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Make the Ride Home Part of the Plan on July 4th

America is turning 250 this year, and Fourth of July celebrations may feel a little bigger, louder, and more festive than usual. Many of us are ready for the backyard barbecues, time with family, block parties, and fireworks. But...

Are You Prepared? Building an Emergency Supply Kit Before You Need It

Emergencies rarely arrive at a convenient time. A power outage can happen during dinner. A storm can close roads. An earthquake can interrupt a normal workday. A wildfire, flood, or other disaster can affect communication,...

Why Safety Conversations Should Start Before OSHA Walks In

For many business owners, OSHA is not something they think about on an average day. It usually shows up in the conversation after something has already gone wrong. An employee gets hurt. A complaint is filed. An inspector arrives. A...

You didn't install a widget. You hired a 24/7 Customer Service Rep with zero supervision

Artificial intelligence is rapidly reshaping the hospitality industry. From chatbots that answer guest FAQs at 3 AM to systems that route room service requests, AI is a powerful tool for increasing efficiency and lightening the load on...

Why a 1.0 Experience Mod Isn’t the Finish Line

For many employers, a 1.0 experience modification rate, often called an Ex-Mod or X-Mod, can feel like a win. It means the business is not performing worse than expected. It means the workers’ compensation loss experience is not...

AI for Good: What Whales, Wildfires, and Early Warnings Can Teach Us About Prevention

Much of the current narrative surrounding AI focuses heavily on what can go wrong. This caution is entirely justified. Beyond the critical exposures of cybersecurity vulnerabilities, data privacy gaps, and compliance issues, a...

Your Next Cyber Surprise Might Start With an Employee Trying to Save 20 Minutes

Artificial intelligence is already showing up in everyday business operations, often in small and seemingly harmless ways. An employee may use an AI tool to clean up a guest email. A manager may use it to draft a schedule, job...

Supporting Employee Mental Health Is Good Risk Management

In the field of risk management, success is often measured by the ability to detect cracks in the foundation before they compromise the structural integrity of a business. Typically, these risks are quantified through balance sheets,...

Your Workers’ Comp Bill Isn’t a Mystery. It’s a Receipt.

Most business owners know the numbers they see every day. Sales. Payroll. Labor costs. Food costs. Rent. You know the price of supplies that somehow never seems to move in the right direction. But there is another number many owners...

The $100,000 Napkin Run: The Hidden Risk of the “Quick Favor”

It starts with a simple favor. A restaurant needs someone to grab extra supplies. A staff member offers to drop off a catering order on the way home. No one thinks of it as a business auto exposure. The employee is driving their own...

How Delayed Reporting Can Drive Up Workers’ Comp Costs

When an employee gets hurt at work, the first concern is the injury itself, as it should be.But in workers’ comp, the injury is often only part of the story. What happens afterward matters too, and one of the biggest problems is simple...

Why Your Small Business Can't Afford to Skip its Annual Insurance Checkup

Your small business is constantly evolving, but is your insurance keeping up? Annual insurance reviews are a critical practice for small businesses. They can help reduce insurance costs while ensuring coverage keeps pace with the...

Return-to-Work Should Be About More Than Light Duty

When employers hear “return to work,” the conversation often starts with restrictions, modified schedules, or a short list of lighter tasks.But a strong return-to-work program should do more than fill time. Done well, it helps a...

When Stress Becomes a Safety Risk in the Workplace

April is National Stress Awareness Month, but for most business owners stress awareness isn't a calendar event: it's a year-round reality. When the mental load of a team goes unmanaged, it doesn't just affect morale. It leaves the door...

The Quiet Cost of Being the "Go-To" Person.

In the hospitality industry, we take pride in “pushing through.” We celebrate the manager who stays late to cover gaps or the server who keeps a busy floor running smoothly. But burnout often looks like someone just being exceptionally...

For Restaurants, Threats Exist in the Overlap Between Operations and Digital Systems

A recent industry article from Zywave indicates that restaurant security is no longer just about physical barriers like deadbolts and safes. While those are still foundational, most risks now stem from the ways physical operations and...

