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Fireworks Behind a Silhouetted Crowd during a celebration

Fireworks and the Fourth: How to celebrate Independence Day safely

The Fourth of July brings all the hallmarks of summer: backyard barbecues, parades and fireworks. For many families, setting off fireworks is a beloved tradition. But, if not handled carefully, it’s also one of the most hazardous aspects of the holiday. If fireworks are part of your plans this year, a few precautionary steps can help keep your celebration safe, lawful and neighbor-friendly.

Lifestyle
Happy woman paying by health savings benefit card while buying medicine at the pharmacy

Pros and cons of Health Savings Accounts

Health Savings Accounts (HSAs) have become an increasingly popular component of employee benefits packages, offering potential tax advantages while helping employees to save for medical expenses. As health care costs continue to rise, employers are constantly seeking ways to provide valuable benefits while managing expenses, and HSAs are an attractive option worth careful consideration. But, before implementing HSAs as part of your benefits strategy, it’s essential to understand its advantages and potential drawbacks.

Employee Benefits
Mother drives her young son to school in the family car

How does credit score affect car insurance rates?

When insurance companies set your car insurance rates, they may take your credit score into account. The logic behind this is that your credit score reflects your financial responsibility, which insurers may correlate with your likelihood of filing a claim. Understanding your credit score and how it can affect car insurance rates can help you make informed financial decisions.

Home & Auto
Blue background with "HR News Worth Review" written in white and dark blue text, offering insights from the June HR News.

June 2025 HR Update

Learn more about the latest HR news from June 2025, including when PCORI fees and EEO-1 reports are due and the 2024 final rule on mental health parity.

HR
Professional engineer performing workplace inspection and safety check and documenting findings on computer

What is an experience modification rate (EMR) in workers’ comp?

If you’re trying to rein in your workers’ compensation costs, your experience modification rate (EMR) is a good place to start. Your company’s EMR can play a major role in determining your insurance rates, and the actions you take may cause your EMR to increase or decrease.

Business Insurance
Office worker looking at watch while running late for work

Strategies for reducing tardiness and managing late employees

Habitual tardiness doesn’t just affect the employee who’s running late – it disrupts the flow of the entire team. Repeated lateness can lead to lost productivity, missed deadlines and a general breakdown of professional standards. Over time, this ripple effect can negatively impact employee morale and overall team performance. Addressing employee tardiness with strategic thinking is crucial for maintaining a high level of employee engagement and ensuring that the team can operate smoothly and efficiently.

HR
Two businesswomen engaged in a discussion at an office table, collaborating on a project with documents and laptops

How does stop loss insurance protect employers with self-funded plans?

As health insurance costs continue to increase, more employers are turning to self-funded benefits as a way of controlling costs. This strategy can be financially beneficial because employers have more control over managing claim costs, but self-insured employers still need

Employee Benefits
Fire extinguisher on shelf of cardboard boxes in modern warehouse

Fire safety and risk management for warehousing and storage facilities

Storage and warehousing companies have a higher risk of fire than other business operations because they occupy large spaces with potentially hazardous materials, such as combustibles. Because of this increased risk, facility managers must proactively address potential threats to help protect their company’s property, inventory and workforce.

Risk Management
Team reviewing documents and financial data at a desk in the office

Professional liability insurance coverage for accountants

As an accountant, have you ever thought about what might happen if you miss a filing deadline, make a miscalculation or give a client advice that leads them astray? When accountants make errors or omissions in the course of their services, their clients could sue them for negligence. Professional liability insurance provides protection against this risk.

Business Insurance

Uninsured vs. underinsured motorist coverage

Uninsured motorist coverage pays for your medical bills and vehicle damage if you’re hit by a driver without insurance, while underinsured motorist coverage helps pay if you’re hit by a driver without adequate coverage. Both auto insurance coverages can provide important financial protection against unexpected out-of-pocket costs, and may even be required by your state.

Home & Auto
Young woman sitting on a sofa in the living room with her laptop computer scrolling on the internet, smiling

Effective open enrollment communication for employees on extended leave

Open enrollment is a crucial time for employees to review and make informed decisions about their health benefits, retirement plans and other offerings for the coming year. For employees on extended leave, this process can be especially challenging. As an employer, it’s important to ensure that employees requesting leave receive clear, timely and accessible communication about open enrollment.

