Climate change, extreme weather and cyberattacks, among other global trends, remain the primary factors driving inflation in premiums for specialties such as commercial property, commercial auto and cyber, according to the Unison Risk Advisors 2023 Fall Commercial State of the Market report. For broad-based insight behind what’s affecting risk and…
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The mission of many human service organizations is to provide meaningful programs and services in their community to children and their families in a safe, supportive setting. One of the most important aspects of these services is to protect the most vulnerable population that they serve. Sadly, child sexual abuse…
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In today’s competitive business landscape, retaining talented employees is crucial for maintaining stability and growth. High turnover and absenteeism rates can hinder productivity and morale within an organization. The key to addressing these challenges lies in enhancing employee engagement. Engaged employees are not only more productive and committed, but also…
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The news has been full of cyberattacks recently – and they’re not just targeting small companies. MGM Resorts faced a large cyberattack that had caused the company to lose an estimated 10-20% of revenue per day the company’s systems were down across the country. Competitor Caesars Entertainment faced a similar…
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Does your company need a risk management vehicle that not only protects your company, but also provides financial flexibility and return-on-investment? Oh, and did we mention that you would also be the owner of this valuable risk management option? Captive insurance programs are an attractive alternative to high premiums and…
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In recent years, the life insurance industry has witnessed a significant shift toward accelerated underwriting approaches. Here are the key features, advantages and considerations associated with this innovative approach. Understanding Accelerated Underwriting Accelerated underwriting is a streamlined process that uses advanced technology and data analytics to expedite the life insurance…
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In the fast-paced and ever-evolving world of human resources, effective employee benefits communication has become crucial in attracting and retaining top talent. As organizations adapt to new technologies and changing workforce demographics, the way they communicate their benefits packages must also transform. However, even the most thoughtfully developed benefits strategies…
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It’s crazy to think that we are headed down the road (like that pun?) of having completely autonomous vehicles drive us around from one place to another. In the coming decade, our roads will be flooded with self-driving cars. Our time in the car can finally be productive – we…
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As people age, the likelihood of needing assistance with daily activities such as walking, eating and bathing increases. Long-term care insurance is a financial planning tool that provides coverage for these services, offering financial support and ensuring peace of mind during a potentially challenging phase of life. Long-Term Care Strain…
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Grandma might have had the answer all along. You’ve probably heard the old adage “the straw stirs the drink.” For most health insurance plans, the proverbial straw is a handful of claimants who are responsible for 70-80% of all claim costs. A significant portion of those claims are the result…
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