8 People on the Move

Global Risk Solutions names an assistance vice president of business development, Oneglobal Hong Kong gets approval from Insurance Authority; all of this and more in this edition of People on the Move.
By: | August 17, 2020

Suzanne Ziemann Named AVP of Business Development for Global Risk Solutions

Suzanne Ziemann, assistant vice president of business development, P&C solutions, Global Risk Solutions, Inc.

Global Risk Solutions, Inc., provider of a diverse range of claims adjusting and environmental risk management solutions, is continuing to grow with the addition of an experienced business development executive, Suzanne Ziemann.

Ziemann has joined GRS as assistant vice president of business development in GRS’ property & casualty solutions division.

She has extensive career experience in claims operations and management. Prior to joining GRS, Ziemann was assistant vice president and head of primary casualty claims at AXIS Capital, where she was responsible for an internal domestic primary casualty adjusting team as well as third party administration partners. 

Ziemann is based in Atlanta and will work with Rob Edwards, assistant vice president of business development, who joined GRS in February and is based in Providence, Rhode Island. 

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Ziemann and Edwards report to Falin McMellon, senior vice president of business development at GRS.

“GRS is excited to welcome Suzanne to our team. The experience and talent she and Rob have in building relationships and providing exceptional service will accelerate our growth strategy and enable GRS to deliver our solutions to an even broader set of clients,” McMellon said

Oneglobal Broking Hong Kong Gets Insurance Authority Approval

Oneglobal Broking announced the establishment of Oneglobal Group Asia and that its first operating company, Oneglobal Broking Hong Kong Ltd, has received regulatory approval from the Insurance Authority. 

Jonathan Palmer-Brown, chairman, Oneglobal Group and Oneglobal Group Asia

Anthony Langridge, chairman, Oneglobal Hong Kong

Asian broking leader Anthony Langridge has been named chairman of Oneglobal Hong Kong, reporting to Jonathan Palmer-Brown, chairman of Oneglobal Group Asia.

Langridge brings with him deep relationships with senior business leaders throughout Asia and will be instrumental in driving the growth of Oneglobal across the continent.

He most recently held the role as chairman of JLT Asia, having previously been deputy chairman of Aon Asia. Langridge will be joined by Sara Garland, executive director of Oneglobal Hong Kong.

Sara Garland, executive director, Oneglobal Hong Kong

Palmer-Brown commented, “This is an exciting moment for Oneglobal as we extend our reach into Asia. I’m proud that we are one of the first broking businesses in Hong Kong to be authorized by the Insurance Authority, which is testament to our strong business plan and outstanding leadership.

“Anthony Langridge is known to many Asian business leaders and his appointment is a vital building block in our campaign to grow across Asia, which will see new colleague and location announcements in the coming months,” Palmer-Brown added.

“Oneglobal will fill a gap in the Asian insurance markets by bringing personal and individualized service back to client relationships,” Landridge said. 

“We will be working right where our clients are across the continent and encouraging like-minded individuals who share our vision of reinvigorating global broking to come on board as we build Oneglobal in Asia together,” he said.

I am delighted Sara Garland will join us on completion of her current contractual obligations. She is a highly experienced broker, respected by market leaders across Asia and will further strengthen the team as we build out our Asian business.”

Seasoned Insurance Coverage Litigator Courtney Murphy Joins Hinshaw in New York

Courtney E Murphy, partner, Global Insurance Services Practice Group, Hinshaw & Culbertson LLP

Courtney E. Murphy has joined the U.S. law firm of Hinshaw & Culbertson LLP as a partner in the Global Insurance Services Practice Group in the New York office. Murphy’s primary focus will be on evaluating, litigating, and arbitrating all aspects of complex first party property and liability insurance coverage disputes.

Murphy has a national practice with significant experience in handling insurance claims involving catastrophic loss and damage, as well as associated business income loss related to hurricanes, tornados, hail, flooding, fire and other natural disasters. 

Murphy advises boiler/machinery and builders’ risk claims. 

“Our insurance clients continue to face increased global risk vectors, including COVID-19 coverage, cyber and privacy issues, said Scott Seaman, global co-chair of the firm’s Insurance Services Practice Group. 

“Courtney is an extremely knowledgeable and highly regarded practitioner, and her addition will be a great asset to our clients in the areas of first-party property insurance coverage, and reinsurance.” He added, “The addition of Courtney and other outstanding lawyers to our team this year further strengthens our New York-based insurance coverage capabilities and is part of our commitment to providing first-rate legal services and bespoke solutions for our insurance company clients.”

“With its robust national platform and deep bench of insurance professionals, Hinshaw enhances and compliments my existing practice, which remains focused on providing insurance-based clients with a level of service that is time-conscious, detail-oriented and results-based.”

