Up?
More often than not, children witness firsthand their parents’ fights and arguments, which can often escalate during divorce. As parents struggle to deal with their own emotions, and as divorce and separation become imminent, many parents do not realize how in tune, albeit confused and scared, their kids are with what is going on. Many children begin to wonder Why is this happening? Is it my fault? Could I have somehow prevented it? Is mom or dad going to leave? Will I be abandoned? Will I have to move away from their friends and family? Will I be sent to live somewhere else? Will I have to choose? These questions and the resulting anxieties can present themselves in many ways, such as changes in behavior, acting out, decline in school performance, mood changes, panic attacks, bedwetting, increased need for attention, drug use, and the list goes on. Sadly, these manifestations can fly under the … [Read more...] about Stay in Tune with Your Children During Divorce
Chances are you know Todd Melnik, if not by name then certainly by reputation. Melnik is the Los Angeles lawyer who helped get his client exonerated through a television show.Well, sort of.Melnik’s client, Juan Catalan, stood accused of a particularly heinous revenge murder. He said he didn’t do it, and had the alibi: He was at a Dodgers game with his daughter. He even had the ticket stubs to prove it–but the LAPD wasn’t buying it. The police department claimed to have eyewitnesses placing Catalan at the scene of the crime, finger on the trigger. What’s a lawyer to do? Go to the videotape.Catalan, you see, was a Dodger Stadium regular and remembered seeing a crew in his section at the game that night filming the comedic actor Bob Einstein, best known for his bumbling stuntman character Super Dave Osborne. Maybe, just maybe, he had been captured on film.Melnik contacted a production company that works on Super Dave Osborne projects, but the … [Read more...] about Stay Tuned
In what’s bound to be a growing trend, some law firms are sending out holiday messages by email in lieu of wishing clients and friends traditional season’s greetings on heavy embossed cardstock.Among this year’s offerings is an edgy animated e-card from Manatt Phelps & Phillips, sung to the tune of “Carol of the Bells,” but featuring alternative lyrics evocative of the mixed blessing that holiday events represent to a number of busy attorneys. Citing deadlines, pending deals, reports and fires that must be put out, the increasingly frenetic song notes that attendance, dressed to impress, is required at an apparent law firm party.It’s sure to feature “very very very wary small talk” and “very very very scary dance moves,” the song recounts, as the singer also points out a need to avoid the punch, having missed lunch. Those who didn’t receive an e-card from the law firm can take a look at Manatt’s effort on … [Read more...] about ‘Tis the Season for Lawyerly E-Cards; Manatt’s Puts Edgy New Twist on Traditional Holiday Tune
Law students interviewing for law jobs need to show—and practice—their emotional intelligence by providing good answers to hypothetical questions and connecting with interviewers.Law firm interviewers are looking for candidates with interpersonal skills that can be used to foster client relationships, according to Alison Bernard and Niki Kopsidas, recruiting directors at Fried, Frank, Harris, Shriver & Jacobson. Writing for the New York Law Journal, they offer tips on how students can demonstrate their EI.“During the interview it’s likely that there will be more hypothetical questions geared towards eliciting a candidate’s level of professionalism and how he or she would approach a problem. Listen carefully and try to connect with the interviewer,” they write. “It’s important to tune into an interviewer’s personality and adapt to that individual’s style.“However, proactively manage the interview and make sure that … [Read more...] about Legal Job Hunters Should Tune in to Interviewer’s Personality, Recruiting Directors Say