There has been a significant shift in underwriting cyber liability insurance in the past three years, mostly driven by substantial claims. As the cyber liability market begins to stabilize from a pricing standpoint, the scrutiny on cybersecurity controls hasn’t lessened. Underwriting standards continue to increase and evolve along with the…

It’s More Than Just Numbers on a Sheet The clock starts the day your health plan renews, and how you use your claims data throughout the year can have a (positive or negative) financial impact on your next renewal. Data is only as valuable as what you do with it.…

Watch as Gene Pompili, vice president, risk leader, employee benefits at Oswald Companies, speaks with David Wright, CFO of University Schools, about joining the Independent School Benefits Consortium™ and what that has meant for him and University Schools.  

Nearly all (99.9%) of American companies are small businesses, according to a study by the U.S. Chamber of Commerce. Yet many of those small-business owners do not have a plan to exit their companies – even as many of them plan to retire in the next decade. This could lead to…

Baseball season has begun, hockey is closing in on playoff season, football is just around the corner — and sports betting is now legal in Ohio. It’s the perfect potion to entice some employees to place a bet using company computers. While it might seem harmless to spend a few…

When a business owner dies, many questions arise and the owner’s death is often followed by some level of panic as those left in charge try to determine the answers. Here are answers to some common questions, as well as options for consideration as you turn the page on the…

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…