Featured News and Comprehensive Insurance Insights

Webinar

Water Damage - Mitigation and Claims

Water damage is one of the most frequent losses resulting in insurance claims today. This webinar will explore ways to prevent or mitigate water damage losses, and discuss appropriate procedures if a water damage claim needs to be filed. Register now to secure your seat!

Blog

'Arising Out Of': A Contract Danger Zone

Firms that take the time to review and attempt to negotiate their contracts know to strike the word “defense” if they want to avoid having to pay a client’s attorneys’ fees out of their own pocket. But if the words “arising out of” remain in an ...

Guidelines

15 Red Flag Threats to Private Client Wealth

Whitepaper

2023 Cyber Liability: Building Cyber Resilience in a Complex World

This cybersecurity eBook recaps the state of the cyber in 2022, highlights some important developments, and looks ahead to 2023.

Brochures

2024 Hurricane Season Preparedness

Blog

2025 Healthcare M&A Trends: How Customized Insurance Can Limit Risks

Key takeaways: Despite growing regulatory and liability issues, healthcare merger and acquisition activity is on the rise. M&A presents significant growth opportunities, but success requires proactively managing risks.

Blog

2025 M&A and Private Equity Outlook: Evolving Market Trends

Key takeaways: For private equity (PE) firms, tariffs, rising interest rates, and U.S. Treasury debt could lead to slower exits, tighter valuations, and holding assets longer than planned. PE firms are shifting their focus to operational ...

Blog

2025 OSHA Reporting and Recordkeeping Guide for Employers

The Occupational Safety and Health Administration (OSHA) mandates specific reporting and recordkeeping procedures to ensure workplace safety and accountability.

Webinar

2025 OSHA Reporting Requirements

Recordkeeping is not usually considered the most exciting task to be done, but it is an important one when it comes to work accidents and OSHA requirements. When recordkeeping is not done correctly, or on time, it can be costly for an employer. During this webinar, we will review the OSHA reporting requirements and the 2025 changes to the process.

Webinar

2025 State of the Hospitality Insurance Market

Hospitality operators can expect more underwriter scrutiny in 2025. In this fast-paced webinar, we’ll walk through what insurers are requesting and how you can prepare. You’ll gain practical insights in four critical areas to protect your balance sheet being, Property insurance, Liquor liability, Workers’ compensation, and Cyber liability. This session will equip you with actionable steps to manage risk and reduce expenses.

Blog

3 Ways Ecommerce Is Affecting the Same Day and Home Delivery Industry

With the rise of the millennial e-commerce shopper, consumer interest in same day and home delivery is already high—and quickly rising. In a recent report on same day delivery, BI Intelligence researchers found that “Six in 10 US shoppers said they ...

Blog

A Comprehensive Guide to Flood Insurance: Essential Protection for Rising Flood Risks

Flooding is by far the most common, costly, and destructive natural disaster in the United States, causing billions in economic losses each year. According to the Federal Emergency Management Agency (FEMA), flooding causes 90% of disaster damage ...

Blog

ACA Free Preventive Care Mandate Upheld by Supreme Court

Summary: The United States Supreme Court released a highly anticipated and critical ruling on Friday, June 27, 2025 in Kennedy v. Braidwood Management, Inc. with respect to the constitutionality of an integral component of the Affordable Care Act’s ...

Blog

ACA Reporting Requirements Eased with Passage of Two Congressional Bills

UPDATE: President Biden signed both Congressional bills (H.R. 3797 and H.R. 3801) on December 23, 2024. As a result, both bills are now enacted into law, and the relief provided to employers applies to the 2024 ACA reporting season now in early ...

Whitepaper

Accessing Healthcare Provider Networks White Paper

Blog

Adapting to the Driver Shortage in the Trucking Industry

The trucking industry is in a state of transition. A persistent driver shortage, compounded by changing demographics, is forcing trucking companies to adapt. Learn about these labor dynamics and their ripple effects if you want to stay ahead of the ...

Blog

AI and Surety Bonds: A Guide for Business Leaders

The construction industry relies on surety bonds to guarantee project completion and contract fulfillment. To reduce exposure to risks and facilitate faster, more accurate decisions, both issuers and recipients are leveraging artificial intelligence ...

Blog

AI in Last Mile: What it Takes for Technology to Reduce Risk

Editor's Note: This article originally appeared in the Winter issue of Customized Logistics & Delivery Magazine, a trade magazine published by the Customized Logistics and Delivery Association. Reprinted with permission. As the ever-expanding ...

Blog

Air Taxis: Are They the Future? What You Need to Know

What is an air taxi? Air taxis are powered-lift vehicles capable of vertical takeoff and landing, and they represent a revolutionary step in urban transportation. These electric aircraft, blending the capabilities of helicopters, drones, and ...

Whitepaper

An Excess of Risk: Social Services and Nonprofits in a Pandemic World

Report

Annual Report

Blog

Another Season Begins...Another Compliance Deadline Looms: RxDC Reporting

Summary: Spring is officially here, and with a new season comes a new compliance deadline looming for employers sponsoring group health plans: RxDC reporting for the 2024 reference year. The Centers for Medicare and Medicaid Services (CMS) recently ...

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Architects & Engineers Brochure

Whitepaper

Artificial Intelligence and the Impact on D&O and Cyber Insurance

Blog

Automatic Fire Sprinkler Systems: A Guide for Property Owners

An automatic fire sprinkler system is a vital component of fire protection for residential and commercial properties. They help control or extinguish fires and save lives, but misconceptions exist regarding their operation, installation, and ...

Webinar

Automatic Sprinkler Protection: Risk vs. Reward?

Automatic sprinkler systems are designed to protect life and property, but how do they work? During this webinar, we reviewed the basic features of a sprinkler system including critical installation and maintenance requirements. In addition, we debunk some of those Hollywood myths about how sprinkler systems operate. Watch our recording to learn more!

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Aviation Brochure

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Aviation Insurance for Non-Owned Aircraft

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Aviation Insurance for Privately Business Owned Aircraft

Whitepaper

Behavioral Health White Paper

Blog

Benefits Administration System Technology: Ensuring It’s the Right Fit

Technology in general is a retention tool — today’s workers are accustomed to and expect apps, adaptive technology, and electronic document sharing. That’s why implementing an employee and HR friendly benefits administration system pays off. If your ...

Blog

Biden’s Gig Worker Labor Rule: Effects on Last-Mile Delivery Businesses

The Biden administration recently announced a plan to redefine gig workers as employees under federal law. This has many in the last-mile industry asking, “what does this mean for me?”.

Blog

Building a Crisis Management Plan: Preparing for the Unexpected

A crisis can strike any business at any time. From a workplace accident to a natural disaster, a well-crafted crisis management plan can be the difference between weathering the storm and succumbing to circumstances.

Whitepaper

Building a Human Firewall: Strengthening Your Cybersecurity Defenses

Creating a “human firewall” can significantly fortify your business against cyber threats.

Blog

Building a Human Firewall: Strengthening Your Cybersecurity Defenses

Cyber threats are escalating. Reports from IBM show that cyberattacks using stolen or compromised credentials surged by 71%, year-over-year in 2023, and 32% of cyber incidents involve data theft and leaks. This indicates a shift towards stealing and ...

Blog

Building a Resilient Future: Insurance and Climate Science Collaboration

With storm frequency and severity on the rise, the insurance industry is seeking research-backed risk mitigation solutions. To address extreme weather events, insurance experts are forging alliances with climate researchers to explore new ways to ...

Manual

Burgee Program Junior Sailing Safety Manual

Manual

Burgee Program Safety Resources

Blog

Business Interruption Insurance Essentials

Events outside your control can bring your business to a screeching halt. After one of your best quarters, a wildfire could engulf your warehouse in flames. A hurricane could destroy your hotel’s roof, forcing you to shut down for weeks and costing ...

Webinar

Business Interruption Insurance Part 1

Watch the recorded Part 1 of our Business Interruption series where we covered what it is, how it's calculated, and the importance of having insurance for it. Get answers to your basic questions. Don't miss this opportunity to gain valuable knowledge.

Webinar

Business Interruption Insurance Part 2

Watch our past webinar where we discussed crucial topics like payroll coverage extension, contingent business interruption, and more. Our experts provided valuable insights to help you understand these extensions and their importance in managing financial risks. Watch the recording to learn more.

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CA/OSHA's Workplace Violence Standard Webinar Slides

Blog

Cal OSHA to Enforce New Workplace Violence Prevention Plan Law

On September 30, 2023, Governor Gavin Newsom signed SB 553. Taking effect on July 1, 2024, SB 553 arose from a tragic 2021 workplace violence incident and will become the new Workplace Violence Prevention Plan standard. The new standard will be ...

Blog

California Expands Leave Benefits in 2025

Summary: California Governor Gavin Newsom signed legislation in September 2024 expanding paid family leave and other leave benefits for employees working in California, starting on January 1, 2025, including: Expanded paid family leave, Expanded ...

Blog

California Insured Policies Must Cover Or Offer to Cover Fertility Treatments Later in 2025

Summary: California Governor Gavin Newsom recently signed legislation (Senate Bill 729) in September 2024, requiring large group health insurance policies issued in California to cover infertility and fertility services, including in vitro ...

Blog

California Wildfire Risk and Insurance: What Homeowners and Businesses Need to Know

Key takeaways: California’s devastating wildfires will shift the insurance market, affecting homeowners, businesses, and insurers alike — though it’s too early to determine the overall impact. Beyond rising premiums and policy changes, wildfire ...

Response Plan

California Workplace Violence Prevention Law - Sample Violent Incident Log

Webinar

California Workplace Violence Prevention Plan

On September 30, 2023, Governor Gavin Newsom signed SB 553. Taking effect on July 1, 2024, SB 553 arose from a tragic 2021 workplace violence incident and will become the new Workplace Violence Prevention Plan standard. The new standard will be enforced by Cal/OSHA and will require California employers to have a Workplace Violence Prevention Plan to create a safer work environment for workers and patrons. In this webinar we reviewed the requirements and help you prepare for this change. Important note: There are steps you need to complete prior to July 1, 2024. Watch the recording now.

