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As commercial property insurance rates have climbed steadily in the last five years, insurers have been increasing deductibles, sometimes for all risks, but sometimes for specific perils, such as hail.

Often, business owners fail to notice these increased deductibles until they file a claim. Sometimes, their dollar-amount deductible has been replaced by a deductible that covers a certain percentage of a claim's value, sometimes as high as 5% to more than 10%. While some of these deductibles require business owners to carry more of the risk, others are opting for an insurance product that will reduce their deductible outlay.

As auto insurance premiums continue to rise, some motorists find it challenging to afford the higher rates, leading them to make difficult decisions like not purchasing insurance or purchasing a policy that only has the state-mandated minimum liability limits.

Driving underinsured means having an insurance policy that does not provide sufficient coverage to protect against potential damages or liabilities in an accident. On the other hand, driving uninsured means having no insurance coverage at all.

This is why it's so important to include uninsured/underinsured motorist coverage in your policy.

Health savings accounts have become a prime target for cyber criminals, who are using advanced tactics to steal funds from them, putting your medical expense savings at risk.

The risk is even greater considering you can keep HSAs for life and many people are building wealth in these accounts to save for future medical costs in their retirement years.

If you have an HSA, take steps to ensure that hackers don't drip your account dry.

The U.S. Department of Health and Human Services estimates that nearly 70% of people over the age of 65 will require long-term care in the future, including services like home visits by health care professionals, stays in a nursing home and 24-hour medical support.

With that in mind, it's important to plan ahead for the possibility that you will need long-term care. LTC is expensive — the national average daily cost of a private room in a nursing home is $330 to $400. In the future, those costs will only increase. How would you foot the bill if you suddenly needed long-term care?

Growing companies often overlook the importance of properly managing their risk.

Increased activity can result in additional losses. For example, more trucks driving more miles will inevitably result in more accidents. However, other kinds of risk can increase more than the jump in business activity. We look at three such areas here.

As we age, we may not make new friends, and our social circle may shrink over the years as friends pass away or move to another part of the country. As well, once we stop working, we may lose feelings of self-worth and connections.

But if you have the right mindset and pursue a life of self-care, this doesn't have to happen.

Like so many employers have already done, pharmaceutical giant AstraZeneca Pharmaceuticals LP announced in February 2022 that it will pull the plug on its $1.3 billion pension plan later in the year.

That's where a good financial planner can be crucial in helping you with a number of important tasks.

Many businesses that produce some type of pollutant throughout the course of daily business operations don't know they are doing so.

Others know they are producing pollutants and have processes and safeguards in place to reduce their release into the environment. A business can be held liable for some very costly damages when these byproducts pollute another property or harm another individual. Is your business at risk?

One of the by-products of the modern era — with most people spending hours each day staring at tablets, smart phones and computers — is eye, neck and shoulder strain.

According to The Vision Council, the average American spends about seven hours a day looking at screens, including phones, computers and TVs. Some groups, like Gen Z, spend even more, averaging around nine hours daily. This can result in computer vision syndrome. Here's how to prevent it.

Besides taking care of your winning smile, there may be an even more important reason to keep your dental checkup appointments: Your dentist can detect serious health problems you may not be aware of.

Oral hygiene is important to your overall wellbeing. Untreated cavities can lead to infections that may threaten your health. But during routine exams, your dentist can also detect other issues that signal health problems unrelated to your teeth.

So you're trying to eat healthier and have decided to incorporate more salads into your diet.

While you might be doing great in terms of adding quality, vitamin-laden calories to your intake, if you're like most people, you could be defeating the purpose by drowning your salad in dressing — those creamy, tangy spoonfuls of fat. But did you know you have other options for dressings that won't add to your waistline?

Businesses that regularly hire foreign workers may come under increased scrutiny from the Equal Employment Opportunity Commission after it announced a new enforcement focus on "anti-American bias" in employment decisions.