Malaysia: Takaful companies advised to consider merging
Takaful firms in Malaysia have been advised to consider merging soon due to potential limited growth prospects and strong competition, particularly with the approaching de-tariffication of fire and motor insurance in 2016. The takaful sector is …
Read more on Business Insurance

Insurance units a lift to First Niagara, M&T
The top two banks in Western New York earned a combined $ 112 million last year in insurance brokerage fee income, according to Insurance Journal East magazine. First Niagara Bank's earnings of $ 72.6 million put the Buffalo-headquartered bank in the No …
Read more on Business First of Buffalo


Ix-Im Bank: Small business lifeline or corporate welfare?
He turned to the Export-Import Bank , a little known but recently controversial government agency that supports U.S. exports through loans to foreign buyers, loan guarantees and insurance against deals gone bad. Since 2009, Ex-Im has supported an …
Read more on Insurance News Net

Canton agency customizes insurance
Observer: Do you have a funny tidbit or story to share with our readers about your experience so far as a small business owner? Nationwide: Insurance protects our most valuable assets, our homes and cars, which are two of the largest assets we will own.

Iowa family gets USDA grant for milk, ice cream processing
In that time, the USDA has provided resources for 16,000 rural ownership opportunities and more than 10,000 conservation contracts, 1,800 renewable energy projects, 20 small business grants and loans, 90 water projects, 25 electric transmission …
Read more on Quad City Times


Minneapolis, MN (PRWEB) August 11, 2014

Live Very Well is excited to announce the launch of its new private insurance exchange This multi-carrier platform will offer users the ability to quote, compare and purchase individual dental insurance, along with the unique ability to read user reviews to find the right dental plan to meet their needs.

Available in all 50, Live Very Well is an ideal solution for retirees, employers currently not offering employee benefits and independent, contract or part-time employees. With the growth in small business start-ups, self-employed individuals and senior markets, in addition to an increasing shift to defined contribution health plans, the demand for simplified dental coverage has never been greater.

Live Very Well will offer a mix of plan designs from various insurance carriersdesigned to tailor to a variety of budget and benefit needs. Through the use of innovative comparison and shopping tools, educational resources and user reviews, Live Very Well empowers individuals and families to make the right dental insurance purchasing decisions.

As consumers are being required to take on the responsibility of securing their own health insurance benefits, Live Very Well is equipped to help consumers navigate the complex market, said Mark Zesbaugh, CEO of Live Very Well. Live Very Wells streamlined shopping experience, paired with the ability to use customers experience and reviews as guidance, creates a more personalized customer experience that nicely meets the needs of consumers who are taking on a newly expanded role in healthcare.

Starting out, Live Very Well will specialize in individual dental insurance, with a goal of expanding to other ancillary benefits and adding more carriers to the platform in the coming months.

About Live Very Well: is a private insurance exchange that offers a selection of dental insurance plans from leading insurance companies. With products available for sale in all 50 states, plans are available to quote, compare and purchase online. Thanks to the innovative website, online tools, education resources and knowledgeable licensed insurance agents, individuals and families will discover that purchasing insurance can be simple and affordable.

For more information, visit

More Small Business Insurance Press Releases


Star Tribune (Minneapolis) Lee Schafer column
To me, this little fee looks like pure small-business improvisation in the face of a very big challenge. It might have been the … Occupancy, insurance, utilities and other operating expenses together were a little more than $ 500,000 . But the biggest …
Read more on Insurance News Net

NAHU names award after Santa Fe insurance broker and industry leader
"We had to form an answer, and we created a nonprofit medical pool for small businesses." Twenty years later, the Affordable Care Act has once again made brokers wonder if their jobs will be eliminated, Sperling said. "We are all so nervous about what …
Read more on Albuquerque Business First

Perry talks regulations, health care, with small-business owners
A lack of certainty from Washington D.C., on health care, taxes and government regulation is keeping U.S. small-business owners from investing in their companies and hiring more workers, U.S. Rep. Scott Perry said Wednesday. The York County Republican …
Read more on York Daily Record


(PRWEB) August 05, 2014

The principals of The Williams Group (TWG), a management consulting firm specializing in human resource management and employee relations, shared their HR expertise in a point/counterpoint format before the Energy Battery Groups Annual Convention in Anaheim, California. The presentation presented both the employer and employee perspective on potentially litigious employment issues and was well received by the group of 450 convention attendees.