Report

California Workplace Violence Prevention Plan and Training Law

Blog

California’s Proposed Insurance Reforms for 2024

In August 2023, we wrote about insurer capacity shrinking due to mounting losses from climate change-related disasters. In California, major carriers such as State Farm, Allstate, and Farmers, have stopped writing new property policies or ...

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Cannabis Brochure

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Captives Brochure

Blog

Captives for Last-Mile Delivery Companies: Pros and Cons

Last-mile is facing its twelfth straight year of rising auto liability premiums, driven by consistent losses in the transportation sector. As last-mile businesses hunt for cost-saving measures, captives have become a popular alternative option for ...

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Casualty Brochure

Blog

Change Healthcare Cyber Attack: Cybersecurity Lessons Learned

Change Healthcare's recent cyber attack sparked a crucial discussion on cybersecurity, business continuity, and contingent liability insurance within the healthcare sector. Cyber attacks in healthcare have been increasing in severity, with ...

Blog

Civil Unrest Alert: Protect Yourself, Family, and Property

In light of recent events and the ongoing potential for civil unrest, it’s essential to take proactive measures to safeguard yourself, your property, and your livelihood. Whether you’re a homeowner or a business owner, or both, preparing in advance ...

Blog

Claims-Made vs. Occurrence: Which Dental Malpractice Insurance is Right for You?

It’s easy for dental professionals to feel overwhelmed by the jargon and conflicting advice surrounding dental malpractice insurance. In particular, there’s confusion and misinformation regarding the terms “claims-made” and “occurrence.” Which ...

Blog

CMS Proposed Rule’s Potential Impacts To Gender Identity-Related Care Coverage under Group Health Plans

Summary: On March 10, 2025, the Centers for Medicare & Medicaid Services (CMS) released the "2025 Marketplace Integrity and Affordability Proposed Rule," (Proposed Rule) addressing various aspects of the Affordable Care Act’s (ACA) health ...

Brochures

Cold Weather Tips for Sailing Organizations

Blog

Combating Surging Ransomware Attacks: Strategies for Universities and Colleges

Universities and colleges are increasingly under siege by ransomware. In 2023 alone, ransomware attacks on higher education institutions surged by 70%, with 66% of universities falling victim to these cyber assaults.

Blog

Commercial Auto Insurance: The Risks of Chasing a Lower Premium

Key takeaways: Lower commercial auto premiums may reduce short-term costs but often result in insufficient coverage and higher deductibles. Gaps in coverage, such as underinsured driver liability, can increase financial risks after accidents. Before ...

Blog

Commercial Property Insurance: The Danger of Old Valuations

If you haven’t updated the replacement cost values in your commercial property insurance policies, you risk jeopardizing your bottom line if a claim occurs. Here’s why: some policies contain provisions that reduce your claim payout if you have an ...

Blog

Compliance Reminder: CMS Medicare Part D Reporting Due Beginning of March 2025

Employers sponsoring group health plans that provide prescription drug coverage to individuals eligible for Medicare Part D coverage[1] must annually disclose to the Centers for Medicare and Medicaid Services (CMS) whether that coverage is ...

Blog

Compliance Reminder: Upcoming Form 5500 Deadline for Calendar Year Plans

Employers sponsoring health and welfare benefit plans subject to the Employee Retirement Income Security Act of 1974 (ERISA) should take note of the upcoming Form 5500 filing deadline on July 31, 2025 for calendar year plans.

Blog

Compliance Reminder: Upcoming PCORI Fee Filing Deadline

Summary: The Patient-Centered Outcomes Research Institute (PCORI) filing and fee payment deadline of July 31, 2025, for plan years ending in 2024 is quickly approaching. Employers sponsoring self-funded group medical plans are responsible to file ...

Checklist

Complying with California's Workplace Violence Prevention Law Checklist

Whitepaper

Comprehensive Healthcare Auditing: Ensuring Transparency and Responsibility White Paper

Blog

Connecticut Expands Paid Sick Leave Starting in 2025

Summary: Connecticut Governor Ned Lamont recently signed amendment legislation (H.B. 5005) expanding the availability and requirements of the state’s paid sick leave law (CT PSL). These changes begin to take effect on January 1, 2025. Read on for ...

Blog

Considerations for Confirming Work Eligibility Status Given Executive Orders

Given the second Trump administration’s recent Executive Orders related to immigration policy it is easy for employers to get confused, or think it is their responsibility to enforce immigration policy. It is not. Employers, and their Human ...

Blog

Considerations for Insuring Multi-location Dental Practices

When a dental practice expands to multiple locations, its approach to insurance coverage must evolve accordingly. The structure and design of the coverage plan will require careful consideration, and while the process differs from insuring a single ...

Brochures

Construction Brochure

Webinar

Construction Site Safety

Watch our Construction Site Safety webinar. Construction sites are full of safety hazards and have many moving parts to manage at the same time. Safety needs to play a starring role during any construction activities and at all times. During this webinar, we discussed the top safety concerns and how we keep everyone, and the property, safe for the duration of the project.

Brochures

Continuation Funds White Paper

Webinar

Contractor Management Webinar

Watch our webinar on managing the risks and considerations when contractors undertake work in commercial buildings. We explored crucial safety and compliance factors, the significance of certificate of insurance tracking, and invaluable insights into protecting your property and occupants during construction and renovation projects.

Blog

Courier Business Insurance: Real Life Courier Claims You Can Avoid

There are important lessons that can learned from real-life courier losses and courier business insurance. Here’s three examples of common claims and outcomes to help courier and same-day delivery owners avoid potential “potholes”, and develop ...

Blog

Creating a Defensible Space Around High-Value Homes in Wildfire Zones

Imagine this: You're the proud owner of a stunning high-value home nestled in the picturesque hills of a wildfire-prone region. The panoramic views from your windows are breathtaking. However, despite the beauty, a hidden danger lurks just beyond ...

Guidelines

Creating Defensible Space and Hardening Your Home in Wildfire Zones

Blog

Creating Defensible Space around High-Value Homes in Wildfire Zones

Webinar

Crisis Management Webinar

Watch our Crisis Management webinar. Learn effective pre-planning is a crucial element in any organization's Risk Management program. Whether it's conducting a Job Hazard Analysis or formulating an Emergency Action Plan, organizations invest a substantial amount of time and resources in addressing potential hazards and establishing protocols for emergencies. Surprisingly, what often gets overlooked are the actions to be taken in the aftermath of a crisis.

Whitepaper

Cyber - Private Equity's New Priority

Private equity firms need to consider the cybersecurity of their firm and their portfolio as a top priority.

Brochures

Cyber Brochure

Checklist

Cyber Hygiene: Checklist

Before underwriting or renewing cyber coverage, insurers are taking a deep look at each organization’s cyber practices. To qualify for coverage — and particularly, if you want the best rates and terms — you need the following resources and procedures in place.

Guidelines

Cyber Insurance: Comprehensive Guide to Rising Cyber Risks

Blog

Cyber Resilience Lessons from the CrowdStrike Outage

Editor's Note: This article originally appeared in Carrier Management. Reprinted with permission, this piece contains helpful tips for all organizations that rely on third-party software and firmware updates in their day-to-day operations.

Whitepaper

Cyber Risk Mitigation

Webinar

Cyber Risks and Insurance

In today's digital world, cyber threats are constantly evolving, and the cost of a data breach can cripple your business. Join our webinar, Cyber Risks and Insurance, on Wednesday, February 12, where we will discuss the latest cyber insurance market trends, predict future coverage needs and potential pitfalls, and highlight key concerns and common claim drivers. Don't let cyber threats disrupt your operations. Register now to learn how to navigate the ever-changing cyber landscape.

Webinar

Cyber Security & HIPAA: Why You Need Both to Be Compliant

Cyberattacks and data breaches are growing threats to dental practices, putting patient information and practice operations at risk. In this insightful webinar, "Cyber Security & HIPAA: Why You Need Both to Be Compliant," you'll learn why both robust cybersecurity and HIPAA compliance are critical to safeguarding your practice and staying compliant. Join industry experts Herb Ford from Risk Strategies Dental Practice, Imani Barnes from Risk Strategies Cyber Risk Practice, and Kelly Koch from The Compliancy Group as they dive into the latest trends in cyber threats, the regulatory landscape, and practical solutions for dental practices.

Blog

Cybersecurity Essentials for Remote Work Success

Anyone with access to sensitive financial and personal information is a potential target for cybercrime. This reality requires employers to emphasize the importance of cyber safety in remote work. Is your organization using best practices to secure ...

Webinar

Cybersecurity in Hospitality: Protecting Business in a Digital World Webinar

Watch the recording of "Cybersecurity in Hospitality: Protecting Your Business in a Digital World." This session provides vital strategies for mitigating cyber threats, safeguarding sensitive customer data, and ensuring compliance with industry regulations. Enhance your cybersecurity knowledge and strengthen your business's defenses in an increasingly digital environment. Watch the recording here.

Blog

Cybersecurity Risks in Hospitality

For many hospitality businesses, tech isn’t a strength and cybercriminals know it. While you’re busy creating great customer experiences, bad actors are looking for entry points to nab credit card data and gain access to your financial accounts. ...

Blog

Cybersecurity Trends 2025: Resilience Planning

Cybersecurity in 2025 will demand sharp focus as technologies like artificial intelligence and quantum computing continue reshaping both risks and defenses. Zero-day exploits are expanding, cybercriminals keep cooking up new schemes, and operational ...

