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Unlike traditional brokers, we use data to help drive our client's decisions... read more

We consider our client's risk transfer options from all angles, making the process easy and efficient... read more

We've employed techniques from a variety of industries to bring our clients an unobstructed view of risk transfer options that is not available elsewhere... read more

Companies can be in business for decades or for sale tomorrow. Their strategy should adapt as their path changes... read more

Running a business means making decisions with limited capital. We fit risk transfer decisions into a company's financial framework... read more

We understand that our clients want a partner who will treat their company like our own... read more

Hidden risks: Vicarious and Contingent Liability

Several recent highly publicized issues show the need to review contracts, insurance requirements for business partners and the insurance your organization carries.

A widely publicized recall of contaminated steroids highlights many professional liability exposures and possible coverage gaps facing professional organizations. A compounding pharmacy in Massachusetts has distributed enough contaminated injections to possibly infect 13,000 people. According to the CDC 76 facilities in 23 states are exposed. The facilities receiving and dispensing the drugs will likely be named in the coming lawsuits, even though the compounding pharmacy is the likely the source of the negligence.

The Jerry Sandusky fallout is also pulling in unsuspecting parties, a PA psychiatric center who referred a teen to Sandusky’s summer camp is being sued for malpractice for making the referral.

Calculated Risk Advisors works with professional service firms to better protect against allegations of malpractice and negligence, helping them think through their contingent liability exposures.

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