T. Hensley Ted Williams, J.D., Principal Consultant at TWG, and his son Joshua R. Williams, Esq., Managing Attorney at JRW Law, made a joint presentation to the group with Ted Williams representing the employer and Joshua Williams the employees. The presentation reviewed strategies, tactics, and approaches to address a variety of employee relations issues, including:

Hiring, firing and employee evaluations
Training managers and supervisors
Employee handbooks and their legal importance
Overtime issues and back-pay
Sexual harassment and discrimination
Vacation and paid sick leave
Workers compensation and unemployment insurance claims
The Affordable Health Care Act and its impact
During the presentation, Ted Williams offered specific examples demonstrating how employers could avoid frivolous lawsuits and prevent management errors that could result in employee lawsuits. Joshua Williams offered the alternate perspective, reviewing the weaknesses he looks for in employment cases and how he exploits those employer weaknesses to win large court and pre-court settlements.

Our trademark is to go beyond the talking heads and deliver a more lively presentation approach, said Ted Williams. In fact, EBG President Rick Hallock said we are just what the doctor ordered, giving EBG business owners and manager more insight than they get from similar presentations. We often address topics related to executive management and employment strategies, and we always use a more dramatic approach to make the information more memorable and more interesting.

In addition to one-to-one consulting, TWG offers HR seminars and workshops covering a wide range of timely topics. Seminars average from one to four hours and are accompanied by workbooks, case studies, interactive discussions, and more.

For more details about TWGs complete consulting and seminar series, visit

About The Williams Group

Based in Des Moines, the Williams Group offers full-service human resource and management consulting and training to management in both the private and public sectors. The firm specializes in working with small start-ups and companies that are expanding to become larger corporations with 10,000 or more employees.

The Williams Group offers extensive coaching and guidance to employers, and advises employees looking for new strategies to thrive in the 21st century workplace. The Williams Group has a national practice, and consultants are available on-site, via Skype, FaceTime, Google+, or video teleconference to resolve workforce and workplace issues.

For more information, visit

More Small Business Insurance Press Releases


(PRWEB) August 07, 2014

Describing his revealing new work Chambers says: The book is an honest reflection on a life-changing situation for all involved. The plot, the characters, and the time-line are all based on true facts. The message, like the plot, is real and founded in holding onto hope while suffering through the consequences of your actions.

Published by New York City-based Page Publishing, Jagada Chamberss intriguing tale is descriptive and engaging, drawing the reader into the storyline.

The series begins with the first book showing his journey taken through the justice system along with dealing with the ramifications of his choices in his academic and personal life. The second of the series will give the raw and revealing truth of his journey behind bars. The third will explore his release and transition back into society filled with contentment as well as unexpected challenges.

Jagada Chambers is a professional sports journalist who resides in California with his wife and son. He plans to travel as a motivational speaker warning college students of the dangers of spring break and the prison systems promoting a positive release into society.

Readers who wish to experience this uplifting work can purchaseBased On a True Story at bookstores everywhere, or online at the Apple iTunes store, Amazon, Google Play or Barnes and Noble.

For additional information, review copies or media inquiries, contact Page Publishing at 866-315-2708.