Brochures

Dental Practice Brochure

Whitepaper

Dental Practice Insurance Whitepaper

Insuring Your New Dental Practice: Protecting Your Passion

Checklist

Dental Student & New Dentists: Insurance Coverage FAQs

Whitepaper

Developments and Considerations in the Biosimilar Landscape

Whitepaper

Disclosure, Transparency, and Fiduciary Responsibility in Healthcare White Paper

Blog

District Court Ruling Refunds ACA Employer Mandate Penalties and Sets Aside Related Regulation

Summary: In a recent Northern District of Texas court ruling titled “Faulk Company, Inc. v. Xavier Becerra et al,” the plaintiff, a Texas-based janitorial services company, prevailed in their challenge against the U.S. Department of Health and Human ...

Blog

DOJ’s Corporate Whistleblower Awards Pilot: Compliance & Risk Impact

In August 2024, the U.S. Department of Justice (DOJ) launched its Corporate Whistleblower Awards Pilot Program to enhance corporate accountability. This program represents a shift from traditional securities law enforcement by the Securities and ...

Blog

DOL & IRS Grant Plan Relief Due to Recent Hurricanes

ERISA[1]-governed health and welfare benefit plan sponsors and plan participants impacted by Hurricane Helene, Tropical Storm Helene, and Hurricane Milton now have some relief from, and additional time to comply with, certain plan deadlines and ...

Blog

DOL Clarifies FMLA Leave Can Be Used for Clinical Trial Treatment

Summary: The U.S. Department of Labor (DOL), under its Wage and Hour Division (WHD), recently released an opinion letter (WHD Letter) clarifying that leave under the federal Family and Medical Leave Act (FMLA) may be used by eligible employees for ...

Blog

DOL Clarifies Intersection of FMLA and State PFML Leaves

Summary: The U.S. Department of Labor (DOL), under its Wage and Hour Division (WHD), recently released an opinion letter (WHD Letter) that provides clarifying guidance to employers regarding the intersection of federal Family and Medical Leave Act ...

Blog

DOL Confirms Cybersecurity Guidance Applies to Health and Welfare Plans

The Employee Benefits Security Administration (EBSA), part of the Department of Labor (DOL), recently published compliance assistance guidance confirming that its cybersecurity guidance from April 2021 applies to all ERISA plans, including health ...

Blog

DOL ERISA Plan Penalties Increase for 2025

The Department of Labor (DOL) recently released the updated civil monetary penalties applicable to various employee benefits-related violations under the Employee Retirement Income Security Act of 1974 (ERISA) for 2025, captured in the reference ...

Blog

DOL Overtime Rule Struck Down Nationwide by Federal Court

Summary: On November 15, 2024, a federal district court in Texas struck down the U.S. Department of Labor’s (DOL) recent final rule (Final Rule) increasing the salary thresholds for certain “white collar” exempt employees under the Fair Labor ...

Blog

Drone Insurance: Essential Coverage for the Entertainment Industry

From feature films to advertising, drone technology has opened new creative possibilities, while also reducing risk, liability, and expense.

Webinar

E-Bikes/Scooters and Lithium Ion Batteries

The use of lithium ion batteries has skyrocketed with electrical vehicles and toys. With this increased use, has come an increase in fires and deaths. Understand the hazards associated with these batteries and steps you can take to reduce and mitigate your risk. Watch the recorded webinar now!

Whitepaper

Earthquake Preparedness

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Education Brochure

Blog

Effective Human Capital Management is a Transformative Undertaking

Human Capital Management (HCM) is the strategic effort to manage the entire employee life cycle and core HR functions. When successful, HCM efforts result in high return on capital investments or to put it simply, engaged and committed staff who ...

Response Plan

Emergency Response Plan Template

Whitepaper

Emerging Trends & Patterns in Healthcare Market Segments White Paper

Whitepaper

Emerging Trends and Patterns in Various Healthcare Market Segments White Paper (2021)

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Employee Benefits Brochure

Whitepaper

Employee Benefits Evolve Alongside Shifting Workforce Needs

Blog

Employee Financial Preparedness Benefits Employers

While employers can’t guarantee that their employees will never encounter financial difficulty, there are steps you can take to help your employees protect their finances, prepare for the unexpected, and plan for the future. Many employers focus on ...

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Entertainment Brochure

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Environmental Brochure

Blog

ESOPs: The Importance of Risk Management and Insurance Planning

Employee stock ownership plans (ESOPs) are increasingly popular, especially for smaller to mid-sized companies. These innovative plans have been around for decades, with high-profile examples like Avis in the 80s and United Airlines in the 90s. But ...

Blog

EV Charging Stations: Risk Management and Insurance Planning

Before installing an electric vehicle (EV) charging station on your commercial property, carefully research the risks and insurance implications. The risks vary, depending on your location and whether you buy the equipment, lease it, or outsource to ...

Blog

Explore Our Industry During Insurance Careers Month

Key takeaways: A thriving industry with limitless career paths – The insurance sector is expanding rapidly, offering diverse and dynamic opportunities in a variety of interesting career options. Stability, innovation, and competitive pay – Careers ...

Checklist

Facility Safety Checklist for Sailing Clubs & Sailing Organizations

Blog

Family Benefits Top the Hierarchy of Employee Needs

Family tops the hierarchy of needs for many employees. Whether or not an employer helps an employee meet the needs of their family can be a major determining factor in the length of their employment.

Blog

Family Office Cybersecurity: How to Defend Against Cyberattacks

Key takeaways: Training and awareness: Implement ongoing training programs that cover phishing scams, the latest cyber threats, and security best practices. Regular security audits: Conduct periodic vulnerability assessments to identify and address ...

Brochures

Farm and Ranch Insurance

Farm and ranch insurance is vital for safeguarding the livelihood and assets of agricultural operations.

Webinar

Fighting Back: Transportation & Construction Liability Litigation Mitigation

Learn actionable strategies to mitigate risk for the transportation and construction industries from our February 5 session. Experts covered early intervention, AI and OSHA litigation trends, and how to combat fraudulent claims.

Blog

Final Rules Released For Fixed Indemnity Plans & Short-Term, Limited-Duration Insurance

On March 28, 2024, the Department of Health and Human Services (HHS), together with the Department of Labor (DOL) and the Department of the Treasury (collectively, the “federal agencies”), released the Short-Term, Limited-Duration Insurance and ...

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Fine Art Brochure

Blog

Fire Safety: Handling Lithium-Ion Batteries in E-Bikes, E-Scooters, and Tools

Imagine this: While pulling into your garage, you accidentally run over the battery for your son’s electric scooter. Aside from a seemingly superficial crack, the battery doesn’t appear to be damaged, so you place it back in the charger. What you ...

Webinar

Fleet Safety (April 2025)

As auto insurance rates continue to climb, fleet safety becomes a critical component to ensure the safety of your drivers and members of the general public. This webinar will provide our clients with big and small fleets with the knowledge and tools necessary to implement effective fleet safety programs. Watch the recording now!

Webinar

Fleet Safety Management

If you have a fleet and drivers, you are more than likely subject to DOT/FMCSA regulations. The transportation industry can be very challenging in keeping up with the current and new rulings with respect to regulations and processes. Companies can find themselves getting lost in it all either by choice or by simply having a breakdown in their Safety Management Process. If this happens, then potential fines and increased administrative costs can drag the business down and negatively impact a business’s reputation. There is even a threat of the business being completely shut down. Explore the significance of a robust safety process and how its breakdown can adversely affect your company's operations. Don't let regulatory challenges steer your business off course!

Blog

FMLA & Group Health Benefits Continuation: What Employers Need to Know

Summary: When an employee takes a leave of absence under the federal Family Medical Leave Act (FMLA), employers might experience confusion around whether they are required to maintain group health plan coverage and other benefits during the leave. ...

Blog

Foundational Issues Facing the Pharmacy Benefit Manager (PBM) Industry

Pharmacy Benefit Managers (PBMs) have long been portrayed in a negative light, often being called “a middleman who increases costs, has little regard for patients, and brings no value.” Recent articles in The New York Times and The Wall Street ...

Blog

Freight Broker Bond Market: Hard and Uncertain Times

The freight broker bond market recently experienced a significant hardening. Rising premiums and limited capacity, with fewer insurers willing to participate, are contributing to a more challenging environment for brokers and businesses. ...

Brochures

Freight Forwarding & Brokering Insurance

Insurance and industry expertise needed to address the unique exposures freight brokers and forwarders face.

Guidelines

Frozen Pipe Best Practices

Whitepaper

Frozen Pipe Prevention

Blog

Gene Therapy and Large Claims Impact on Student Health Insurance

Gene therapy is revolutionizing medical science and will impact student health insurance due to its high costs. This groundbreaking treatment method offers potential cures for chronic conditions like sickle cell disease and hemophilia. Yet, its ...

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General Freight

Blog

Group Health Plan Gag Clause Attestation 2024 Submission Reference Guide

Summary: On May 24, 2024, the Department of Health and Human Services (HHS), the Department of Labor (DOL), and the Department of the Treasury (collectively, the Departments) released updated Gag Clause Prohibition Compliance Attestation submission ...

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Guide to Captives

Whitepaper

Hail Preparedness

Blog

Harnessing Data Science in Healthcare with Stuart Piltch

Risk Strategies Consulting promotes that an effective use of data science, which is also a part of machine learning technology, is to meaningfully integrate, enrich, categorize, and curate data in a method that helps users create a more fact-based ...

Webinar

Hazard Communication and Hazardous Materials Webinar

Watch our webinar on Hazard Communication and Hazardous Materials in the workplace. We explore the safe use of chemicals, simplify the process of reading Safety Data Sheets (SDS) to equip you with an awareness of OSHA requirements. Additionally, we discuss proper disposal methods, best practices for safe storage, and the crucial limits for storing chemicals. Watch the recording now to enhance your understanding and create a safer work environment!

