Skip to Main Content Back to Top Let's Talk

Insurance Blog for the Latest News and Insights

Find News + Insights

Use of search implies consent to our privacy policy.

Clear All
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
Man setting down red warning triangle on road in front of stalled car

Car emergency kit: What to pack to stay safe on the road

Roadside emergencies affect drivers nationwide, regardless of driving experience or vehicle condition. A flat tire, a dead battery or severe weather are all common situations that could become dangerous without the right preparation. A vehicle emergency kit can’t replace professional roadside assistance, but it can help to bridge the gap until support becomes available.

Home & Auto
Megaphone on white desk in a modern office setting with office supplies nearby

What is loud quitting, and how can organizations manage it?

Employee engagement is a challenge across all industries, and many organizations are seeing signs of disengagement. An emerging trend is “loud quitting,” where individuals openly and disruptively air their grievances about the workplace prior to exiting the organization. Different from more subtle forms of disengagement, loud quitting is highly visible and often signals deeper workplace issues that may be affecting morale, productivity and company reputation.

HR
Hurricane Irma seen striking Miami, Florida with 100+ mph winds and destructive storm surge

Hurricane preparedness for businesses

Hurricane season brings predictable yet often underestimated risks to businesses across coastal and inland regions. Organizations that treat hurricane preparedness as a year-round priority, rather than a last-minute scramble, position themselves to protect employees, minimize property damage and resume operations more quickly when disaster strikes.

Business Insurance
Nurse taking blood pressure of a patient at home

Reference-based pricing: A guide for employers

Health care costs continue to vary widely, making it difficult for employers to predict spending and maintain consistency across their health plans. As a result, many organizations are exploring alternative strategies for benefits funding and structuring. Reference-based pricing is one approach that shifts how health care costs are determined and reimbursed.

Employee Benefits
Young couple sitting with their pet dog in their living room at home and using a laptop

Mortgage insurance (PMI) vs. home insurance: What buyers need to know

Mortgage insurance and homeowners’ insurance often appear together on monthly mortgage statements, leading many homebuyers or owners to assume they serve the same purpose. In reality, they serve different roles and address different risks.

Home & Auto
A senior man in professional attire works with a businesswoman at a laptop in a modern office

Silver tsunami: How aging workforces are reshaping HR and benefits

Workforce demographics are shifting as a large segment of experienced employees approaches retirement age. This population trend is accelerating, creating new pressures for effective staffing and benefits planning. Understanding how the silver tsunami and an aging workforce can impact labor markets, health care utilization and organizational stability can help business leaders plan for continuity.

HR
Young businessman writing while discussing strategy with female colleagues sitting at desk in office

What is Form 5500 for health and welfare plans?

Many HR professionals associate Form 5500 with retirement plans, but it also applies to certain health and welfare plans. Accurate filings help document plan activity, support fiduciary oversight and help organizations manage their reporting obligations.

Compliance, Employee Benefits
Colorful pool floats floating on the water of the empty swimming pool

What is an attractive nuisance? A homeowner’s guide to hidden hazards

An attractive nuisance is typically a man-made feature or condition on a property that may draw children in but poses a safety risk, such as a swimming pool, trampoline or construction area. Because young children may not fully understand the danger, property owners can be held liable for injuries under certain conditions, which may influence how insurance carriers evaluate and price homeowners’ insurance.

Home & Auto
Closeup shot of two unrecognizable businesspeople going through paperwork in an office

How additional insured endorsements could help protect your business

Additional insured requirements often appear in contracts, leases, purchase orders and service agreements as part of risk management strategies to allocate liability. Understanding when and why you may need to add or request additional insured endorsements is essential for managing liability and protecting business relationships.

Business Insurance
Young smiling woman driving a car with her dog in the passenger seat

Summer driving safety tips for road trips and more

In the summer, more vehicles fill the roads as vacationers head to beaches, national parks and family reunions across the country. Longer daylight hours keep drivers on highways later, and more young or inexperienced drivers take the wheel during school breaks. Everyday summer scenarios like these can quickly turn into an accident without proper preparation.

Home & Auto, Lifestyle
Happy businesswoman smiling in a meeting at the office

Applicable large employers: What ALE status means for your business

Understanding whether your organization qualifies as an applicable large employer under the Affordable Care Act is critical for managing compliance obligations and designing an effective benefits strategy. Getting this determination wrong could result in IRS scrutiny and significant financial penalties.

Compliance, Employee Benefits
Orange 18 wheeler semi truck delivering goods on the road at night with headlights

UM and UIM insurance coverage for commercial fleets

Navigating risks in the transportation industry can be challenging, and one major roadblock can be uninsured or underinsured motorists. In 2023, the Insurance Research Council (IRC) reported that more than one in seven U.S. drivers were uninsured. The rise in uninsured drivers contributes to higher insurance costs, which are ultimately passed on to insured drivers through increased premiums. For this reason, it is important to understand and manage uninsured motorist (UM) and underinsured motorist (UIM) coverage to help protect both drivers and businesses from unexpected expenses.

Business Insurance
Female friends looking away while sailing in boat against sky

Boating safety tips for operators and passengers

Without the right preparation, a day on the water can quickly become dangerous. To help keep yourself and your passengers protected, boating safety should begin before you even leave the dock with planning, equipment checks, awareness of local rules and more.

Home & Auto, Lifestyle

What is surveyors’ professional indemnity insurance?

Professional indemnity insurance, also known as professional liability insurance, can provide protection in the event that a surveying error, omission or negligent service results in financial loss for a client. Unlike general liability insurance, which focuses on bodily injury or property damage, this coverage addresses harm tied to professional services and the advice that surveyors provide.

Business Insurance