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Across industry lines, cyberattacks have surged in frequency and sophistication, resulting in a rise in cyber losses. In these market conditions, we predict that most policyholders will experience higher cyber liability insurance rates in 2021. Insureds may also encounter coverage res

When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and spending. The key to spending fewer dollars is more than just stopping a few accidents; it is having a sound safety program de

Workers’ compensation costs can make or break your bottom line. But control over these costs is more attainable than you may think if you understand your experience modification factor and its effect on your insurance premium. An experience modification factor—also known as a mod fact

  Having proper workers’ compensation coverage is more than just a cost of doing business. When considered as part of a comprehensive workplace safety program, it is a strategic investment in a business’ most important asset – its employees. Here are three reasons why it is impor

When meeting with a current or prospective vendor to discuss business continuity planning, it’s often difficult to understand how the vendor’s continuity plan aligns with your own plan and needs. However, asking the right questions can help. Questions to Ask Yourself Ask yourself thes

Have you ever wondered why so many small businesses fail within the first 5 years of operation while others succeed? Obviously, all these businesses started with one clear goal in mind – to make money. Some may say that they fail because of poor leadership which is true. Others may sa

The demand for home health care businesses is growing, especially as baby boomers become part of the elderly population. A lot of people, regardless of age, prefer having in-home care if they’re required to receive ongoing care versus going to a nursing home. Unfortunately, taking car

2020 has been a challenging year for small businesses. During these times of uncertainty, small businesses are looking for ways to help them save money and reduce their costs and cover losses. Having these conversations with your agent or broker can make your workers’ comp policy less

The coronavirus (COVID-19) pandemic has created massive change and concern for employers and employees across the world. Even as businesses reopen and employees return to their new normal, the risk of becoming exposed to and ill with COVID-19 is still present. When an employee reports