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Case studies show that minimizing unnecessary absence and disability presents the greatest opportunity for savings. For some, the savings amount to as much as 40 percent to 50 percent.

A listing of some of the nation's top publicly traded retail companies, their risk managers, brokers, captives and risk management programs.

Retailers of all shapes and sizes must now get their U.S.-based risk management thought processes around their new international reality. Otherwise they open their balance sheets to catastrophe.

A listing of some of the nation's top retail companies, their risk managers, brokers, captives and risk management programs.

Making garments abroad slashes the price of labor, to the delight of shareholders. But the gains are sometimes easily erased with a snafu or two in the supply chain, leaving managers entangled in big headaches.

A listing of some of the nation's top apparel companies, their risk managers, brokers, captives and risk management programs.

The Retail Industry Leaders Association claims to have a membership consisting of the "largest and fastest growing companies in the retail industry."