Business
October 28, 2025
OSHA Releases Top 10 Violations for 2025
OSHA recently announced its top 10 most frequently cited standards during the 2025 fiscal year using preliminary data. This information is valuable for all businesses as it helps them identify common exposures that affect their workforce. It also gives them the information they need to take proactive safety measures and plan their compliance programs. For...
October 21, 2025
California Amends Pay Data Reporting Requirements
On Oct. 13, 2025, California amended the California Fair Employment and Housing Act’s (FEHA) pay data reporting requirements to modify storage requirements and impose mandatory penalties, effective Jan. 1, 2026, and to increase the number of job categories, effective Jan. 1, 2027. Background Private employers with 100 or more employees (at least one of whom...
October 16, 2025
Small Business Health Plans Could See 11% Increase in 2026
Every year, health insurance companies inform state officials of their expected cost changes and propose new prices for plans that comply with the Affordable Care Act regulations. A report from KFF, an independent source for health policy research, focuses specifically on plans for small businesses, typically those with 50 or fewer employees. These plans can...
October 14, 2025
Understanding General Partner Liability Insurance
General partners (GPs) in private capital firms face a distinct set of legal and financial risks. Whether managing a venture capital fund, real estate portfolio or private equity investment, they operate in high-stakes environments where decisions are subject to intense scrutiny. In many cases, liability is not limited to the firm itself; GPs may be...
October 9, 2025
Workers’ Compensation Still the Steadiest of the P&C Lines
Workers’ compensation remains a profit leader across the property and casualty insurance market, with 2025 poised to produce another year of underwriting profits even as net premiums drop, according to a segment report from AM Best. “Workers’ compensation is the key line of business driving the profitability of the whole property and casualty industry, and...
October 2, 2025
Sexual Abuse and Molestation (SAM) Insurance
Organizations working closely with vulnerable individuals, including children and seniors, face heightened exposure to allegations of sexual abuse or misconduct. Public and regulatory scrutiny has intensified in recent years, with greater emphasis on how organizations prevent, respond to, and are held accountable for such claims. Moreover, statutes of limitations in several states have been expanded...
September 30, 2025
National Ergonomics Month – Work From Home Considerations
October is National Ergonomics Month. Ergonomics refers to the science of designing systems, products and work environments to help people enjoy optimal conditions. Ideal ergonomics may improve productivity and limit health issues, including musculoskeletal disorders and repetitive stress injuries. However, given the recent rise in the popularity of remote work arrangements, employers may not be...
September 16, 2025
National Preparedness Month: Building Resilience Together
September is National Preparedness Month, a timely reminder that preparation is key to protecting our people, businesses, and communities. At CMR Risk & Insurance Services, we know that while no one can predict the future, every organization can take steps to reduce risks and respond effectively when the unexpected happens. Why Preparedness Matters From natural...
September 11, 2025
The Impact of HVLS Fans on Fire Protection
High-volume, low-speed (HVLS) fans are large ceiling fans designed to rotate slowly and efficiently while moving significant amounts of air across vast spaces. They have become increasingly common in various types of commercial buildings, especially warehouses, factories and gymnasiums. HVLS fans differ from traditional ceiling fans due to the extended diameter of their fan blades...