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With the hard insurance market continuing what may soon be a historical run, property owners across asset classes are clamoring to gain clarity and control of their terms and premiums. This hard market has many contributing factors, including rising replacement costs, capacity going down as losses pile up, and supply…

We’re all familiar with Valentine’s Day – the day for love. It’s also a day for giving gifts such as candy, flowers and thoughtful cards. Don’t forget expensive jewelry! Now it’s time to get practical. If you have purchased or been the recipient of a splendid gift, make sure you…

If your company tracks users of its website, there’s a chance you could be sharing client information illegally through a little-known tracking code called Meta Pixel. Meta Pixel is a snippet of JavaScript code that can be used by website owners for tracking user activity. This information is sent to…

The holidays are a joyous time of year and present an opportunity to enjoy a well-earned getaway. Unfortunately, for thousands of travelers across the nation this past year, the only destination was a crowded airport. Extreme weather leading up to Christmas day, coupled with multiple problems at Southwest Airlines, one…

This past year brought potential changes to Michigan employment law that will significantly level the playing field for minimum wage and sick leave benefits – and most employers will likely need to make policy changes to comply. Though legal challenges to these new laws continue, they are currently expected to…

Earlier this year, the Michigan Court of Claims entered an Order finding that the Michigan Legislature’s “adopt and amend” strategy used in 2018 to prevent the Earned Sick Time Act and the Improved Workforce Opportunity Act was illegal. As a result, those two statutes will come into effect on Feb.…

Every private equity investor and common owner of a portfolio of businesses asks the same question: How can I lower my costs? The answer: Employees. Your employee population is a valuable resource in saving money. You’re already providing benefits to this group, so consider combining them into one health insurance…

Every year, employers stress over the cost of health insurance for employees, but there are some tricks to controlling costs. You have to know what’s driving costs up in the first place – and then figure out how to reign them in. Maybe your company hasn’t shopped around enough for…

When it comes to food, most people have a rather hearty appetite. A four-course dinner at a trendy new restaurant or a burger and a beer at a beloved corner bar? Bring it on! But when it comes to business-essential topics like insurance and the associated commercial risks that make…

Like taxes and Michigan road construction, your employee benefits renewal is inevitable and may often be unaddressed until what feels like the last minute. This is rarely going to lead to the best possible outcome (just like all those annoying asphalt road patches aren’t the best response to the jarring…