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…

As nonprofits face an increasing amount of need by those they serve, they can also look forward to a host of potential pitfalls on the back end. Nonprofits should keep an eye on several trends that could impact operations by boosting their exposure to risk. Potential Property Pitfalls Insurers are…

The MOD score. For employers, it can cause a smile of relief or a look of anguish for those needing to figure out how to get a better score. So, what is a MOD score? Also known as an Experience Modification Rating or MOD rate, the MOD score is a…

During and after the pandemic, everyone with more than a piggy bank and a bicycle was affected. Though the economy is healthy now, the commercial real estate market likely has changed forever due to many people working from home at least part time. For property owners and insurance companies alike,…

Criminals prefer easy targets. Therefore, it stands to reason that industries slow to implement proper cybersecurity measures are among the easiest targets for cybercriminals to infiltrate. Construction has lagged behind other industries in its adaptation of technology solutions and as a result, is a favorite cyberattack target. Two of the…