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	<title>Caitlin Morgan Insurance Services</title>
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	<link>http://www.caitlin-morgan.com</link>
	<description>Wholesale Insurance and Management Programs</description>
	<lastBuildDate>Tue, 21 Feb 2012 14:37:07 +0000</lastBuildDate>
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		<item>
		<title>Cyber Bullying Vs The First Amendment: A Supreme Court Issue</title>
		<link>http://www.caitlin-morgan.com/blog/cyber-bullying-vs-the-first-amendment-a-supreme-court-issue</link>
		<comments>http://www.caitlin-morgan.com/blog/cyber-bullying-vs-the-first-amendment-a-supreme-court-issue#comments</comments>
		<pubDate>Tue, 21 Feb 2012 14:37:07 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Educational Insurance]]></category>
		<category><![CDATA[Cyber Bullying]]></category>
		<category><![CDATA[Education Insurance]]></category>
		<category><![CDATA[first amendment]]></category>
		<category><![CDATA[higher education facilities]]></category>
		<category><![CDATA[private & charter schools]]></category>
		<category><![CDATA[public schools]]></category>
		<category><![CDATA[schools for special needs]]></category>
		<category><![CDATA[universities]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=614</guid>
		<description><![CDATA[Bullying at our educational schools has been a top-of-mind challenge over the last several years. Part of the overall problem is the epidemic of cyber bullying, which poses new risks for educators. And these issues are not isolated to student-on-student &#8230; <a href="http://www.caitlin-morgan.com/blog/cyber-bullying-vs-the-first-amendment-a-supreme-court-issue">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/cyber-bullying-vs-the-first-amendment-a-supreme-court-issue/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Commercial Property Rates Stabilizing As We Enter 2012</title>
		<link>http://www.caitlin-morgan.com/blog/commercial-property-rates-stabilizing-as-we-enter-2012</link>
		<comments>http://www.caitlin-morgan.com/blog/commercial-property-rates-stabilizing-as-we-enter-2012#comments</comments>
		<pubDate>Tue, 14 Feb 2012 14:42:06 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Commercial Property]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[Commercial Property Rates Stabilizing As We Enter 2012]]></category>
		<category><![CDATA[Commerical Property]]></category>
		<category><![CDATA[How are the Commerical Property in 2012]]></category>
		<category><![CDATA[Rates]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=607</guid>
		<description><![CDATA[In December, commercial property rates increased two percent, according to MarketScout, an insurance distribution and underwriting company headquartered in Dallas, Texas. Additionally, property catastrophe prices for January renewals are firming due to loss and layers affected, the frequency of events &#8230; <a href="http://www.caitlin-morgan.com/blog/commercial-property-rates-stabilizing-as-we-enter-2012">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/commercial-property-rates-stabilizing-as-we-enter-2012/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Captives Offer High Net Worth Individuals Control</title>
		<link>http://www.caitlin-morgan.com/blog/captives-offer-high-net-worth-individuals-control</link>
		<comments>http://www.caitlin-morgan.com/blog/captives-offer-high-net-worth-individuals-control#comments</comments>
		<pubDate>Tue, 07 Feb 2012 14:30:39 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Captive Solutions]]></category>
		<category><![CDATA[High Net Worth]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[MGA]]></category>
		<category><![CDATA[Wholesaler]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=602</guid>
		<description><![CDATA[About a year ago actor Tom Hanks and his wife Rita Wilson sued their insurance agency for gross overcharging of various policies. Hanks and Wilson used the same California agency for more than 20 years to procure homeowners, directors and &#8230; <a href="http://www.caitlin-morgan.com/blog/captives-offer-high-net-worth-individuals-control">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/captives-offer-high-net-worth-individuals-control/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Educational Institutions Increasingly Vulnerable to Student Identity Theft, Data Breaches</title>
		<link>http://www.caitlin-morgan.com/blog/educational-institutions-increasingly-vulnerable-to-student-identity-theft-data-breaches</link>
		<comments>http://www.caitlin-morgan.com/blog/educational-institutions-increasingly-vulnerable-to-student-identity-theft-data-breaches#comments</comments>
		<pubDate>Tue, 17 Jan 2012 13:02:04 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Educational Insurance]]></category>
		<category><![CDATA[Data Breaches]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Social Security Numbers in Schools]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=588</guid>
		<description><![CDATA[When insuring an educational facility – whether a public school, private and charter schools, special need schools, or universities – as their broker you understand the broad range of exposures they face and the coverages and loss-control solutions they need &#8230; <a href="http://www.caitlin-morgan.com/blog/educational-institutions-increasingly-vulnerable-to-student-identity-theft-data-breaches">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/educational-institutions-increasingly-vulnerable-to-student-identity-theft-data-breaches/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Look to Caitlin-Morgan as 2012 Sees Pricing Firming Up</title>
		<link>http://www.caitlin-morgan.com/blog/look-to-caitlin-morgan-as-2012-sees-pricing-firming-up</link>
		<comments>http://www.caitlin-morgan.com/blog/look-to-caitlin-morgan-as-2012-sees-pricing-firming-up#comments</comments>
		<pubDate>Tue, 10 Jan 2012 13:00:18 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Errors & Omissions]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Workers Compensation]]></category>
		<category><![CDATA[Insurance Market Conditions]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=582</guid>
		<description><![CDATA[There’s a lot of talk and renewal reports out there on whether the industry is experiencing a hard market after a year of catastrophic losses. The consensus for the most part is that we’re not seeing what we consider a &#8230; <a href="http://www.caitlin-morgan.com/blog/look-to-caitlin-morgan-as-2012-sees-pricing-firming-up">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/look-to-caitlin-morgan-as-2012-sees-pricing-firming-up/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Travel Trends for 2012: What Will Tour Operators Be Booking and Are They Protected with E&amp;O Insurance?</title>
