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All You Ever Wanted to Know About Insurance

Cyber Liability: Creating a Cybersecurity Culture

Employees are an organization’s first line of defense against cybercriminals. For this reason, they are also commonly targeted. In fact, the vast majority (88%) of data breaches are caused by employee mistakes,...

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Coverage Insights: Duties in the Event of a Commercial Property Loss

Duties in the Event of a Commercial Property Loss - Most people understand that insurance companies have a duty to reimburse insureds for commercial property damage not excluded by their policies. What’s lesser known is...

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Risk Insights: Training for Temporary Workers and Their Worksite Supervisors

Training for Temporary Workers and Their Worksite Supervisors - Any host employer (HE) that utilizes temporary workers (TWs) through a staffing company (SC) may be opening themselves up to safety and health challenges....

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Live Well, Work Well- November 2022

How to Recession-proof Your life - Many Americans and economists think rising inflation issues, interest rates and housing costs may be warning signs of a looming recession. According to a Bankrate poll, nearly 7 in 10...

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Coverage Insights: Builder's Risk Insurance- Understanding What's Covered

Builder's Risk Insurance- Understanding What's Covered - Builders risk insurance is a specialized form of property coverage that can help protect buildings and other structures under construction. Also known as course...

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Risk Insights: General Cybersecurity Best Practices for Modern Vehicles

Modern vehicle technology has transformed in the past several years as autonomous driving, vehicle electrification and car connectivity features have become more common. While these digital innovations in the automotive...

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Cyber Liability: Endpoint Detection and Response Explained

Endpoint detection and response (EDR) is a cybersecurity solution that continuously monitors security-related threat information and endpoint data to detect and respond to ransomware and other kinds of malware. It...

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Live Well, Work Well- October 2022

What to Know About This Year’s Flu Season - Influenza (flu) season lasts from October through May in the United States, with peak flu activity happening between December and March. The country’s flu activity has been...

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Cyber Liability: The Importance of Two-factor Authentication

As cyber attacks become more and more common, protecting your data is increasingly difficult. In fact, a study from Juniper Research found that by 2023, cyber criminals are expected to steal an estimated 33 billion...

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Work Comp Insights: Five Strategies for Reducing Workers’ Compensation Costs

Five Strategies for Reducing Workers’ Compensation Costs - When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and...

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Coverage Insights: General Liability Exposures Every Organization Should Know

General Liability Exposures Every Organization Should Know - Almost every organization faces commercial liability exposures. A commercial liability loss exposure is a condition or situation that presents the possibility...

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Risk Insights: Understanding How Habits Work to Influence Safety

Understanding How Habits Work to Influence Safety - As an employer, safety is your responsibility, and it’s important to identify workplace hazards and instill safe employee habits to ensure corrections remain permanent....

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Live Well, Work Well- September 2022

The Art of Mindful Eating - Taking time to be mindful of your eating process and not focusing on restricting calories could enhance your awareness of the experience, improve your relationship with food and help you lose...

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Risk Insights: Air Quality at Your Property

Air Quality at Your Property - The health of your property’s occupants can be jeopardized by poor air quality, and it is your responsibility to provide a healthy indoor environment, whether it is protecting against...

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Commercial Property Insights: Protecting Property Against Hail

Protecting Property Against Hail - Hailstorms can be swift and destructive, damaging buildings, outdoor equipment and vehicles in a matter of minutes. For commercial property owners, such damage can result in destroyed...

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Cyber Liability: Cyber Hygiene Best Practices

Cyber Hygiene Best Practices - As cyberattacks become more frequent and severe it is increasingly important for organizations to practice good cyber hygiene to minimize their exposure to risk. Cyber hygiene refers to...

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Live Well, Work Well- August 2022

988: America’s First Three-digit Mental Health Crisis Line - The 988 Suicide and Crisis Lifeline (Lifeline) launched nationwide on July 16. Similar to dialing 911 for medical emergencies, people in emotional distress or...

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Cyber Liability: Cyber Security for Small Businesses

Cyber Security for Small Businesses - High-profile cyber attacks on companies such as Target and Sears have raised awareness of the growing threat of cyber crime. Recent surveys conducted by the Small Business Authority,...

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Risk Insights: Fuel Efficiency Best Practices for Fleets

Fuel Efficiency Best Practices for Fleets - Improving the fuel efficiency of a company’s fleet of vehicles can have many financial and environmental benefits, especially with fuel prices on the rise. Fuel can be one of...

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Safety Matters: Avoid Slips and Falls

Avoiding Slips and Falls - A janitorial employee was scrubbing the steps and floors with water and a cleaning agent. An observant worker realized that soon, dozens of employees would be going down these steps for their...

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Live Well, Work Well- July 2022

The Benefits of Seasonal Produce - In today’s supermarket, it’s normal to see the same produce available year-round. However, that doesn’t mean the quality always remains the same. Eating seasonally means you are simply...

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Cyber Liability: Hacktivism Explained

Hacktivism Explained - Hackers exploit virtual vulnerabilities to gain access to networks and devices illegally. While most engage in this activity for financial gain, others, called hacktivists, have different...

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HR Insights: Mental Health and Well-Being on Workplaces

Impact of Employee Mental Health and Well-being on Workplaces - Employee well-being refers to the overall state of employees’ physical, mental, social and financial health, which can often be influenced by various...

