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The importance of key person insurance for your business

As a business owner, you may have a difficult time imagining anything serious happening to yourself, your business partner or the employees you work with every day. However, death and disability are real risks. Just as individuals should make plans for their families by purchasing disability and life insurance, business owners are wise to purchase key person insurance.

Business Insurance
Businesswoman brainstorming ideas on whiteboard with colleague. Female business partners having brainstorming session in startup meeting room.

Cultivating a culture of innovation: Fostering creativity and problem-solving skills in the workplace

As technology, markets and consumer behaviors continue to evolve rapidly, business owners who allow their teams to do things in the same old ways are certain to lose their competitive edge. But, business owners who support innovation and invest in fostering creativity and problem-solving skills can expect to enhance performance today and cultivate growth for tomorrow.

Thought Leadership
Factory worker wearing respirator masks for protection toxic substances while open the solution tank working in hazardous environments, Health and safety

Does your company need environmental liability insurance?

Pollution, mold, asbestos and bacterial contamination can all leave companies owing millions of dollars in costs related to lawsuits and cleanup requirements. This risks are why environmental liability insurance is a vital coverage for many businesses, notably contractors, property management companies, manufacturers and other businesses that have environmental-related exposures.

Business Insurance
Successful businesspeople smiling happily during a meeting in a creative office. Group of cheerful business professionals working as a team in a multicultural workplace.

Unleashing the power of diversity, equity and inclusion in the workplace: Strategies for success

As demographic and generational changes transform the workplace with a younger and more diverse workforce, diversity, equity and inclusion (DE&I) initiatives are both desired by employees and recognized by organizations as vital components of a thriving, innovative and sustainable company culture. Learn more about the objectives, tangible benefits and practical strategies that can be incorporated into a DE&I plan.

HR
woman looking at computer

Revolutionizing HR: The role of artificial intelligence in HR services

The rapid advancement of artificial intelligence technology is defining a new workplace, transforming the outlook for many traditional jobs and challenging human resources professionals to harness the power of generative AI for both workforce development and strategic competitive advantage. Learn how HR professionals are implementing AI-powered solutions across the full range of HR services.

HR
Young woman alone in bedroom. She is working homework and using laptop

Insurance for college students: What you do and don’t need

When freshmen head off to college, they are often leaving home for the first time. In addition to choosing classes and navigating a new life with roommates, considering insurance for college students is also important. Common personal insurance policies for college students include health, rental and car insurance, but there are many things to consider when deciding on coverage.

Home & Auto, Individual Life & Health

September HR Update

Pay or Play Affordability Percentage Decreased for 2023 On Aug. 23, 2023, the IRS issued Revenue Procedure 2023-29 to index the contribution percentages in 2024 for determining the affordability of an employer’s plan under the Affordable Care Act (ACA). For

HR
Cheerful businesswoman holding document during video conference with colleagues. Smiling blond Afro female professional is working at home office. She is wearing wireless headphones.

The benefits of offering flexible work arrangements

The nine-to-five office grind doesn’t work for everyone – some workers prefer more flexibility. By offering flexible work arrangements, both employers and employees can enjoy multiple advantages. Learn more about the benefits and steps to implement a flexible work arrangement program.

HR
lawyers at table

Why small business owners need liability insurance

No small business owner can see into the future, so there is no way to prevent every potential accident or other incident that might result in a substantial claim for monetary damages, but liability insurance can provide financial protection if someone files a lawsuit or makes a claim against a business. No matter the industry or size, every business faces significant financial risks from liability, and these risks are especially prominent for small businesses, making liability insurance important.

Business Insurance
Young man in hospital being cared for by nurse. Medical professional looking after patient on hospital ward. Adjusting iv line, medication, care, bedside manner.

The importance of disability insurance

You have big plans for the future. Whatever those plans are, they probably don’t include an unexpected disability. But, an illness or injury could prevent you from earning an income, and that could derail your big plans. It’s a real risk, and it’s why anyone who depends on a paycheck needs to understand the importance of disability insurance.

Individual Life & Health
two women talking at a desk

The importance of performance management in the workplace

Businesses are powered by people, so when individual employees perform better, the business as a whole improves. That\’s why going beyond annual performance reviews and placing a higher degree of focus on performance management strategies can be beneficial to businesses. Here’s what you need to know about employee performance management in order to improve, empower and streamline the performance of your employees.

