Enhancing school security is one of the most pressing responsibilities for education leaders today. As school campuses evolve, so too must the

All organizations, regardless of their size or industry, are at risk of being targeted by cybercriminals. These malicious actors can conduct

A small boat, such as a canoe or other un-motorized boat, is typically covered under the personal property portion of your homeowners insurance

Though owning a pool can allow you, your family and your friends to cool off in the summer heat, it also comes with serious responsibilities. After

Living an eco-friendly lifestyle minimizes the negative impact you have on the natural world by contributing to reduced waste, conserved energy and

Theft, trespassing, fires or other losses are constant threats on vacant construction sites. Losses might include not only the value of damaged or

Fleet fraud refers to a host of deceptive activities that may occur amid the sale and operation of commercial vehicles and their individual assets

Radon is a colorless, odorless and tasteless radioactive gas that is formed from the natural radioactive decay of uranium found in many rocks, soils

Proper maintenance prevents premature equipment failure, which may cause injuries or fatalities. Drilling equipment is subjected to stress and

Healthcare workers, especially those employed by nursing homes, perform a variety of lifting tasks that put extreme strain on their bodies. Often, an

As a fast-growing part of the energy sector, the biofuel industry has become an attractive place to work and invest. To protect your company in the

Preventive healthcare programs are proving to be one of the most effective cost-saving strategies for employers. By encouraging regular screenings,

As retirement security becomes a growing concern, employers are taking proactive steps to enhance retirement benefits, ensuring employees have the

As cyber threats continue to evolve, retirement accounts and employee benefits data have become prime targets for cybercriminals. With trillions of

Fires are a significant risk to businesses in the construction industry. In addition to significant property damage, they can cause serious injuries

When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing

Summer school risk management is essential to ensuring student and staff safety during the warm months. Many districts overlook the unique challenges

The construction industry is continuously moving toward digitization, adopting advanced technology such as artificial intelligence, the Internet of

If your teen is approaching driving age, it may be time to start thinking about adding them to your auto insurance policy. Although this will likely

Machines and equipment used in the workplace will inevitably require maintenance. Many of these machines can be dangerous for employees to work on

 In late 2014, the German Federal Office for Information Security (BSI) released a report detailing a disruptive cyber attack at an unnamed steel

Healthcare providers have been increasingly utilizing technology and turning to digitization. Innovations such as telehealth, artificial intelligence

Recent surveys indicate heightened anxiety among many U.S. employees planning to conceive or adopt children. This follows the 2024 election results

A recent analysis of government retirement plan filings suggests companies across the country could be falling short in properly managing their

With over 61 million adults with disabilities nationwide, crafting accommodating work environments pays dividends for enterprises. Recent statistics

As temperatures rise, summer facility maintenance becomes a top priority for school districts and campus managers. Taking proactive steps during the

In Workers' Compensation, the reality is that the E-Mod score determines the majority of the annual premium, rather than the non-disputable rates

Spring can bring about some of the year’s most dangerous weather and wreak havoc on many aspects of a company’s operations. This article

Sustainability has become increasingly important for healthcare facilities. Faced with regulatory requirements, cost-saving opportunities and growing

The Employee Benefits Security Administration (EBSA) recently released its annual enforcement report on the Mental Health Parity and Addiction Equity

In the spring of 2021, hackers initiated a ransomware attack against Colonial Pipeline—the largest refined oil products pipeline in the United

As technology becomes more embedded in students' daily lives, cyberbullying continues to be a growing threat to student mental health and school

School performances and assemblies are exciting opportunities for students, families, and the wider community to come together. However, to ensure a

A new generation of women is stepping up to take control of their financial futures, but some still face barriers to saving enough for a secure

Americans are feeling more confident about their finances and retirement readiness, according to new data on 401(k) and health savings account (HSA)

Job seekers nowadays have endless options if they're looking to switch jobs. With such a tight labor market, they can afford to be selective. As

Slips, trips and falls are some of the most commonly occurring accidents for agricultural workers. These serious and often preventable incidents can

Personal lines insurance can be a crucial aspect of financial planning that offers individuals and families financial protection against various

As another year has kicked off, employers have many areas of focus regarding their benefit programs. It can also be challenging to achieve all goals

Backing up a vehicle, whether it is a heavy dump truck or a small automobile, can be a difficult task with a lot of dangers involved. In fact, many

The existence of the Environmental Protection Agency’s (EPA) Oil Spill Prevention, Control and Countermeasure (SPCC) Rule, which has been in place

According to the U.S. Department of Energy, the typical American family spends over $1,386 a year on home utility bills, and a large portion of that

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of

Over the last few years, the healthcare industry has been navigating a volatile landscape shaped by changing market demands, labor shortages,

The construction industry is continuously moving toward digitization, adopting advanced technology such as artificial intelligence, the Internet of

Managing risks associated with school science labs is crucial to ensuring a safe learning environment for students and staff. Schools must take a

