CONTENTS
3 LETTER FROM THE OWNER
4 CONSIDERING A HYBRID WORK MODEL
6 CYBER LIABILITY : RANSOMWARE
9 DEVELOPING A HAPPIER MINDSET Neil Pasricha
12 A GUITAR LESSON Dan Solin
14 YOUR BRAND ISN ' T ABOUT YOU Deb Gabor
16 HOW XPRIZE WORKS Peter Diamandis
18 EMOTIONAL INTELLIGENCE Dr . Travis Bradberry
20 FUNNEL VISION AND THE SALES CLOUD Scott Stratten
22 FIVE WAYS TO AVOID BURNOUT Melissa Ambrosini
24 IS EVERYONE COACHABLE ? Shawn Hunter
25 RISING COST OF BUILDING MATERIALS
26 WORKERS ' COMP INSIGHTS
28 5 STRATEGIES FOR REDUCING BENEFIT COSTS
30 THE INCREASING COSTS OF JURY AWARDS
WELCOME
Welcome to the fall 2021 edition of Risk & Business Magazine . Spectrum Insurance Group is pleased to provide this magazine as a valuable resource for your company . The purpose of the magazine is to bring you relevant content to help your business succeed . Inside this edition , you ’ ll find many great articles related to business insurance , employee benefits , safety / risk management , employment law , banking , financial management , and general business topics . We think you will find these articles informative and useful to the success of your business .
When Spectrum Insurance Group was started in 2007 , one of the core values we established was to provide value-added services to our customers . Risk & Business Magazine provides another outlet to help inform and educate not only our customers but all businesses located throughout the state of Wisconsin . What is good for all businesses in Wisconsin is good for Spectrum Insurance Group !
The insurance-related articles for the fall 2021 edition are dedicated to specific trends that are impacting businesses in 2021 and beyond . We are seeing major shifts in the insurance marketplace , from increased rates to lower capacity for limits to evolving insurance risks to businesses . We have included articles on some of the more volatile coverages in the marketplace including Directors & Officers , Employment Practice Liability , and Cyber Liability .
The year 2021 will definitely be an interesting one not just in insurance-related issues but also in the political environment with a new administration in the White House and a Congress that is controlled by the Democrats . Social justice issues and the ongoing COVID-19 pandemic will continue to have a significant impact on businesses as well . No matter what happens in 2021 , businesses in Wisconsin have an innate ability to adapt to challenges that they are confronted with . This makes Wisconsin an excellent state to do business in ! +
Sincerely ,
Darrel Zaleski , Owner SPECTRUMINSGROUP . COM
3