Category Archives: Business

Press Releases from the Business World. Announcements, Product releases, Appointments.

Florida With Two-Year Revenue Growth of 276 Percent


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We’re honored to be ranked by Inc. as one of the fastest growing companies in Florida.” says Jagger Esch, Elite Insurance Partners CEO and co-founder. “Our continued growth is all because of our amazing dedicated team who goes above and beyond for our clients.

Inc. magazine today revealed that Elite Insurance Partners is No. 46 on its inaugural Inc. 5000 Series: Florida list, the most prestigious ranking of the fastest-growing Florida-based private companies. Born of the annual Inc. 5000 franchise, this regional list represents a unique look at the most successful companies within the Florida economy’s most dynamic segment—its independent small businesses.

“We’re honored to be ranked by Inc. as one of the fastest growing companies in Florida.” says Jagger Esch, Elite Insurance Partners CEO and co-founder. “Our continued growth is all because of our amazing dedicated team who goes above and beyond for our clients.”

The companies on this list show stunning rates of growth across all industries in Florida. Between 2016 and 2018, these 250 private companies had an average growth rate of 302 percent and, in 2018 alone, they employed more than 56,000 people and added $12.6 billion to the Florida economy. Companies based in the Tampa, Miami, and Naples metro areas

brought in the highest revenue overall.

Complete results of the Inc. 5000 Series: Florida, including company profiles and an interactive database that can be sorted by industry, metro area, and other criteria, can be found at inc.com/inc5000-series-florida-2020 starting March 18, 2020.

“The companies on this list demonstrate just how much the small-business sector impacts Florida’s economy,” says Inc. editor in chief Scott Omelianuk. “Across every single industry, these businesses have posted revenue and growth rates that are beyond impressive, further proving the tenacity of their founders and CEOs.”

CONTACT:

Lindsay Engle

727-306-3479

LEngle@MedicareFAQ.com

More about Inc. and the Inc. 5000 Regional Series

Methodology

The 2020 Inc. 5000 Regional Series is ranked according to percentage revenue growth when comparing 2016 and 2018. To qualify, companies must have been founded and generating revenue by March 31, 2016. They had to be U.S.-based, privately held, for profit, and independent—not subsidiaries or divisions of other companies—as of December 31, 2018. (Since then, a number of companies on the list have gone public or been acquired.) The minimum revenue required for 2016 is $100,000; the minimum for 2018 is $1 million. As always, Inc. reserves the right to decline applicants for subjective reasons.

About Inc. Media

The world’s most trusted business-media brand, Inc. offers entrepreneurs the knowledge, tools, connections, and community to build great companies. Its award-winning multiplatform content reaches more than 50 million people each month across a variety of channels including websites, newsletters, social media, podcasts, and print. Its prestigious Inc. 5000 list, produced every year since 1982, analyzes company data to recognize the fastest-growing privately held businesses in the United States. The global recognition that comes with inclusion in the 5000 gives the founders of the best businesses an opportunity to engage with an exclusive community of their peers, and the credibility that helps them drive sales and recruit talent. The associated Inc. 5000 Conference is part of a highly acclaimed portfolio of bespoke events produced by Inc. For more information, visit http://www.inc.com.

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Why Teen Drivers Should Use Brokerage Websites and Compare Car Insurance Quotes


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“Obtaining affordable coverage can be quite hard for many teen drivers. Luckily, brokerage websites like our own can help teen drivers get the coverage they need at affordable prices”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that explains how teen drivers can save money on car insurance with the help of a brokerage website.

For more info and free car insurance quotes online, visit https://compare-autoinsurance.org/why-should-teenage-drivers-use-compare-autoinsurance-org/.

It’s no surprise for anyone that teen drivers are classified as high-risk by car insurance companies. The lack of driving experience, immature behavior and the statistics that show teen drivers are more prone to accidents, are the reasons why providers charge extra on teenagers’ premiums. To get affordable car insurance, teen drivers can use the services of a brokerage website like Compare-autoinsurance.org.