The U.S. Department of Labor (DOL) recently withdrew a 2021 tipped-wage rule vacated by a federal appeals court in August 2024, officially

While no one knows what 2025 will bring from an economic point of view and there are several factors that are beyond the control of organizations,

Compensation budgets are holding steady for 2025, even as concerns over talent attraction and retention ease. Employers plan to allocate similar

Volunteer Management is an essential component of many school communities, contributing to educational programs and student activities through

School parking lots are one of the busiest and most high-risk areas on campus. With students, staff, parents, and buses all navigating the same

Most employees feel good about their retirement savings, but rising day-to-day expenses can create enough stress to affect workplace productivity. To

Identity thieves get information in a variety of ways, including: Stealing personal items such as a wallet, purse, laptop, personal digital assistant

A troubling new study reveals that the majority of employees are not using all of their paid time off (PTO), costing them and their

A new study reveals that many Americans feel anxious and uncertain when it comes to planning for their retirement years. With 46% of respondents

Many have been there staring at a workers’ compensation insurance proposal, overwhelmed by a premium so steep it feels like a punishment. The

Workers’ compensation is a vital component of employee benefits for educational institutions. It provides coverage for workplace injuries or

To prevent injuries and illness as a result of winter weather, it’s important to learn about the causes, symptoms, and safety considerations to

An employer receives a written citation when it violates OSHA standards or regulations. The citation will describe the particular nature of the

Because of age or incapacitation due to illness or injury, patients in health care settings often need help performing normal daily tasks like

An imminent danger is a workplace hazard that puts you at an immediate risk of death or serious physical harm. It may be a safety hazard, such as an

To prevent injuries and illness as a result of winter weather, it’s important to learn about the causes, symptoms, and safety considerations to

Preventing Frozen Pipes in Schools is essential to maintaining a safe and operational learning environment during cold weather. Frozen and burst

One of the joys of the trucking business is the ability to travel across the country and experience the beauty of different roads from coast to

On Feb. 21, 2024, Change Healthcare, a subsidiary of UnitedHealth Group (UHG) and one of the largest platforms for managing health insurance billing

Workplace violence in the healthcare industry has been declining, but that doesn’t mean it’s completely absent from hospitals and other medical

The frigid temperatures of winter can make it necessary to ask more of your home’s furnace and heating systems. However, these increased demands

Compensation growth slowed slightly in the third quarter of the year, signaling that the white-hot labor market is cooling

Wellness programs aim to improve employee health and well-being. But many miss the mark on inclusivity, potentially doing more harm than good by

American workers continue to report alarmingly low levels of overall well-being, according to the latest research. Just one-third say they are doing

Mitigating mold and moisture risks is essential for ensuring a safe and healthy learning environment in school facilities. Excess moisture from

Federal regulators are moving to classify earned wage access programs as consumer loans, signaling a major shift for this rapidly growing employee

A significant generational shift in retirement planning is reshaping how employers need to think about their benefits packages. While older

U.S. employers are rapidly expanding their family-building benefits, with fertility and adoption support emerging as key offerings in the competitive

OSHA recently revealed its top 10 most frequently cited standards in the 2024 fiscal year using preliminary data. This information is valuable for

To help drivers of commercial motor vehicles (CMVs) remain safe and keep trucking businesses in compliance with the Federal Motor Carrier Safety

Workers exposed to cold conditions are at risk of hypothermia, frostbite, dehydration and muscle injuries. To prevent injuries and illness while

Online shopping has made it easier than ever to peruse the wares of various businesses and vendors from the comfort of your own home as you search

Winter months present additional hazards that employees like you typically don’t encounter during warmer weather. Specifically, you may risk

Cybercriminals increasingly use sophisticated methods to infiltrate businesses’ computer systems and networks, putting sensitive data and

The IRS recently released long-awaited rules that provide employers with clarity on how to implement a popular new 401(k) plan feature: matching

Employers should prepare for a major increase in healthcare costs in 2025, with new projections showing rises of 8-9 percent or more over this year's

Despite the importance of open enrollment, most employees lack enthusiasm when asked to review health insurance and other benefits forms annually.

The holiday season is a time of celebration and togetherness for schools, bringing communities together for events that highlight student

Schools often serve as polling places during elections, which presents unique safety challenges. While supporting the election process is important,

There are many advantages to selecting an HDHP/HSA option at open enrollment time—for example, HSAs have three levels of tax savings and HDHPs

Open enrollment is a crucial period for both employers and employees. It’s when employees can make important decisions about their benefits and an

To get ready for open enrollment, employers who sponsor group health plans should be aware of compliance changes affecting the design and

In February 2024, hackers initiated a cyberattack against Change Healthcare, a leading health claims processing provider in North America that

A safety committee is crucial for creating and maintaining a safe workplace culture. These committees bring together employees, management and safety

With cyberattacks on the rise, it's more important than ever for organizations to stay proactive about cybersecurity and its threats. A well-rounded

