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A variety of parked, nondescript semi trucks at a busy interstate truck stop

Transportation professional liability insurance: Closing the coverage gap

Motor carriers, freight brokers and third-party logistics (3PL) providers face risk throughout the supply chain. A missed delivery, carrier vetting issue or administrative error could cause significant financial losses even if cargo arrives intact. Traditional auto liability, general liability and cargo policies may not cover these service-related losses, but professional liability insurance can help fill that gap.

Business Insurance
Ice dams and snow on roof and gutters after bitter cold and winter weather

Roof ice dam prevention: Protect your home this winter

Ice dam removal tends to run about $1,200 per event on average, with costs climbing to over $4,000 for large dams on more complex roof designs. But beyond just the removal bill, backed-up water can soak through insulation, warp home framing, stain ceilings and walls and trigger rapid mold growth. With this potential for costly damage to your home, it’s important to implement preventive measures during the winter season.

Home & Auto, Lifestyle
Five private planes parked inside a massive hangar bearing the United States flag

How hangarkeepers insurance can protect your aviation business

Hangarkeepers insurance is designed to help aviation businesses protect against liability for damage to aircraft owned by others while those aircraft are in the business’s care, custody or control. For fixed-base operators (FBOs), maintenance shops, flight schools, aircraft managers and hangar owners, this coverage can be an important part of a broader business insurance plan.

Business Insurance
Businessman on a laptop in a modern corporate office collaborating with a female colleague

What employers need to know about HIPAA nondiscrimination rules

When HR professionals think about the Health Insurance Portability and Accountability Act (HIPAA), privacy and the protection of health information may be the first things that come to mind. However, HIPAA also includes important nondiscrimination protections that affect employer-sponsored group health plans.

Compliance, Employee Benefits
Aerial view of a shopping mall parking lot during a winter snowstorm

Winterizing parking lots to protect your property, employees and customers

As temperatures begin to drop, many businesses prepare their buildings for winter by servicing HVAC systems, inspecting roofs and weatherproofing facilities. But one area that is often overlooked is the parking lot. Taking time to prepare your parking lot before winter weather arrives can help reduce hazards, preserve your pavement and support day-to-day operations throughout the season.

Risk Management
Defocused group of a unrecognizable businesspeople having a meeting together around a table in the boardroom of an office

How to identify and retain flight risk employees

Employee retention challenges continue to evolve across all industries, with many organizations facing greater difficulty keeping their most valuable team members. A growing concern is the flight risk employee, an individual who shows signs that they may leave their organization in the near future, often taking critical skills, institutional knowledge and team stability with them.

HR
Doctor typing medical information on a laptop in a hospital office

What employers need to know about HIPAA privacy and security rules

When most HR professionals think about HIPAA, they think about protecting employees’ medical information. While that’s certainly part of the law, HIPAA compliance is often more nuanced than many HR team members realize. Whether your organization sponsors a fully insured, level-funded or self-funded health plan, understanding your responsibilities under HIPAA rules can help reduce compliance risk and protect sensitive health information.

Compliance, Employee Benefits
Woman packing a household emergency bag with essential items

Making a home emergency kit for disaster preparedness

Natural disasters, extended power outages and regional emergencies can strike without warning – and when they do, access to clean water, food and medical care could be disrupted for days. A well-stocked emergency kit can help a household remain safe and self-sufficient for at least 72 hours when outside help may not be available. Understanding what to include, how to store it and when to update it is one of the most practical steps any homeowner can take to protect their family.

Home & Auto, Lifestyle
Midsection of man using mobile phone

SIM swap attacks: One of today’s most dangerous mobile security threats

A single phone call to a mobile carrier is sometimes all it takes for a criminal to take over someone’s phone number completely. With a SIM swap attack, an attacker gains control of the number and can then intercept text messages, reset passwords and gain access to financial accounts, cryptocurrency wallets and social media accounts. Understanding how SIM swapping works, what warning signs to watch for and how to protect your accounts can help reduce your cyber risk.

Lifestyle, Risk Management
Cropped shot of an affectionate family of three relaxing on the sofa at home

Debunking the top 10 home insurance myths

Many homeowners assume that their insurance policy covers every type of damage or loss, but that’s rarely the case. While home insurance provides valuable protection, it also has limits and exclusions that can catch people by surprise. Not understanding what your policy does and doesn’t cover could leave you with unexpected expenses after a loss.

Home & Auto
Two business colleagues having an intense discussion or argument in a modern open-plan office setting, pointing at a computer screen

What is quiet firing, and how can HR leaders address it?

Employee disengagement takes many forms, and HR leaders are increasingly encountering a concerning management practice known as quiet firing. Rather than addressing performance concerns through formal improvement, disciplinary or termination processes, management may gradually undermine an employee’s role, responsibilities or experience in the hope that they resign voluntarily.

HR
An elderly couple looking at a prescription at the pharmacy counter

What employers need to know about Medicare Part D notice requirements

Medicare Part D notices are one of the many annual compliance responsibilities that employers sponsoring prescription drug coverage need to manage. Missing a notice deadline or incorrectly identifying whether coverage is creditable can create issues and leave Medicare-eligible employees unaware of enrollment deadlines and potential penalties.