Blog

HCM Systems: How to Move Yours from Fragmented to Optimized

Most employers can improve their human capital management (HCM) systems by moving from a fragmented solution to an integrated one with proper preparation. HCM systems can seem like the panacea to reducing unnecessary manual work for HR and Finance, ...

Blog

Health & Welfare Plan Compliance Reminder: Form 5500 Deadline

Employers sponsoring ERISA health and welfare benefit plans for employees should take note of the upcoming Form 5500 filing deadline on July 31, 2024 for calendar year plans.

Blog

Health & Welfare Plan Compliance Reminder: Medical Loss Ratio (MLR) Rebates

Summary: Medical Loss Ratio (MLR) rebate season is quickly approaching and employers sponsoring fully insured group health plans are required to review their options on how to use or distribute these rebate funds within three months of receipt. Read ...

Blog

Health & Welfare Plan Compliance Reminder: PCORI Fee Filing Deadline

Summary: The Patient-Centered Outcomes Research Institute (PCORI) filing and fee payment deadline of July 31, 2024, for plan years ending in 2023 is quickly approaching. Employers sponsoring self-funded group health plans are responsible to file and ...

Blog

Health Plan Compliance Areas to Watch in Early 2025

Now that the Presidential inauguration is in the rearview mirror and during these early days of the second Trump administration, Risk Strategies has compiled a non-exhaustive list of key health plan-related compliance area highlights for employer ...

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Healthcare Brochure

Our Healthcare practice serves all organization types involved with the delivery and management of healthcare.

Webinar

Heat Illness Prevention Strategies for U.S. Restaurateurs

Learn proven strategies to protect staff from heat-related illnesses, avoid compliance missteps, and see best practices in action from successful hospitality businesses. Missed the session? Watch the recording to access all the insights and keep your team safe this season.

Blog

Heat Illness Prevention Tips for Restaurateurs: Protecting Staff and Guests

Running a restaurant during the summer months has become more challenging. Even northern locations are experiencing extreme heat — something restaurateurs haven’t had to plan for in the past. From kitchen staff, servers, and caterers to guests ...

Blog

Helping Women Prioritize the Importance of Heart Health Care

February and March are important months for women, specifically because during those two months we focus on women’s heart health and women’s history. Historically, women have had a negative history of heart health. Did you know that heart disease is ...

Blog

HHS Increases Penalties for 2024

The Department of Health and Human Services (HHS) recently released inflation-adjusted increases for certain HHS-related penalties, including those for violations of the Health Insurance Portability and Accountability Act (HIPAA) rules and the ...

Blog

HHS Releases Health Care Nondiscrimination Final Rule

Summary: On April 26, 2024, the Department of Health and Human Services (HHS), under its Office of Civil Rights (OCR), released a final rule under Section 1557 of the Affordable Care Act (ACA). Section 1557 is the nondiscrimination provision of the ...

Blog

HIPAA Final Rule Strengthening Reproductive Health Care Privacy

UPDATE JUNE 24, 2025: On June 18, 2025, the U.S. District Court for the Northern District of Texas struck down, on a nationwide basis, the HIPAA final rule strengthening reproductive health care privacy, detailed in the article below. As a reminder, ...

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House Tax & Spending Bill: Noteworthy Employee Benefit Changes

On May 22, 2025, the United States House of Representatives narrowly passed sweeping tax and spending legislation, titled the “One Big Beautiful Bill Act,” to implement President Trump’s policy goals within the budget reconciliation process. This ...

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How AI, Fire Technology, and Insurance Companies Are Reinventing Wildfire Detection in 2025

A new era of wildfire awareness May marks National Wildfire Awareness Month—a timely reminder as communities brace for another intense fire season. This year began with a devastating preview: the Palisades and Eaton Fires destroyed more than 12,000 ...

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How Changes to Federal Estate and Gift Tax Exemption May Impact Wealth Transfer

Significant tax changes are on the horizon for high-net-worth (HNW) individuals and families. The current historically high federal estate and gift tax exemptions are set to “sunset” at the end of 2025, which will lead to a substantial increase in ...

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How Cybercrime is Hijacking the Supply Chain: Cargo Theft, Fraud, and Insurance Gaps

Cyber risk is no longer just the IT department's problem in today's fast-moving transportation industry. What once felt like a concern for data security teams or finance offices has evolved into a systemic threat that touches nearly every part of ...

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How Deregulation Could Affect Your Financial Services Business

Key takeaways: The new presidential administration is likely to prioritize a deregulatory agenda. The 2008 financial crisis demonstrated the risks of banking deregulation and weak oversight. Protect your organization by focusing on governance and ...

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How Lithium-Ion Battery Hazards Are Changing Yacht Insurance

Editor's Note: This article originally appeared in SuperYacht Times. Reprinted with permission.

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How Sexual Abuse and Molestation Claims Are Reshaping Healthcare Risk and Insurance

$1.1B. That’s what one university hospital system paid to settle sexual abuse claims involving a single physician. And it’s not an outlier. Across the country, sexual abuse and molestation (SAM) claims in healthcare are growing more frequent, more ...

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How the Fragmentation of Healthcare Impacts Claims Payment Integrity

The healthcare industry continues to attract more stakeholders, vendors, payment regulations and oversight, mergers and acquisitions, and innovative revenue cycle management opportunities — and with these come complexity and sometimes unexpected ...

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How to Comply with the OSHA Hazard Communication Standard

The workplace is full of potential hazards. Some of the most overlooked are the everyday chemicals employees encounter without realizing the risk.

Webinar

How to Develop a Safety Committee

Enhance your Safety Committee's effectiveness! Elevate safety standards and problem-solving skills. Watch our webinar recording now.

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How to Hire the Best Courier & Same Day Delivery Drivers - Part I

Here is where the rubber meets the road when examining how best to hire a courier driver. The drivers you hire, employees or contracting independent drivers, are a critical component to your overall success in controlling losses. Equally as ...

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How to Hire the Best Courier & Same Day Delivery Drivers - Part II

In the world of courier and same-day delivery, it should be as clear as the road in front of you. Professional driver contracting and ongoing monitoring is critical to enhancing your safety record and minimizing costs associated with motor vehicle ...

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How to Hire the Best Courier & Same Day Delivery Drivers - Part III

Finding the most qualified drivers or Independent Contractors for your fleet is a critical task on the road to sustained growth, profit, and long-term success. But what are the key identifiers in finding top drivers?

Blog

How to Improve Your CSA Score and Lower Insurance Costs

In the transportation industry, maintaining a strong safety record contributes to your operational success and financial stability. One key metric that impacts your insurance premiums and overall reputation is your Compliance, Safety, and ...

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How to Marina and Boatyard Fires: Safety tips

Webinar

How Your Experience Modification Rating (EMR) Impacts Your Business

Discover how your Experience Modification Rating (EMR) impacts worker compensation premiums and contractor prequalification's. Explore proactive control methods for lowering EMRs and achieving minimum thresholds. Maximize cost savings for your organization. Watch the recording now!

Response Plan

Hurricane Activation Plan Template

Guidelines

Hurricane Preparation & Recovery Guide for Homeowners

Guidelines

Hurricane Preparation Guide for Yacht Owners

Whitepaper

Hurricane Preparedness Guide

Webinar

Hurricane Season Preparedness

The 2022 hurricane season, delayed but devastating, featured Hurricane Ian, which disrupted the insurance market. Our webinar delved into the season, Hurricane Ian, and its impact on insurance markets in Florida and the U.S., with insights from Risk Strategies and One80 Intermediaries. Watch the recording for more details!

Guidelines

Hurricane Season Preparedness & Recovery Guide for Sailing Organizations

Manual

Hurricane Season Preparedness (2023)

Guidelines

Ice Dam Prevention

Whitepaper

In the Fight Against Chronic Disease, Sleep is the Hidden Gap in Care White Paper

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Income Protection: An Important Pillar of Employee Well-Being

Employee benefits programs can both positively – and negatively – impact your employees’ income. Employees need more than just good pay. During an employee’s tenure, they will have planned and unplanned expenses. This is why it’s important they are ...

Webinar

Industrial Hygiene - What Is It and When Is It Needed

Please watch our webinar for an overview of the fundamentals of Industrial Hygiene and how it can affect your business. This webinar focuses on the specialized concerns within Industrial Hygiene practices. We discuss exposures to noise, radiation, and hazardous chemicals and where those exposures can lurk within your industry.

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Insights from Our Third Annual Student Health Plan Benchmarking Survey

Good healthcare is connected to student success. Understanding student health insurance plans help insurers develop cost-saving strategies and support mental health needs. Analyzing trends and learning from student programs improves healthcare ...

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Insights from the 4th Annual Student Health Plan Benchmarking Survey

As student health insurance plans evolve, institutions are adapting to rising costs, shifting priorities, and changing enrollment patterns. The Fourth Annual Risk Strategies Student Health Plan Benchmarking Survey captures key insights from colleges ...

Whitepaper

Insomnia: The need for an integrated care approach

In the Fight Against Chronic Disease, Sleep is the Hidden Gap in Care (Part 2)

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Insurance Challenges for High-Net-Worth Individuals in California

Imagine this: You’ve been living in California for decades. You’re a successful individual with multiple vehicles and a home valued in the multi-millions. In recent years, raging wildfires and increased flooding in your area have put your property ...

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International Brochure

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IRS Adds to Preventive Care Benefit List for HDHPs

Summary: On October 17. 2024, the Internal Revenue Service (IRS) issued Notice 2024-75, adding to the list of preventive care benefits permitted to be covered by high-deductible health plans (HDHPs) without first satisfying the deductible, or with a ...

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IRS Announces Increased HSA, HDHP and EBHRA Limits for 2026

The Internal Revenue Service (IRS) just announced in Revenue Procedure 2025-19 inflation adjustments to the applicable dollar limits for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for 2026, along with the maximum amount ...