With the number of potential employee benefits rising swiftly, employers face tough choices, deciding which perks provide the highest

As the white-hot labor market of the past few years shows signs of cooling down, pay raises for U.S. workers in 2025 are projected to be slower than

As cyberattacks become more frequent and costly, it’s crucial for organizations to maximize their financial protection against related losses by

In today’s world, school crisis management has become a critical focus for educational institutions. Ensuring the safety and well-being of students

Project owners or general contractors must carefully vet contractors to ensure job site safety and financial security. A critical factor in this

Car insurance is a vital safeguard for drivers that is often legally required by states. Specifically, auto liability insurance (a standard component

Although worker safety hazards in the oil and gas extraction industry are well-known, there is very little published data regarding occupational

A recent Business Group on Health (BGH) survey found that heightened interest and spending on glucagon-like peptide-1(GLP-1) drugs is a major driver

As fall and winter bring colder temperatures, the warm interior of your home can provide shelter, breeding spaces and access to nourishment for

Fall is a beautiful time of year, but it’s also when most wildlife-vehicle collisions occur. More than 300,000 of such incidents happen yearly

In recent years, cyber incidents have surged in both cost and frequency. That’s why it’s vital for businesses of all sizes and sectors to

Many medical devices contain configurable embedded computer systems that can be vulnerable to cyber security breaches. In addition, as medical

Addressing mental health in schools is a critical aspect of fostering a supportive and nurturing educational environment. As mental health challenges

Shale gas exploration represents vast economic opportunity and an environmental advantage over other fossil fuel sources. However, the extensive use

A new Health Insurance Portability and Accountability Act (HIPAA) privacy rule went into effect on June 25, that prohibits the disclosure of

In a decision that could have major implications nationwide, a federal judge has put the Federal Trade Commission's controversial new rule

As the number of American households welcoming pets continues its 30- year climb, now including more than 66% nationwide according to recent surveys,

Coastal environments refer to areas located on or within a few miles of shorelines. These environments are some of the most popular spaces for

Project owners or general contractors must carefully vet contractors to ensure job site safety and financial security. A critical factor in this

As we navigate a world where ensuring the safety of students and staff is more critical than ever, the landscape of school security is evolving

It is our top priority to keep the workplace safe. However, workplace violence remains a serious safety and health issue.It can occur inside or

Commercial umbrella insurance is a flexible form of coverage that can help supplement several traditional liability policies,including general

In recent news, morale among teachers remains alarmingly low, a situation that can significantly impact the educational environment and student

A new Health Insurance Portability and Accountability Act (HIPAA) privacy rule went into effect on June 25, that prohibits the disclosure of

When 401(k) auto-features like automatic enrollment, automatic deferrals, and automatic escalation first emerged, they seemed like a total

Unexpected injuries can lead to financial stress for many workers. With accident insurance, employers have an opportunity to provide additional

As the new school year approaches, it's crucial to ensure that school facilities are ready to welcome students and staff back safely and efficiently.

Now more than ever, employees are looking to their employers for guidance on navigating their available benefits and how to stretch their dollars

Each year, more than 5,000 workers are killed on the job. Additionally, more than 3.6 million employees are seriously injured each year while at

Profitable underwriting results have generated favorable conditions across the workers’ compensation insurance market for nearly a decade.

In what is being called “the most important cyber accumulation loss event since NotPetya,” the July 19, 2024, global technology outage

The commercial property insurance segment has been characterized by ongoing premium increases for much of the past decade. According to industry

Health savings accounts (HSAs), health flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs) may provide tax-free

The general liability insurance market has faced hardening conditions in recent years, largely due to increasing claim frequency and severity. As

The health and safety of your residents should be your top priority, so it is important that your facility is proactive in ensuring that the proper

In October 2020, the University of Vermont (UVM) Health Network—a six-hospital health care organization that serves over 1 million patients

Researchers at Colorado State University have upped their forecast for this year’s Atlantic hurricane season, now projecting at least 25 named

As inflation continues, the IRS has announced higher health savings account (HSA) contribution limits for 2025. The boosted limits give employees

The U.S. Department of Labor (DOL) recently implemented the first phase of a two-step update to overtime pay regulations under the Fair Labor

When it comes to supporting employees with families, traditional benefit offerings may no longer cut it. As concepts of family expand beyond the

Summer construction projects present unique challenges for schools, requiring diligent planning and risk management to ensure safety and security.

The Commercial Vehicle Safety Alliance (CVSA) recently scheduled this year’s Brake Safety Week for Aug. 25-31, 2024. This annual event aims to

The health savings account (HSA) is a growing trend in health care, but is it right for you? An HSA is a cost-effective option for many individuals

Employers pay a high price for workplace injuries. According to the Occupational Safety and Health Administration (OSHA), workers’ compensation

Taking the initiative to use solar energy for your home will not only help the environment, but it can save you money,

Fireworks are a staple of many Fourth of July and other celebrations, but remember to take precautions to ensure your specialevent is safe and

Anxiety has reached unprecedented levels among U.S. workers, according to new data, now topping the list as the number one mental health issue

Six months into 2024, U.S. employers are immersed in a delicate high-wire act as they finalize compensation budgets and pay raise plans.

