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Escalating conflict involving Iran and recent U.S.–Israel military operations have increased the risk of cyber activity directed at U.S. organizations. Threat intelligence teams and federal agencies have reported a rise in opportunistic attacks attributed to Iran-aligned cyber actors. SecurityWeek and Unit 42 by Palo Alto Networks similarly note that the Middle East conflict has…

When it comes to protecting your business and assets, umbrella insurance is a necessary piece of a comprehensive risk management program, not an optional add-on. Commercial umbrella insurance provides critical excess liability coverage that kicks in when standard policy limits are exhausted. It can extend over general liability, commercial auto…

Spring often brings fast‑changing weather conditions across many parts of the U.S., including thunderstorms, flooding and strong winds. These events can develop with little notice, making seasonal preparation an important step for supporting safety and reducing disruption. Understanding Common Spring Hazards Thunderstorms are among the most frequent spring hazards. National…

The word “health” probably calls to mind nutritious foods and exercise, but a person’s overall well-being is so much more than a balanced diet and regular physical activity. Mental, emotional, and financial factors are deeply connected to physical health. For organizations running an employee benefits program, neglecting even one of these areas can lead to poorer health outcomes and higher costs.   Consider depression, which affects nearly one-fifth of U.S. adults. Though…

We know you strive to provide benefits that protect your employees’ well-being and financial security. One area that often gets overlooked is the potential need for long-term care (LTC). LTC provides non-medical support for people who need help with daily activities, such as bathing, dressing or eating or those who…

For today’s family enterprises, sustaining a legacy requires more than prudent investing or strong governance. Long-term resilience increasingly depends on the ability to innovate sustainably, not only through new ventures or technologies, but by building systems that safeguard the enterprise across generations. In this environment, a sophisticated risk strategy has…

We’re all familiar with Valentine’s Day—the day for love, thoughtfulness, and meaningful gifts. From flowers and chocolates to heartfelt cards and, of course, fine jewelry, these items often carry both emotional and financial value. Now it’s time to get practical. If you’ve recently purchased—or received—a significant gift, it’s important to…

One of the most challenging aspects of running an employee benefits program is finding a balance between quality and cost control. Oftentimes, the two seem to be at odds. However, with the right strategy in place, employers can offer cost-effective solutions without compromising on quality.   The cost of employer-sponsored health benefits continues to escalate, putting greater financial pressure on employers. Annual family…

Earthquakes are among the most unpredictable and destructive natural disasters, often striking without warning and causing significant damage to property, infrastructure and human life. Many people associate earthquakes with the West Coast, but nearly 75% of the United States faces some level of earthquake risk. February is Earthquake Awareness Month, making this an ideal…

Early detection has the power to save lives.   When cancers are caught early, before they spread to other parts of the body, they have a higher likelihood of responding to treatments such as surgery or chemotherapy, research shows. Cancers that are not detected until later stages, on the other hand, are more difficult to treat and have limited…