Hackers Rarely Break In. They Usually Just Rely on Everyday Human Error

Earlier this week, we talked about a scenario that happens all too often. A fake vendor invoice lands in the inbox of a diligent employee who is just trying to do their job. We tend to think of cyber-attacks as these highly complex,...

Is Your Insurance Protecting the Business You Have Today or the One You Had Two Years Ago?

Success creates a specific kind of problem: your business starts moving faster than your insurance paperwork can keep up.The latest data from the 2025 Hiscox Small Business Report is a bit of a wake up call. Currently, 77% of US small...

Why 60% of businesses are running on blind faith (and sticky notes).

We were looking at a new risk report from Zywave this week, and one statistic jumped right off the page. It turns out 60% of companies have absolutely no strategy for internal communication.In a regular office, bad communication just...

What's one of the most overlooked drivers of workplace accidents? (Hint: It’s in the breakroom).

We spend thousands of dollars on safety training, slip-resistant shoes, and compliance checklists. But if you are fueling your team with cheap, processed snacks, you are ignoring a massive driver of workplace accidents: The 3:00 PM...

Why HR is the Real Engine of Hospitality Risk Management

In this industry, you track everything. You know the operating margins down to the penny. You obsess over guest satisfaction scores and occupancy rates. These are the metrics that you look at every single morning.But there is one...

The Most Dangerous Thought in Your Restaurant: "Someone Else Will Get That"

The dinner rush is a unique environment. It is loud, fast, and high-pressure. Tickets are printing, plates are flying out of the pass, and your team is operating on pure adrenaline and muscle memory.A server walking with three hot...

Is Your Safety Record Costing You? Understanding Your Experience Mod

For many employers, Workers’ Compensation insurance comes down to a single number: the premium. Some might think this is uncontrollable, but the reality is that business owners have more control than they think. For Workers' Comp...

Beyond the Plate: 4 Blind Spots to Watch Out For in 2026

Most people don't realize that running a restaurant is a constant balancing act between the art of the food and the reality of the operations. It's a challenge to deliver that exceptional guest experience while also making sure your...

The Real Risks of Running a Bakery

Most people just see the display case—the perfect croissants, the cakes, and the fresh bread. They don't see the 3:00 a.m. start times, the heat of the kitchen, or the constant worry that the walk-in freezer might quit right before a...

The 15-Minute Habit That Could Change Your Health

Think you need to spend hours at the gym to make a difference in your health? Research from the American Journal of Preventive Medicine shows that the secret to significant health benefits might be as simple as a 15-minute walk each...

An Insurance Write-Off You Might Be Missing

Navigating the complexities of the tax code is a common challenge for businesses across all sectors. A frequent question business owners ask is whether their business insurance premiums are tax deductible. The answer, generally, is yes...

Are QR Codes a Welcome Mat for Cybercriminals?

Quick Response (QR) codes, those pixelated squares we see everywhere, offer a quick way to access information, make payments, and download applications. Functioning similarly to barcodes, they are scanned by smartphones or dedicated...

Want to Improve Health? Your Backyard Might Be Your Best Medicine

Let's be honest—when your grocery bill is through the roof and your gym membership card is buried somewhere in your wallet, it's time to look at other alternatives. Turns out, the answer might be sitting right outside your door. More...

Why the most resilient leaders prioritize gratitude

In the rush of daily life, it's easy to become entangled in stress and negativity. However, a powerful antidote exists: the practice of gratitude. Gratitude is the conscious act of recognizing and appreciating the positive aspects of...

The Power of Protein

Protein is having a moment, and it’s for good reason. While some focus on it for muscle-building, others view it from a weight-loss perspective. Regardless of personal goals, protein is a macronutrient essential for body function. It...

4 Things to Do Right Now for Cybersecurity Awareness Month

October is here, and with it comes the 22nd annual Cybersecurity Awareness Month. While it’s a great time to focus on security, the truth is that cyber threats happen every day. For your business, protecting your data, your customers,...

If You're Feeling the Strain at Work: Let's Talk Ergonomics.