June is National Safety Month. This campaign, put together by the National Safety Council (NSC), highlights efforts to prevent injuries and deaths

On average, two workers are killed every month in trench collapses. It is our responsibility to provide a safe workplace, free of recognized hazards

Company drivers are exposed to several risks on the road. In fact, according to a Bureau of Labor Statistics report, transportation incidents are the

Summer school and camp programs offer students unique opportunities for learning and growth during the warmer months. However, ensuring a safe and

Cyber incidents—including data breaches, ransomware attacks and social engineering scams—have become increasingly prevalent, impacting

For companies aiming to elevate productivity, engagement, and loyalty in the workforce, prioritizing support for working parents may be a wise

When it comes to overseeing a fleet of vehicles for school transportation, effective management is key to ensuring safety, efficiency, and

As employers look to reduce spending, many are slashing essential worker benefits like 401(k) plans, health insurance, and tuition assistance.

A key provision in the SECURE 2.0 Act that took effect January 1 could be a game-changer for employers looking to assist workers with student debt

It’s essential to be properly prepared for hurricane season, as these storms carry significant risks to safety and property. To raise awareness of

As the end of the academic year approaches, schools must take proactive measures to ensure the safety and security of their campuses. End-of-year

Six decades after the Equal Pay Act aimed to eliminate gender-based wage discrimination, women in America still earn just 82 cents for every dollar

Cyber incidents—including data breaches, ransomware attacks and social engineering scams—have become increasingly prevalent over the past decade,

The most common environmental and regulatory exposures encountered at agriculture and farming properties include the following:

Since air circulation is often restricted inside, it is speculated that indoor pollutants are far worse for humans than poor outdoor air quality. In

The National Work Zone Awareness Week (NWZAW) will take place April 15-19, 2024, in conjunction with National Occupational Research Agenda’s (NORA)

Bullying and cyberbullying remain prevalent issues in schools, posing significant challenges to student safety and well-being. As educators and

Generation Z is primed to take over as the largest generational group in the workforce. This seismic shift means employers must get creative in how

School field trips are an essential part of the educational experience, offering students valuable opportunities to learn outside the classroom.

On Tuesday, March 26, 2024, a large container ship traveling through the Port of Baltimore in Maryland collided with a concrete column supporting the

Employee mental health has become a workplace topic of increased focus and awareness in recent years. An employee’s mental health includes how they

April is National Distracted Driving Awareness Month. During this time, the National Highway Traffic Safety Administration (NHTSA) runs an

According to the Bureau of Labor Statistics, nearly 500,000 workers are currently employed in the oil and gas extraction industry in the United

As custodians of educational institutions, administrators shoulder the responsibility of maintaining a safe and secure campus environment conducive

A recent report reveals that early cancer detection through screenings can improve survival rates and reduce healthcare costs for employers. However,

Roofs are an essential component of any school building, providing protection from the elements and ensuring a safe and comfortable learning

Pet insurance has been a trendy benefit offering in recent years, with around a third (34%) of employers providing some version of this benefit,

When it comes to tornadoes, it is vital to plan ahead. During peak tornado season (March – May), storms that produce tornadoes can develop quickly,

As increasing numbers of women enter the construction trades, concerns about their health and safety are growing. In addition to the primary safety

Going boating can be a wonderful way to explore the open waters and stay cool in the summer heat. However, boating can carry significant safety

As the COVID-19 pandemic recedes into the rearview mirror, employers are shifting their focus to new challenges in the benefits space. With medical

Strategies, when implemented effectively, can contribute to a safer and more reliable healthcare environment for patients and healthcare

As OSHA’s National Emphasis Program (NEP) for Heat enters into its second year, it is important to revisit some key

Parametric insurance sounds a lot like betting on horses. In betting on horse races, there is a set threshold - the finish line - that must be

With the start of 2024 comes a wave of substantial changes to the retirement landscape caused by the rollout of version 2.0 of the Setting Every

A new independent contractor rule from the U.S. Department of Labor (DOL) could spark an increase in misclassification lawsuits and make businesses

As spring ushers in warmer weather, it also brings the potential for severe weather events that can impact school communities. Understanding and

Housekeeping in the workplace? Yes, but it is much more than just sweeping up or taking out the trash at the end of the day. Housekeeping includes a

Employee benefits are the cornerstone of a thriving organization. Perks and benefits are pivotal in enhancing job satisfaction,attraction and

Historically, the construction industry has largely been a male-dominated field. In fact, according to the U.S. Bureau of Labor Statistics, women

