WELCOME
CONTENTS
3 LETTER FROM THE OWNER
4 WISCONSIN INSURANCE MARKET OUTLOOK
6 CYBER TRENDS TO WATCH IN 2021
9 A HAPPINESS QUESTION : Gretchen Rubin
12 HOW TO FIND YOUR PERSONAL WHY John Dijulius
14 CREATING A NEW TEAM CULTURE Dr . Marshall Goldsmith
16 THE SIMPLE NEGOTIATION EXERCISE YOU CAN TRY TODAY Chris Voss
18 7 ESSENTIALS STEPS TO STREAMLINE YOUR BUSINESS Grant Cardone
20 PRIMING PSYCHOLOGY : HOW TO GET PEOPLE TO DO WHAT YOU WANT Vanessa Van Edwards
22 6 WAYS TO TURN MANAGERS INTO COACHES AGAIN Keith Ferrazzi
25 D & O TRENDS TO WATCH IN 2021
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GRETCHEN RUBIN A HAPPINESS QUESTION :
28 EMPLOYMENT PRACTICES LIABILITY TRENDS TO WATCH IN 2021
Welcome to the spring 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 spring 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 , lower capacity for limits , and evolving insurance risks to businesses . We have included articles on some of the more volatile coverages in the marketplace including Directors & Officers , Employment Practices Liability , and Cyber Liability .
The year 2021 will definitely be an interesting one , not just for insurance-related issues but for the changed 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 . 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
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