Guy Carpenter Appoints Canada President and Chief Executive Officer

Peter Askew, president and chief executive officer, Guy Carpenter, Canada

Guy Carpenter & Company, global risk and reinsurance specialist and a business of Marsh & McLennan Companies, announced the appointment of Peter Askew as president and chief executive officer of Guy Carpenter’s Canadian business.

Askew will be responsible for Guy Carpenter’s reinsurance broking activities in Canada, which includes both its Montreal and Toronto offices. He will focus on further expanding the depth and scope of solutions available to Canadian insurance providers.

Donald Callahan has stepped down from the role of president and CEO of Guy Carpenter in Canada after 20 years but will continue to support Askew. 

With over 25 years of experience in the Canadian (re)insurance industry and having held numerous leadership roles during his career, Askew brings a deep market insight and client understanding to the role. Most recently, he was managing director, Guy Carpenter & Company, Ltd. in Canada. 

“I am delighted that Peter has taken the helm of our Canadian operations and that Don will continue to contribute to the success of our clients,” commented John Trace, chief executive officer, Guy Carpenter, North America. 

Thomas Ricks Joins Lockton Pacific Series, Benefits Practice 

Thomas Ricks has joined the Benefits Practice of Lockton Pacific Series as vice president, data analytics.

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He brings experience and expertise in actuarial and health care data analytics to expand Lockton Pacific Series’ consultative solutions and existing robust suite of tools including InfoLock, the company’s proprietary data warehouse.

One of his key objectives is to aggregate information from disparate sources into real-time analytics and diagnostic tools, including data visualization dashboards, to help employers make data-driven decisions, optimize their employee benefit plan design, realize better health outcomes for their employees and better control health plan costs.

“With unimaginable amounts of data being created daily, employers run the risk of inertia or spiraling into endless reviews of data elements that can lead to nowhere,” said Ricks. “Too much data can be meaningless without minimizing the noise, measuring the right indicators and extracting actionable data tied to your plan’s objectives.”

Grant Owens Named Chief Product & Underwriting Officer, Openly

Grant Owens, chief product & underwriting officer, Openly

Openly, a homeowners insurance platform, announced the appointment of Grant Owens as chief product & underwriting officer. Owens will lead the product team and product development.

Owens joins from Willis Re, where he served as executive vice president. Previously, he was an actuary for Liberty Mutual.

“Grant has a proven track record of developing and deploying innovative platforms and products,” said Ty Harris, co-founder and CEO of Openly.

“He also brings a wealth of experience working with reinsurers, which is a critical part of what makes Openly possible. Most importantly, he has worked at large companies and yet exhibits that innovative, scrappy mindset that is required at an early stage company like Openly. We feel fortunate to have him leading the charge as we build out or products for independent agents and consumers across the country.”

“We are living in a time where customers and independent agents demand a tech-forward insurance product, and I’m grateful to be given the opportunity to lead that charge,” commented Owens. &

Emily Spennato is a former staff writer with Risk & Insurance.

More from Risk & Insurance

More from Risk & Insurance

Risk Scenario

The Betrayal of Elizabeth

In this Risk Scenario, Risk & Insurance explores what might happen in the event a telemedicine or similar home health visit violates a patient's privacy. What consequences await when a young girl's tele visit goes viral?
By: | October 12, 2020
Risk Scenarios are created by Risk & Insurance editors along with leading industry partners. The hypothetical, yet realistic stories, showcase emerging risks that can result in significant losses if not properly addressed.

Disclaimer: The events depicted in this scenario are fictitious. Any similarity to any corporation or person, living or dead, is merely coincidental.

PART ONE: CRACKS IN THE FOUNDATION

Elizabeth Cunningham seemingly had it all. The daughter of two well-established professionals — her father was a personal injury attorney, her mother, also an attorney, had her own estate planning practice — she grew up in a house in Maryland horse country with lots of love and the financial security that can iron out at least some of life’s problems.

Tall, good-looking and talented, Elizabeth was moving through her junior year at the University of Pennsylvania in seemingly good order; check that, very good order, by all appearances.

Her pre-med grades were outstanding. Despite the heavy load of her course work, she’d even managed to place in the Penn Relays in the mile, in the spring of her sophomore season, in May of 2019.

But the winter of 2019/2020 brought challenges, challenges that festered below the surface, known only to her and a couple of close friends.

First came betrayal at the hands of her boyfriend, Tom, right around Thanksgiving. She saw a message pop up on his phone from Rebecca, a young woman she thought was their friend. As it turned out, Rebecca and Tom had been intimate together, and both seemed game to do it again.