Teen drivers that visit Compare-autoinsurance.org will have the following benefits:

-Save car insurance money. Teen drivers pay some of the highest car insurance premiums. To save money, teen drivers can visit a brokerage website like Compare-autoinsurance.org and complete an online questionnaire. Comparing the obtained results will help teen drivers save money on car insurance.

  • They can get quotes at any time and from anywhere. The life of a teen driver is quite busy and they can’t afford to spend their time searching for insurance by going from one insurance agency to another. With the help of a brokerage website like Compare-autoinsurance.org, teen drivers can sit in the comfort of their homes while scrolling through different insurance offers. Teen drivers only need an internet connection in order to compare dozens of different insurance deals.
  • Online quotes are accurate. The insurance offers obtained through Compare-autoinsurance.org can be quite accurate. To obtain very accurate quotes, teen drivers need to file an online questionnaire with accurate info. The questionnaire will ask data about the personal details of the teen driver, his car details, and his driving record.
  • Multiple insurance offers on one page. Just like other brokerage websites, Compare-autoinsurance.org is a partner for multiple car insurance companies. For this reason, teen drivers can obtain multiple quotes from different insurance providers that sell policies in their areas.
  • It can help teens decide if it’s time to switch their carriers. Most drivers start to scan the insurance market just before the renewal date. Teen drivers are no exception. Compare-autoinsurance.org can help teen drivers decide if they should remain with their current providers or if it’s time do a switch. Teen drivers that manage to get a better insurance deal, should contact their current insurer first and see if he can make a counteroffer. If the answer is negative, then the teen driver can switch their insurer.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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How To Save Car Insurance Money By Graduating Driver Education Courses


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“Graduating a defensive driving can lower your insurance rates. Besides that, you will learn new safe driving techniques and you will become a better driver”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Drivers attending defensive driving courses will not only get educated about traffic hazards and defensive driving techniques, but they will also get an insurance discount from their insurers. Of course, there are other reasons for attending defensive driving courses.

The main reasons for taking a defensive driving course are the following:

  • Lower insurance rates. Graduating a defensive driving course can decrease the price of car insurance with as much as 10%. Driving courses are done in a classroom, or they can be streamed online, so anyone can have time to attend them. Some states allow one-hour courses, while others require drivers to complete longer courses to qualify for savings. No matter how much time the courses are taking to complete, they are well worth it, because drivers can save even hundreds of dollars.
  • Get rid of points and fines. Policyholders can remove points or dismiss traffic tickets if they are completing a defensive driving course. Too many points can lead to a license suspension. If that happens, the policyholder will have to spend money on cabs, buses or other means of transportation. Graduating a defensive course is an effective way of keeping the driving record clean.
  • Learn safe driving techniques. Road hazards are always present, no matter where the policyholder is driving. Drivers that attend defensive driving courses will learn safe driving techniques that will help them to proactively anticipate and effectively react to a variety of hazards. Also, drivers will learn how to control their emotional states while driving.
  • Become a better driver. It doesn’t matter if the policyholder is a beginner or an experienced driver, there is always room for improving the driving techniques and knowledge. No one can control what happens around them, but they can prepare themselves in order to overcome the hazards while driving,

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, free quotes and money-saving tips, please visit https://compare-autoinsurance.org/

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Sibros Names New Chief Revenue Officer and Head of Marketing to Expand Leadership Team Amid Fast Growth


L: Albert Lilly, Head of Marketing R: Ashu Bhalla, Chief Revenue Officer

I look forward to Ashu’s and Albert’s combined experience to advance Sibros’ position as the Connected Vehicle technology partner of choice for automotive OEMs”, said Hemant Sikaria, CEO of Sibros.

Connected Vehicle platform company Sibros Technologies today announced the expansion of its leadership team by naming Ashu Bhalla as Chief Revenue Officer and Albert Lilly as Head of Marketing.

Ashu Bhalla will be responsible for driving customer-centric growth and increasing Sibros’ presence in both Silicon Valley and automotive strategic regions. Albert Lilly assumes responsibility for customer facing thought leadership, communications, events and digital initiatives.