When nonprofit health insurer Blue Shield of California announced significant changes to how it conducts pharmacy benefit management (PBM) for its

Employers are facing immense healthcare cost pressures going into 2024. According to industry experts, medical benefit expenses are predicted to rise

A new survey reveals that the costs of covering increasingly popular obesity drugs like Ozempic and Wegovy are quickly mounting for employers. But

Ensuring the safety of school bus drivers is paramount, given the vital role they play in transporting students to and from school each day. While

Cyber incidents—including data breaches, ransomware attacks and social engineering scams—have become increasingly prevalent, impacting

In 2023, 38 million people across the U.S. provided unpaid care for their loved ones, according to AARP. Another study from Harvard Business School

One of the biggest components of workers’ compensation is an effective return-to-work (RTW) program. Eliminating injuries and illnesses is

When properties are left idle or vacant, the risk of fire-related incidents increases. Therefore, implementing a comprehensive fire prevention

When properties are left idle or vacant, the risk of fire-related incidents increases. Therefore, implementing a comprehensive fire prevention

Ensuring the safety of students during their school commute is a collective effort involving school bus drivers, motorists, and the entire community.

Protecting your K-12 community from potential threats – active shooters, severe weather, health outbreaks, and more – is always a top priority.

We want to do all we can to prevent our students, parents and community from falls that might result in injury. Most falls (67%) happen on a level

As we usher in the New Year, it's the perfect time for a fresh start. Begin the New Year on the right foot with a thorough review of your insurance

Unsurprisingly, the IRS has announced an increase in the health flexible spending account (FSA) contribution limit for 2024 to $3,200, according to

In the last few years, employers across the nation have seen a dramatic shift in how their workers approach sick leave. Employees today are taking

More than one in five U.S. adults suffer from mental illness each year, according to the National Alliance on Mental Illness. An estimated four

Commercial property insurance plays a critical role in protecting the assets of a business. In the event of a loss, this coverage can help businesses

Losing control of a car is undoubtedly one of the most frightening experiences behind the wheel. Unfortunately, it is a potential side effect when

Keeping outdoor walking surfaces—such as parking lots and sidewalks—clear of ice in the winter is a crucial practice at many workplaces. Not only

As winter approaches, it’s time to think about safely storing your recreational vehicle—or any other vehicle that won’t be in use—to avoid

As winter approaches, it is crucial for small businesses to prepare for the challenges the season’s weather brings. Whether it’s potential

Small-scale farmers encounter distinct hurdles when seeking and managing insurance, stemming from their limited resources and unique operational

Estate planning benefits are gaining momentum as employers add these services to help employees with their financial affairs. With COVID-19

U.S. employers should brace for a 7% hike in healthcare costs next year, fueled largely by chronic conditions, costly prescriptions, and catastrophic

Now that federal student loan payments have restarted after a nearly three-year pause, HR teams can play a key role in supporting employees through

Businesses of all sizes and sectors may be subject to unlawful data processing claims. According to the International Association of Privacy

OSHA recently revealed its top 10 most frequently cited standards in the 2023 fiscal year using preliminary data. This information is valuable for

Amid ongoing inflation pressures, employees and employers alike can expect their healthcare costs to increase in 2024. Global professional services

Tornadoes occur with the greatest frequency during late spring and early summer months between the hours of 4 p.m. and 8 p.m. According to the

The Patient Protection and Affordable Care Act (PPACA), commonly known as Obamacare, levies hefty penalties on employers who do not comply with key

This year’s open enrollment period presents some unique challenges for employers looking to effectively communicate benefits options to employees.

The opioid epidemic continues to ravage communities across America, taking over 41 lives per day and costing billions in lost productivity and

When employees require surgery, the costs to employers can be immense—not only the direct medical bills but also lost productivity from time off

In 2021 alone, there were 34 school shootings, 24 of which occurred after August 1. A shooting on November 30, in which a student killed four people

New research from digital media company Arizent revealed employee benefits leaders’ biggest challenges and strategies for increasing benefits

With the enormous amount of sensitive information stored digitally, companies need to take the proper measures to ensure this data is never

When making a property insurance purchase decision, the most critical factor is the balance between insured risk and risk retention. Risk retention

Inflation—both social and economic—drove personal and commercial auto liability claim costs an estimated $95 billion to $106 billion higher than

Secondary perils, such as severe convective storms, floods, wildfires and hailstorms, have significantly impacted the commercial property market. In

At some point, all software will reach the end of its life. This means manufacturers will no longer develop or service the product, discontinuing all

A recent survey found that 81% of employees want more information about company-sponsored benefits throughout the year, yet 47% don’t know enough

With the enormous amount of sensitive information stored digitally, companies need to take the proper measures to ensure this data is never

During a merger or acquisition, insurance policies and finances need to be scrutinized and the future of employees addressed. Cybersecurity is often

October 15-21 is National Teen Driver Safety Week. During this week, the U.S. Department of Transportation’s National Highway Traffic Safety