Reeling, her holiday mood shattered and her relationship with Tom fractured, Elizabeth was beset by deep feelings of anxiety. As the winter gray became more dense and forbidding, the anxiety grew.

Fed up, she broke up with Tom just after Christmas. What looked like a promising start to 2020 now didn’t feel as joyous.

Right around the end of the year, she plucked a copy of her father’s New York Times from the table in his study. A budding physician, her eyes were drawn to a piece about an outbreak of a highly contagious virus in Wuhan, China.

“Sounds dreadful,” she said to herself.

Within three months, anxiety gnawed at Elizabeth daily as she sat cloistered in her family’s house in Bel Air, Maryland.

It didn’t help matters that her brother, Billy, a high school senior and a constant thorn in her side, was cloistered with her.

She felt like she was suffocating.

One night in early May, feeling shutdown and unable to bring herself to tell her parents about her true condition, Elizabeth reached out to her family physician for help.

Dr. Johnson had been Elizabeth’s doctor for a number of years and, being from a small town, Elizabeth had grown up and gone to school with Dr. Johnson’s son Evan. In fact, back in high school, Evan had asked Elizabeth out once. Not interested, Elizabeth had declined Evan’s advances and did not give this a second thought.

Dr. Johnson’s practice had recently been acquired by a Virginia-based hospital system, Medwell, so when Elizabeth called the office, she was first patched through to Medwell’s receptionist/scheduling service. Within 30 minutes, an online Telehealth consult had been arranged for her to speak directly with Dr. Johnson.

Due to the pandemic, Dr. Johnson called from the office in her home. The doctor was kind. She was practiced.

“So can you tell me what’s going on?” she said.

Elizabeth took a deep breath. She tried to fight what was happening. But she could not. Tears started streaming down her face.

“It’s just… It’s just…” she managed to stammer.

The doctor waited patiently. “It’s okay,” she said. “Just take your time.”

Elizabeth took a deep breath. “It’s like I can’t manage my own mind anymore. It’s nonstop. It won’t turn off…”

More tears streamed down her face.

Patiently, with compassion, the doctor walked Elizabeth through what she might be experiencing. The doctor recommended a follow-up with Medwell’s psychology department.

“Okay,” Elizabeth said, some semblance of relief passing through her.

Unbeknownst to Dr. Johnson, her office door had not been completely closed. During the telehealth call, Evan stopped by his mother’s office to ask her a question. Before knocking he overheard Elizabeth talking and decided to listen in.

PART TWO: BETRAYAL

As Elizabeth was finding the courage to open up to Dr. Johnson about her psychological condition, Evan was recording her with his smartphone through a crack in the doorway.

Spurred by who knows what — his attraction to her, his irritation at being rejected, the idleness of the COVID quarantine — it really didn’t matter. Evan posted his recording of Elizabeth to his Instagram feed.

#CantManageMyMind, #CrazyGirl, #HelpMeDoctorImBeautiful is just some of what followed.

Elizabeth and Evan were both well-liked and very well connected on social media. The posts, shares and reactions that followed Evan’s digital betrayal numbered in the hundreds. Each one of them a knife into the already troubled soul of Elizabeth Cunningham.

By noon of the following day, her well-connected father unleashed the dogs of war.

Rand Davis, the risk manager for the Medwell Health System, a 15-hospital health care company based in Alexandria, Virginia was just finishing lunch when he got a call from the company’s general counsel, Emily Vittorio.

“Yes?” Rand said. He and Emily were accustomed to being quick and blunt with each other. They didn’t have time for much else.

“I just picked up a notice of intent to sue from a personal injury attorney in Bel Air, Maryland. It seems his daughter was in a teleconference with one of our docs. She was experiencing anxiety, the daughter that is. The doctor’s son recorded the call and posted it to social media.”

“Great. Thanks, kid,” Rand said.

“His attorneys want to initiate a discovery dialogue on Monday,” Emily said.

It was Thursday. Rand’s dreams of slipping onto his fishing boat over the weekend evaporated, just like that. He closed his eyes and tilted his face up to the heavens.

Wasn’t it enough that he and the other members of the C-suite fought tooth and nail to keep thousands of people safe and treat them during the COVID-crisis?

He’d watched the explosion in the use of telemedicine with a mixture of awe and alarm. On the one hand, they were saving lives. On the other hand, they were opening themselves to exposures under the Health Insurance Portability and Accountability Act. He just knew it.

He and his colleagues tried to do the right thing. But what they were doing, overwhelmed as they were, was simply not enough.

PART THREE: FALLING DOMINOES

Within the space of two weeks, the torture suffered by Elizabeth Cunningham grew into a class action against Medwell.