Employee Benefits
IT engineer in a modern interior of a server room in data center

Creating a data breach response plan for your business

Cyber incidents are becoming increasingly common, and data breaches can affect businesses of all sizes. The first few hours after a breach often shape whether recovery stays manageable or leads to serious financial and reputational harm. A comprehensive data breach response plan gives your organization a clear roadmap during these high-pressure situations.

Business Insurance, Risk Management
Two young boys in backpacks boarding a school bus

Back-to-school safety tips for drivers and parents

As summer ends and children return to classrooms across the country, it’s important to focus on practical back-to-school safety tips that can help keep kids protected during this busy time. From walking routes and bicycle rides to school bus procedures and vehicle drop-offs, each part of a child’s commute presents risks that careful planning can reduce.

Home & Auto, Lifestyle
Builder working on roof of house while wearing a hard hat and safety vest

License and permit bonds: Guide for business owners

License and permit bonds play an important role in helping businesses to comply with state and local regulations while also protecting consumers and government agencies from financial harm. From contractor license bonds to freight broker bonds, these bonds support accountability, reinforce trust and are often required for businesses to legally operate in regulated industries.

Business Insurance
High angle view of a couple discussing details of a condo with their real estate agent while looking at a digital tablet

HO-6 insurance: Essential coverage for condo owners

Owning a condo means sharing walls, roofs and common spaces with other residents, but that doesn’t mean your homeowners’ association’s insurance policy has the entire building covered. An HO-6 policy is specifically for condo and co-op owners, designed to protect the parts of your property that fall outside of your condo association’s master policy.

Home & Auto
Semaglutide injection pen or cartridge pen for diabetics and weight loss in female hand

GLP-1 medications and employer health care costs

GLP-1 medications have become one of the most discussed topics in employee benefits over the last several years. Originally developed to help manage Type 2 diabetes, these medications are now widely used for weight management, sleep apnea and other conditions. As demand continues to grow, employers must balance employee expectations with responsible plan management.

Employee Benefits
Happy male and female business professionals doing a handshake at office

Benefits of skills-based hiring for employers and job seekers

Skills-based hiring is an approach that prioritizes a candidate’s skills over their formal education or previous job titles. In today’s job market, employers may use this method to identify qualified candidates based on their ability to perform the work required for a role.

HR
Cessna Citation charter private jet launching from airport

How aviation hull insurance can help protect your aircraft

Aircraft can be among the largest assets an aviation business owns. Whether it’s used for corporate travel, charter operations, flight training or personal use, damage to the aircraft could result in significant repair costs, operational disruptions and financial losses. Aviation hull insurance is designed to help protect the aircraft itself from covered physical damage, making it a key component of many aviation insurance programs.

Business Insurance
Male worker at an outdoor container yard taking a break and drinking water

Sun safety for outdoor workers: Steps to reduce heat and UV risks

Workers who spend time outdoors could be exposed to prolonged sunlight, heat and ultraviolet (UV) radiation. For business owners and managers, supporting sun safety may help reduce workplace risks, support employee well-being and reinforce a culture of safety. Outdoor workers can also benefit from understanding practical ways to protect themselves during the workday.

Risk Management
Family of parents and child riding in a golf cart down a street in a residential neighborhood

Golf cart insurance: Coverage guide for low-speed vehicles

Golf carts are no longer limited to golf courses. In many communities, they are used for neighborhood travel, short errands and recreation, which can raise questions about how insurance coverage applies if an accident, theft or other loss occurs. Understanding how golf cart insurance works can help owners evaluate potential risks and determine whether additional protection may be needed.

Home & Auto
Young female nurse and her senior patient looking at a tablet in a medical setting

Medicare supplement plans: Guide to Medigap coverage

Original Medicare provides essential health coverage, but it doesn’t cover all medical costs. Beneficiaries may still be responsible for deductibles, coinsurance and copayments, and these can add up quickly. Medicare supplement insurance, also known as Medigap, is designed to help cover certain out-of-pocket costs that remain after original Medicare pays its share.

Employee Benefits
Two business people negotiating and signing a contract at a table in an office

What is a waiver of subrogation in business insurance?

Subrogation is the legal right that allows an insurance company to seek reimbursement after it pays out a claim to its policyholder. When a loss occurs and the insurance carrier covers the cost, they may attempt to recover those funds from the responsible third party. This process helps shift financial responsibility to the at-fault party and can manage overall claim costs across the insurance pool.

Business Insurance
Mature businesswoman using laptop while working from home

PCORI fees: What HR leaders need to know

Employer-sponsored health plans come with various compliance obligations, and PCORI fees are one that HR leaders should understand. PCORI, which was established under the Affordable Care Act (ACA), funds research to support more informed health care decisions. To support this mission, federal law requires certain health insurers and plan sponsors to pay PCORI fees annually.

Compliance, Employee Benefits