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WCRI Conference Blogging Live – Sharing Economy and WC


WCRI Conference Blogging Live

The WCRI Annual Conference Blogging Live 2016.

Presenter – Dr. Robert Hartwig- Insurance Information Institute

Picture of Conference Blogging Live Sharing Economy
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Angie’s List

On Demand Economy




Wedding Wire

My Move




Insurance solutions are increasingly available for the sharing economy.

Regulatory issues remain

Gig Economy – Employee vs Contractor – Uber Lyft, TaskRabbit

In 2020, 80% of adults may own smartphone

Temporary Work rate has grown heavily – peaked in 2010 at 13.6% growth rate

Technology is transforming labor

Good job was created in the Industrial Age

Two schools of thought –

Tech decentralizes employees

Haves >>>needs without the use of a corporate structure

Low skill workers are further left behind

Employee vs. Independent Contractor court decisions are going to be even more critical

Gig Economy

  • 61% make
  • Race
  • All attributes are higher injury risks

Offerors of Gigs think that the workers are being exploited

Half of Gig offerors oppose regulations

Missed opportunity for Workers Comp insurers 

Will robots and automation destroy the Gig economy

Who owns the data?  Where does it flow?  Who does the analytics?  Who is the capital provider?

Fitbit – Wearable tech

Ingestibles and implantables  

Insurance industry is not laggard in the economy – have always been on the forefront for coverage

Questions – any job that you do that is repetitive and has a database of your job duties makes you very replaceable

Surge in temporary employment affected full time employment

Download presentation at www.iii.org/presentations

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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