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The hard market continues as we navigate our way through the first half of 2023. What does this mean for your business? In the short-term, it means continued difficulties in procuring coverages and renewals, as well as expensive premiums when you manage to obtain a policy. Despite these current challenges,…

If you’re insuring any type of property this year, it’s going to be tough, especially if you’re in an area that experiences potentially catastrophic events such as multi-cell windstorms and tornadoes. Trends have emerged among those who have already renewed their property and casualty insurance this year and they show…

Purchasing employee health insurance for the average-sized, independent school can be a challenge. Watch as Kurt Meinberg talks about the Independent School Benefits Consortium™ (ISBC) as a solution.  

We’ve all seen it—that person in the car beside us who’s looking down at a phone, eating a cheeseburger, or even applying makeup. This makes most of us very nervous for good reason. In an age when constant contact is expected, texting, monitoring emails and attending virtual meetings have become…

It’s usually not the end of the world when your surety company says “no,” but certainly this is a position you should try to avoid. However, when a surety does surprise you by denying your bond request, there is a disconnect somewhere between the surety, the broker, the client, or…

You know when you turn on the television or radio and hear the ads for affordable life insurance from different instant-issue life insurance companies? Have you ever looked at the websites of those firms and seen what they offer? Ever wonder if all of it sounds too good to be…

Gone are the days of writing physical checks and handing them off to a known banker for deposit or putting them in the mail for payment to a personal contact. Now, nearly all transactions are completed electronically without conversation between the parties involved. While convenient, this can leave you at…

Putting together a surety program can range from a simple project to a complex undertaking, depending on the variables involved. The key is to identify the specific variables, steps and level of complexity in advance, so the proper approach can be taken from the start. The more complex and potentially difficult…

Most surety deals for privately held companies require the personal guarantee of business owners, similar to bank credit.  When a business gets larger and stronger financially, personal guarantees may be eliminated at some point.  Keep in mind, however, that a surety is also an unsecured creditor, so the surety is…

Cyberattacks are on the rise, with individuals being targeted by digital criminals who threaten to hack into personal information. While we all prefer to think it won’t happen to us, everyone is a potential target. Below are some tips to protect your personal online presence, including social media accounts, use…