Business Insights

FBI Releases 2024 Internet Crime Report

The FBI’s Internet Crime Complaint Center (IC3) recently released its 2024 Internet Crime Report. The annual report combines data from 859,532 complaints...

Preventing Distracted Driving with Technology

Distracted driving can be a significant risk for companies that operate vehicles, whether for deliveries, sales visits or transportation services. Even a...

Safety Focused – February 2025

Promoting Fire Extinguisher Safety Fire extinguishers are designed to fight fires in their early stages when the flames present a relatively minor...

Cyber Risks & Liabilities Newsletter – Q1 2025

Cyber Insurance Market Trends to Watch in 2025 With the fast-changing nature of digital threats, cyber insurance can be an especially volatile...

Preventing Frostbite Frostbite is a condition that occurs when the skin and its underlying tissues become frozen. This condition can lead to...

Safety Focused – November 2024

Preventing the Top 4 Construction Hazards Construction is one of the most hazardous industries in the United States. Many injuries on construction...

October is Cybersecurity Awareness Month

October is Cybersecurity Awareness Month. During this month, the public and private sectors work together to raise awareness about the importance of...

OSHA’s Safe and Sound Week

Making the Most of OSHA’s Safe and Sound Week Safe and Sound Week is an annual campaign conducted by OSHA and other...

5 Steps for Building a Safety Program

A comprehensive safety program may not only reduce employee injuries and illnesses; it can also improve employee morale and retention. In addition,...

Distracted Driving Prevention Tips

If your job requires you to operate a company vehicle—whether it’s a car, passenger van, large truck or bus—it’s crucial to stay...

The Value of Professional Liability Insurance

Although most service professionals prioritize taking good care of their clients and providing them with the best possible guidance, mistakes can still...

Surviving the Summer Heat

Summer brings longer days and plenty of sunshine, but with it comes the challenge of staying cool amidst soaring temperatures. The sweltering...

Defending AI Systems From Malicious Data Poisoning Attacks

As the use of artificial intelligence (AI) and machine learning (ML) continues to grow, businesses that utilize these technologies must also be...

Scheduled Versus Blanket Limits for Commercial Property Insurance

Commercial property insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an...

Best Practices for Reclassifying Employees as Nonexempt

The Fair Labor Standards Act (FLSA) provides minimum wage and overtime pay protections to most employees. Employees generally must be classified as...

Differences Between Traditional and Cyber Business Interruption Policies

When organizations face large-scale disasters or other unexpected losses, ensuring business continuity is often a top priority. Yet, various losses may make...

Determining Worker Classification: Employee or Independent Contractor?

Hiring an independent contractor offers employers many advantages. Employers do not pay taxes on independent contractors’ wages, nor are they expected to...

The New Independent Contractor Rule’s 6 Economic Reality Factors

In-depth Analysis: The New Independent Contractor Rule’s 6 Economic Reality Factors The U.S. Department of Labor (DOL) recently issued a final rule...

Live Well, Work Well – February 2024

3 Ways to Boost Your Heart Health Heart disease continues to be the leading cause of death for both men and women...

Safety Focused – February 2024

Recognizing National Burn Awareness Week 2024 The American Burn Association (ABA) sponsors National Burn Awareness Week every February. This annual campaign is...

Safety Focused – January 2024

Preventing Hypothermia Working outdoors in the winter can expose you to dangerously low temperatures. This cold weather can heighten your risk of...

2024 Cyber Insurance Market Outlook

Increasing cyber insurance claim frequency and severity have generated a volatile risk environment in recent years, with most policyholders facing continued premium...

Safety Focused – December 2023

Preventing Frostbite As cold weather conditions arise, you may become more vulnerable to frostbite while working outdoors. Frostbite refers to a form...

2024 Workers’ Comp Market Outlook

Profitable underwriting results have generated favorable conditions across the workers’ compensation insurance segment for nearly a decade. According to the National Council...

Safety Focused – November 2023

Material Handling Best Practices When moving large, bulky or heavy items on the job (e.g., boxes, crates, equipment or furniture), it’s important...