Employee Benefits, Public Sector
Group of happy business professionals listening to a discussion in an office

Peer to peer recognition: Tips and best practices for success

Peer-to-peer recognition has the potential to positively impact employee engagement, retention and productivity. When team members feel valued by their colleagues, it fosters a positive work environment where they are more likely to excel and stay committed to their roles. But how can HR leaders and employers effectively introduce this kind of recognition in the workplace?

HR
Blue background with "HR News Worth Review" written in white and dark blue text, offering insights from the June HR News.

May 2025 HR Update

Learn more about the latest HR news from May 2025, including RxDC, ERISA, and HSA Limits: What Employers Should Know.

HR
Man preparing to check his blood pressure at home

Life insurance for people with chronic illness

The CDC estimates that 129 million people in the United States have at least one major chronic illness. If you’re one of the millions of individuals with a chronic disease, you may be wondering whether it’s possible to find life insurance. The good news is that it is possible to secure life insurance if you have a chronic illness.

Individual Life & Health
Two professionals looking at paperwork during a business discussion in a cafeteria-style restaurant

Cafeteria plans for health insurance: Understanding Section 125 benefits

Crafting an employee benefits package that meets the unique needs of every employee can be challenging. Cafeteria-style benefits can appeal to a variety of workers with flexible options. But, what exactly is a cafeteria plan and how could you leverage this employee benefit to help your organization achieve its goals?

Employee Benefits
Group of business persons during a meeting in the office

Understanding fiduciary liability insurance: Are you protected?

If you administer an employee benefit plan, you have a fiduciary duty. Fiduciary liability insurance could offer vital protection against lawsuits and financial loss.

Business Insurance
Smiling therapist in glasses talking on a video call, using sign language to speak to a patient with a hearing disability

How to evaluate remote employees effectively

The rise of remote work has led many companies to reexamine their performance evaluation processes to prioritize more consistent and meaningful feedback. Due to the lack of in-person interaction, assessing remote employees requires intentional strategies to keep teams engaged, aligned, and motivated. Fortunately, with the right tools and practices, managers can effectively navigate these challenges.

HR
A project engineer is writing on a risk assessment matrix with different colors that represent risk level with a blurred train in the background

Workplace accident investigation process: What to do after an incident

When an employee suffers an injury, what do you do next? In addition to ensuring the employee receives appropriate care, it’s important to conduct a timely and thorough workplace accident investigation.

Risk Management
Blue background with "HR News Worth Review" written in white and dark blue text, offering insights from the June HR News.

April 2025 HR Update

Learn more about the latest HR news from April 2025, including mental health coverage, FMLA planning, and compliance made easy.

HR
Young nutritionist discussing meal planning and nutrition with several people during a diet consultation

Could your team benefit from a corporate wellness nutrition program?

Eating well when you’re busy isn’t always easy, and to make matters worse, some people don’t know which food items are best for their health. Employers can help by embracing corporate wellness nutrition programs as part of their employee benefits strategy.

Corporate Wellness, Employee Benefits
Two construction workers install a steel roof sheet for the new roof of a residential building that is under construction

Contractor workers’ comp insurance: Is your business protected?

Construction is dangerous work. Workers’ compensation insurance can provide protection for both workers and their employers, and it’s typically required under state law.

Business Insurance
Group of smiling coworkers playing leisure games during a team building exercise in the workplace

Gamification in the workplace: Can it boost employee engagement?

Is gamification in the workplace the key to boosting employee engagement? If an organization’s employee engagement levels are falling, gamification stands out as an easy and fun way to motivate workers. Although it can be effective, there are some important caveats.

HR
A stethoscope placed on a doctor's desk in a hospital

The impact of rising health care costs on public sector budgets

Health care spending in the U.S. is at $4.9 trillion, or roughly $14,600 per person, according to 2023 data from the Centers for Medicare and Medicaid Services. When paired with the recent federal budget cuts to education, the drastic rise and fall of funds within these pools is reshaping the landscape of public sector budgets. 

Employee Benefits, Public Sector
A small business owner wearing an apron takes inventory using a laptop computer

The importance of cyber insurance for small businesses

Cyber criminals don’t just target large companies capable of paying multimillion-dollar ransoms; they can also target small and mid-size companies, especially if those companies lack sophisticated cyber security practices. As risks mount, cyber insurance is becoming increasingly important coverage for small businesses.

Business Insurance