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RMG Insurance Blog

Employment Practices Liability Basics

Ron Martin - Tuesday, August 08, 2017

Discrimination Claims
Average range of defense costs: $200,000 - $300,000
Timeline for resolution of employment litigation: 18-24 months
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Return of the Agent: Why DIY Does Not Work for Insurance

Ron Martin - Monday, August 07, 2017
personal lines insurance  read more

Reducing the Risk of Child Sexual Abuse

Ron Martin - Thursday, July 06, 2017

According to multiple studies, one out of four girls and one out of six boys will be sexually abused before they reach the age of eighteen.1 Protecting the children your organization supports from a sexual perpetrator is paramount in importance. Given the trust-based nature of this crime, it can be very difficult to detect dangerous behavior(s) until it is too late. Almost 90% of child sexual abuse cases involve a perpetrator that the child knows and trusts, such as a care provider, family friend, coach, student leader, or ministry volunteer.2 Taking additional, cost-effective prevention measures that increase your organization's barriers to this crime remains in the best interests of the children you support.  read more


What’s Next for Cyber Liability Insurance?

Ron Martin - Thursday, March 31, 2016

At long last, most businesses are beginning to understand that cyber insurance is a necessity, not a luxury. “All classes need it. It doesn’t really matter who you are, what you do—you have some exposure,” says Alex Wayne, president of A.J. Wayne & Associates, Inc. “Even if it’s only one record, you have some exposure because if that one record gets breached, you could potentially get sued as a result. There isn’t any discrimination from one class to another.”   read more


Four Myths of Nonprofits

Ron Martin - Monday, September 21, 2015

Four Myths of Nonprofits

Cindy Bergvall, CPA

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Governor Wolf Announces Fee Waivers for Volunteers Seeking Background Checks

Ron Martin - Tuesday, June 23, 2015

Governor Tom Wolf announced today that fees for child abuse clearances and criminal background checks required by the Child Protective Services Law will be waived for volunteers working with children. Additionally, the Department of Human Services (DHS) and the Pennsylvania State Police (PSP) will be reducing the cost of both the child abuse and criminal history record checks from $10 to $8 for all other applicants. These changes will take effect July 25, 2015.  read more


New Laws for PA Organizations Serving Children

Ron Martin - Tuesday, June 23, 2015

We want to make you aware of several new laws that relate to child protection. Some of the laws impact everyone; others are limited to certain industries or licensures. Some of the issues related to compliance are still being worked out by the respective Pennsylvania authorities.

Examples of What's New:
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Should your organization be conducting background checks?

Ron Martin - Thursday, July 03, 2014

reprinted with permission  read more


The Non-Profit Trust-- Cost Saving Alternative to State Unemployment Insurance

Ron Martin - Monday, July 25, 2011

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Employee/Volunteer Use of Personal Vehicles

Ron Martin - Wednesday, July 06, 2011

Many Non-Profit organizations will utilize the vehicles of its employees and volunteers in the course of doing business.  These organizations need to know the exposure they create when doing so, how the organization can be covered and how that affects premiums.

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