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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…

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…

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…

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…

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…

Planning Ahead is Key for Senior Living Facilities The common advice many give when faced with an active shooter situation is to Run, Hide, Fight. But what if the event happens in a place where the population doesn’t have those options? Such an incident happened recently in New London, Ohio.…

Qualified retirement plans, group term life and group disability insurance plans are normally structured to provide the same benefit formula across the board for all covered employees. This results in reverse discrimination against highly paid executives due to benefit and contribution caps. However, there is a way to pay executives…

Initially viewed as a high-priced toy, drones have become a tool for taking aerial photos and video, monitoring crowds, and even spotting wildlife trends. The possibilities are endless for businesses of all kinds, which also means businesses could be held liable for damages caused by a drone. That’s why the…

Unfortunately, resident injuries and even death can happen at care facilities such as nursing homes and assisted living facilities. Take, for example, the case of Lucy Garcia. Lucy was a patient at the Arbors of Oregon, a nursing home in the Toledo, Ohio, area. Lucy, 72, died of sepsis after…

Each year, the Occupational Safety and Health Administration (OSHA) releases its top 10 violations. This year’s list looks similar to years past, but some hazards gained a more prominent ranking.   Fall Protection – With 6,307 violations in fiscal year 2024, fall protection maintained its top ranking, but the number…