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IRS Announces Increased HSA, HDHP, and EBHRA Limits for 2025

The Internal Revenue Service (IRS) recently announced in Revenue Procedure 2024-25 inflation adjustments to the applicable dollar limits for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for 2025, along with the maximum ...

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IRS Announces Increased Retirement Plan Limits for 2025

On November 1, 2024, the Internal Revenue Service (IRS) announced in IRS Notice 2024-80 cost-of-living adjustments to the applicable dollar limits for retirement plans for 2025.

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IRS Confirms Unused Qualified Transportation Benefit Funds Cannot Be Refunded

Summary: The Internal Revenue Service (IRS) released an information letter earlier this year in response to an employee’s request for a refund of her qualified transportation benefit program funds that went unused due to commuting changes caused by ...

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IRS FAQs Released On Educational Assistance Benefits

Summary: The Internal Revenue Service (IRS) recently released a frequently asked questions (FAQs) fact sheet addressing educational assistance benefit programs under Section 127 of the Internal Revenue Code (Code). Qualified educational assistance ...

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IRS Guidance Released Clarifying Alternative Manner of Providing ACA Forms

Summary: On February 21, 2025, the Internal Revenue Service (IRS) released clarifying guidance in Notice 2025-15 regarding an “alternative manner” notice method of providing Affordable Care Act (ACA) reporting forms to covered individuals, including ...

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IRS Private Letter Ruling Offers Employee Choice Between Tax-Favored Benefits

Summary: The Internal Revenue Service (IRS) issued a Private Letter Ruling (PLR) on May 20, 2024, approving an employer’s proposed amendments to its 401(k) retirement plan. These proposed amendments offer employees a choice to allocate a portion of ...

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IRS Releases ACA Affordability Rates for 2025

The Internal Revenue Service (IRS) released Rev Proc. 2024-35 on September 6, 2024, announcing the Affordable Care Act (ACA) affordability percentage threshold for plan years beginning January 1, 2025. This percentage is adjusted annually for ...

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IRS Releases FAQs on Tax Treatment of Work-Life Referral Programs

Summary: The Internal Revenue Service (IRS) released Fact Sheet 2024-13 on April 16, 2024, containing FAQs clarifying the federal tax treatment of employer-provided work-life referral (WLR) programs. These FAQs generally state that WLR programs ...

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IRS Releases Health Care FSA, Commuter and Adoption Assistance Benefit Limits for 2025

The Internal Revenue Service (IRS) released Revenue Procedure 2024-40 on October 22, 2024, outlining cost-of-living adjustments for health care flexible spending accounts (FSA), commuter, and adoption assistance program benefits for the 2025 taxable ...

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IRS Tax Guidance Issued For State PFML Programs

Summary: The Internal Revenue Service (IRS) issued Revenue Ruling 2025-4 (“Revenue Ruling”) on January 15, 2025, providing much-awaited and helpful guidance regarding the federal income and employment tax treatment of contributions and benefits ...

Guidelines

Jackline Insurance Program – Survey Guidelines

Checklist

Key Questions to Ask Your Broker

Blog

Last-Mile Delivery Risks: Why You Need Commercial Umbrella Insurance

In last-mile delivery, protecting your business goes beyond just having the basics. As road risks grow, having comprehensive coverage is a smart way to safeguard your business. That’s where commercial umbrella insurance comes in. It’s an extra layer ...

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Latest Supreme Court Decision Preserves Access to Mifepristone

On June 13, 2024, the Supreme Court issued a decision preserving widespread access to mifepristone, a medication whose primary intent is to aid in medical termination of early pregnancy. This unanimous decision by the Supreme Court determined that ...

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Law Firms Brochure

Blog

Liquor Liability Insurance: Mitigating Your Risk

To sell alcohol, your business must carry the liquor liability coverage required by your state or local jurisdiction. Unfortunately, the cost for this insurance keeps rising, leading to increased financial pressure on the hospitality industry.

Blog

Lower Workers’ Comp Insurance Costs: 5 Tips for Restaurants

Key takeaways: Workers’ compensation insurance costs are within your restaurant’s control. To reduce workers’ comp expenses, start by identifying your biggest claim cause. That’s where you want to put your efforts. Statistics show delayed claim ...

Blog

Maine PFML Contributions Begin in 2025: Employer Next Steps

Summary: As we previously reported here, Maine passed their own paid family and medical leave program (ME PFML) in July 2023 and became the last state in New England to enact a PFML program. Payroll contributions to ME PFML will begin on January 1, ...

Webinar

Making Safety Simple: Minimizing Risks and Reducing Workers' Comp Costs

Watch our webinar that took place on April 30th at 1:00 PM EST. Our team focused on the four pillars: food safety, operational safety, employee safety, and customer safety. Additionally, focused on the connection between safety and workers' comp. Watch the recording now.

Report

Management and Cyber Liability Q1 2024 Market Outlook

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Management Liability Brochure

Blog

Maryland PFML Program Delayed Once Again

On April 25, 2024, Maryland Governor Wes Moore signed legislation delaying, once again, the Maryland paid family and medical leave program (called “A Time to Care Act of 2022” and hereinafter referred to as “MD PFML”).

Blog

Maryland PFML Program Delayed Yet Again

The Maryland General Assembly passed a bill on April 7, 2025, delaying certain implementation dates for Maryland’s paid family and medical leave insurance program (MD PFML). Maryland Governor Wes Moore is expected to sign the bill in the coming ...

Blog

Massachusetts Expands Earned Sick Time Law For Reproductive Loss Events

Summary: Massachusetts Governor Maura Healey signed legislation on August 23, 2024[1], that, among other items, expands the qualifying reasons under the Massachusetts (MA) earned sick time law to include reproductive-related loss events, effective ...

Blog

Massachusetts Health Plan Coverage & Reporting Requirements: What Employers Need to Know

Summary: Employers with Massachusetts (MA) resident employees take note of: Certain Massachusetts state law with respect to health plan coverage requirements for state residents, and Compliance obligations in connection with employer health plan ...

Blog

Massachusetts PFML Updates for 2025

The Massachusetts Department of Family and Medical Leave (the “Department”) recently announced several updates in connection with the Massachusetts Paid Family and Medical Leave (“MA PFML”) program for 2025, outlined in the table below.

Webinar

Medicare 101

Discover the ins and outs of Medicare in our comprehensive recorded webinar!

Webinar

Medicare and Employer Sponsored Health Plans

Learn more about Medicare and Employer Sponsored Health plans in this comprehensive webinar.

Guidelines

Medicare and VA Benefits

If you are a veteran that served on active duty in the U.S. Armed Forces, you may be eligible for Veterans Affairs (VA) benefits.

Guidelines

Medicare Basics

Understanding Medicare Part A, B, C & D

Guidelines

Medicare Fraud

There are several ways you can prevent Medicare fraud.

Guidelines

Medicare Open Enrollment

Medicare annual open enrollment information.

Blog

Medicare Part D Creditable Coverage – Changes & Challenges for 2025

Summary: The Inflation Reduction Act of 2022 (IRA), enacted by Congress in August 2022, includes several cost-reduction provisions affecting Medicare Part D plans. The most significant provision for employer-sponsored group health plans is that the ...

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Medicare Part D Creditable Coverage: CMS Finalizes Revised Simplified Determination Method for 2026

Summary: As we previously reported last year here, the Inflation Reduction Act of 2022 (IRA), enacted by Congress in August 2022, includes several cost-reduction provisions affecting Medicare Part D plans. The most significant provision for ...

Blog

Medicare Part D Creditable Coverage: CMS Proposes Revised Simplified Determination Method for 2026

Summary: As we previously reported last year here, the Inflation Reduction Act of 2022 (IRA), enacted by Congress in August 2022, includes several cost-reduction provisions affecting Medicare Part D plans. The most significant provision for ...

Blog

Mental Health Parity 2024 Final Rules Update: Non-Enforcement Statement Published

Summary: On May 15, 2025, the U.S. Departments of Labor, Health and Human Services, and the Treasury (collectively, the “Departments”) published a statement announcing that they will not enforce certain portions of the Mental Health Parity and ...

Blog

Mental Health Parity Final Rules Released: What Group Health Plans Need to Know

UPDATE May 13, 2025: In response to a recent high-profile lawsuit filed by a prominent employer advocacy group challenging the Mental Health Parity Final Rules (Final Rules), the Departments, in conjunction with the Department of Justice, filed a ...

Blog

Michigan Paid Sick Leave Changes Coming in 2025

UPDATE January 8, 2025: The Michigan Department of Labor and Economic Opportunity recently published an FAQs webpage providing clarity and additional guidance to employers on the Michigan Earned Sick Time Act (MI ESTA), ahead of its February 21, ...

Guidelines

Minimizing Risk at Holiday Time

Blog

Miscellaneous Professional Liability (MPL) Essentials for 2024

In today’s dynamic business landscape, professionals across industries face an ever-present risk of claims due to inadequate work or negligent actions. From a consultant’s strategic advice to a financial advisor’s investment recommendations, even ...

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Missouri Paid Sick Leave Repealed: What Employers Need to Know

As we previously reported here, the Missouri paid sick leave (MO PSL) law requirements went into effect on May 1, 2025, and were subsequently repealed in short order by the Missouri General Assembly (H.B. 567) on May 14, 2025.

Blog

More Changes to Michigan Paid Sick Leave: What Employers Need to Know

As we previously reported here, Michigan employers are now required to provide employees with more generous paid sick leave (known as the Michigan Earned Sick Time Act or “MI ESTA”) than what was required under Michigan’s previous paid sick leave ...

Blog

Moving Beyond the Fragmentation of Behavioral Healthcare

Achieving optimal health cannot rely on improving physical health alone. Our holistic health journeys must nurture emotional resilience, a sense of well-being, and overall mental and physical health. Research conducted by the National Institute of ...