Ashu brings 20 years experience from enterprise software and management consulting, serving in various executive leadership roles for large global consultancies including Birlasoft, KPIT and Fujitsu.

Albert brings 20 years experience from the enterprise technology space, previously holding marketing leadership roles at IBM, KPIT and at various venture backed startups.

“I look forward to Ashu’s and Albert’s combined experience to advance Sibros’ position as the Connected Vehicle technology partner of choice for automotive OEMs”, said Hemant Sikaria, CEO of Sibros. “They have a rich history of working together in the past which creates a unique sales and marketing synergy to support our next level of growth”, added Sikaria.

The expansion of Sibros’ leadership team comes on the heels of a highly successful 2019 after the company launched its unique Connected Vehicle platform, welcomed a dozen new customers and raised its second round of venture capital.

About Sibros

Sibros’ Connected Vehicle platform connects and manages all in-vehicle software and data between vehicles, networks and the cloud – across the entire lifecycle, from R&D to the last mile. This Ecosystem-as-a-Service approach helps OEMs deliver never-before-available vehicle functionality and personalized mobility services, both remotely and at scale. For more information about the Silicon Valley-based company, visit http://www.sibros.tech.

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An interview with the Benefits Science Technologies Data Science Team Leader, Omid Nohadani


Dr. Nohadani is an optimization and machine learning scientist with a proven track record of developing algorithms and solutions for big-data environments affected by uncertainty and subjected to complex risk measures. He sits down to talk about how the latest innovations in data science provide plan sponsors with powerful new tools that help improve the visibility and analysis of their data and prescribe actions to improve their health plan.

1. What was your role prior to coming to Benefits Science Technologies?

A: Most recently, I worked as an Associate Professor of Industrial Engineering and Management Sciences at Northwestern University. In my research group, we studied dynamic optimization and analytics under uncertainty and risk, with applications in healthcare, supply chain management, analytics, and technology. In particular, we focused on data-driven dynamic systems that rely on human interaction or have decision-makers with complex risk requirements. I received my MS degree in physics from the University of Bonn, Germany and my Ph.D. in physics from the University of Southern California, Los Angeles. I then joined the Operations Research Center at MIT as a postdoctoral researcher, developing novel robust optimization algorithms. As a research fellow and instructor at the Department of Radiation Oncology at Harvard Medical School’s Massachusetts General Hospital, I conducted mathematical research on cancer treatment.

2. What is your role at BST?

A: I lead our data science team of highly talented Ph.Ds. and MSs., who work on core components of our products. Our research team integrates the cutting-edge developments from the scientific communities of optimization and machine learning with the requirements of practitioners to create methods and ultimately products that empower data-driven decisions beyond individual expertise. We leverage the newest research findings to not only analyze the plethora of data sources at BST but also provide predictive and – more importantly – prescriptive insights. This allows for optimal resource allocation and targeted treatments in a timely fashion while maintaining costs.

3. You’ve had a pretty varied career path, what attracted you to BST?

A: My goal as a data scientist is to push the boundaries of science and technology in order to expand our knowledge and to create solutions that affect the world positively. This endeavor typically requires three components: exposure to relevant problems, proximity to cutting-edge science, and access to the real-world, e.g., through observation and data. I have pursued this goal in academic settings for a number of years and realized that while the first two components are available, the access to real-world data is limited. Alternatively, many private organizations pose relevant questions and have access to observations but are often not closely connected to the newest scientific discoveries. At Benefits Science, I was delighted to find a productive combination of all three components in a unique setting as a research-driven endeavor with a mature business model, providing the ideal format to innovate for real-world settings. Moreover, the societal relevance of healthcare elevates the motivation on a personal level and its economic impact promises transformation.

