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All You Ever Wanted to Know About Insurance

Live Well, Work Well- December 2022

Prioritizing Your Emotional Well-Being During the Holidays - While the holiday season and end-of-year parties can be full of festive fun, they can also be stressful and take a toll on your emotional well-being. Putting...

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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: Active Assailant Insurance

The frequency and severity of active assailant attacks are on the rise, and they can have a significant financial impact on the owner of the premises or business where the event took place. As a result, organizations...

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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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Risk Insights: Reducing Air Pollution

The air around us fills our lungs with oxygen and allows us to live. Clean air is essential for almost every living thing on the planet-both plants and animals. However, while engaging in certain activities, humans...

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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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Risk Insights: Drones - Cyber Exposures

Drones: Cyber Exposures - Unmanned aerial drones, also called unmanned aircraft systems (UAS), are a new type of aircraft that have broad commercial and personal uses. UAS can be used to inspect buildings, deliver...

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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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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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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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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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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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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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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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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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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 waste...

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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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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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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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Live Well, Work Well - January 2022

How to Make - and Keep - Your New Year's Resolution - As the new year approaches, you may find yourself reflecting on the past year. This introspection is a significant first step toward selecting a New Year’s...

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Legal Update: Court Reinstates OSHA Vaccination Mandate for Private Employers

On Friday, Dec. 17, 2021, the 6th Circuit Federal Court of Appeals reinstated the Occupational Safety and Health Administration’s (OSHA) federal emergency temporary standard (ETS) for COVID-19. The 6th Circuit decision...

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Safety Matters: Avoid Winter Slip-ups

Winter months present additional hazards that are typically not factors for employees during warmer weather – specifically, slip and fall concerns. With snow and ice-covered conditions, you run the risk of taking major...

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Risk Insights - Drones: Cyber Exposures

Unmanned aerial drones, also called unmanned aircraft systems (UAS), are a new type of aircraft that have broad commercial and personal uses. UAS can be used to inspect buildings, deliver materials or fly around as...

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OSHA's Safe and Sound Week

Each year, more than 5,000 workers are killed on the job. Additionally, more than 3.6 million employees are seriously injured each year while at work. Because of this, the Occupational Safety and Health Administration (...

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Drone Safety

Drones are usually thought of as toys or hobbyist aircrafts. However, they also constitute a substantial risk to your family, home and privacy. Whether or not you own a drone, it’s important that you’re aware of...

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Aircraft Hull and Liability Coverage

What is Aircraft Hull and Liability Coverage? - A basic aircraft hull and liability insurance policy protects against physical loss or damage risks, such as the following: Physical damage Passengers, baggage and cargo...

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FAA Rule Allows Drones to Operate Over People and at Night

The Federal Aviation Administration (FAA) has released a final rule allowing the routine operation of small unmanned aircraft systems (UAS) over people and at night under certain circumstances. The rule eliminates the...

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Why did my rates go up?

This is a question we get asked, a lot. To answer this question properly, we need to review the insurance market cycles. Insurance rates are cyclic, changing from soft markets to hard markets. Each cycle tends to last 3-...

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