Whitepaper

Museum-Gallery Hurricane Preparedness Checklist

Blog

National Insurance Awareness Day 2025: How Industry Transformation Creates Opportunity and Growth in Insurance Brokerage

Every year on June 28, National Insurance Awareness Day prompts individuals and businesses to revisit their policies and risk strategies. But for those of us on the inside, it’s far more than a calendar reminder—it’s a moment to reflect on how this ...

Webinar

Natural Catastrophe Preparedness

Hurricane season is fast approaching and early predictions are for a record-breaking season. With the increase in frequency and severity of natural catastrophe events, we all have to ask ourselves if we are truly prepared for anything. Watch our webinar to learn ways you and your business can prepare so when disaster strikes, you're already ahead of the game.

Whitepaper

Natural Disaster Preparedness Kit

Blog

Navigating the Complex, Ever-Changing Yacht Insurance Market

Imagine this: You are finally nearing retirement, and you are financially secure. You and your spouse decide to get that bigger yacht you've always talked about so that you can spend more time on the water and do some extended cruising in the ...

Blog

Nebraska Paid Sick Leave Updates: What Employers Need to Know

Summary: As we previously reported here, voters in Nebraska approved a November 2024 ballot measure requiring employers to provide paid sick leave to employees working in the state (NE PSL), effective October 1, 2025. Nebraska Governor Jim Pillen ...

Blog

New Gag Clause Prohibition Attestation Guidance

Summary: The Departments of Health and Human Services, Labor and the Treasury (collectively, “the Departments”) published frequently asked questions (FAQs) on January 14, 2025, providing clarity and guidance with respect to the No Surprises Act ...

Blog

New Group Health Plan Fiduciary Lawsuit Draws Attention

UPDATE: On January 24, 2025, a U.S. District Court for the District of New Jersey dismissed two claims alleging breach of fiduciary duties under ERISA in the class-action lawsuit filed against J&J, detailed below. In dismissing the two ERISA ...

Blog

New Jersey Disability and Family Leave Insurance Rate Increases for 2025

Summary: New Jersey recently announced its Temporary Disability Insurance (NJ TDI) and Family Leave Insurance (NJ FLI) program rates for 2025. Unlike in 2023 and 2024, when employees did not contribute to NJ TDI, employees working in New Jersey will ...

Blog

New NYC Lactation Accommodation Policy Posting Requirement

Summary: Effective May 11, 2025, most New York City (NYC) employers must physically and electronically post their written lactation accommodation policy, in compliance with NYC’s lactation accommodation law. Read on for more information.

Blog

New Required Notice for Fixed Indemnity Plans in 2025

UPDATE - December 16, 2024: On Dec. 4, 2024, a federal district court in Texas struck down the new notice requirement for fixed indemnity coverage in the group market. This new notice requirement was scheduled to be in effect for plan years ...

Blog

New White Papers on the Horizon

In mid-December of 2023, we published an Emerging Trends & Patterns in Healthcare Market Segments white paper that touched on a host of issues and considerations. Contained within was a series of observations around regulatory, legislative, and ...

Blog

New York Paid Prenatal Leave Starts January 1, 2025

Summary: As we previously reported here, New York will become the first state in the nation to require employers to provide paid prenatal leave for their employees working in New York, starting January 1, 2025. The New York State Department of Labor ...

Blog

New York Passes Landmark Paid Prenatal Care Leave for 2025 & Paid Lactation Breaks Coming Sooner

Summary: New York will become the first state in the nation to require employers to provide paid prenatal leave for their employees working in New York, starting January 1, 2025. Additionally, New York State employers will be required to provide ...

Blog

New York Releases Paid Family Leave Rates for 2025

Summary: New York Paid Family Leave (NY PFL) launched in 2018 to provide caregiving benefits to New York State (NYS) workers and their families. NY PFL was implemented in a four-year phase in period and benefits are now fully phased in. In 2025, the ...

Blog

Nursing Shortage 2024: Impact of State Department's Visa Freeze on Foreign Nurses

The U.S. healthcare system is grappling with a significant nursing shortage in 2024, exacerbated by the U.S. State Department's decision to freeze new visas for international nurses. This policy affects nurse availability, patient care quality, and ...

Blog

Ohio Insured Plans Now Must Cover Childhood Hearing Aids

Summary: Ohio Governor Mike DeWine recently signed omnibus legislation (House Bill or H.B. 315) on January 2, 2025, requiring fully insured health insurance plans issued in Ohio to cover hearing aids for children up to age 21, beginning April 3, ...

Webinar

OSHA 300 Log and Inspections

Discover OSHA 300 logs and their importance in our past webinar. We explained how to navigate, complete, and submit these logs on OSHA's login.gov platform to stay compliant. Watch the recording to learn more and prepare for OSHA inspections.

Webinar

OSHA Job Hazard Analysis

Please watch our webinar where we explore the importance of Job Hazard Analysis (JHA) in ensuring workplace safety. Learn how conducting JHAs not only satisfies our obligations as employers under OSHA’s General Duty Clause but more importantly identifies and helps us mitigates hazards to provide a safe and healthy work environment for our employees. Watch the recording here!

Blog

OSHA's Top 10 Violations for 2023: A Breakdown

Following the announcement of OSHA’s Top 10 Most Frequently Cited Standards of 2023, Risk Strategies hosted a webinar discussing these violations and how to avoid them. This list offers valuable insights for safety professionals and industry ...

Blog

Paid Sick Leave Coming to Alaska in 2025: What Employers Need to Know

Summary: Voters in Alaska recently approved a ballot measure requiring employers to provide paid sick leave to employees working in the state, effective July 1, 2025. Read on for key details of the upcoming Alaska paid sick leave requirements and ...

Blog

Paid Sick Leave Coming to Missouri in 2025: What Employers Need to Know

UPDATE: Despite recent litigation and state legislative activity in connection with challenging and repealing MO PSL, respectively, employers are still advised to pay attention to upcoming compliance deadlines of May 1, 2025 for MO PSL to take ...

Blog

Paid Sick Leave Coming to Nebraska Later in 2025: What Employers Need to Know

Summary: Voters in Nebraska recently approved a ballot measure requiring employers to provide paid sick leave to employees working in the state, effective October 1, 2025. Read on for key details of the upcoming Nebraska paid sick leave requirements ...

Whitepaper

Pandemic Property and Casualty Tips

Blog

PCORI Fee Amount Increase for 2025

The Internal Revenue Service (IRS) recently issued Notice 2024-83, increasing the fees paid by group health plans to fund the Patient-Centered Outcomes Research Institute (PCORI).

Webinar

Peer Review In Design: Pluses & Perils

A proposal is a design firm’s chance to stand out, impress the client, and win the work. This program delve into the potential hazards associated with using "sales" language in proposals and how generic "boilerplate" proposals create risk. Additionally, it delve into effective strategies to craft winning proposals that not only impress, but also safeguard the design firm’s interests. Watch the recording now!

Blog

Peer Review in Design: Pluses and Perils

Peer review is an increasingly important aspect of the design industry. Examples of expensive and potentially disastrous fails like San Francisco's sinking Millennium Tower highlight the need for stricter peer review in design. This process involves ...

Blog

Personal Health & Wellness Expenses Cannot Be Reimbursed From FSA/HRA/HSA

The IRS recently issued an alert reminding taxpayers that tax-advantaged health spending accounts, such as health flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs), cannot pay for, or reimburse, personal expenses for ...

Blog

PFAS Liability: How the Latest EPA Ruling Affects Your Business

We’ve reached a turning point. Per- and polyfluoroalkyl substances (PFAS), once hailed for their industrial applications and water-resistant properties, are now a widespread health concern. Business leaders, environmentalists, and regulators have ...

Whitepaper

Planned Power Shut-offs for Businesses

Whitepaper

Planned Power Shut-offs for Homes

Guidelines

Political Violence Insurance for Fine Art

Conflicts, tensions, and elections around the globe are sparking concerns among museums, galleries, and art collectors. Could civil unrest endanger art in transit or on display? If yes, how can the fine art community protect against these risks? Here’s an information guide to consider when formulating your risk management strategy.

Report

Portable Fire Extinguishers – Safety Report

Webinar

Post-Crowdstrike: Takeaways and Learning Lessons

Risk Strategies National Cyber & Technology product leader, Allen Blount, and Commercial Lines Leader, Randy Raymond, drove a discussion on the lessons learned from the CrowdStrike outage and the importance of cyber liability coverage.

Checklist

Post-Hurricane Checklist

Blog

Pregnant Workers Fairness Act (PWFA) Final Rule Highlights

On April 19, 2024, the U.S. Equal Employment Opportunity Commission (EEOC) published a final rule[1] to implement the Pregnant Workers Fairness Act (PWFA). As a reminder, the PWFA first went into effect on June 27, 2023[2]. This final rule, which ...

Report

Preparing for California's Workplace Violence Prevention Law

Brochures

Preventing Losses at Yacht Clubs - Data Dive & Claims Stories - 2024

Guidelines

Preventing Slips, Trips, Fall at Sailing Organizations

Blog

Preventing Workplace Violence in Healthcare: 2025 Legislative and Safety Strategies

Workplace shootings and violent attacks continue to run rampant. Unfortunately, healthcare facilities are not immune to these senseless incidents. Your employees are in harm's way every day while on the job. You can ensure their well-being with ...

Guidelines

Private Client Claims Advocacy Services

Guidelines

Private Client Claims Reporting Guidelines

Guidelines

Private Client Services Brochure

Brochures

Private Equity Brochure

Report

Private Equity: Transactional 2024 Market Outlook

Webinar

Product Recall Strategies for the Food & Beverage Industry

Watch our Product Recall Strategies webinar recording now. Amber Krogman of Risk Strategies spoke with Matthew Carpenter from AmWins Insurance Brokerage and Kim Daniels from RQA, Inc. to dissect the ins and outs of product recall and contamination insurance policies, and how to prepare for recalls and mitigate the impact to your company.