Ever end your shift with an aching back, sore wrists, or tired feet? You're not alone. These aches and pains are often signs that your work setup is fighting against your body's natural movements. That's where ergonomics comes in....

From Necessity to Strategy: Navigating the Future of Hybrid Work

What began as the world’s largest work-from-home experiment has officially become commonplace in most businesses. When the pandemic forced a global rethink of the office, hybrid work emerged as the clear front-runner. Now, it's no...

Your Referral Program Can Be So Much Better. Here's How.

I spent almost two decades as a recruiter for consulting services companies, placing high-level professionals on critical projects mostly in the technology space. The pressure was always on to line up the perfect person or team, often...

Should Your Menu Come with a Warning Label? A California Bill Is Sparking the Debate.

Imagine if your next restaurant meal landed you in the emergency room? That's a daily reality for 33 million Americans with food allergies, and according to an article in today's Insurance Journal, California is looking to change it....

What's the Real Cost of a Data Breach? It's Not What You Think.

The average cost of a data breach in the United States has soared to a new record of $10.22 million, a stark contrast to the global average, which saw a 9% decrease to $4.44 million. According to IBM’s 2025 Cost of a Data Breach Report...

How Small Businesses Can Attract Top Talent

Finding qualified employees continues to be a primary challenge for small businesses. A recent report from the National Federation of Independent Businesses (NFIB) quantifies this struggle, revealing that 36% of business owners had job...

Prioritizing Yourself: Your Guide to National Wellness Month

August is National Wellness Month, a perfect time to remember the importance of taking care of ourselves. Wellness isn't just about physical health; it also includes your mental and emotional well-being. When you invest in your...

Your Employee Slips in Their Home Office. Is It a Workers' Comp Claim?

The debate over returning to the office is largely over, but a more critical conversation is just beginning for business owners: how to manage the risks when employees work remotely. This new reality has created a huge blind spot for...

Is Your Business Underinsured? 5 Ways to Protect Yourself

Underinsurance is a dangerous blind spot for many small businesses. A policy that doesn't fully cover your risks can leave you facing crippling costs after a fire, cyberattack, or lawsuit. Here are five essential tips to ensure your...

Own a Bakery? Our Best Tips to Mitigate Risk

From the pre-dawn hours to the rush of pastry orders, the world of a baker is a mix of passion, precision, and a relentless pace. As artists, bakers often get lost in the creative process as the pastries bake and the steady hum of...

How Small Businesses Are Leveling the Playing Field with AI

The entrepreneurial landscape is experiencing a seismic shift. While large corporations once held a monopoly on cutting-edge technology, artificial intelligence has democratized innovation, putting powerful tools directly into the...

Boosting Employee Engagement: Don't Make These Common Mistakes

Employee engagement is essential for a thriving workplace. Yet sometimes your efforts can unintentionally disengaging the very people you're trying to motivate. New data from a Gallup report published in early 2025 reveals a...

Want to Improve Health? Your Backyard Might Be Your Best Medicine

Let's be honest—when your grocery bill hits triple digits and your gym membership card is buried somewhere in your wallet, it's time to look for alternatives. Turns out, the answer might be sitting right outside your door. More people...

National Safety Month: Why Safety Is More Than Compliance

June marks National Safety Month, a critical campaign led by the National Safety Council (NSC) dedicated to preventing injuries and saving lives, both in and out of the workplace. This annual observance isn't just about highlighting...

Workplace Safety: What Employers Need to Know Now

Let's face it: in today's dynamic world, keeping your team safe isn't just a box to tick – it's an important part of a thriving organization. Whether you're a 10-person startup or a multinational powerhouse, the goal of preventing...

Empowering Your Employees: The Blueprint for a Cybersecurity Awareness Program

We all know the headlines. Businesses, big and small, are constantly under siege from cyberattacks from phishing scams to malware attacks to ransomware schemes. These attacks can lead to financial losses and reputational damage -- a...

Mental Health Awareness Month: Prioritize Your Well-being

Mental Health Awareness Month, observed every May, serves as a crucial reminder that mental health is just as important as physical health. This national health observance is meant to raise awareness, reduce stigma...

