GLG News by Employee Benefits Experts

Ronald BartonPresidentThe Profit Consultant

Turbocharging organization capability a la Google

March 5, 2008

Analysis of:Management a la Google, WSJ 4/26/2006 | online.wsj.com

Nearly all major companies are operating outdated organizational concepts that support egos and greed but do not use people and technology to maximize investor value. A few companies are challenging these concepts, Google being one, but no company has made the transformation to a truly "intelligent organization". The first company that establishes a true value focused culture and organization which recognises how people drive value and supports them with the technology that is now available will gain tremendous competitive advantage.

John David CoffeyPresidentDavid Coffey Agency, Inc.

Lower Margins + Higher Volume = Closer Fiscal Management

February 28, 2008

Analysis of:MMC Sees 4Q Net Income Drop 62% | www.propertyandcasualtyinsurancenews.com

When competition sets price and  conditions in the securities markets produce losses of principal, the only way to raise the gross margin is by reducing operating.

John David CoffeyPresidentDavid Coffey Agency, Inc.

Desperate times......

February 28, 2008

Analysis of:Could Subprime Mortgage Crisis Turn Desperate Homeowners Into Arsonists? | www.propertyandcasualtyinsurancenews.com

Carriers expect desperate and dishonest acts during hard financial times.

John David CoffeyPresidentDavid Coffey Agency, Inc.

Reinsurers Are Allowing For Their Business Models Also To Become More Flexible And Adaptive

February 11, 2008

Analysis of:New ‘Bermuda Triangle’ Emerging, | www.propertyandcasualtyinsurancenews.com

The Business Models Of Entire Insurance Markets Are Evolving As The Industry Itself Changes With This Current Soft Market.

John David CoffeyPresidentDavid Coffey Agency, Inc.

The Business Models Of Insurance Can Change By The Minute And Those Of Regulatory Bodies Should Be As Flexible.

January 29, 2008

Analysis of:Insurance CEOs, Regulators Face Off | www.propertyandcasualtyinsurancenews.com

Always And Forever, Too Much Regulation Impedes Growth.

John David CoffeyPresidentDavid Coffey Agency, Inc.

Paying Too Much For Insurance? Fifteen Minutes Could Change Your Mind.

January 28, 2008

Analysis of:Insurers Counter CFA Report Blasting Carriers For ‘Overcharging’ | www.propertyandcasualtyinsurancenews.com

Every Business Is Entitled To A Profit. That Level Of Profit Will be Determined By Competition.

John David CoffeyPresidentDavid Coffey Agency, Inc.

In This Soft-Market, Reinsurers Grow With Caution, Price Accordingly And Wait For The Next Disaster.

January 21, 2008

Analysis of:Reinsurers Start Losing Their Leverage As Commercial Market Keeps Softening | www.propertyandcasualtyinsurancenews.com

Reinsurers Grow With Discipline Learned From The Past

John David CoffeyPresidentDavid Coffey Agency, Inc.

Smaller "Cats." Mean More Capacity, More Competition, More Financial Discipline.

January 14, 2008

Analysis of:Builders Risk Premiums Keep Falling As Soft Market Expands Into Cat Zones | www.propertyandcasualtyinsurancenews.com

The Insurance Industry Has Capitalistically Evolved New Business Models That Have Prepared It To Remain Profitable After the Next Wave of Disasters So Long As Fiscal Discipline Is Applied In A Greater Way .

John David CoffeyPresidentDavid Coffey Agency, Inc.

When Volume Is Higher, Management Must Be Better

December 26, 2007

Analysis of:Top-10 P-C Insurance Stories Of 2007 Focus On Soft Market, Poor Reputation | www.propertyandcasualtyinsurancenews.com

"Volume solves all your problems", but pricing still must recover both expenses and the targeted Net Margin.

John David CoffeyPresidentDavid Coffey Agency, Inc.

Governments At All Levels Must Partner With The Insurance Industry As Business Entities, Or The Public Will Fail.

December 17, 2007

Analysis of:Public Partnerships Critical For Insurers in Catastrophe-prone Regions | www.insurancetech.com

Litigating and disciplining the Insurance Industry, outside of sound, ethical, business reasons  are not profitable methods of encouraging recovery for 2008. 

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