Articles

 Articles by Joseph F. Bieniek, CPCU, AIE, CRM, CCP, CIC, ARC, AMCM, AIS, AU, AINS

Over the years, I've written extensively on insurance-related topics that remain relevant today. Below, I've highlighted select articles, along with their publication details and a brief overview, in the hope that they prove useful to industry professionals.

"Ongoing Risk Assessments Assist a Company with Compliance"

Insights, The Institutes CPCU Society; Spring 2021

The Regulator; Insurance Regulatory Examiners Society (IRES); August 3, 2020

This article highlights the importance of self-audits in insurance companies to assess compliance efforts. As a best practice, regular self-assessments should be integrated into a company's compliance framework to help ensure regulatory adherence. The article also provides examples of effective self-assessment strategies.

"CGAD - Board of Director Evaluation"

First Consulting & Administration website; May 21, 2019

As more states adopt the National Association of Insurance Commissioners (NAIC) Model Act (#305) and Regulation (#306) on Corporate Governance Annual Disclosure (CGAD) reporting requirements, companies must prepare accordingly. Establishing Board and committee evaluation protocols now will enhance readiness and position your company to submit a thorough and effective report when the deadline arrives.

"The Pinnacle of Compliance"

National Association of Mutual Insurance Companies (NAMIC); January 2019

This NAMIC article, valuable for compliance professionals, features an interview with me and includes insights from my previously published piece, The Cost of Noncompliance and Compliance.

“Market Conduct of Title Insurance”

The Regulator, Insurance Regulatory Examiners Society (IRES); December 2011

This article provides a foundational overview of market conduct examinations for title companies and agencies, outlining key principles and best practices.

“Demystifying Title Insurance”

The Regulator, Insurance Regulatory Examiners Society (IRES); September 2011

This article breaks down the fundamentals of title insurance, providing a clear and accessible overview of its purpose and benefits. It was recognized with the Schrader-Nelson Publications Award, honoring the most outstanding original contribution to the Society’s newsletter that year.

“How Transparent Should Insurers be with Regulators?”

The Regulator, Insurance Regulatory Examiners Society (IRES); November 2006

Compliance Matters, Regulatory & Legislative Interest Group Committee of the CPCU Society; September 2006

This article emphasizes the importance of insurance companies proactively informing regulators when issues arise. Today, self-reporting is widely regarded as a best practice, fostering transparency and regulatory trust.

“Transparency in Market Regulation”

Journal for Insurance Compliance Professionals, Association of Insurance Compliance Professionals (AICP); September 2006

This article highlights the significance of transparency in market regulation, emphasizing the need for insurance companies to promptly inform regulators when issues arise. Today, self-reporting is widely recognized as a best practice that fosters regulatory trust and accountability.

“The Cost of Regulatory Compliance”

The Regulator, Insurance Regulatory Examiners Society (IRES); July 2006

Journal for Insurance Compliance Professionals, Association of Insurance Compliance Professionals (AICP); June 2006

This article helps insurers identify the costs associated with regulatory compliance, enabling them to accurately measure expenses and reallocate resources as needed. By using this metric, insurers can optimize operations while maintaining compliance.

I hope you find the articles helpful.

Joe Bieniek