insurance
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...
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...
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...
September 9, 2025
U.S. P&C Insurers Post $11.5 Billion Underwriting Profit in the First Half of 2025
Despite a slowdown in premium growth and a loss-heavy first quarter, the U.S. property and casualty insurance industry posted an underwriting profit of $11.5 billion in the first half of 2025, according to data from Verisk and the American Property Casualty Insurance Association (APCIA). The $11.5 billion profit surpassed the $3.8 billion underwriting profit in...