Friends confirmed that the former Top Chef Masters contestant had died.
The woman was on the Willamette River outside of Portland, Oregon, with two other people tubing. At first, no one knew who she was.
A few days later, it was proven that the woman was Naomi.
The accident happened because Naomi wasn’t wearing a life jacket when the three tied tubes hit a tree in the water, sending Naomi underwater and never coming back up.
Around 8:25 p.m. on Saturday, police found Naomi’s body underwater.
It turned out that a strong current kept her body from being found.
The other two people, including Naomi’s husband Kyle Linden Webster, made it out alive.
“SO SAD TO HEAR THIS”
Naomi’s last Instagram post, which promoted her newest cooking project called Garden Party, had a lot of goodbye comments from fans.
On July 1, the black-and-white picture of a group of people having dinner was shared.
Someone wrote, “Wow, I don’t know what to say.” Naomi, take it easy. This is really sad to hear. I’m speechless.”
We need to enjoy every moment of our short lives because they are so short. “She seemed to have lived that way, especially lately,” said a second.
“I can’t understand this. You were an angel, a legend, and a reason to live. “Rest in peace,” said someone else.
“We will miss you!” said a fourth person. This really shocks me. Putting out love to the family.”
“Love to your family from far away. I’m so sorry to hear that you have died. “You’re very smart,” someone else wrote.
“WHAT A LOSS!”
When people heard the sad news, Congressman Earl Blumenauer made a statement. He worked with Naomi to help small restaurants during the pandemic.
“What a loss,” he said.
“Naomi was a wonderful person as well as a great chef and businesswoman.
“Her influence went well beyond Portland; she helped us become leaders and known for our great food.”
“She will be greatly missed.”
How competition is shaping cyber insurance: Brokers must stay sharp on policy terms
“Policy forms are not at parity”
In today’s rapidly changing insurance landscape, brokers are grappling with increasingly complex challenges, particularly in the realm of cyber insurance.
As cyber threats evolve and businesses become more vulnerable to attacks that can disrupt operations, damage reputations, and deplete financial resources, it is crucial for brokers to go beyond the basics. They must dive deep into policy forms to effectively protect their clients.
Expanding coverage in a competitive landscape
Highlighting findings from his firm’s recent State of the Market Report: A Focus on Cyber, Matt Donovan (pictured above), executive vice president at Amwins, emphasized how the cyber insurance industry has softened in recent years, reflecting newly expanded coverages within a competitive landscape.
Emerging from a hard market cycle, where insurers tightened terms to minimize aggregated losses, this year has seen an influx of new players and coverage enhancements in the marketplace.
“Early in my career, many markets had broad virus exclusions,” Donovan recalled. “But as competition increased, those exclusions were pushed out, driving an expansion in cyber business interruption policies.”
Donovan noted that coverage for dependent business interruption events – extending beyond just an insured’s IT service providers – has become more widely available, as defending against supply chain attacks is an increasingly critical concern for businesses across all sectors.
Providing an example to illustrate how the market has adapted, Donovan shared: “If a ransomware event hits automated machinery in a sawmill and they can’t deliver products to your manufacturing operations, you can now get coverage for these cyber perils affecting your dependent providers.”
Significant cyber incidents, like the disruptions experienced by Change Healthcare, highlight the critical importance of contingent business interruption coverage. In this case, system outages led to substantial delays in payment processing for numerous healthcare providers, with estimates of data breach costs reaching $1 billion.
This situation underscores the necessity for businesses to ensure they have robust coverage that protects against disruptions not only within their own operations but also from cyber incidents affecting their third-party vendors.
Not all policies are created equal
With direct written premiums for cyber insurance projected to reach $23 billion globally by 2025, and US businesses expected to account for about 56% of this total, the market is witnessing an influx of new players entering niche specialties to tackle emerging risks.
This growth has led to significant variability in market offerings, underscoring the critical need for brokers to read the fine print. “Policy forms are not at parity at all,” warned Donovan. “There are vulnerabilities for insureds in not catching new exclusions.”
“When comparing declarations pages to online portals, everything may appear to be apples to apples. However, there can be exclusions buried deep within the policy form that weren’t noted or that clients weren’t aware of when they purchased the coverage,” he continued.
While online services promote streamlined download connections, providing a simplified view of policy options with a focus on key details like coverage limits and premium costs, they can obscure important exclusions and nuanced terms buried deeper within the policy language.
As the industry increasingly shifts to digital delivery of policies, it’s essential for brokers to bridge any existing information gaps with clients. They must pay close attention and thoroughly examine the fine print to ensure comprehensive coverage.
“Brokers need to spend time reading the policies, getting into the weeds, and really take it beyond the declarations checklist that they show to their clients,” advised Donovan.