4. Where do you see these capabilities being applied in the healthcare decision space?

A: Benefit plan design is traditionally centered on the expertise of decision-makers. Given the complexity of these products and possible combinations, plan designers resort to last year’s choices to inform the next designs in an iterative fashion. At BST, human expertise is built into an algorithm that leverages all data to provide the optimal design that meets all desired criteria while minimizing costs. BST’s technology is able to efficiently solve large-scale mathematical robust optimization problems that were not possible before. Similarly, risk management is currently guided by broad economic trend analysis and is rarely tailored to the studied cohort. At BST, cohort related factors are also accounted for to not only predict future risk factors of individual members but also to prescribe which proactive steps could advance members’ health and mitigate risks. This could only be made possible at BST by integrating cutting-edge machine learning techniques with the newest optimization algorithms.

5. Interesting, can you give a specific example of how that works?

A: Employers often offer additional wellness and preventive benefits. However, budgetary considerations constrain the portfolio of these benefits. The prescriptive nature of BST’s technologies allows us to optimally tailor the portfolio to a subgroup of employees who have different needs, instead of the current one-size-fits-all approach. For example, members with musculoskeletal problems will be distinguished from those who require dietary support and our methods would help employers best address those needs while maintaining budgets. Moreover, we leverage past performance data to recommend the set of providers who would optimally improve health outcomes.

6. How do you see these types of advancements impacting the future of healthcare analysis?

A: All aspects of healthcare-related decision making, from medicine, delivery, policy, supply chains, and economics are becoming increasingly more data-driven. At BST, we are developing solutions that affect many of these directions. Since accuracy, scalability, and interpretability is at the core of our research and products, I believe we are well equipped to address future challenges. For example, our interpretable care pathways are trained with past data and informed by experts’ knowledge, hence well positioned to curb the increasing occurrence of diabetes in a proactive fashion, improving patient’s health, reshaping treatment schedules, and managing costs. The abundance of data and the emergence of powerful methodologies makes it an exciting time to be a data scientist in healthcare.

About Benefits Science Technologies

BST provides data analytics software/analysis to help manage the risk of self-funded health plans. Plan holders improve their connection to data, empowering optimal decisions to control costs, and improve the quality of care for plan members. The company distributes these capabilities to employers directly, through brokers/consultants, or by association with carriers (stop-loss and voluntary benefits providers), benefits administrators, professional employer organizations, third party administrators, pharmacy benefit managers, and/or cost-containment providers.

Founded in 2012, the company is recognized as a world-leading research and applied science team, developing advanced analytics and robust optimization methodology for complex health insurance decisions. Our mission is to improve health outcomes while lowering costs by helping our clients uncover the details of their health plan – and providing actionable insights along with outcome predictions for the recommended decisions. Our strategy is to build world-class solutions based on cutting-edge scientific insights.

Media Contact

Benefits Science Technologies

Mark Hufham mhufham@benefitsscience.com

###

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Safety Devices That Will Help Drivers Save Car Insurance Money


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“Upgrading your vehicle with the latest safety advancements and technologies, will help you not only to save money on car insurance, but it will help you have a safe car for your family”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that presents several important safety features that can help drivers pay cheaper car insurance premiums.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/the-most-important-safety-features-that-can-help-you-save-money-on-car-insurance/

Safety features that are installed in the vehicles can help drivers save money on insurance. Safety features can protect the driver and the passengers in the event of a collision and some features can even prevent accidents. From these reasons, insurance companies will pay medical bills for fewer accident injuries. To encourage drivers to purchase safer vehicles, insurance companies are offering discounts for the safety features installed in the vehicles. However, not all insurance companies are offering discounts for safety features.

The most important safety features are the following:


