You need at least one good bonding relationship, and that relationship should be with your surety broker. A good surety broker can effectively guide you through what could otherwise be an unwieldy and confusing process. For companies where bonding is critical, you may also want your broker to help you…

Without the right surety broker, you are rolling the bonding dice. Worse yet, some people don’t know they are essentially gambling when it comes to their company’s surety bond needs. Surety bonds are a very specialized non-insurance credit product and a relatively small niche segment of the entire insurance industry.…

ESG (Environmental, Social & Governance) is a term that is used in many different arenas with increasing frequency. There are as many definitions and applications as there are players in the ESG movement. So, what does ESG mean? Though ESG can mean something different to every organization, one thing is…

If your company tracks users of its website, there’s a chance you could be sharing client information illegally through a little-known tracking code called Meta Pixel. Meta Pixel is a snippet of JavaScript code that can be used by website owners for tracking user activity. This information is sent to…

Whether an individual is sitting on the board of a local nonprofit entity, a mid-sized private firm or a large Fortune 500 company, Directors and Officers Liability insurance (D&O) is an important consideration for both individual executives and the company. At its most basic level, D&O coverage is intended to…

The holidays are a joyous time of year and present an opportunity to enjoy a well-earned getaway. Unfortunately, for thousands of travelers across the nation this past year, the only destination was a crowded airport. Extreme weather leading up to Christmas day, coupled with multiple problems at Southwest Airlines, one…

This past year brought potential changes to Michigan employment law that will significantly level the playing field for minimum wage and sick leave benefits – and most employers will likely need to make policy changes to comply. Though legal challenges to these new laws continue, they are currently expected to…

With a limited labor pool, today’s marketplace is pressuring employers to enhance their employee benefits offering in order to attract personnel while retaining current employees. Simultaneously, health care costs continue to increase, so upgrading benefit offerings appears unattainable. It isn’t. Oswald Companies’ William Grebenc, an employee benefits advisor, sees consistent opportunities…

It’s a familiar sound – drip, drip, drip. When a water leak happens, we immediately run to turn off the water valve. Our minds are already racing, wondering how long it has been leaking, how much damage has been done and what it will cost to fix. You’re not alone.…

Each year, open enrollment provides your employees the opportunity to enroll in workplace benefits such as health insurance, dental or vision coverage, and life insurance. For the growing number of employees approaching or working beyond age 65, there is another open enrollment that takes place Oct. 15 through Dec. 7,…