Blog

Progressive Design Build: Improving and Expediting Project Outcomes

Key takeaways: Progressive design-build (PDB) is an alternative project delivery method that can reduce risk and improve insurability, especially in high-risk scenarios. PDB integrates the owner, contractor, and design team early in the design ...

Brochures

Property Brochure

Blog

Protecting Your Business from Deepfake Threats

Deepfake technology blurs the line between reality and fabrication. While sometimes used for entertainment purposes or as a novelty, deepfakes can be a dangerous tool for cybercriminals, enabling scams, blackmail, and misinformation. Learn more ...

Whitepaper

Provider Network Valuation: The Inadequacy and Incompleteness of Uniform Discount & Data Specifications (UDS)

Report

Q3 2023 Clinical RX Pipeline Report

Report

Q4 2023 Clinical RX Pipeline Report

Brochures

Real Estate Brochure

Blog

Recent DOL Guidance on Group Life Insurance Premiums & EOI Practices

Summary: The U.S. Department of Labor (DOL) recently announced two separate settlements with major life insurance carriers (Unum and Lincoln), requiring them to revise their evidence of insurability (EOI) practices in the wake of federal ...

Blog

Recent Spotlight on IVF and Contraceptive Coverage Options

Summary: Recent developments have spotlighted in vitro fertilization (IVF) coverage in Alabama and contraceptive coverage options generally. These developments, along with recent regulatory guidance, have sparked increased interest and inquiries ...

Blog

Recent Supreme Court Decision Overruling Chevron: Impact to Employee Benefits

On June 28, 2024, the United States Supreme Court issued a landmark decision in Loper Bright Enterprises v. Raimondo and Relentless Inc. v. Department of Commerce (Loper), overruling its prior decision in Chevron, U.S.A. Inc. v. Natural Resources ...

Whitepaper

Recovery Action Checklist

Brochures

Relocation Brochure

Blog

Reminder: San Francisco HCSO Upcoming Reporting Deadline

Employers covered by the San Francisco Health Care Security Ordinance (HCSO) are required to submit the 2024 HCSO Annual Reporting Form by Friday, May 2, 2025.

Blog

Reminder: San Francisco HCSO Upcoming Reporting Deadline

Employers covered by the San Francisco Health Care Security Ordinance (HCSO) are required to submit the 2023 Annual Reporting Form by Friday, May 3, 2024.

Blog

Reporting Employer-Sponsored Health Coverage on 2024 Form W-2

The January 31, 2025 deadline to file (and furnish to employees) 2024 Forms W-2s, Wage and Tax Statements, is quickly approaching.

Whitepaper

Reproductive Health White Paper

Blog

Restaurant Food Safety: Protecting Guests with Food Allergies

Operating a restaurant means more than serving memorable meals. You also carry the responsibility to deliver a safe dining experience for every guest. For people with severe food allergies and other food-related medical conditions, eating out poses ...

Webinar

Return to Work Program

In our past webinar, we explored the importance of having a return-to-work policy and timely claims reporting when an employee gets injured on the job. Watch the recording to discover the benefits of such policies.

Whitepaper

Riot Protection

Report

Risk Report: Safe Propane Usage & Storage

Webinar

Risk Strategies Consulting Public Forum

Blog

Risk Strategies Consulting – What Makes Us Who We Are?

Risk Strategies Consulting was formed in January 2023, as a separate and distinct entity within the Risk Strategies structure. The goal was to create a differentiating, independent consulting entity designed to serve the specific needs of large and ...

Report

Risk Strategies Consulting: Observations from 2018 Medicare Experience

Webinar

Safety Psychology

Safety is fundamentally about people, including those we work with and their families. OSHA Regulations, evolving since 1970, adapt to changing workplaces. Despite measures like programs and protective gear, injuries persist. Safety Psychology goes beyond physical measures, delving into how human actions affect organizational safety. Watch the recording to uncover overlooked crucial elements.

Guidelines

Sample Comprehensive Commercial Network Quantification & Enhanced Uniform Data Specifications Questionnaire

Blog

San Francisco Health Care Security Ordinance Rates for 2025

The 2025 rates for the San Francisco Health Care Security Ordinance (HCSO) were recently released by the San Francisco Office of Labor Standards Enforcement (OLSE).

Blog

SEC Scrutiny and Crypto Insurance: Protecting Your Investments

Recently, Uniswap Labs received a Wells Notice from the Securities and Exchange Commission (SEC). The notice formally warns Uniswap, the largest decentralized crypto exchange (DEX), that federal regulators will bring charges against it.

Webinar

Smart Technology in Safety and Property Protection

Over the past few years, we have seen a significant increase in the use of “smart” devices to monitor everything from fleet/auto safety to water damage and injury to freezing temperatures. These devices help empower employers and owners to reduce their risks through early notifications of a potential issue. This webinar will review some of these devices and their pros and cons.

Blog

Social Media Posts Can Affect Your Insurance Rates

Editor's Note: This article about social media and insurance underwriting recently appeared in the Oregon Restaurant and Lodging Association’s blog. Reprinted with permission, this piece includes helpful tips for hospitality, entertainment, and ...

Guidelines

Special Events - Safety Tips & Liability

Whitepaper

State of the Hired & Non-Owned Auto Liability Market in 2025

One of the questions we have been recently asked by clients is “What will happen with the hired and non-owned auto liability rates? Download our whitepaper.

Report

State of the Market

Report

State of the Market 2022 Outlook

Report

State of the Market 2022 Wrap-Up & 2023 Initial Outlook

Report

State of the Market 2023 Outlook

Report

State of the Market 2024 Initial Outlook

Report

State of the Market 2024 Wrap-Up and 2025 Initial Outlook

Whitepaper

Strategies to Mitigate Risk

Blog

Strengthening Cybersecurity in Car Dealerships: Lessons from the CDK Global Hack

The recent cyberattack on CDK Global, which affected thousands of car dealerships nationwide, underscored significant vulnerabilities within industries in which a single vendor hack can disrupt entire swaths of the market, such as healthcare and ...

Blog

Summary of 2025 State PFML & Paid Leave Developments

The beginning of a new year is an ideal time to provide employers with a summary of recent developments and updates with respect to state-mandated paid leave and paid family and medical leave (PFML) programs.

Blog

Supreme Court Rules ADA Protections Do Not Apply to Retirees

Summary: The United States Supreme Court issued a decision on June 20, 2025 (Stanley v. City of Sanford), holding that a former employee does not have the right to sue their former employer under the Americans with Disabilities Act’s (ADA) ...

Brochures

Surety Brochure

Blog

Tennessee Law Prohibiting Transgender Care for Minors Upheld by Supreme Court

Summary: The United States Supreme Court released a closely-watched and high-profile ruling on Wednesday, June 18, 2025 in U.S. v. Skrmetti, upholding a Tennessee state law prohibiting health care providers from administering puberty blockers and ...

Blog

The AI Revolution: Navigating D&O and Cyber Insurance Implications for Private Equity

The emergence of artificial intelligence (AI) and its widespread reach are no longer simply concerns for AI developers. The risks and exposures of AI aren’t limited just to errors and omissions (E&O), and cyber claims in the tech ...

Blog

The Baltimore Bridge Collapse: Who’s Liable?

The collapse of the Francis Scott Key Bridge following a collision with the container ship Dali could result in the most expensive marine insurance payout in modern history, potentially exceeding $1 billion. The ship owners and their insurers, ...

Blog

The Bankruptcy Support You Haven’t Heard Of

More public companies going bankrupt means more problems for directors and officers. If you find yourself in a litigation storm, specialized insurance solutions can be a lifesaver. Additional policies may offer more protection than just a directors ...

Blog

The Christie’s Auction House Hack and You

The ongoing hack of Christie’s auction house immediately ahead of a planned $840M art sale is an abject lesson in the realities of risk in today’s internet-connected and dependent business world.

Blog

The Economic Burden of Insomnia: Evaluating Treatment Costs and Health Impacts

Chronic insomnia, a prevalent sleep disorder affecting an estimated 10-15%1 of the general population, represents a critical yet often overlooked component of chronic disease management. Left untreated or improperly managed, chronic insomnia ...

Whitepaper

The Fine Print: What Regulatory Coverage is Offered in your General Partnership Liability Policy?

Blog

The Future of Risk: Cyber Threats Affecting Businesses in 2025

Editor’s note: The way businesses approach risk is undergoing a fundamental shift. This article is the second in a series entitled Future of Risk. The series opener explored the growing prevalence of systemic risks — challenges that are ...

Blog

The Future of Risk: Land Under Pressure — Managing Systemic Climate Risks

Editor’s note: This article is the third installment in our Future of Risk series, which explores the rise of systemic risks — threats that are difficult to predict, span industries, and carry the potential for widespread disruption. This piece ...

Blog

The Future of Risk: Systemic Risks to Watch in 2025

The days of treating risks as isolated incidents are over. As we move deeper into 2025, business owners need to rethink how they view risk. Today’s most damaging challenges are deeply connected, compounding, and often lurk beneath the surface until ...

Whitepaper

The Highly Complex Pharmacy Supply Chain White Paper

Blog

The Human Capital Management Strategy-to-Execution Disconnect

Organizations typically have siloed Human Resources (HR) and finance systems, data, and processes to run payroll, administer employee health and welfare benefits, and manage other key HR systems and functions. This hampers the experience for all ...

Blog

The Importance of Management Liability Insurance in the Wake of the FTC Noncompete Rule

The Federal Trade Commission's (FTC) ban on non-compete agreements will upend traditional employment practices, affecting a wide swath of employers, employees, and legal professionals. As this landmark rule takes effect in September, employers will ...

Blog

The Key Component Missing in Benefits Strategy Planning

When it comes to your employee benefits strategy, offering a broader choice is directionally appropriate for most organizations. However, it does not mean offering a plethora of options is right for your business or for your employees.