  • Airbags. Drivers can get a greater discount if they have a vehicle that has a side curtain and front airbags. Drivers are less likely to experience severe injuries if they have airbags in their cars. As a result, insurance companies will have to pay less out on PIP claims and medical payments claims.
  • Anti-lock brake systems. In the states of New York, New Jersey, and Florida car insurance providers are obliged by the law to give discounts to policyholders who own vehicles with ABS systems. ABS systems can help drivers save money on collision coverage, medical payments, PIP insurance, and liability insurance.
  • Electronic stability control. Some carriers are offering discounts to policyholders who own vehicles equipped with ESC. Electronic stability control will help drivers control their vehicles on icy or wet roads.
  • Seat belts. Discounts for seatbelts are quite new in the insurance industry. Some insurers will offer a 15% discount off medical payment coverage and PIP insurance premiums just for having seatbelts installed in a vehicle.
  • Daytime running lights. This safety feature is present in most modern vehicles and will help drivers have better visibility during the day. In most cases, drivers will get a 5% discount off their liability coverage, medical payment coverage, collision coverage, and PIP premiums.
  • Crash resistant door. Drivers who own vehicles that have doors that feature the latest crash resistance technology, that has safer crumpling on impact, are eligible for a 5% discount.
  • Anti-theft devices. While these systems don’t protect a driver while driving, they will protect a parked vehicle. Insurers will offer discounts that can be as large as 30% for drivers who have advanced anti-theft devices in their vehicles, like ignition kill switches.
  • Lane departure systems. Modern vehicles are equipped with lane departure warning systems or advanced systems that can push a vehicle back to its lane. These systems can prevent drowsy driving and distracted driving. The discount can vary a lot depending on the insurance company and on what type of system is installed in the vehicle.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Billon Group closes $6 Million Series A funding


Billon Group, innovator of a new type of distributed ledger technology (DLT) that processes national currency and business documents with blockchain technologies, has concluded Series A financing with over $6 million of equity being issued to existing and new investors. Participants in this round were led by Billon CEO Wojtek Kostrzewa; investors in the round include FIS, Rising Tide, Mencey Capital, VCF III, existing investors and prominent international managers and experts.

The latest round brings the total funding raised by Billon to over $16 million of grants and equity as the company expands its DLT platform. With this new funding, Billon strengthened its board with the appointment of Wojtek Kostrzewa as CEO and Anand Phanse as CFO to complement the existing management team comprising of Andrzej Horoszczak, co-founder and chief technology officer, Robert Kaluza as chief operating officer, David Putts as chief growth officer and Jacek Figula serving as chief commercial officer.

“Series A funds will be used to scale existing use cases, respond to many new clients and to begin preparation for opening the platform further for third party developers and commercial partners,” said CEO Wojtek Kostrzewa. Commercial partners include FIS, Microsoft, the Polish Credit Bureau, Warta Insurance, Philip Morris and over a dozen clients in various stages of scaling.

The news of Billon’s Series A funding comes as national banks across the globe are actively seeking “cash-on-chain” blockchain architectures that comply with existing regulatory structures for digitized national currencies. Billon, as a registered e-money issuer in both the UK and Poland, is an industry leader in creating solutions levering its Distributed Digital Cash architecture, a system that meets existing payment requirements without modification.

Billon is also expanding its Trusted Document Management capabilities, which include the ability to secure complex data sets “on chain” and selectively share data elements, as opposed to architectures based on Ethereum or similar architectures which typically store documents off-chain with the full cost of back-up, and then link such documents to a hash, effectively failing to eliminate the legacy systems that DLT is intended to eliminate.

About Billon

Billon created the first enterprise DLT system unifying national currency transactions, document management, and identity management into a single architecture. The system solved the challenge of transacting micropayments at scale, and it also encrypts documents and data on-chain, unleashing the transformational capabilities of blockchain technologies in the regulated world. Billon’s high-performance DLT system is designed to deliver tangible business results in the areas of digitised cash, trusted documents and identity & data sharing.

Billon Group Ltd. was founded in the UK in 2015, following several years of R&D in Poland. Its unique DLT protocol has been supported by many R&D grants, including the EU Horizon 2020 program. Billon is licensed to issue electronic money by regulators in the UK and Poland and employs a global team of more than 90 people in its two offices in London and Warsaw.

Billon works to implement its technology commercially with leading business partners, such as FIS in the US and BIK (the Polish credit office) in Poland. In 2018, the company joined the FIS Venture Center accelerator, and won the Global FinTech Hackcelerator at the Singapore FinTech Festival, showcasing a solution to zero-cost blockchain micropayments. Most recently, Billon entered the Elevator Lab accelerator, qualifying to work with Raiffeisen Bank International on e-money transactions with digitised euro on DLT. For more information, visit http://www.billongroup.com.

