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Medicare’s Annual Enrollment Period is almost here. From Oct. 15 to Dec. 7, Medicare beneficiaries will have the opportunity to change their health plans and prescription drug coverage for 2027.    While you may be satisfied with your existing coverage, every year brings new changes to Medicare. Evaluating your options annually…

Building a stronger defense: Why construction companies need cyber insurance Between worker injuries, equipment damage, project delays and subcontractor issues, construction companies are used to managing risk. However, one of the industry’s fastest-growing risks doesn’t necessarily happen on the jobsite.  As construction companies increasingly rely on technology to manage projects, communicate…

Pharmacy benefits have rapidly become one of the costliest and least predictable aspects of managing a healthcare budget.   Rising specialty and high-cost drug utilization, opaque pharmacy benefit manager (PBM) contract and rebate structures, and intensifying regulatory and market pressures have created a complex pharmacy landscape. For plan sponsors, navigating this…

For individuals and family offices, insurance is often viewed as a necessary cost that helps protect wealth, assets, and long‑term plans. It is natural, then, for principals and executives to ask a reasonable question: why do premiums remain high in years when claims are minimal or nonexistent?  The answer lies not only…

A Market Moving in Two Directions  Insurance conditions for real estate developers are no longer moving in lockstep. Instead, many developers are encountering a two‑speed market. Property insurance is showing signs of moderation for well‑managed commercial assets, while general liability, umbrella and professional liability continue to tighten.  For commercial real estate developers, this divergence matters. Programs…

Many employers spend a lot of time focusing on healthcare costs, pharmacy benefits, and retirement plans while not putting as much strategic thought into their paid leave programs. Yet changing employee expectations and evolving legislation are turning paid leave into an increasingly important part of a competitive benefits strategy.  Roughly half of U.S. workers who quit a job in 2021 cited childcare issues, a…

OSHA Safe + Sound Week, taking place from August 10-16, is an opportunity for organizations to evaluate their safety and health programs, recognize employee contributions and reinforce the practices that help create safer workplaces. Why Safe + Sound Week Matters An effective safety and health program does more than support…

Teaching the Next Generation How to Protect What They Inherit Family offices often invest significant time preparing heirs to grow and steward wealth. Education commonly centers on investing, governance, and legacy planning. A critical gap, however, is frequently overlooked. Many next‑generation family members inherit complex personal risk exposure long before they understand how to manage it. …

Cyber risk is not standing still and neither are the tactics behind it. Recent Oswald and URA cyber content points to a threat environment shaped less by flashy malware and more by deception, impersonation and pressure applied through everyday business workflows. For law firms, that shift matters because operational disruption is only…

Protecting your personal information is critical to preventing identity theft. That may sound simple in theory, but the reality is that safeguarding your personal data in an ever-evolving digital landscape is rather complex.   The rise of artificial intelligence (AI) has created a sophisticated cyber threat landscape. Deepfake technology and social engineering tactics allow cybercriminals to launch personalized attacks that look and feel credible. Determining whether a message is legitimate or a scam has become…