Customized Insurance Agency Newsletters, Content, and Marketing

Insurers are taking a more nuanced and expansive view of construction firms' risks when underwriting policies due to ongoing challenges affecting the construction industry.

Severe labor shortages, inflationary pressures and lingering supply-chain disruptions continue to complicate construction operations and increase project costs.

At the same time, a surge in digital infrastructure, power generation and other large-scale industrial projects is fueling demand for construction insurance while introducing new and more complex risks.

More American homes include a new addition: a drone. While these gadgets can be loads of fun to fly, they also come with responsibility and risks of property damage and bodily injury.

And as people start flying drones, there will be accidents and injuries followed by claims and even lawsuits. Here's how you can protect yourself.

While summer is a time for fun and sun outdoors, at least 200 children lose their lives in pools each year during this season. The Red Cross sponsors several campaigns and provides safety tips to help Americans keep themselves and their families safe around pools and hot tubs. Here are some vital tips to remember.

A new report finds that many employers believe they are doing a good job meeting workers' benefits needs, but employees often see things differently.

The findings in Aflac's "Workforces Report" highlight growing gaps in communication, financial preparedness and access to benefits information that could affect engagement and retention. The report identifies areas where employers can improve benefits delivery and increase benefit uptake and usage, which can help improve employee retention and attract new talent.

A recent survey of more than 900 men found that 42% skipped recommended medical care in the past year, while 82% said they prioritize their family's needs over their own health.

Those findings should be a wake-up call for employers. Preventive care can help identify health issues before they become serious and expensive, yet many men are delaying routine screenings, annual physicals and mental health care.

A new study has found that physicians and hospitals are winning payment disputes for planned procedures like surgeries handled through the No Surprises Act dispute resolution system with awards that are sometimes more than 100 times typical rates.

These awards are adding "tens of thousands of, or in some cases even more than one hundred thousand, dollars in excess costs" per claim, according to the study by Elevance Health. This consequence of a law that was supposed to drive down costs could raise health insurance premiums paid by employers and workers.

One of the main recommendations for employees with 401(k) plans is that they should contribute at least enough to their plan every paycheck to ensure they receive the maximum they can in their employer's matching contributions.

But a new study by Willis Towers Watson recommends that younger, healthier workers should divert savings to their health savings account from their 401(k) after capping out employer matching instead of continuing to put money into their retirement plan. Here's how it works.

Employers may soon have a new way to help employees access fertility treatments without incorporating those benefits into their primary health plans.

The Departments of Labor, Health and Human Services and the Treasury have proposed regulations that would create a new category of "limited excepted benefits" for fertility treatments under the Affordable Care Act. If finalized, employers could begin offering these benefits in 2027. The proposal is intended to expand access to fertility care while giving employers more flexibility in designing benefit programs.

A new report has found that cyber insurance policies are covering more than 95% of average data breach losses and 90% of average first-party losses, demonstrating that cyber insurance is providing substantial financial protection against increasingly costly cyberattacks.

The report's findings suggest that companies with properly structured coverage have most of their breach costs covered by their insurer after an incident. However, risk managers should understand that cyber insurance is not a substitute for strong cyber security controls.

A new study has found that artificial intelligence hiring tools can disproportionately screen out Black and Asian job applicants and repeatedly reject the same candidates across multiple employers using the same technology.

The findings raise new concerns for employers as AI increasingly becomes a fixture in recruiting. According to the World Economic Forum, about 90% of firms now use artificial intelligence to help vet job applicants.

Beginning July 4, 2026, families of children born between 2025 and 2028 may be eligible for a new "Trump Account," a custodial investment account that comes with a notable incentive: a $1,000 federal government contribution to help start the account. 

The new account adds to the many options parents have when planning an investment or savings account for their child. But while the free seed money is appealing, financial professionals caution that parents should not let the government contribution alone determine whether the account fits their child's needs and goals.

While solar technology can provide significant long-term benefits for commercial property owners, they should also understand how these systems can affect fire safety.

Solar panels do not frequently cause fires on their own. However, when a fire occurs, the presence of a rooftop solar array can complicate firefighting efforts and increase the severity of the loss.