In its Health Coverage in the United States: 2022 report, the U.S. Census Bureau revealed that employer-based insurance was the most common type of

Timely and effective claim reporting is crucial in managing incidents and ensuring a smooth claims process. Whether it's property damage, bodily

In the wake of COVID-19, U.S. life expectancy has dropped to 76.4 years, the lowest in two decades. But employers can help add a dozen healthy years

A recent survey found that 81% of employees want more information about company-sponsored benefits throughout the year, yet 47% don’t know enough

Truck rollover crashes pose a significant danger to professional drivers, accounting for 50 percent of large truck occupant fatalities according to

A recent surge in on-demand pay benefits offers employers a powerful tool to reduce employee financial stress. With workers increasingly squeezed by

October is National Cybersecurity Awareness Month. During this annual event, government and cybersecurity leaders and the insurance community come

Only eligible individuals can establish HSAs and make contributions (or have them made on their behalf). An individual’s eligibility for HSA

The most impactful way for construction companies to drive down and increase control over major expenses, and find a solution to positively impact

Catastrophic or “CAT” deductibles are the deductible amounts you pay in event of a loss caused by a catastrophic event, which can include

Recent events serve as a stark reminder that devastating incidents can occur not only through shootings but also with seemingly ordinary items like

Working on existing wells to restore or increase oil and gas production is an important part of today’s petroleum industry, yet these operations

The insurance healthcare landscape is constantly evolving, with new medical treatments, technologies, and policy requirements emerging regularly.

You’re good at your job and you love what you do. However, every time you come to work, you risk suffering an injury. The construction industry is

Caring for patients in their homes can offer many benefits; yet, such care also presents safety risks. In particular, the unique nature of home care

The insurance healthcare landscape is constantly evolving, with new medical treatments, technologies, and policy requirements emerging regularly.

Even though most uses of asbestos have been banned, it can still be found in a variety of products, such as building materials and vehicle brakes.

Recent alarming news headlines emphasize the vulnerability of educational institutions to potentially deadly weapon-related attacks.

The 2023 Personal Lines Market Survey, which gathered nearly 950 responses, was launched to gather insight into how auto insurance consumers—like

According to IBM’s annual Data Breach report, the average cost of a data breach reached an all-time global high of $4.45 million, up 2.3% from 2022

The construction industry consists of companies that construct, maintain and repair buildings and other structures (e.g., roads, bridges and utility

Tripping refers to the process of removing and/or replacing pipe from the well when it is necessary to change the bit or other piece of the drill

On July 17, 2023, OSHA announced a final rule that will require certain employers in designated high-hazard industries to electronically submit

U.S. employers estimate a median 7% increase in healthcare costs for 2024, according to a recent survey of employers by the International Foundation

Artificial intelligence (AI) technology has surged in popularity and usage among businesses and individuals. Many users have found ways to streamline

Molds are organisms that breakdown animal matter and dead plants. Though most molds grow outdoors, they can travel inside by way of open windows and

Amputation injuries frequently occur when workers operate unguarded or inadequately safeguarded machinery, but they can also occur if a worker is

The Jewelers Security Alliance (JSA) says crimes against U.S. jewelers last year hit their highest number the trade association has ever recorded,

The Occupational Safety and Health Administration (OSHA) is devoting more attention to scrutinizing employers' in-house medical programs for general

A series of high-profile bills recently cleared a key Senate committee which could substantially impact employers' obligations regarding unions, pay

The June 27 deadline has passed, and employers should now have updated workplace posters reflecting the expanded rights of employees under certain

Cyber security threats and trends can change year over year as technology continues to advance at alarming speeds. As such, it’s critical for

When employees leave a company, there is a heightened risk of data theft, which is also known as data leakage or exfiltration. This risk is present

Employees are an organization’s first line of defense against cybercriminals. For this reason, they are also commonly targeted. In fact, the vast

The passage of the Providing Urgent Maternal Protections for Nursing Mothers Act (PUMP) represents a major step forward for breastfeeding moms in the

Medical professional liability (MPL) insurance—also known as medical malpractice insurance—provides essential coverage for health care

Paid time off policies have come a long way from their inception, transitioning from set vacation days to paid personal days and floating holidays.