About Page Publishing

Page Publishing is a traditional New York based full-service publishing house that handles all of the intricacies involved in publishing its authors books, including distribution in the worlds largest retail outlets and royalty generation. Page Publishing knows that authors need to be free to create – not bogged down with complicated business issues like eBook conversion, establishing wholesale accounts, insurance, shipping, taxes and the like. Its roster of authors can leave behind these tedious, complex and time consuming issues, and focus on their passion: writing and creating. Learn more at


Farnborough, United Kingdom (PRWEB UK) 30 July 2014

From 1 July all ISA accounts become NISAs reports Mike Morris, Technical Manager at Origen Financial Services. This applies equally to any new accounts subscribed to and any existing accounts. Mike details the key changes below:

The annual allowance increases to


(PRWEB) July 29, 2014

The Tissue Diagnostics Market by Technology (Immunohistochemistry, in Situ Hybridization, Digital pathology & Workflow, Special Staining), Disease (Breast Cancer, Gastric Cancer, Lymphoma, Prostate Cancer, Non Small Cell Lung Cancer and Others), Product (Instruments and Consumables), End-Users (Hospitals, Pharmaceutical companies, Research Laboratories, Contract Research Organizations and Others) & by Region (The Americas, Europe, BRIC, Japan & RoW) – Trends & Forecast to 2018 provides a detailed overview of the major drivers, restraints, challenges, opportunities, current market trends, and strategies impacting the global tissue diagnostics market along with the estimates and forecasts of the revenue and share analysis.

The global tissue diagnostics market is expected to grow at a CAGR of close to 6.97% between 2013 and 2018, to reach $ 3,924.01 million by 2018.

For Further Inquiries:

According to GLOBOCAN, about 14.1 million new cancer cases and 8.2 million cancer-related deaths were recorded globally in 2012. Based on GLOBOCANs statistics, the International Agency for Research on Cancer (ICRA) and the World Health Organization (WHO) have estimated that by 2025, around 19.3 million new cancer cases are expected to occur per year. Tissue diagnostic tests are primarily used for screening, diagnosis, determining the prognosis, and monitoring the response to the therapy for cancer. Rising incidence of other chronic diseases, aging population, and increasing healthcare spending will aid the growth of the global tissue diagnostics market. Furthermore, the Patient Protection and Affordable Care Act (PPACA) introduced in the U.S. in March 2010 is expected to expand the insurance access to more than 30 million U.S. citizens. This is expected to drive the demand for advanced cancer diagnostics, including tissue diagnostics, in this important geographic segment.

The tissue diagnostics market includes a number of highly specialized diagnostic tests based on immunohistochemistry, in situ hybridization, and special staining. This market includes instruments and consumables for each of these diagnostic procedures. Furthermore, there are separate and highly specific test kits which are based on multiple markers for different types of cancers. These test kits depend on the large number and patterns of multiple cell surface markers to identify cancer cells and differentiate between different types of cancer cells. As such, these test kits allow for identification of not just the type, but also the stage and prognosis of multiple types of cancers. Furthermore, tissue diagnostic-based products are also being used as companion diagnostics for identifying treatment-responsive clinical trial candidates for investigational drug products. With a large number of products present in the tissue diagnostics market, it becomes important to identify the current market size and future market potential for each of them. This information will enable market players make well informed decisions about growth strategies in this highly competitive and rapidly evolving market.

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Organizational diagnostics market, including immunohistochemistry and in situ hybridization, special staining based on a number of professional diagnostic tests. This market includes tools and supplies in each diagnostic method. In addition, the number of marks as there is different types of cancer with high specificity, respectively, based on a detection kit. Testing of these groups will depend on a large number of surface markers used to identify a pattern and some tumor cells and various types of differentiated cells in the tumor cells. Therefore, these test kits allow the identification of not only the type, but there are also staging and prognosis of many types of cancer. Moreover, according to the organization’s diagnostic products are also being used as a diagnostic to identify response processing associated with the study drug candidates in clinical trials. Due to a large number of diagnostic tissue products on the market becomes very important to determine each of them market the current market size and growth potential. This information will allow market participants to decide in this highly competitive and rapidly changing market of the future strategy of fully informed.

Based on geography, the global tissue diagnostics market is segmented into the Americas, Europe, BRIC, Japan, and the Rest of the World (RoW). The Americas is further divided into regional segments, such as U.S., Canada, Mexico, Chile, and the Rest of the Americas. The Europe segment is further divided into the regional segments of Germany, France, Italy, Spain, the U.K., and the Rest of Europe. The BRIC segment includes the regional segments of Brazil, Russia, India, and China.