Media Contacts:

Maciej Józefowicz

Head of PR & Communication

maciej.jozefowicz@billongroup.com

tel. 0048 734 443 023

In North America:

Nancy Broe

nbroe@fulltiltconsulting.com

tel. +1 (678) 230-9146

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First Chicago Insurance Company Celebrating 100th Anniversary in 2020


The company was started in 1920 by members of the Chicago District Ice Association who partnered to form the Chicago Ice Producers Mutual Liability Company.

The story of First Chicago is one of innovation, resilience, and commitment to its customers, The company would not be where it is today without the tremendous contributions of past and current employees as well as generations of loyal customers who have helped us reach this monumental milestone.

First Chicago Insurance Company (First Chicago), a mid-sized, regional insurance carrier that specializes in personal and commercial auto lines, is celebrating its 100th anniversary of service in 2020.

The company was started in 1920 by members of the Chicago District Ice Association who partnered to form the Chicago Ice Producers Mutual Liability Company. Originally based in downtown Chicago, Illinois, the company initially offered workers’ compensation, public liability, and property damage insurance to members of the ice and coal industries with its first written policies effective January 1, 1921. Today, it is wholly owned subsidiary of Warrior Invictus Holding Company, controlled by longtime insurance executive Jim Hallberg.

“The story of First Chicago is one of innovation, resilience, and commitment to its customers,” Hallberg said. “The company would not be where it is today without the tremendous contributions of past and current employees as well as generations of loyal customers who have helped us reach this monumental milestone. We are excited to celebrate this accomplishment, but also recognize there is more work to be done to achieve our ambitious goals for First Chicago.”

Through the years, First Chicago has evolved into a regional, multi-line carrier that currently offers personal auto, commercial auto, taxi and livery, workers’ compensation, general liability, and short term health insurance lines through a network of independent producers in multiple states, primarily in the Midwest. The company’s centennial anniversary plans include a promotional contest for independent producers as well as a monthly newsletter series that draws from First Chicago’s rich history in the insurance industry.

“It has been exciting to work with the ownership and management team at First Chicago for the past six years,” said Michael Rosenstein, President of First Chicago. “Our employee base is one of the best, with dedicated individuals who like to work hard and also have a little fun along the way. Our family atmosphere contributes to a fantastic work-life balance. Here is to hoping for a successful and eventful next 100 years!”

In the 1930s, the company expanded into the private passenger auto insurance market, opening its services up to referrals of family, friends, and business acquaintances from its members. In the decades that followed, First Chicago began to shift its focus from commercial insurance to personal auto insurance, temporarily dropping general liability and workers’ compensation insurance in the early 1990s. In 1991, the company changed its distribution system from direct writing to partnering with independent producers, which has allowed the company to expand its footprint in the non-standard auto market.

“There was a time when I didn’t know whether First Chicago would make it to 100 years. We knew that we needed to automate if we were going to survive,” said John Gettemans, who retired as President of First Chicago in 2013. “I’m proud of what this company has been able to accomplish. It’s been an enjoyable experience, I’m fortunate and blessed to have been a part of it.”

In 2006, the company was converted from a mutual form of governance to a stock company and renamed First Chicago Insurance Company. First Chicago has had five presidents in its history: Joseph Moudry from 1920 until 1965; Herbert Choice from 1965 until 1977; Thomas Dockery from 1977 until 1989; John Gettemans from 1989 until 2013; and Mike Rosenstein from 2014 to present.