Workers’ compensation coverage plays a major role in connecting injured employees to the care they need to return to work as quickly and safely as

To get ready for open enrollment, employers who sponsor group health plans should be aware of the legal changes affecting the design and

Many remote professionals seek public spaces with Wi-Fi for a change in scenery during the work day. This can reduce feelings of claustrophobia,

Many employees continue to feel financially strained because of inflation. With open enrollment fast approaching, inflation could impact the choices

The number of older Americans is steadily increasing. According to the U.S. Census Bureau, in 2019, the population of people aged 65 and older

Cyberattacks are on the rise in the construction industry. These attacks can shut down business operations, cause reputational damage and result in

Oil drilling is an intricate process that involves lots of strength and skill. With so many moving parts and hands on deck, you not only need to

To get ready for open enrollment, employers who sponsor group health plans should be aware of the legal changes affecting the design and

The labor landscape was undoubtedly a roller coaster in the first half of 2023, and employers are still along for the ride. During the past year, the

Communication in the workplace is key. When it comes to employee benefits, proper communication helps employees recognize the true value of their

In the aftermath of a global pandemic, employers face a new array of employee needs, particularly regarding mental health. Four strategies are

The modern business landscape is shifting, propelled by fundamental transformations in employee benefits, according to the 2023 Society for Human

We let the data tell us how we can drive efficiency and improve the client experience. We then use those insights to implement new tools and

How many claims are possible when an employee transfers a patient or resident? The answer is two: both professional liability and workers’

Today’s society has grown increasingly digital in nature, with many individuals leveraging smart devices within their daily lives. Although this

You are a contractor working on a job site on an ordinary day. Suddenly, without warning, there is an accident and spillage of chemicals. It heads

The 2023 labor market continues to tighten, creating challenges and opportunities for employers. Compensation is a key aspect of these dynamics.

Workplace flexibility in the modern business landscape has evolved beyond mere hybrid schedules. A significant paradigm shift is occurring, with

Even as the dust of the pandemic begins to settle, employers face an urgent challenge: enhancing employee wellness amid fears of recession and

June is National Safety Month. This month highlights efforts that can prevent injuries and death inside and outside the workplace, helps provide

The burden of paying for healthcare benefits has grown substantially for many employers. As the average expense for employee healthcare is projected

At INSURICA, we recognize the significant concern that managing chemical-related risks poses for environmental businesses. To ensure a safer work

Even as the dust of the pandemic begins to settle, employers face an urgent challenge: enhancing employee wellness amid fears of recession and

Are you seeking an extraordinary career in the insurance industry? Look no further than INSURICA, the trailblazing independent insurance agency that

High inflation continues to shape the economic narrative of the nation. Now the Internal Revenue Service (IRS) has responded by unveiling significant

The healthcare industry plays a vital role in the U.S. economy, providing medical services and coordinating care for patients. It is an industry that

Solar energy is a relatively new technology, so standards for disposal of solar panels and photovoltaic (PV) modules are still uncharted waters.

As the retirement crisis looms, experts are exploring innovative solutions to ensure a secure financial future for America's workforce. One such

Encouraging remote work has become a new normal for a variety of reasons. Whether it is to reduce costs of operating a physical place of business,

The construction industry is facing a labor shortage and struggling to find workers to meet the growing demands of the industry. With the expected

After a hectic work week, Jim Marshall was looking forward to a relaxing weekend with his wife and kids. He was just a few blocks from home when his

Recent data reveals a troubling trend: employee satisfaction with workplace benefits has reached its lowest point in a decade, falling to 61 percent

The burden of paying for healthcare benefits has grown substantially for many employers. As the average expense for employee healthcare is projected

In 2020, the U.S. Congress passed the Families First Coronavirus Response Act in response to the COVID-19 pandemic. This act required states to

In 2020, the U.S. Congress passed the Families First Coronavirus Response Act in response to the COVID-19 pandemic. This act required states to

The number of fires stemming from the lithium-ion batteries commonly found in electronic bikes (e-bikes) is rapidly rising, according to the National

It is essential to be properly prepared for hurricane season, as these storms carry significant risks to safety and property. To raise awareness of

The cannabis industry continues to grow rapidly. Just two years ago, the global market was valued at nearly $18 billion dollars. Expected to expand

Each May, the Ready Campaign—launched in 2003 by the Federal Emergency Management Agency—promotes National Wildfire Awareness Month. The goal of

On March 20, President Joe Biden vetoed the US Senate’s vote to overturn the Environmental, Social, and Governance (ESG) rule, which allows

Employers across various industries face unprecedented challenges as they deal with the surge in employee absences caused by the simultaneous spread

President Joe Biden recently proposed a $325 billion federal paid family and medical leave program as part of his $6.8 trillion budget plan for the

The COVID-19 pandemic has had far-reaching effects on the world of work, including a rapid shift in employee benefits needs and preferences.

Insurance buyers face the hardest property insurance market in a generation, with historic inflation and skyrocketing natural disaster losses causing

Artificial intelligence (AI) and data science are having a transformative impact on workplace safety. By utilizing cutting-edge technology, companies

In today’s world, where almost everything is online, password security has become more critical than ever before. With cyber attacks and identity

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of

2023 promises to bring sweeping changes for employers and the employee experience. A host of new labor laws, rules, and regulations are set to come

2023 promises to bring sweeping changes for employers and the employee experience. A host of new labor laws, rules, and regulations are set to come

The Department of Labor's (DOL) new rule on "Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights," which allows for

Under the Americans with Disabilities Act (ADA), employers must provide reasonable accommodations for employees with disabilities to enable them to

