In today’s highly competitive housing market, you may be excited when you think you’ve found the perfect home: a condominium in your price range with a great location and the promise of no lawn maintenance. Before you finalize your purchase, carefully review the association bylaws and the association’s master insurance…

What does winter weather mean to you? -Fluffy piles of snow? -Ice storm followed by rain? -Prolonged sub-freezing temperatures? -Strong winds? -Snow, after snow, after more snow for weeks at a time? -Power outages due to ice, wind or snow? There are no wrong answers here. Depending on the type…

With 2025 kicking off, people have reached out asking what this year has in store for the health insurance market. Tough question, with a lot of nuances. As the M&A market (hopefully) substantially improves, deal teams want to know how to forecast trend into quality of earnings and purchase price…

Ransomware has been a common term for cyberattacks for years, but privacy liability claims are on the rise and should be a concern for your organization. For years, ransomware was the parting gift after a system compromise, but litigation is the unwanted gift that keeps giving. The volume of litigation…

Since 1996, the federal government has been protecting patient information through the Health Insurance Portability and Accountability Act, better known as HIPAA. Those regulations were updated in Spring 2024, and all businesses with at least 50 employees are required to update their policies by Dec. 23, 2024. Implementing an initial…

Following the fatal shooting of UnitedHealthcare’s CEO on Dec. 4, organizations of all sizes have begun asking more questions about security and protection. Many are familiar with insurance products such as Directors & Officers or Executive Liability, which protect executives from potential lawsuits. But, what about protecting high-profile executives from…

An FSA is an employer-sponsored benefit that allows employees to contribute a portion of their paycheck into a special account that can be used for qualifying medical expenses. The contributions are made on a pre-tax basis, reducing your taxable income and, therefore, lowering your overall tax liability. For 2024, the…

Workplace violence is becoming more prevalent in American society. While it is commonly referred to as an active shooter incident, workplace violence ranges from verbal abuse to physical assault. According to the FBI’s 2023 report on active shooter incidents, there were 229 active shooter incidents between 2019-2023, up 89% from…

It is a situation that is not uncommon for design professionals: A client calls up with a new opportunity and requests initial conceptual plans, or a call is received providing notice that a proposal was accepted and services should begin immediately. Excited about the new job prospect and not wanting…

Planning Ahead is Key for Senior Living Facilities The common advice many give when faced with an active shooter situation is to Run, Hide, Fight. But what if the event happens in a place where the population doesn’t have those options? Such an incident happened recently in New London, Ohio.…