The major players in the tissue diagnostics market are Agilent Technologies (U.S.), Abbott Laboratories (U.S.), Bio SB (U.S.), Biogenex Laboratories (U.S.), Cell Signaling Technology (U.S.), Danaher Corporation (U.S.), Life Technologies (U.S.), Roche Diagnostics (Switzerland), Sigma-Aldrich (U.S.), and Thermo Fisher Scientific (U.S.).

Browse Related Reports:

Molecular Diagnostics Market by Application (Infectious Disease, Oncology, Genetics, Microbiology), Technology (PCR, INAAT, DNA Sequencing), End User (Hospital, Laboratories), Product (Instruments, Reagent, Service, Software) – Global Forecasts to 2018

Point-Of-Care Diagnostics/Testing Market by Products (Glucose Monitoring & Infectious Diseases Testing Kits, Cardiac & Tumor Markers), by End Users (Self & Professional Monitoring), Over the Counter & Prescription Based – Global Forecast to 2018

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Long Beach, CA (PRWEB) July 31, 2014

Global eCommerce, ERP, CRM, and POS solution provider Ignify is pleased to announce it ranked #19 on Accounting Todays 2014 VAR 100 List, which includes the 100 fastest growing value-added resellers (VARs).

We are honored to be recognized on such a prestigious VAR listing, said Sandeep Walia, Chief Executive Officer of Ignify. As we experience steady growth, the team at Ignify continues to focus on developing innovative technology and solutions while providing the highest level of customer support during software deployments.

Ignifys organic growth in both staff size and revenue greatly contributed to its high placement on this years VAR 100. This is the second time Ignify has joined other top VARs in Accounting Todays annual ranking.

As the company has grown, so has the target size of Ignifys clients. For the past couple years, Ignify has transformed its sales strategy and implementation processes organization-wide to actively target and support companies in the high enterprise-level club companies that are a billion-dollar plus in annual revenue.

It is Ignifys continued dedication to successful business system implementation and unmatched customer support that sets the company apart from others, said Pankaj Kumar, Chief Technology Officer of Ignify. We are proud that successful customer wins and successful business solution go-lives have validated our continued efforts to target larger companies.

Ignify offers enterprise resource planning (ERP) software solutions that go beyond the typical VAR model, building solutions on top of Microsoft Dynamics AX technology to better serve companies by industry. Ignify has developed proprietary solutions in the following areas: ERP for Banking and Financial Institutions; ERP for Property and Real Estate Management; ERP for Sea Ports and Maritime Businesses; CRM for Insurance and CRM for Banking.

Ignify also has independent software vendor (ISV) solutions that supplement organizations online sales channels and order entry processes: Ignify eCommerce and Ignify Order Entry.

With all of these different systems, Ignify works to provide the right solution for the right industry, facilitating growth, productivity, and profitability. This type of market growth and client sophistication has allowed Ignify to transcend the VAR classification into that of a systems integrator and a professional knowledge firm.

With 400 employees worldwide, Ignify provides software solutions for businesses and public sector organizations across the globe. Ignifys team members come from industries such as retail, distribution, and financial services, and have rich management consulting and technology solutions experience. The teams industry knowledge and implementation expertise makes it possible to further develop cutting-edge business software solutions that best meet clients needs.

