insurance
January 22, 2026
Trends Impacting the Commercial Insurance Market
In 2026, the commercial insurance market is showing signs of stabilization after years of volatility, but businesses still face a range of evolving risks that influence coverage costs. From climate-driven catastrophes and regulatory pressures to litigation trends and technology exposures, these forces are shaping underwriting practices and premium pricing across multiple lines. Article Published...
January 6, 2026
Commercial General Liability Insurance
Running a business comes with significant risk. Everyday interactions, such as serving customers, visiting clients or running marketing campaigns, can expose businesses to potential liability. A customer could slip on a wet floor, a contractor could accidentally damage a client’s property, or a marketing campaign could unintentionally harm the reputation of a competitor. Just one...
December 24, 2025
Key Components of Management Liability Insurance
In today’s increasingly litigious and regulated business environment, management liability insurance is a critical financial safeguard for organizations and their leadership teams. Whether public, private or nonprofit, all organizations face potential management liability risks, including allegations of mismanagement, shareholder scrutiny and employment-related claims. Fortunately, management liability insurance can help organizations protect their financial assets while...
December 23, 2025
Understanding Contractual Risk Transfer
Contractual risk transfer (CRT) involves shifting financial responsibility for specific risks from one party to another within a contract. This risk management strategy is crucial for construction employers, as it places liability on subcontractors, vendors or service providers. In this way, CRT protects employers’ margins, reduces uninsured losses and helps ensure insurance coverage for losses....
December 18, 2025
Warehouse Security Systems, Fencing, Lighting and Access Control
Warehouses hold significant quantities of high-value inventory, making them prime targets for criminal activity, including break-ins and employee theft. Busy loading docks, a steady stream of delivery vehicles and regular shift changes mean doors are frequently open, and staff are moving in and out, creating conditions that increase the risk of unauthorized access. As such,...
December 4, 2025
California Employment Laws Effective Jan. 1, 2026
California enacted new or amended existing state labor and employment laws throughout 2025. This Legal Update provides an overview of these new or amended laws, almost all of which take effect on Jan. 1, 2026. Specific labor and employment updates include the following topics: Pay Transparency (SB 642) California amended its pay transparency law to...
November 19, 2025
End of Enhanced ACA Subsidies: Potential Impact on Employers
The Affordable Care Act (ACA) created a federally financed subsidy, called the premium tax credit (PTC), to help eligible individuals and families with low or moderate incomes afford health insurance purchased through an Exchange. During the COVID-19 pandemic, Congress temporarily enhanced the PTC by eliminating the income cap for eligibility and increasing the amount of...