Beyond Benefits: Driving Retention Through Employee Engagement

"Employee engagement" isn't just a trendy buzzword. It's the place where passion meets purpose. Engaged employees genuinely care about their performance and the overall success of your company. Conversely, disengaged employees are more...

Small Acts, Big Impact: Earth Day 2025

We hear statistics about climate change every day: it's a massive planet-sized problem. And sometimes, trying to do your bit can feel like a tiny drop in a very large, warming ocean. But those little drops do add up. That's the spirit...

Distracted Driver Safety Month: Drive Smart. Drive Safe.

Be honest. Have you ever... Glanced at your phone while stuck in traffic? Fumbled with the radio to change a song? Chatted with a passenger and missed a turn? These seemingly harmless actions can have devastating consequences. According...

How the Outdoors Supports a Healthy Mind.

Spring is here, and with warmer weather and longer days comes a great chance to improve your mental well-being. Whether you've felt down during the winter, are dealing with stress, or just feel tired of being inside, spending time...

Girl Scouts Sued Over Alleged Heavy Metal, Pesticide Contamination

A proposed class-action lawsuit has been filed against the Girl Scouts of the United States of America and its licensed cookie bakers, ABC Bakers and Ferrero USA’s Little Brownie Bakers, alleging the presence of potentially harmful...

Spring Wellness: A Practical Guide

Spring presents an opportunity for both home maintenance and personal health improvement. Effective spring cleaning and consistent wellness practices are essential for a safe and productive season. Spring Cleaning: Prioritizing Safety...

Navigating Cyber Risks in the Restaurant Industry

In the restaurant industry, reliance on technology is no longer a luxury, but a necessity. From online ordering and reservation systems to digital payment processing and inventory management, restaurants are increasingly dependent on...

Redefining Workplace Safety

In 1970, when President Richard Nixon signed the Occupational Safety and Health Act, a grim statistic haunted the American workforce: 14,000 lives lost annually on the job. Fifty years later, while that number has thankfully decreased...

Beyond the Handbook: Rebuilding HR Trust in Small Businesses

Rebuilding Trust: 10 Essential Tips for Small Business HR Trust is the bedrock of any successful employer-employee relationship. Unfortunately, many small businesses struggle to build and maintain employee trust in their HR departments...

Tips on Staying Safe in Extreme Precipitation

Extreme precipitation events, from hurricanes and thunderstorms to blizzards, can transform outdoor work environments into hazardous zones, putting employees at risk. Protecting yourself in these conditions requires proactive...

Cultivating a Thriving Workplace: Strategies for Employers

A healthy and productive workplace hinges on prioritizing mental well-being and implementing effective stress reduction strategies. The statistics paint a stark picture: the World Health Organization reports that 83% of US workers...

Fire Extinguisher Safety Tips

Fire extinguishers are crucial for tackling small fires in their initial stages, preventing them from escalating into major incidents. They are most effective when the fire is contained, growing slowly, producing minimal smoke, and...

Safeguarding Your Small Business: Preventing Theft & Vandalism

Theft and vandalism present multifaceted threats to businesses. Theft can range from shoplifting to employee dishonesty, while vandalism encompasses acts like smash-and-grab robberies, graffiti, and property damage such as broken...

Level Up Your Cybersecurity: 10 Resolutions for a Safer 2025

The cyber threat landscape evolves constantly, demanding a proactive approach to data security. Here are 10 resolutions to fortify your organization's defenses in 2024: Empower Your Employees: Employees are your first line of defense...

2025 Market Outlook: Cyber Insurance

The cyber insurance landscape remains volatile. While predicted rate decreases may materialize, the impact of systemic events like the CrowdStrike and Change Healthcare incidents underscores potential for stricter underwriting and less...

Thriving Workplaces: Prioritize Mental Health

Did you know? A whopping 92% of workers of workers said it’s important to work for an organization that values their emotional and psychological well-being. That's why prioritizing mental health isn't just the right thing to...