Webinar

The Process for Automobile, Property, & General Liability Claims

Our webinar recording on "The Process for Automobile, Property, & General Liability Claims: Claims Reporting and Handling Guidelines," which covered topics such as automobile accidents and claims, property claims, and general liability claims, is now available for viewing. Check it out to gain valuable insights into these areas.

Blog

The Rise of Direct to Employer Healthcare Relationships

Today's healthcare landscape is evolving, with traditional service delivery adapting to meet diverse needs more effectively. The Direct to Employer (DTE) healthcare model exemplifies this shift, emerging as a significant growth avenue for health ...

Blog

The Starting Point for Building a Balanced Benefits Strategy

Both CFOs and CHROs have a needed perspective on an organization’s benefits strategy. The CFO is focused on the financial impacts of benefits while the CHRO is more attuned to implementing benefits aligned with the organization’s recruit and retain ...

Whitepaper

The Top Five Risk Management Challenges for Nonprofits

Blog

The Underlying Opportunity in Healthcare Point Solutions

Healthcare point solutions are services designed to provide a health, wellness, and/or condition-based service to supplement a benefits plan. These solutions address a specific condition and provide care or a program that meets a need in the ...

Blog

These 5 Steps Drive Positive Wellness Program Health Outcomes

A successful wellness program must be aligned with what employees consider important. Implementing a wellness program without employee input will not guarantee that the health of your workforce improves. Employees need to be shown the value of ...

Webinar

Tips from the Trenches: Change Management

In the "Change Management: A Risk Manager's Role in Sustaining Operational Efficiency" interview series, we explored common organizational barriers to change, identified critical success factors for change adoption, understood that people resist control more than change, and learned about Newmawashi, a Japanese approach for obtaining quick agreement on change.

Webinar

Tips from the Trenches: Cyber Renewal

The cyber marketplace is undergoing a period of unprecedented change. Colleges and universities are particularly being impacted due to historical claims experience. Watch Steve Bryant and Rob as they discuss the importance of being proactive and implementing best-in-class controls to differentiate yourself in this market and control your total cost of risk.

Webinar

Tips from the Trenches: Disaster Recovery Part 1

Dive into the insightful world of Higher Education risk management with Steve Bryant's "Tips from the Trenches" interview series. In Part One, Steve engages in thought-provoking discussions with subject matter experts, unraveling the complexities of risks in Higher Education. Watch the recorded webinar now!

Webinar

Tips from the Trenches: Disaster Recovery Part 2

Elevate your disaster recovery strategy. Watch part two, Tips from the Trenches, an exclusive interview series featuring Steve Bryant and Tres Hurst. Discover key insights on building strong relationships between institutions and their disaster recovery partners. Watch the recording now!

Webinar

Tips from the Trenches: Disaster Recovery Part 3

Dive into the aftermath of catastrophe on a university campus in the concluding episode of our Disaster Recovery interview series. Join Steve Bryant and subject matter expert Tres Hurt as they share insights and strategies. Watch the recording now!

Webinar

Top 10 OSHA Citations Webinar

Every year OSHA releases its most cited regulations in both General Industry and Construction and then there is the top 10 list that is a combination of both. Please watch our recording as we dive into the top 10 most frequently cited standards to gain a better understanding of how to prevent those hazards from popping up at your construction project or facility.

Blog

Top 3 Mistakes When Searching for Commercial Auto Insurance

Navigating commercial auto insurance can be daunting. With so many policy options available, it’s easy to find yourself overwhelmed. As you work to protect your operations from expected and unexpected risks and liabilities, the search for affordable ...

Blog

Transparent Financial Disclosure

In our recently published white paper, Disclosure, Transparency, and Fiduciary Responsibility, we describe the importance of enhanced disclosure, strong diligence, and heightened audit practices that are enforced by well-written contracts to ensure ...

Brochures

Transportation Brochure

Risk Strategies specialize in protecting the businesses that keep goods and people moving.

Whitepaper

Transportation: Do it Right: Work with Other Delivery Companies

Blog

Trucking Workforce: The Pros and Cons of 1099 Contractors vs. Employees

The transportation industry runs on efficiency. For many, the 1099 independent contractor model is the perfect solution for trucking companies. You skip payroll taxes, don’t have to provide benefits, and you potentially gain greater flexibility in ...

Blog

Understanding Cyber Liability Risks for Dental Practices

Your dental practice handles sensitive patient information, making it a target for cyberattacks. From data breaches to ransomware, the risks are growing. But how do cyber exposures differ between single-location practices, multi-location practices, ...

Guidelines

Understanding Flood Risks & Flood Insurance

Guidelines

Understanding Personal Umbrella Insurance and Determining Adequate Limits

Blog

Understanding Provider Network Valuation: Insight for Human Resources Benefits Professionals

As an employer or human resources (HR) benefits professional, you're tasked with ensuring your employees have access to high-quality healthcare. At the heart of this mission lies your healthcare plan’s provider network — a complex system designed to ...

Blog

Understanding the 23andMe Data Breach and Ensuring Cybersecurity

- UPDATE - From breach to bankruptcy: 23andMe’s data fallout continues Little more than 18 months after disclosing a major cyber breach, the subject of the original post below, 23andMe has filed for bankruptcy. The 2023 breach triggered an avalanche ...

Blog

Upcoming Medicare Part D Creditable Coverage Notice Distribution Deadline

The annual Medicare Part D enrollment period, which generally runs from October 15 until December 7 each year, is quickly approaching. Employers who offer prescription drug coverage must distribute a notice of "creditable" or "non-creditable" ...

Blog

Upcoming State Paid Leave and PFML Developments & Reminders

As the summer months roll on, now is a good opportunity to provide employers with a summary of reminders as well as recent developments and updates with respect to certain state-mandated paid leave and paid family and medical leave (PFML) programs.

Blog

Updates to Oregon Leave Laws

Summary: Oregon Governor Tina Kotek signed legislation (SB 1515) on March 20, 2024, revising the state’s Family Leave Act (OFLA) to align with the state’s Paid Leave Oregon (PLO) law and simplify leave administration for employers with Oregon ...

Blog

Using a Job Hazard Analysis to Meet OSHA Regulatory Requirements

Editor’s note: This article summarizes a recent Risk Strategies webinar based on OSHA content. For additional details, please refer to OSHA's Job Hazard Analysis documentation, OSHA 3071. Navigating OSHA regulations to maintain a safe work ...

Brochures

Waste & Recycling Brochure

Guidelines

Water Leak Prevention

Checklist

Weekly Safety Checklist for Program Director

Checklist

Weekly Safety Checklist for Sailing Organizations

Blog

What is Personal Umbrella Insurance and How Much Do I Need?

High-net-worth (HNW) individuals work hard to build their wealth. But a lawsuit, even a seemingly unfounded one, could threaten a HNW family’s financial security and their reputation if adequate and comprehensive insurance protection is not in ...

Webinar

When Water Doesn't Help; Boatyard and Marina Fires

Don't miss our past webinar discussing best practices for boatyard, yacht club, and marina fire prevention. We reviewed the causes of fires, prevention measures, and recovery steps. Watch the recording to protect your vessel and community.

Blog

Why Helping Your Employees Attain Balance is Key to Mental Health Support

Providing support to help employees stay balanced is increasingly important. Employees feel balanced when they are psychologically comfortable or content. This balance can help them navigate through life’s difficulties such as grief, divorce, work ...

Blog

Why Personal Disability Insurance for Dentists is Important

Key takeaways: Not all disability insurance policies work well for dental professionals. Here are six elements dentists need to look for when choosing personal disability insurance.

Webinar

Wildfire Mitigation and Prevention

Wildfires have become more frequent and severe over the last several years causing billions of dollars of damage and destroying communities. Discover steps that can be taken to make properties more resilient and what you can do to be prepared should a wildfire come your way. Watch the recorded webinar for valuable insights!

Guidelines

Wildfire Safety & Evacuation Action Guidelines

Guidelines

Wildfire Safety for Your Livestock and Pets

Brochures

Winery Practice Overview

Whitepaper

Winter Freeze Protection for Businesses

Guidelines

Winter Freeze-Up Prevention for Homeowners

Webinar

Winter Weather Preparation

This webinar provided valuable insights into mastering preparations and responses for winter weather. Be equipped with the knowledge and tools necessary to navigate through the challenges brought by cold weather. Watch the recording now!

Whitepaper

Women’s Health Challenges, Conditions, and Care Approaches

Blog

Workers’ Comp Insurance Cost: Planning for 2025

Unless you’re in a high-risk industry, your workers’ compensation costs may feel more manageable in 2024 (as compared to other insurance coverages). The relatively “soft” workers’ compensation insurance market has been a welcome break for many ...

Blog

Workers’ Comp Insurance: 8 Ways to Trim Costs

Editor's Note: This workers’ comp insurance article originally appeared in Premier Flooring Retailer, a trade magazine published by the World Floor Covering Association. Reprinted with permission, this piece contains helpful tips for all ...

Webinar

Workers’ Compensation: Reducing Expenses in Hospitality

Did you miss our live session? The recording of our webinar on reducing workers' compensation claims in the hospitality industry is now available. Learn actionable strategies to enhance workplace safety and cut costs. Watch the recording here!

Webinar

Workplace Active Shooter Awareness

This webinar gave insight into today's business world's active shooter climate and offered advice on quick and decisive responses in such situations, emphasizing situational awareness. It followed the "Run. Hide. Fight." methodology by the U.S. Department of Homeland Security and the FBI. Watch the recorded session for valuable guidance.

Manual

Yacht Club & Sailing Organization Safety Program Manual

Blog

Zywave Casualty Insights Conference 2025: A View from the Chair

Recently, I was honored to serve as Chair of the Zywave Casualty Insights Conference in New York. The keynote speaker was Hartford’s Mo Tooker, who provided thoughtful and engaging comments on trends in the current casualty market. Several panels ...

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