		<link>http://www.caitlin-morgan.com/blog/travel-trends-for-2012-what-will-tour-operators-be-booking-and-are-they-protected-with-eo-insurance</link>
		<comments>http://www.caitlin-morgan.com/blog/travel-trends-for-2012-what-will-tour-operators-be-booking-and-are-they-protected-with-eo-insurance#comments</comments>
		<pubDate>Tue, 03 Jan 2012 17:27:51 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[E&O]]></category>
		<category><![CDATA[Errors & Omissions]]></category>
		<category><![CDATA[Travel Trends for 2012]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=573</guid>
		<description><![CDATA[If you’re providing insurance for tour operators – such as Errors &#38; Omissions – it’s a good idea to know the type of tours they’re busy booking this year and to make sure they’re adequately covered while making arrangements for &#8230; <a href="http://www.caitlin-morgan.com/blog/travel-trends-for-2012-what-will-tour-operators-be-booking-and-are-they-protected-with-eo-insurance">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/travel-trends-for-2012-what-will-tour-operators-be-booking-and-are-they-protected-with-eo-insurance/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Workers Compensation: 5 Tips on Helping Customers Manage Workers Comp Costs</title>
		<link>http://www.caitlin-morgan.com/blog/workers-compensation-5-tips-on-helping-customers-manage-workers-comp-costs</link>
		<comments>http://www.caitlin-morgan.com/blog/workers-compensation-5-tips-on-helping-customers-manage-workers-comp-costs#comments</comments>
		<pubDate>Tue, 20 Dec 2011 13:02:33 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Workers Compensation]]></category>
		<category><![CDATA[Tips on how to decrease workers comp rates]]></category>
		<category><![CDATA[Workers Comp]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=560</guid>
		<description><![CDATA[Workers Compensation was significantly hit by a down economy and shrinking payrolls over the last five to six years, with an estimated 25% of all premiums evaporated. Additionally, loss frequency is up, claims severity continues to increase as employees aren’t &#8230; <a href="http://www.caitlin-morgan.com/blog/workers-compensation-5-tips-on-helping-customers-manage-workers-comp-costs">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/workers-compensation-5-tips-on-helping-customers-manage-workers-comp-costs/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Risk Management: Penn State, Syracuse University Sheds Light on Sexual Abuse Exposure at Schools</title>
		<link>http://www.caitlin-morgan.com/blog/risk-management-penn-state-syracuse-university-sheds-light-on-sexual-abuse-exposure-at-schools</link>
		<comments>http://www.caitlin-morgan.com/blog/risk-management-penn-state-syracuse-university-sheds-light-on-sexual-abuse-exposure-at-schools#comments</comments>
		<pubDate>Tue, 13 Dec 2011 13:50:50 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Educational Insurance]]></category>
		<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Sexual Abuse]]></category>
		<category><![CDATA[Syracuse University]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=556</guid>
		<description><![CDATA[Our jaws dropped as revelations came to light regarding Penn State’s retired defensive coordinator Jerry Sandusky’s alleged sexual molestation and child-sex crimes. On the heels of this disturbing news, Syracuse University fired associate head basketball coach Bernie Fine for allegedly &#8230; <a href="http://www.caitlin-morgan.com/blog/risk-management-penn-state-syracuse-university-sheds-light-on-sexual-abuse-exposure-at-schools">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/risk-management-penn-state-syracuse-university-sheds-light-on-sexual-abuse-exposure-at-schools/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Risk Management: Suit Hits Indiana School District Over Death of Son, Not Preventing Bullying</title>
		<link>http://www.caitlin-morgan.com/blog/risk-management-suit-hits-indiana-school-district-over-death-of-son-not-preventing-bullying</link>
		<comments>http://www.caitlin-morgan.com/blog/risk-management-suit-hits-indiana-school-district-over-death-of-son-not-preventing-bullying#comments</comments>
		<pubDate>Tue, 06 Dec 2011 14:13:09 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Risk Management]]></category>
		<category><![CDATA[Bullying Prevention Program]]></category>
		<category><![CDATA[Insurance Coverage]]></category>
		<category><![CDATA[School Bullying]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=552</guid>
		<description><![CDATA[In October, we posted a blog about school bullying and the steps many states and school districts are doing to help combat this. The issue continually remains in the spotlight: A 14-year-old Indiana high school student committed suicide on October &#8230; <a href="http://www.caitlin-morgan.com/blog/risk-management-suit-hits-indiana-school-district-over-death-of-son-not-preventing-bullying">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/risk-management-suit-hits-indiana-school-district-over-death-of-son-not-preventing-bullying/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health &amp; Fitness Industry: What&#8217;s New in Fitness Centers</title>
		<link>http://www.caitlin-morgan.com/blog/health-fitness-industry-whats-new-in-fitness-centers</link>
		<comments>http://www.caitlin-morgan.com/blog/health-fitness-industry-whats-new-in-fitness-centers#comments</comments>
		<pubDate>Tue, 08 Nov 2011 15:00:11 +0000</pubDate>
		<dc:creator>ChrisM</dc:creator>
				<category><![CDATA[Health & Fitness Industry]]></category>
		<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.caitlin-morgan.com/?p=536</guid>
		<description><![CDATA[There’s a lot of emphasis in our culture on staying fit and healthy. But studies and statistics show that many in the country are losing the battle-of-the-bulge war, which is not only detrimental to their health, but also costly to &#8230; <a href="http://www.caitlin-morgan.com/blog/health-fitness-industry-whats-new-in-fitness-centers">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.caitlin-morgan.com/blog/health-fitness-industry-whats-new-in-fitness-centers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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