business
October 8, 2026
Walking Safely in the Winter Months
Cold-weather walking surfaces such as parking lots, ramps, stairs and sidewalks pose serious slip, trip and fall risks for workers. Snow accumulation, ice formation and refreezing meltwater are not always visible underfoot, making these hazards easy to miss. Contributing factors like poor lighting, wind-driven precipitation, and workers rushing between locations to escape the cold can...
October 1, 2026
Managing Benefits Coverage Across Multiple Renewal Dates
A benefits package often functions as a coordinated program, with each line of coverage moving through renewal and enrollment on the same timeline. Over time, however, carrier changes, new benefit offerings and organizational transitions can place individual plans on different renewal schedules. While differing effective dates may seem like a minor administrative detail, they can...
September 29, 2026
Understanding Retainage Disputes
Retainage is a common construction practice in which a portion of payments due to a contractor or subcontractor is withheld until agreed project milestones or completion requirements have been satisfied. When used appropriately, retainage is intended to incentivize contractors and subcontractors to complete work to the expected standard and ensure that defects or deficiencies are...
September 10, 2026
Open Enrollment Changes to Watch For
Open enrollment often appears unchanged from one year to the next, but you may be surprised by what is new when you enroll this cycle. Carriers adjust plan pricing, the Internal Revenue Service (IRS) updates contribution limits, and employers revise their benefits offerings based on utilization and employee feedback from the prior year. As a...
September 1, 2026
Managing Project Delays and Stoppages
Construction projects are frequently delayed or temporarily halted by adverse weather, permit problems, labor shortages, supply chain disruptions and financing challenges. These setbacks not only push back a completion date; they can change the risk profile of the entire project. Proactive planning can help employers limit financial losses and keep a project protected from start...
August 18, 2026
Upskilling Employees on AI
Artificial intelligence (AI) is continuing to reshape how work gets done, but for small businesses, keeping pace can feel daunting. Without large training budgets or dedicated learning and development teams, many small employers assume AI upskilling is out of reach, which isn’t necessarily the case. With a focused approach, small businesses can close the AI...
August 13, 2026
Addressing Silent Burnout in the Workplace
Burnout is the state of chronic physical and emotional exhaustion from prolonged stress. According to Spring Health’s 2026 Workplace Mental Health Annual Report, 74% of employees have experienced burnout, while 61% of HR professionals say employee burnout has increased in the past year. Traditional burnout is generally easy to spot with missed deadlines, behavioral issues,...
July 9, 2026
Best Practices for Implementing a Risk Assessment Program
Numerous business challenges can hinder operational resilience and cause losses, including cybersecurity threats, supply chain disruptions, evolving regulatory requirements and changing workforce dynamics. Fortunately, a comprehensive risk assessment program can help organizations identify risks, plan mitigation responses and reduce exposure. However, to be effective, the program must be supported by several key elements, including standardized...
May 14, 2026
How Agentic AI Is Changing the Cyberthreat Landscape
Artificial intelligence (AI) is undergoing a fundamental shift. Systems that once served as assistive tools (e.g., predictive models and generative AI) are now evolving into agentic systems capable of planning and executing complex, multistep tasks with minimal human input. As AI systems’ ability to plan and execute tasks autonomously accelerates, so too does the potential...
May 7, 2026
What Every Business Owner Should Review Before Their Insurance Renewal
Businesses rarely remain static. Signing new contracts, operating from different locations or adopting alternative methods of working are just some of the ways a company’s risk profile can change. Consequently, coverage that was once appropriate may fall behind as risks evolve, especially amid broader market shifts, such as technological advancements or regulatory changes. If coverage...