risk management
September 9, 2026
Navigating Electric Vehicle Charging Infrastructure Risks
As the electric vehicle (EV) market continues to expand, a growing number of businesses have added EV charging spaces to the parking lots, garages and fleet yards of their commercial properties. While these spaces are certainly beneficial for EV drivers, they also carry substantial risks not found in standard parking infrastructure, particularly regarding fire safety....
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 27, 2026
Preventing Employee Slips, Trips and Falls
Fall weather can create new workplace hazards as rain, mud and fallen leaves make walking surfaces slippery. Shorter daylight hours can also reduce visibility around entrances, sidewalks and parking areas. Without proper precautions, these changing conditions can contribute to employee injuries, workers’ compensation claims and operational disruptions. Common Seasonal Hazards Slip, trip and fall hazards...
August 25, 2026
How to Reduce the Cost of Alternative Care
If you’ve considered acupuncture, specialized chiropractic care, functional medicine or integrative mental health counseling, you may have found that insurance coverage does not always work the same way it does for traditional medical care. Even when a provider does not accept insurance, you may still have options to help reduce your out-of-pocket costs. Alternative and...
August 3, 2026
Lightning Safety For Outdoor Workers
When lightning is present, it poses a significant risk to individuals working outdoors, particularly those in open spaces, near equipment or on tall structures. The risk of lightning strikes is often underestimated by workers, even though 300 people are injured by lightning strikes in the United States every year. Follow these tips to avoid severe...
July 29, 2026
What to do in the First 24 Hours After a Commercial Property Loss
A fire, severe storm, burst pipe or other property loss can disrupt business operations in an instant. While the damage itself may be unavoidable, the actions taken during the first 24 hours can significantly influence the claims process and the speed of recovery. By responding promptly and documenting the situation carefully, businesses can help protect...
July 21, 2026
Understanding Commercial Insurance Sublimits
Most business owners know their policy’s overall limit, the maximum amount an insurer will pay for a covered loss. Fewer understand that many of those same policies contain sublimits, smaller caps buried inside the broader coverage that apply to specific types of losses. A business can carry a $2 million property policy and still discover,...
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...
July 2, 2026
General Liability Insurance 2026 Midyear Market Outlook
At year-end 2025, the 2026 price prediction for general liability stood at +1% to +6%. Pricing data through the first half of 2026 suggests rates are tracking toward the upper end of that range, with industry sources indicating renewal rate changes in the 5% to 8% range for many accounts. However, certain sectors, such as...