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Last year, most companies cancelled their holiday parties as COVID-19 case rates started surging after the Thanksgiving holidays and as people started spending more time indoors. Cases have once again been rising in the run-up to December, so many businesses are approaching their holiday plans with the safety of their staff top of mind.

What are they doing and how can they keep employees safe?

Determining who is legally responsible in an auto accident requires identifying who the negligent party is.

In most cases, common sense can be used to determine fault, but often drivers do not know exactly which laws were broken by the at-fault party. This makes it more difficult to prove a case to an insurer when making a claim.

But if you know where to look, you can provide proof of who was at fault.

The last thing you want to think about when you are getting married is insurance, but as the big day draws near, you will be soon combining your assets and your risk – and your insurance policies should reflect that.

Often, once you are married, you may enjoy the benefit of lower insurance premiums thanks to combining them into one or when you have two vehicles under a shared policy.  Here's what you need to know.

For high-net-worth individuals, the financial consequences of being sued can be serious business.

They typically have more assets at risk should be they be hit with a large court settlement or judgment and, while compensatory damages may be standard across the board, some juries have seen fit to punish the rich especially hard for their negligence.

But if you don't think it can happen to you, consider these not-so-far-fetched scenarios:

Most employers offer major medical coverage to their full-time employees. But that still leaves workers and their families with significant exposure to financial hardship in the event of a serious medical emergency.

For example, even with insurance, treating a broken leg or undergoing emergency appendicitis surgery can mean thousands of dollars in out-of-pocket medical costs.

Fortunately, employers can help by offering their workers voluntary hospital indemnity insurance that can provide peace of mind in case they have a serious medical episode.

Increasing construction project delays are combining with a hardening market for builder's risk and liability insurance to create headaches for project owners and contractors.

If your project suffers from delays, you may find it difficult or costly to extend the length of your insurance coverage as insurers have tightened their underwriting policies and some have stopped underwriting construction projects altogether.

Owners need to understand the insurance marketplace and take steps in advance to keep insurance issues from throwing a monkey wrench into a project. 

Small and mid-sized businesses are increasingly being targeted for cyber attacks, as criminals consider them low-hanging fruits that often do not have the resources in place to mount a strong defense.

A severe attack on a small company can incapacitate its ability to do business, and the expenses of getting operations back on track — coupled with loss of goodwill — can easily force many firms into bankruptcy. That's why it's important to not only have safeguards in place to avoid being compromised in the first place, but to also take out cyber insurance.

Employers looking for ways to decrease their group health insurance outlays over the past decade have been turning to high-deductible health plans as they offer lower up-front premiums. In 2021, 51% of the U.S. workforce was enrolled in one of these plans, according to a recent survey.

But successfully coaxing your employees to choose HDHPs is not always easy. It means getting the deductible amounts right and educating them on how to best use these plans. Here's what you can do.

One of the big concerns that many of us have entering retirement is whether we have set aside enough funds in our 401(k) plan to keep us funded until we pass.

It's hard to plan just how much money you will need because you don't know when you will die. You're saving money for a time without knowing how long it will last, and how much you should be withdrawing every month to make sure you don't deplete it. So, how do you make your retirement plan last?

Millennials seem to have an aversion to the household mainstay of fabric softener, which has been reflected in flagging sales in the last 10 years.

Fabric softener has been in use since the 1960s because laundry when hung out to dry would often be stiff and scratchy, and moms around the world bought it so that their families would be comfortable in their clothes and on their beds.

So what gives?

At some point we all feel it … those regular body aches creeping in, getting tired easily and feeling low on energy. And you ask yourself: Why do I feel so old?

People reach their physical peak when they are between 30 and 35 years old, and after that the average person experiences a bit less than a 1% physical and mental decline each year. But while you may feel slower, achier and low on energy at various times, there are steps you can take to reduce the effects of feeling your age — or feeling older than you are.

Nothing in the food world is probably more controversial and misunderstood than foods made with genetically modified organisms.

Depending on who you talk to, GMO foods are the savior of agriculture and a key to solving the world's hunger problem or they have the potential to destroy agricultural production and unleash as yet unforeseen evils.

The fact is that foods made with genetically engineered crops are already widely available and, more often than not, you would never know you're eating food with GMOs.