Holiday Food Safety Tips

Now that the holiday season is here, let's talk food safety! While the temptation to thaw holiday dishes on the counter is real, food safety experts have some eye-opening insights about this common practice. Here's what might surprise...

3 Tips to Prevent Holiday Burnout

Everyday life is hectic enough without the added stress of the holidays. Everything from attending celebrations, coordinating gift-giving, planning finances and balancing various family obligations can cause holiday burnout this time...

Firing Up Your Restaurant's Safety Plan

Running a restaurant is a delicate balancing act. The pressure to deliver culinary perfection, maintain customer loyalty, and ensure employee well-being is constant. Yet, beneath the surface, lurks a host of risks that could jeopardize...

Navigating the Holiday Rush: A Retailer's Guide

The holiday season is a time of excitement, but it also brings unique challenges for retailers. As stores transform into bustling marketplaces, crowd management becomes paramount to ensure a safe and enjoyable shopping experience. In...

6 Tips for Maintaining Emotional Wellness During the Holidays

While the holiday festivities and end-of-year parties can be a joyful time for everyone, they can also create stress and take a toll on youremotional well-being.Putting your emotional wellness on the backburner during this time may...

Cyber Monday Safety: Protect Yourself from Online Threats

Cyber Monday, the Monday after Thanksgiving, is one of the biggest online shopping days of the year. As retailers offer massive discounts on products, it's also a big payday for cybercriminals. They use sophisticated tactics to lure...

Diving into Insurance: A Swimming Pool Contractor's Guide

As a swimming pool contractor, you’re always on the move, juggling projects and client expectations. But with all the hustle and bustle, it’s crucial to remember one important thing: protecting your business. That’s where insurance...

Managing Risk, Protecting Your Business: Common Exposures for Bars, Taverns & Nightclubs

Bars, taverns, and nightclubs are popular destinations for socializing, but the presence of alcohol creates unique risks. These establishments face potential lawsuits and insurance claims due to factors like unruly patrons and...

Workers' Comp 101: From Bandages to Your Bottom Line

Accidents happen in the work place every day. Workers’ compensation insurance is the safety net employers rely on for injuries or illnesses related to work. If one of your employees is injured on the job and is medically...

Unexpected Job Growth Amid Hiring Slowdown

In a surprising twist, the U.S. Bureau of Labor Statistics (BLS) reported that job market defied expectations in September, with employers adding 254,000 new positions instead of the approximate 140,000 expected by economists. This...

The Power of Gratitude: Cultivating Positivity and Well-being

In today's fast-paced world, it is easy to become overwhelmed by stress and negativity. However, cultivating a sense of gratitude can serve as a powerful antidote to these challenges. Gratitude involves recognizing and appreciating the...

Cybersecurity Awareness Month: A Call to Action

October is Cybersecurity Awareness Month, a time to highlight the growing importance of digital security. In an era where our lives are increasingly interconnected with technology, protecting our personal and professional information...

Restaurant Safety Hazards: Preventing Slips and Trips

Slipping and tripping are common hazards in restaurants, where spills and cleaning products can create slippery surfaces. These accidents can lead to injuries for both employees and patrons. By following these safety tips, you can...

The Food-Mood Connection: How Diet Impacts Your Emotional Wellbeing

Ever notice how a sugary crash leaves you grumpy, or a healthy meal fuels your focus? Food isn't just about energy; it's like a secret weapon for your mood and overall mental well-being.  Scientists are finding out more and...

Enhancing Restaurant Security: A Proactive Approach

Restaurants can be easy targets for thieves. Dim lighting, high customer traffic, and a fast-paced work environment can make it challenging for staff to detect suspicious activity. However, implementing a comprehensive security...

Reimagining the Office: Benefits of "Going Green"

"Going green" in the workplace isn't just about recycling or energy-saving measures. It's about creating a healthier, more sustainable work environment. Several studies, including those conducted by the University of California, Los...

Five Risks of Hiring an Uninsured Contractor

Thinking about hiring a contractor for your next project? Before you sign that contract, there's one crucial question you need to ask: Are they insured? 1. Legal Consequences and Penalties Hiring an uninsured contractor may violate...