Safety Focused – October 2023

Understanding Stop-work Authority It’s everyone’s responsibility to detect workplace hazards and prevent accidents. As such, a stop-work authority (SWA) program is intended...

Preparing for the Fall and Winter Virus Season

Fall and winter are when viruses that cause respiratory disease usually circulate more heavily. Before the COVID-19 pandemic, influenza (flu) and respiratory...

Professional Liability Insurance Trends in the Health Care Sector

Often referred to as medical malpractice insurance in the health care industry, professional liability insurance can provide financial protection for losses stemming...

Safety Focused – September 2023

Minimizing Amputation Hazards Amputations are some of the most serious and debilitating workplace injuries and can be caused by a variety of...

Trends Impacting Workers’ Compensation Insurance

Workers’ compensation coverage is not only required in most states but also plays a major role in connecting injured employees to the...

Preventing Falls Due to Extreme Heat

Preventing Falls Due to Extreme Heat Extreme heat creates many risks in construction. As an employee in this industry, not only should...

Benefits Buzz – August 2023

FDA Approves First Over-the-Counter Daily Oral Contraceptive On July 13, 2023, the U.S. Food and Drug Administration (FDA) announced that it approved the first...

Safety Focused – August 2023

Emergency Evacuation Best Practices When an emergency arises on the job, evacuating the workplace can be challenging. However, preparing in advance to...

Employee Misclassification Red Flags Under the FLSA

The Fair Labor Standards Act (FLSA) provides minimum wage and overtime pay protections to nearly all workers in the United States. Under...

Safety Focused – July 2023

Preventing Lyme Disease If you work outdoors this summer, you could be exposed to insects carrying various diseases. In particular, Lyme disease...

Utilizing HR Data to Improve Workplace Culture

Various factors can influence company culture, and new norms can be introduced to employees anytime. As technology advances and becomes more common...

Cyber Update – June 2023

Cyber Market Rights Its Course on Profitability Direct premiums written for the U.S. cyber insurance market rose 50% to $7.2 billion in...

The Benefits of Pay-As-You-Go Workers’ Compensation: Flexibility and Cost-Effectiveness

Introduction Workers’ compensation insurance is a crucial aspect of safeguarding employees’ well-being and protecting businesses from financial liabilities in the event of...

Benefits Buzz – June 2023

HSA/HDHP Limits Increase for 2024 On May 16, 2023, the IRS released Revenue Procedure 2023-23 to provide the inflation-adjusted limits for health...

Safety Focused – June 2023

Preventing Dehydration at Work If you work outdoors or in warm environments, you could be particularly susceptible to dehydration – a condition...

Establishing Workplace Policies on Artificial Intelligence

Artificial intelligence (AI) has made its way into many workplaces nationwide and is rapidly changing how organizations operate and make decisions. In...

Safety Focused – May 2023

Prioritizing Hand Protection at Work A wide range of everyday work tasks may put your hands at risk. And while hand injuries...

Benefits Buzz – May 2023

End of COVID-19 National Emergency Impacts Health Plan Deadlines On April 10, 2023, President Joe Biden signed a resolution ending the COVID-19...

Work from Home Connection

Maximizing Your Productivity While Working Remotely It’s becoming more common for employees to work remotely. However, distractions are all around, especially when...

Rising Workers’ Compensation Expenses Linked to Facility Services Costs

A report from the National Council on Compensation Insurance (NCCI) examining countrywide medical cost trends revealed that health care facility services costs...

Safety Focused – April 2023

Setting a Good Safety Example As a co-worker of new employees, consider yourself the most critical role model during their first few...

Fostering a Neurodivergent-friendly Workplace

Neurodiversity refers to diversity in the human brain and cognition functions, such as thinking, learning and behaving. It’s the concept that the...

Live Well, Work Well Newsletter – April 2023

Managing Seasonal Allergies According to the Asthma and Allergy Foundation of American (AAFA), allergies are the nation’s sixth-leading cause of chronic illness....

Benefits Buzz: April 2023

Gag Clause Attestations are Due by December 31, 2023 On Feb. 23, 2023, the Department of Labor, Health and Human Services and...

Live Well, Work Well – March 2023

Increasing Your Nutrient Absorption With Food Pairings March is recognized as National Nutrition Month, making it a great time to evaluate the...