HR

How to prepare your home for a hurricane

Hurricanes are forces of nature that can strike unexpectedly, leaving little time for preparation. However, in the face of uncertainty, there are some steps you can take to help protect your home, yourself and your loved ones as you navigate the challenges posed by these powerful storms.

Home & Auto
Coworkers having discussion holding papers, tablet, laptop and phone on the table

Business insurance policy reviews: How often should you check your coverage?

As your business grows and your risks evolve, your insurance needs will change. The worst time to realize that your coverage is lacking is when facing an insurance claim. But, regular commercial insurance policy reviews can help you proactively and adequately protect your business.

Business Insurance
Young woman sitting in car and looking through window from back seat

Why a commuter benefits program matters to your employees

As employers look for new additions to their standard benefits package to help attract top workers, they usually focus on common pain points. The daily commute is a prime example. Commuting to and from work each day eats up time and money, making a commuter benefits program an attractive perk.

Employee Benefits

August HR Update

Plans Must Submit Gag Clause Attestations by Dec. 31, 2023 On Feb. 23, 2023, the Departments of Labor, Health and Human Services and the Treasury (Departments) issued FAQs on the prohibition of gag clauses under the transparency provisions of the Consolidated Appropriations Act,

Compliance, HR
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Employee wellness matters: Exploring the benefits of health insurance

If you own or manage a business, you know how important it is to make the well-being of the company’s employees a top priority. An employee wellness program is a driver of success and sustainability for any organization, and the core of an effective strategy for employee wellness is comprehensive health insurance coverage.

Employee Benefits
Man is Adjusting a temperature on the thermostat in the living room.

How to protect your house from extreme heat

With the recent heat waves and extreme temperatures, protecting both yourself and your home from the damaging effects of extreme heat is crucial. Here are important steps you can take to help protect your home during the summer heat.

Home & Auto
Project Leader and Software Engineer in a meeting about root cause and back up plan in software design at a tech business office.

The importance of risk management in business: Protecting your bottom line

To protect your company on behalf of employees, investors and other stakeholders, one of the most important strategic responsibilities of every business owner or manager is the development of a risk management plan and process. Learn key steps in formulating a risk management strategy for your business.

Risk Management
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The pros and cons of HR technology

Change often brings both benefits and challenges, and the changes that come from new HR technology are no exception. Along with each of the sought-after organizational benefits, or pros, delivered by new human resources technology, both HR professionals and workers must be ready to accommodate the cons, which may create challenging negative effects.

HR
office people on computers

Understanding commercial property insurance: Safeguarding your business assets

When you run a business, one essential requirement for being fully prepared is the financial protection provided by commercial property insurance. Without this coverage, your building, furnishings, equipment and inventory could be lost to an unexpected event.

Business Insurance

July HR News Worth Review

Proposed Rule Released on Short-Term, Limited-Duration Insurance and Fixed Indemnity Coverage On July 7, 2023, the Departments of Labor, Health and Human Services and the Treasury (Departments) released a proposed rule on certain types of health coverage that are not subject to

Compliance, HR
Young asian businesswoman speaking to her coworkers in meeting. Female addressing colleagues sitting in front inside office.

The importance of employee training and development programs

Employees want a career with a future; employers want loyal and skilled team members. When employers understand the importance of robust employee training and development programs, both employees and employers get what they want.

Employee Benefits, HR
Senior Asian woman walking with mobility walker, assisted by physical therapist and grand daughter

Disability insurance for business owners

Business owners work tirelessly to establish and grow their business, investing time, money and energy into building a successful venture, but they may not consider what would happen to their business if they were unable to work due to a disability. Disability insurance provides a crucial safety net by helping to provide financial protection when it is most important.

Individual Life & Health
young woman with an arm sling typing on the laptop after a having an accident and a broken bone

What is personal liability insurance? Understanding coverage

Many people recognize that the U.S. is a litigious society, but few take steps to protect themselves from the financial impact of a lawsuit. Personal liability coverage can help you safeguard your assets if you are ever named in a

Home & Auto