Hailstorms can be swift and destructive, damaging buildings, outdoor equipment and vehicles in a matter of minutes. For commercial property owners,

When it operates correctly, your commercial property’s sprinkler system can play a vital role in suppressing a fire. According toa recent report

In the event of a catastrophic commercial property loss, the process of getting your business back up and running can be overwhelming. Although

The Stowers Doctrine holds that a liability insurer that undertakes the defense of an insured has a duty to act in good faith in settling a liability

The market for commercial property insurance continues to be challenging. Here are several factors contributing to premium increases for commercial

As the one-year anniversary of OSHA launching its National Emphasis Program for Heat approaches, it is important to revisit some key

When purchasing any product or service, it makes perfect sense to associate a better RATE with a better

On November 22, 2022, the U.S. Department of Labor (DOL) introduced new regulations that allow retirement plans to factor in environmental, social,

As businesses across the country struggle to adjust their budgets during an uncertain economic climate, ensuring employee well-being has become

Many companies have implemented rewards programs to retain employees and keep them engaged, motivated, and committed. The idea is that employees will

When floodwater from a severe, week-long storm started pouring through the walls of Becky Bentley's house, she knew she had to get out fast. In the

Distracted driving occurs whenever you engage in an activity behind the wheel that takes your attention away from the road. Such activities can

The labor market was a roller coaster in 2022, and it’s a safe bet that employers will still be challenged as they compete for top talent in 2023.

It’s critical for safety to be at the forefront of any organization, regardless of size or industry. By upholding a safe work environment,

According to the Centers for Disease Control and Prevention, heart disease is the leading cause of death for men and women in the United States.

At the end of December 2022, the SECURE Act 2.0 cleared both houses of Congress as part of an omnibus end of year appropriation. The Act is a package

With retirement just around the corner for many, employees are increasingly concerned about their retirement savings for several reasons, including

As HR teams re-evaluate their offerings in the coming year, they are focused on providing the best employee benefits in the most efficient ways. To

Over the last few years, almost every aspect of the workplace has changed, leading to many unforeseen challenges. Unfortunately, many of the

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall, but also within

Owners and managers of commercial property have an obligation to maintain safe conditions for employees and occupants. During the winter season,

The OSHA standard for blood-borne pathogens requires that any employee exposed to blood, or other potentially infectious materials (OPIM), follow

The winter months are notorious for bringing sickness. Flu season begins in October and ramps up into January. Colds are also more common during the

According to the International Risk Management Institute (IRMI), Action Over is a legal action involving an injured employee, when after collecting

Replacement or reconstruction cost is a type of insurance that covers the cost to replace or repair a building with materials of the same or

On October 18, the IRS announced that the annual contribution limit in 2023 for health flexible spending accounts (health FSAs) will be increased to

As inflation continues to impact the economy, many employers are trying to help employees with their finances by developing inflation-resistant

Stressors in the workplace can have a profound impact on mental health. The Deloitte Mental Health 2022 Report revealed that more than 80% of

Burnout is a real issue for many employees today. According to the 2022 Deloitte Mental Health Report, 55% of employees reported experiencing

According to professional services firm Aon, the average cost of healthcare for their own employees will increase by 6.5% next year. This is a

Environmental, social and governance (ESG) factors are often considered by socially conscious investors when evaluating companies on sustainability

You already know that your General Liability policy excludes ‘intangible’ property. That is why you had to buy a cyber liability policy. That

Attractive nuisances are man-made conditions on your property, vacant site or active site after-hours that draw trespassers. If children trespass on

If you are the parent of a teenager who is getting ready to climb behind the steering wheel, insuring them can be an expensive endeavor. This is

If you are the parent of a teenager who is getting ready to climb behind the steering wheel, insuring them can be an expensive endeavor. This is

The home insurance market is currently being challenged by significant market conditions. Companies that respond the best to inflation and challenges

The Occupational Safety and Health Administration (OSHA) stated that most road related fatalities occur on highways where there are seat belt

Properly trained personnel are essential for well control activities. Well control consists of two basic components: an active component of

The RxDC reporting requirement requires employers to submit prescription drug data to the Department of Health and Human Services (HHS), the

Telemedicine saw a surge in popularity during the COVID-19 pandemic, as it allowed for social distancing and reduced the risk of infection spread.

According to the Affordable Care Act (ACA), applicable large employers (ALEs) are obligated to offer full-time employees and dependents affordable

In today's competitive labor market, offering traditional benefits like healthcare is no longer enough to attract and retain top

The traditional enrollment process for employee benefits, which often involved filling out paper forms and waiting for them to be processed, has

Flammable liquids are present in nearly every workplace. Gasoline, diesel fuel, and many common products such as solvents, thinners, cleaners,

Health benefits are a top priority for most employers, but hearing health is often

President Joe Biden signed the Inflation Reduction Act (IRA) into law on August 16, following House and Senate passage. The law's healthcare