How Telemedicine Gives You the Most Out of Health Care Visits

Telemedicine – the delivery of health care from a distance using technology – has become increasingly popular following the COVID-19 pandemic. Telemedicine...

Construction Safety: Suspension Trauma

Suspension Trauma The risk of serious injury or death doesn’t end after a construction worker’s fall has been arrested. Although personal protective...

Benefits Buzz – March 2023

White House Announces End of COVID-19 Emergency On January 30, 2023, the Biden administration announced that it plans to end the COVID-19...

Safety Focused – March 2023

Elevator Safety Precautions Millions of employees utilize elevators each day. While elevators are considered one of the safest forms of transportation, it’s...

Benefits and Me – March 2023

Americans Are Delaying Medical Care Due to Cost A record number of Americans (38%) postponed medical care last year. The 2022 percentage...

The Future of Work-from-Anywhere Arrangements

American workplaces have changed drastically over the past three years. The COVID-19 pandemic propelled remote work into the spotlight and created new...

Restaurant Safety Matters

Mitigating Violence During Food Deliveries Delivery drivers who transport takeout food to restaurant customers must have direct contact with the public as...

Safety Focused – February 2023

Ensuring Forklift Safety Forklifts (also called powered industrial trucks) can be used to perform essential tasks in the workplace, but they are...

Benefits Buzz – February 2023

Congress Extends Telehealth Relief for HDHPs The Consolidated Appropriations Act, 2023 (CAA) extends the ability of high deductible health plans (HDHPs) to...

Benefits and Me – February 2023

How to Spot Errors on Your Medical Bill Health care advocacy group Medical Billing Advocates of America estimates that up to 80%...

Live Well, Work Well – February 2023

The Art of Waking Up Refreshed Some people wake up ready to take on the day, while other may need more time...

New Laws Expand Pregnancy and Nursing Accommodations

Two new laws that were included in the federal omnibus spending bill, enacted on December 29, 2022, expand workplace rights for employees...

2023 Workers’ Compensation Insurance Market Outlook

Data from the National Council on Compensation Insurance (NCCI) shows that the workers’ compensation segment has been profitable for eight consecutive years,...

2023 Commercial Auto Insurance Market Outlook

The commercial auto insurance market has faced substantial underwriting losses and diminished profitability for more than a decade. While the segment continues...

2023 Cyber Insurance Market Outlook

Evolving technology, increasing threat vectors are growing attacker sophistication has continued to drive up both the frequency and severity of cyber incidents,...

Why Dental Benefits Are Crucial for Your Overall Well-being

Selecting and utilizing dental benefits is crucial because the condition of your teeth and gums significantly impacts your overall health. Proper oral...

Benefits and Me – January 2023

What Happens If You Miss Open Enrollment? If you miss your open enrollment deadline, you could lose coverage and be unable to...

Safety Focused – January 2023

Ensuring Snowplow Safety Quick and efficient snow removal is essential at any workplace, as snow buildup can present hazards to employees, drivers...

Safety Focused – December 2022

Working Safely in Cold Weather Winter weather poses a number of safety risks, particularly for employees who spend a lot of time...

Media Liability Insurance

Today’s society has become increasingly digital in nature, prompting businesses to leverage additional technology and online services in their operations. Specifically, some...

5 Things to Consider During Open Enrollment

Open enrollment season – the annual period when you enroll in a health insurance plan – is now in full swing. For...

6 Common Mistakes to Avoid When Choosing a Health Plan

Health insurance may be one of the most critical annual purchases since it impacts your physical, mental and financial wellness. Unfortunately, selecting...

Affordable Care Act: 2023 Compliance Checklist

The Affordable Care Act (ACA) made a number of significant reforms to group health plan coverage when it was enacted in 2010....

Employee Benefit Plan Limits for 2023

Many employee benefits are subject to annual dollar limits that are adjusted for inflation by the IRS each year. The following commonly offered...

Duties in the Event of a Commercial Property Loss

Most people understand that insurance companies have a duty to reimburse insureds for commercial property damage not excluded by their policies. What’s...

