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No matter the product produced or the service provided, most business owners share the same greatest asset and largest investment—their employees. Attracting and retaining human capital is the desired result of considerable time and money spent on hiring, training, operating payroll and providing benefits. In addition to the many unforeseeable…

People of all generations are embracing social media: we want to interact with others, to know what they are doing and talking about. Today, dozens of social platforms and messenger applications promise us the ability to do this instantly. Research shows that people today spend up to two hours each…

As open enrollment time approaches each year, companies have to look at every aspect of their benefits package in order to manage rising costs while still offering their employees attractive options. One part of the package that’s getting more and more attention is pharmacy costs and the role of the…

The best way to have a low Experience Modification Rating (MOD) score is to avoid workers’ compensation claims altogether, but when they inevitably happen, you don’t have to wait three years for the incident to drop off the radar. There are ways to manage risk now. Start by gaining an…

Don’t get caught driving without it. Uninsured motorists and underinsured motorists coverage, commonly referred to as “UM/UIM” coverage, provides you with bodily injury protection in an auto accident caused by another party who has low or no limits of liability. If you sustain bodily injury in an accident, and the…

When selling a house, most of us don’t invite buyers over with dirty laundry on the floor and a sink full of dirty dishes. We know that showing a house at its worst can make it more difficult to sell and probably cost us money in the long run. However,…

March 2025 With 10 years of experience in the insurance and healthcare industry, I’ve had the privilege of working alongside some of the brightest minds in the field.  Over the years, I’ve met with over 500 different organizations and personally consulted with more than 100 companies, ranging in size from…

Imagine the perfect spring day: It’s 70 degrees, the sun is shining, birds are chirping, and the wind is whipping through your hair as you test drive your new electric bike! The last thought on your mind is that this perfect day could turn into a tragic event. But what…

Despite the odds of something going amiss, many of us enter into business relationships much as we enter our personal ones—full of optimism and blinded by a shared affinity. We’re partners for life, so what could possibly divide us? At this point, it’s hard to imagine a day when such…

Historically, worker health and worker safety have been addressed from two separate silos. Safety is normally handled by a finance and safety team focused on occupational safety, lowering instances of injury, and workers’ compensation cost reductions. On the other side, health and wellness programs are typically handled by an HR…