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If you own or operate a business whose inventory varies throughout the year, a traditional commercial property insurance policy may not be sufficient in case of a large loss.

If your commercial property policy limits are based on the average inventory your organization carries throughout the year, and you have a total loss during a period when you are carrying additional inventory, your policy may not cover your losses in total. Conversely, if you set your policy limits based on the times when you have peak inventory, you may be overpaying for coverage.

It would be nice if everything could be done with a gentlemen's agreement. But it's important to get things down on paper in a written contract. That's especially vital for high-dollar, complex items like construction projects — which require big investments up front, large commitments of capital and labor. 

Here are the essential elements of a sound construction contract that can withstand adversity and protect the interests of both sides.

For businesses that suffer property damage, getting repairs or rebuilding completed on time and within budget is becoming an uphill battle.

A mix of inflation, supply chain challenges leading to material shortages, a tight construction labor market and the inherent complexity of commercial construction have pushed costs higher and stretched timelines longer. This can leave a company unable to operate or producing revenue at only partial capacity while they wait.

With health insurance costs continuing to climb, many employers are finding that standard medical coverage alone doesn't offer enough financial protection for their staff.

Rising deductibles, higher out-of-pocket maximums and the soaring cost of care are pushing workers to look for other ways to fill the gaps. Employers can step in to meet that need with voluntary benefits.

As cancer rates rise among working adults, treatment has become one of the fastest-rising expenses in employer-sponsored health plans, according to a new survey.

The survey by the International Foundation of Employee Benefit Plans (IFEBP) found that 86% of employers have seen their cancer care spending increase over the past year, with a median rise of 11%, making it one of the most significant contributors to overall health care cost growth.

As more employees are diagnosed with cancer, here's what employers are doing to tackle the increase in the cost of care for their population.

With employers bracing for another steep rise in health care expenses, many are preparing "disruptive" changes, according to a new report.

Employers surveyed for the "WTW 2025 Best Practices in Healthcare Survey" said they anticipate their health care costs to increase by 9% in 2026. They told researchers they can't simply absorb the increases or pass them on in full to employees, and instead hope to chip away at costs through a multi-pronged approach.

If you view annual open enrollment as a simple box-checking exercise, you're likely missing out on helping your staff get the most out of the benefits you provide.

Instead, if you approach open enrollment as a chance to strengthen employee engagement, control costs and help your workforce understand the full value of your benefits program, you'll likely boost participation and satisfaction among your staff. Here are seven steps to getting open enrollment right.

Some see retirement as a time to start a new career. Others see it as a time to travel. Still others plan to spend more time with family and friends.

If you have thought about it, good for you. If you haven't, you should. It's a worthwhile exercise that can help you make plans so you can live out your years doing what you want. With that in mind, here are some things to consider.

One of the most important acts you can pursue to make sure your family is taken care of after your passing is having an estate plan.

But there are many moving parts in a plan, and you'll want to pay attention to all of them so you don't miss anything important that could get in the way of a smooth transition from you to your loved ones. With that in mind, we created this estate planning checklist to help ensure you have all your ducks in a row.

Looking for guaranteed income? It's not easy — and you're not likely to get rich on guaranteed income generators alone. One of the fundamental rules of investment is that rewards over and above what investment theorists call the "risk free rate of return" are only available to those who take some risk with their money.

That said, as you get closer to retirement age, you are going to want some guarantees in place. Here are some of the most popular options. 

Under a final rule issued by the IRS, beginning in 2026, employees aged 60 to 63 can make a "super catch-up" contribution equal to 150% of the standard catch-up amount to their employer-sponsored 401(k) plan.

Alongside the higher limits, the rule requires employees aged 50 years or older and earning more than $145,000 in wages to make all their catch-up contributions, including the new super catch-up, into a Roth 401(k).

Under a final rule issued by the IRS, beginning in 2026, employees aged 60 to 63 can make a "super catch-up" contribution equal to 150% of the standard catch-up amount to their employer-sponsored 401(k) plan.

Alongside the higher limits, the rule requires employees aged 50 years or older and earning more than $145,000 in wages to make all their catch-up contributions, including the new super catch-up, into a Roth 401(k).