4 Employee Engagement Tips to Prevent Quiet Quitting

“Quiet quitting” continues to be an emerging trend where workers only do what their job description entails without going above and beyond....

Safety Focused – November 2022

Minimizing Caught-In or -Between Hazards Caught-in or -between hazards may cause injuries if a person is squeezed, caught, crushed, pinched or compressed...

Live Well, Work Well – November 2022

How to Recession-Proof Your Life Many Americans and economist think rising inflation issues, interest rates and housing costs may be warning signs...

Benefits Buzz – November 2022

IRS Changes Family Coverage Affordability Rules On Oct. 11, 2022 the IRS released a final rule that changed the premium tax credit...

Builder’s Risk Insurance: Understanding What’s Covered

Builders risk insurance is a specialized form of property coverage that can help protect buildings and other structures under construction. Also known...

Differences Between Commercial Excess Liability and Umbrella Insurance Policies

Commercial excess liability insurance and umbrella insurance are secondary coverage policies that attach after primary insurance policy limits – such as general...

Signs of Trouble Seen for U.S. Commercial Auto Insurance Market

Despite having cause for optimism in 2021, the U.S. commercial auto insurance market shows signs of falling behind again in 2022 as...

Understanding FMLA Leave for Mental Health Conditions

Mental health is a growing concern in the workplace. Over the past few years, many employees have experienced mental health issues, such...

Safety Focused – October 2022

Avoiding Struck-by Incidents Struck-by hazards are present when a worker could be injured by forcible contact or impact with an object or...

Benefits Buzz – October 2022

oll at a later date. Although no specific penalties are associated with the notice requirement, failing to provide the notice may be...

Benefits Buzz – September 2022

ACA Pay or Play Penalties Increase for 2023 On August 16, 2022, the IRS updated its FAQs on the Affordable Care Act’s...

Safety Focused – September 2022

Preventing Repetitive Motion Injuries While repetitive motion injuries (RMIs) are common among athletes, these injuries can occur in the workplace too. Also...

2022 Workers’ Compensation Insurance Midyear Market Outlook

Unlike other forms of coverage, the workers’ compensation insurance market has stayed resilient in recent years. According to the National Council on...

Expanding the Talent Pool With University and College Recruitment Strategies

A common misstep in attracting or recruiting talent is setting narrow restrictions on who to interview or where talent is sourced. Often,...

Safety Focused – August 2022

Avoiding Workplace Safety Complacency Safety is paramount in the workplace to avoid illness and injury, which is why becoming complacent with safety...

Benefits Buzz – August 2022

Federal Guidance on Reproductive Health Care In the wake of the Supreme Court’s ruling allowing states to regulate abortion, federal agencies have...

Building Employee Skills With Microlearning

Employers today face many challenges. Among them are attraction and retention, and internal skills gaps. If an employee chooses to leave or...

Remote Work – July/August 2022

Combating Eye Strain Most adults are on digital media for about four to six hours daily. As a remote worker, you may...

Workers’ Comp Insights: 3 Trends Could Have Big Implications

Legislation surrounding the gig economy, single-payer health insurance and marijuana legalization all have the potential to impact the U.S. workers’ compensation system,...

Midyear Market Outlook: Commercial Auto Insurance

The commercial auto space has been largely unprofitable for insurance carriers over the past decade, with underwriters experiencing significant losses despite deploying...

DHS Ends Temporary COVID-19 Policy for Form I-9 Expired Documents

On May 1, 2022, the U.S. Department of Homeland Security (DHS) ended the COVID-19 Temporary Policy for List B Identity Documents. As...

The Value of Primary Care

Many people only think about going to the doctor’s office when they get sick or injured. However, even the healthiest adults need...

Benefits and Me – July 2022

4 Tips for Maximizing Your HSA Health savings accounts (HSAs) are an excellent tool for managing your out-of-pocket health care expenses. Consider...

Safety Focused – July 2022

Ensuring Safe Driving at Work Driving is a common task for many employees. Workers across industry lines may get behind the wheel...

Employee Retention Cheat Sheet

Employee retention refers to an organization’s ability to successfully retain its employees. While employers strive to keep top performers, employee turnover is...