If you use a gas grill, heat your home or spend time in an industrial facility, chances are you have used propane. It’s a well-established gas for many uses, but it can be dangerous. Below are some rules to practice safety in the household and the workplace by following regulations…
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When it comes to estate planning and protecting a family’s financial future, trust-owned life insurance (TOLI) can be a powerful tool. TOLI combines the benefits of life insurance coverage with the advantages of a trust, creating a comprehensive strategy that ensures a legacy is preserved while maximizing tax efficiency. What…
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When it comes to building a diversified investment portfolio, many individuals overlook an often-underappreciated asset class: cash value life insurance. Life insurance provides essential financial protection for families and businesses. It can also serve as a valuable asset that offers potential growth and tax advantages. Life Insurance as a Diversified…
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In today’s highly competitive housing market, you may be excited when you think you’ve found the perfect home: a condominium in your price range with a great location and the promise of no lawn maintenance. Before you finalize your purchase, carefully review the association bylaws and the association’s master insurance…
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What does winter weather mean to you? -Fluffy piles of snow? -Ice storm followed by rain? -Prolonged sub-freezing temperatures? -Strong winds? -Snow, after snow, after more snow for weeks at a time? -Power outages due to ice, wind or snow? There are no wrong answers here. Depending on the type…
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With 2025 kicking off, people have reached out asking what this year has in store for the health insurance market. Tough question, with a lot of nuances. As the M&A market (hopefully) substantially improves, deal teams want to know how to forecast trend into quality of earnings and purchase price…
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Ransomware has been a common term for cyberattacks for years, but privacy liability claims are on the rise and should be a concern for your organization. For years, ransomware was the parting gift after a system compromise, but litigation is the unwanted gift that keeps giving. The volume of litigation…
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Following the fatal shooting of UnitedHealthcare’s CEO on Dec. 4, organizations of all sizes have begun asking more questions about security and protection. Many are familiar with insurance products such as Directors & Officers or Executive Liability, which protect executives from potential lawsuits. But, what about protecting high-profile executives from…
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Workplace violence is becoming more prevalent in American society. While it is commonly referred to as an active shooter incident, workplace violence ranges from verbal abuse to physical assault. According to the FBI’s 2023 report on active shooter incidents, there were 229 active shooter incidents between 2019-2023, up 89% from…
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It is a situation that is not uncommon for design professionals: A client calls up with a new opportunity and requests initial conceptual plans, or a call is received providing notice that a proposal was accepted and services should begin immediately. Excited about the new job prospect and not wanting…
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