About First Chicago Insurance Company

First Chicago Insurance Company (FCIC), whose roots trace back to 1920, is celebrating its 100th anniversary. Over the timespan, FCIC has evolved into a multi-line carrier, now offering General Liability, Workers’ Compensation, and writing various classes of Commercial Auto, in response to the needs of the commercial segment. In personal lines, FCIC has responded to the changing exposures and needs of their independent producers by adding niche insurance products such as Contents PLUS Renters, Transportation Network Coverage, as well as Short Term Health insurance to enhance their personal lines offerings. FCIC currently offers insurance via independent agencies and the Internet throughout Illinois, Indiana, Iowa, Kansas, Louisiana, Missouri, Pennsylvania, Texas, and Wisconsin. Headquartered in Bedford Park, FCIC is located at 6640 S. Cicero, Ave., Bedford Park, IL 60638. 1-888-262-8864 http://www.FirstChicagoInsurance.com

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Ricardo Braga Joins Lowers Forensics International in Sao Paulo as Director of Brazil Operations


Welcome Ricardo Braga, Director of Brazil Operations, Lowers Forensics International

We are incredibly pleased to offer the caliber of Ricardo’s experience to meet the needs of our clients in Brazil.

Lowers Forensics International, a globally-recognized financial forensics firm, announces the appointment of Ricardo Braga as Director of Brazil Operations. Ricardo joined the firm on February 12th, following more than 20 years of work experience in multinational industries, including Big Four consulting. Braga offers expertise in compliance projects, fraud investigations, internal audit, and internal control engagements.

Before joining Lowers Forensics International, Braga served as compliance and forensic manager at Deloitte Touche Tohmatsu Brazil, where he managed a wide range of forensic engagements, including direction of the closeout team which was responsible for document and information discovery in a renowned mining-related disaster in Brazil.

At Lowers Forensics International, Braga will bring his expertise to bear on assignments including business interruption, fraud, and special investigations. He will lead the company’s operations in Brazil, ensuring excellence in customer engagement and service delivery.

“We are incredibly pleased to offer the caliber of Ricardo’s experience to meet the needs of our clients in Brazil,” remarks Carlos Rivera, Director of Latin American Operations for Lowers Forensics International. “He is a results-oriented leader with the technical and analytical know-how we believe will lead to exceptional results for our clients and the organization at large,” Rivera adds.

To reach Ricardo Braga call +55 11 99406 8896 or visit lowersforensics.com.

About Lowers Forensics International, LLC

Lowers Forensics International is a financial forensics firm offering expertise in insurance claims accounting, litigation support, investigative services, and expert testimony to support organizations worldwide. The company maintains offices across the globe to serve the needs of insurance companies, attorneys, and private and public entities in order to transform complex financial information into clear evidence.

For more information about Lowers Forensics International, visit lowersforensics.com.

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Top Ways To Lower Car Insurance Premiums


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“Although car insurance can get expensive for many drivers, there are many methods that can help them pay affordable insurance rates”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that explains how drivers can obtain cheaper car insurance rates.

For more information and free online car insurance quotes, please visit https://compare-autoinsurance.org/lower-car-insurance-premiums/

The costs of car insurance can be as high as several thousand dollars per year. Multiple factors are used by car insurance companies in order to determine the costs of the premiums. Some of these factors can be modified and can help the drivers to obtain lower car insurance rates.

The best methods used to obtain cheaper car insurance are the following:


  • Select a higher deductible. The policyholder can decide how much money they can pay for a deductible. The deductible is the amount a driver has to pay upfront before the insurance kicks in. Drivers who choose higher deductible levels will pay lower insurance premiums.
  • Good driver discount. To encourage safe driving, insurance companies are offering significant discounts to drivers that manage to keep their driving records clean for a certain period.
  • Purchase a vehicle that is cheap to insure. Policyholders that are looking to buy a new vehicle, should take the price of insurance into consideration when choosing a car. Muscle cars, limousines, exotic cars should be avoided to purchase by drivers that want cheaper car insurance. Slightly used family cars or sedans that have several safety features installed are ideal for drivers that want to save money on car insurance.
  • Graduate a defensive driving course. Drivers that attend and manage to graduate a defensive driving course will gain a discount if they submit proof to their insurers. Besides gaining a discount, drivers will improve their driving skills and knowledge.
  • Drive fewer miles. Drivers that are driving fewer miles than usual, should contact their provider and check if they are eligible for a low mileage discount.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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