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Risk Insights: Managing Road Rage

Managing Road Rage - Road rage-aggressive or angry behavior exhibited by motorists-is prevalent on U.S. roadways. In fact, nearly 80% of drivers expressed significant anger, aggression or road rage behind the wheel at...

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Safety Matters: Do Your Part to Keep Our Workplace Safe

Do Your Part to Keep Our Workplace Safe - Preventing injury and illness on the job is something all employees should take seriously-nothing less than your future is at stake. An on-the-job accident, infection or serious...

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Cyber Liability: Jackware Cyberattacks Explained

Jackware Cyberattacks Explained - Ransomware incidents entail cybercriminals compromising their victims’ computers or servers with malware and demanding large payments in order to restore the technology (as well as any...

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Safety Matters: Avoid Heat Illness

Safety Matters: Avoid Heat Illness - When it is hot outside, your body temperature can rise to dangerous levels. Normally, your body cools itself through sweating. However, in hot and humid weather, sweating is not...

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Live Well, Work Well- June 2022

EWG Releases 2022 Dirty Dozen List - Every year, the Environmental Working Group (EWG) releases a report ranking pesticide residue levels of fruits and vegetables based on samples taken by the U.S. Department of...

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Identifying and Avoiding Phone Scams

Identifying and Avoiding Phone Scams - Every year, people report fraud, identity theft and bad business practices to the Federal Trade Commission (FTC) and law enforcement partners. According to FTC data, more than 2.8...

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Live Well, Work Well-May 2022

Elevating Your Psychological Resiliency - Psychological resilience refers to the ability to mentally withstand or adapt to uncertainty and adversity. Building resilience to life’s inevitable changes and challenges can...

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Live Well, Work Well - April 2022

Nip Seasonal Allergies in the Bud - More than 50 million Americans suffer from allergies every year. In particular, springtime allergies are an annual nuisance for many people. As plants begin to bloom and neighbors...

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Risk Insights: Spring Storm Safety Tips for Businesses

Spring can bring about some of the year’s most dangerous weather and wreak havoc on many aspects of a company’s operations. This article discusses the weather threats to watch out for during spring and measures...

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Legal Update: Spending Bill Extends Telehealth Coverage for HDHPs

A spending bill signed into law on March 15, 2022, extends the ability of high-deductible health plans (HDHPs) to provide benefits for telehealth or other remote care services before plan deductibles have been met...

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April is Distracted Driving Awareness Month

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of distracted driving and encourage motorists like you to minimize...

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Know Your Insurance: Factors That Affect Your Home Insurance Premiums

Home insurance coverage can differ from policy to policy depending on a multitude of factors. Being aware of these factors that affect your premium can ensure that you are appropriately covered. Review this Know Your...

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Live Well, Work Well - March 2022

- Understanding Your Kidney Health - March is National Kidney Month, making it a great time to take charge of your health to lower your chances of developing kidney disease. Your kidneys filter your blood to remove...

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Cyber Update: Data Breaches Rose 68% in 2021

- - Data Breaches Rose 68% in 2021, Hitting a New High With No Signs of Slowing - According to the Identity Theft Resource Center’s (ITRC) annual report-which advocated for more effective laws and regulations to better...

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Live Well, Work Well - February 2022

Reducing Your Stress During American Heart Month - According to the Centers for Disease Control and Prevention (CDC), heart disease is the leading cause of death in the United States. In fact, half of all Americans are...

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Safety Matters: De-Icing Outdoor Walking Surfaces in Winter

Keeping outdoor walking surfaces-such as parking lots and sidewalks-clear of ice in the winter is a crucial practice at many workplaces. Not only does ice removal offer aesthetic benefits, it can also help keep you,...

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Legal Update: OSHA Withdraws COVID-19 ETS, but Not the Proposed Permanent Rule

On Jan. 25, 2022, OSHA provided notice that it is withdrawing its COVID-19 vaccination and weekly testing emergency temporary standard (ETS). The withdrawal will be effective once the notice is published in the Federal...

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Winter Safety: Driving

Losing control of a car is undoubtedly one of the most frightening experiences behind the wheel. Unfortunately, it is a potential side effect when the temperatures turn frigid and the roads get slick with ice or snow....

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Property Management Risk Insights: Winter Weather Liabilities

- - Winter Weather Liabilities - The winter months bring more than just cold weather and shorter days; they bring the possibility for winter storms that may result in a snow- and ice-covered landscape. While it may be a...

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Benefits Insights: 4 Strategies for Reducing Health Benefits Costs in 2022

- Health care costs continue to rise each year, and 2022 will likely be no exception. In the new year, experts predict a 6.5% increase in medical expenses alone, according to PricewaterhouseCoopers. In terms of health...

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Legal Update: Supreme Court Stays OSHA ETS Vaccination and Testing Mandate

On Jan. 13, 2022, the Supreme Court of the United States (SCOTUS) ruled to stay the Occupational Safety and Health Administration’s (OSHA) vaccination and testing emergency temporary standard (ETS). The ETS was...

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Legal Update: Agencies Issue Guidance on Coverage of OTC COVID-19 Tests

On Jan. 10, 2022, the Depts. of Labor, Health and Human Services (HHS), and the Treasury issued FAQ guidance regarding the requirements for group health plans and health insurance issuers to cover over-the-counter (OTC)...

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