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PayneWest Post

Tired of Hearing About the “New Norm?”

By Mindy Carver


A man walks into a Boston bar. As he enters, the patrons and bartender yell out “NORM!” Anyone remember the popular TV series Cheers? Those were the days, am I right? Nobody was yelling out, “NEW NORM!”

So, let’s just get back to “the norm” at least for a moment and talk about errors and omissions! [Stand by for applause.]

COVID-19 has created new challenges and different exposures for our clients but the insurance world has always been ever-changing, albeit sometimes slowly. New exposures and reaction to regulatory enactments have ALWAYS been “the norm” for us.

Back in 1993 when Cheers ended its 11-season run, who had heard of employment practices liability coverage? The first ISO form for employment practices was in 1997. What about “cyber” insurance? Before the Affordable Care Act was enacted in 2010, our Employee Benefits folks were contending with HIPAA and COBRA.

With each new and evolving exposure or regulatory enactment, we must pay close attention to alerting our clients as to whether there is insurance coverage or if our clients are compliant with new statutory obligations.

We are all dealing with a world that is seemingly out or sorts. However, our colleagues at PayneWest have always been able to react and be flexible to the changing risks and regulations. We are fully adept at meeting these challenges, so let’s seize this opportunity to do our thing! Educate yourselves about new exposures (remember – new exclusions create gaps!) and alert our clients about these exposures. Think of innovative ways to educate your clients; meet them virtually; provide them with resource material; become adept and seamless with your technology.

We’ve all discovered how well we can adapt to changes professionally and personally in the last six months. This is and always has been “our norm.” We got this – step up – and do your thing!

Certificates and Designations

  • Greg Beery, Associate in Risk Management (ARM)
  • Darcie Clayton, Certified Risk Manager (CRM)
  • Mac Kirk, Certified Risk Manager (CRM)
  • Marion McCleary, Small Business Coverage Specialist (SBCS)
  • Carol Pearson, Associate in General Insurance (AINS)
  • Brooklyn Reeder, Personal Lines Coverage Specialist (PLCS)
  • Jaci Ruesch, Certified Risk Manager (CRM)
  • Brenda Smith, Construction Industry Technician (CIT)
  • Rhonda Winters, Management Liability Insurance Specialist (MLIS)



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