In addition to the violation of her privacy, the investigation by Mr. Cunningham’s attorneys revealed the following:

Medwell’s telemedicine component, as needed and well-intended as it was, lacked a viable informed consent protocol.

The consultation with Elizabeth, and as it turned out, hundreds of additional patients in Maryland, Pennsylvania and West Virginia, violated telemedicine regulations in all three states.

Numerous practitioners in the system took part in teleconferences with patients in states in which they were not credentialed to provide that service.

Even if Evan hadn’t cracked open Dr. Johnson’s door and surreptitiously recorded her conversation with Elizabeth, the Medwell telehealth system was found to be insecure — yet another violation of HIPAA.

The amount sought in the class action was $100 million. In an era of social inflation, with jury awards that were once unthinkable becoming commonplace, Medwell was standing squarely in the crosshairs of a liability jury decision that was going to devour entire towers of its insurance program.

Adding another layer of certain pain to the equation was that the case would be heard in Baltimore, a jurisdiction where plaintiffs’ attorneys tended to dance out of courtrooms with millions in their pockets.

That fall, Rand sat with his broker on a call with a specialty insurer, talking about renewals of the group’s general liability, cyber and professional liability programs.

“Yeah, we were kind of hoping to keep the increases on all three at less than 25%,” the broker said breezily.

There was a long silence from the underwriters at the other end of the phone.

“To be honest, we’re borderline about being able to offer you any cover at all,” one of the lead underwriters said.

Rand just sat silently and waited for another shoe to drop.

“Well, what can you do?” the broker said, with hope draining from his voice.

The conversation that followed would propel Rand and his broker on the difficult, next to impossible path of trying to find coverage, with general liability underwriters in full retreat, professional liability underwriters looking for double digit increases and cyber underwriters asking very pointed questions about the health system’s risk management.

Elizabeth, a strong young woman with a good support network, would eventually recover from the damage done to her.

Medwell’s relationships with the insurance markets looked like it almost never would. &

Bar-Lessons-Learned---Partner's-Content-V1b

Risk & Insurance® partnered with Allied World to produce this scenario. Below are Allied World’s recommendations on how to prevent the losses presented in the scenario. This perspective is not an editorial opinion of Risk & Insurance.®.

The use of telehealth has exponentially accelerated with the advent of COVID-19. Few health care providers were prepared for this shift. Health care organizations should confirm that Telehealth coverage is included in their Medical Professional, General Liability and Cyber policies, and to what extent. Concerns around Telehealth focus on HIPAA compliance and the internal policies in place to meet the federal and state standards and best practices for privacy and quality care. As states open businesses and the crisis abates, will pre-COVID-19 telehealth policies and regulations once again be enforced?

Risk Management Considerations:

The same ethical and standard of care issues around caring for patients face-to-face in an office apply in telehealth settings:

  • maintain a strong patient-physician relationship;
  • protect patient privacy; and
  • seek the best possible outcome.

Telehealth can create challenges around “informed consent.” It is critical to inform patients of the potential benefits and risks of telehealth (including privacy and security), ensure the use of HIPAA compliant platforms and make sure there is a good level of understanding of the scope of telehealth. Providers must be aware of the regulatory and licensure requirements in the state where the patient is located, as well as those of the state in which they are licensed.

A professional and private environment should be maintained for patient privacy and confidentiality. Best practices must be in place and followed. Medical professionals who engage in telehealth should be fully trained in operating the technology. Patients must also be instructed in its use and provided instructions on what to do if there are technical difficulties.

This case study is for illustrative purposes only and is not intended to be a summary of, and does not in any way vary, the actual coverage available to a policyholder under any insurance policy. Actual coverage for specific claims will be determined by the actual policy language and will be based on the specific facts and circumstances of the claim. Consult your insurance advisors or legal counsel for guidance on your organization’s policies and coverage matters and other issues specific to your organization.

This information is provided as a general overview for agents and brokers. Coverage will be underwritten by an insurance subsidiary of Allied World Assurance Company Holdings, Ltd, a Fairfax company (“Allied World”). Such subsidiaries currently carry an A.M. Best rating of “A” (Excellent), a Moody’s rating of “A3” (Good) and a Standard & Poor’s rating of “A-” (Strong), as applicable. Coverage is offered only through licensed agents and brokers. Actual coverage may vary and is subject to policy language as issued. Coverage may not be available in all jurisdictions. Risk management services are provided or arranged through AWAC Services Company, a member company of Allied World. © 2020 Allied World Assurance Company Holdings, Ltd. All rights reserved.




Dan Reynolds is editor-in-chief of Risk & Insurance. He can be reached at [email protected]