About Ignify

Ignify is winner/finalist of the Worldwide Microsoft Partner Award in 2014, 2013, 2012, 2011, and 2010, and offers eCommerce, ERP, CRM, Order Management and POS solutions based on the Microsoft Dynamics line of products. Ignify has been included as the fastest growing business in North America for seven years in a row by Deloitte, Inc. Magazine and Entrepreneur Magazine. Ignify has team members worldwide including Los Angeles, Silicon Valley, Seattle, Nashville, Phoenix, Toronto, Manila, Singapore, Kuala Lumpur, Pune, Bangalore, and Bangkok. For more information, visit or call 888 IGNIFY5. Follow Ignify on Twitter @ignifydax, @ignifyecommerce, and @ignifymscrm, or read its blog at


Melbourne, Australia (PRWEB) July 21, 2014

In the Insurance Brokerage industry, rising premiums and a strong consumer preference for purchasing insurance from brokers have been pushing industry revenue upwards. Insurance brokers provide impartial advice and expertise to commercial and private consumers purchasing insurance. Brokers are able to explain the insurance process and match the client to the most suitable products. Brokers benefit insurers in that they act as a distribution network and sales team. Strong insurance sales have led to increased commissions for the industry, with industry revenue forecast to rise by an annualised 2.6% over the five years through 2014-15. This growth includes a rise of 3.4% in 2014-15, to reach $ 12.3 billion. According to IBISWorld industry analyst Stephen Gargano, despite the strong revenue growth over the past five years, the industry faces intensifying competition from underwriters and banks. Underwriters are investing in online sales capabilities and new sales channels such as bancassurance, whereby insurance is sold through partnerships with banks. These efforts aim to reduce insurance providers’ reliance on agents and brokers.

Brokers have successfully guarded their distribution share by providing knowledge-intensive services to augment traditional insurance policy sales and by focusing on more profitable markets such as the commercial segment, says Gargano. This new focus from brokers is expected to continue as direct competition from insurers intensifies. The industry is expected to grow further over the next five years. Profit is expected to strengthen, as premium prices rise and many brokers consolidate to save costs on administration. Increasing consolidation will allow operators to combine revenue streams, improve operating efficiency and maximise profit. This trend towards consolidation is expected to reduce the number of enterprises operating in the industry over the next five years.

The Insurance Brokerage industry is subject to a low level of market share concentration. The market is highly fragmented and has many small businesses and independent insurance brokers. Major insurance broking companies in Australia include Aon Corporation, Marsh Mercer and Jardine Lloyd Thompson, all of which are internationally owned. OAMPS, previously Australia’s largest insurance broker, was acquired by Arthur J. Gallagher & Co in June 2014. Former owner Wesfarmers had previously scaled back the operations of OAMPS, which decreased industry concentration significantly. There are many very small firms operating in the industry that do not have the resources or expertise to service large clients or clients that require specialist services, such as risk consultation, in addition to regular broking services. Many of the larger agents and brokers usually contract business from smaller agents (sharing commissions) and in return provide the smaller agents with services (such as research, agent training and computer software).

For more information, visit IBISWorlds Insurance Brokerage report in Australia industry page.

Follow IBISWorld on Twitter:!/ibisworldau

IBISWorld industry Report Key Topics

This industry includes individuals and businesses that act primarily as agents or brokers in selling annuities and insurance policies. Industry participants earn commission income, mostly as a percentage of the premium of insurance policies sold. They also earn fee income for risk management consulting and claim assessment and adjustment services. Foreign-based insurance underwriters that mainly engage in insurance broking domestically are also included in this industry.

Industry Performance

Executive Summary

Key External Drivers

Current Performance

Industry Outlook

Industry Life Cycle

Products & Markets

Supply Chain

Products & Services

Major Markets

International Trade

Business Locations

Competitive Landscape

Market Share Concentration

Key Success Factors

Cost Structure Benchmarks

Basis of Competition

Barriers to Entry

Industry Globalisation

Major Companies

Operating Conditions

Capital Intensity

Technology & Systems

Revenue Volatility

Regulation & Policy

Industry Assistance

Key Statistics

Industry Data

Annual Change

Key Ratios

About IBISWorld Inc.

Recognised as the nations most trusted independent source of industry and market research, IBISWorld offers a comprehensive database of unique information and analysis on every Australian industry. With an extensive online portfolio, valued for its depth and scope, the company equips clients with the insight necessary to make better business decisions. Headquartered in Melbourne, IBISWorld serves a range of business, professional service and government organisations through more than 10 locations worldwide. For more information, visit or call (03) 9655 3886.

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