Unleash Your Team's Potential Through Cross-Training

Tired of the same old routine? Cross-training can be the spark your team needs! By equipping employees with a wider range of skills, you're not just filling gaps; you're creating a versatile workforce ready to tackle any challenge....

2024 Mid-Market Outlook: Commercial Property Premiums on the Rise

The commercial property insurance market has been grappling with rising premiums for over a decade. In 2023, these increases reached unprecedented levels, averaging a staggering 20.4% in the first quarter alone. While the pace has...

UNPLUG, RECHARGE, AND REDISCOVER YOURSELF: THE HEALTH BENEFITS OF CAMPING

The great outdoors is seeing a surge in popularity. In just a few years, millions of Americans have discovered the thrill of camping for the first time. According to camping website, The Dyrt, over 20 million people have gone camping...

Protect Your Business: The Importance of Professional Liability Insurance

In today's competitive business landscape, even the most experienced professionals can face unexpected challenges. A single error, oversight, or misunderstanding can escalate into a costly lawsuit, potentially jeopardizing your...

Chill Out and Stay Healthy: Your Guide to Beating the Summer Heat

Summer's heat can be more than just a nuisance - it can pose a health risk, especially for vulnerable populations like children and older adults. But there are ways to keep your cool and enjoy the season regardless of age. Heat...

Safeguarding Your Reputation: The Power of Cyber Incident Response Planning

In today's digital age, a company's response to a cyber incident can be a defining moment. A misstep can lead to a domino effect of disgruntled stakeholders, customer churn, and a plummeting market value. Thankfully, with proactive...

Summer Travel: Hacks for a Hassle-Free Adventure

Summer's in full swing, and many are gearing up to explore. But unexpected costs and delays can throw a wrench in the best itineraries. Here's your guide to navigating common travel hurdles and keeping your family adventure on track...

The Great Resignation Continues: How to Keep Your Top Talent

In 2023, a whopping 27% of U.S. workers jumped ship, costing companies nearly a trillion dollars to replace them. With experts predicting another wave of resignations this year, employee retention is a top priority for businesses...

Can You Survive a Tenant Lawsuit?

As a commercial landlord, you face the risk of tenant lawsuits for injuries or property damage. From slip-and-falls to fire, unexpected events can lead to costly litigation. Lessor's Risk Only (LRO) insurance is your safety net....

National Safety Month: Prioritizing Employee Wellbeing

Every June, the National Safety Council (NSC) leads the charge with National Safety Month, a dynamic initiative designed to empower employees and prevent workplace incidents. This campaign shines a spotlight on the importance of safety...

Maximizing In-Office Time in Your Hybrid Work Model

The post-pandemic landscape has seen a rise in hybrid work arrangements, offering employees a valuable blend of on-site and remote work. While some companies may prioritize more on-sight time, a well-structured hybrid model can...

Commercial Property Insurance Rates See Continued Increase, Though Pace Slows

Commercial property insurance premiums continued their upward trend in the fourth quarter of 2024, although at a slightly slower pace compared to previous quarters, according to a Q4 Market Survey of the Council of Insurance Agents and...

Safe Cycling in May: Top Tips for National Bicycle Safety Month

May is National Bicycle Safety Month, a timely reminder to brush up on safe practices for cyclists and drivers alike. With over 1,015 bike fatalities in 2022, alone, and over 46,000 injuries according to the National Highway Traffic Safety

The Power of Recognition: Boosting Employee Engagement and Retention

Recognizing and rewarding employees for their contributions is a powerful tool for fostering a thriving workplace. Despite its importance, a Deloitte report highlights a concerning trend: nearly half (45%) of U.S. workers haven't been...

Optimizing Spring Wellness: Managing Seasonal Allergies

Spring's beauty can be a double-edged sword for allergy sufferers. The CDC reports that 25.7% of adults experience seasonal allergies, making them sneeze their way through blooming flowers and freshly cut grass. Add to that mold growth...

April: Phone Down, Heads Up. It's Distracted Driving Awareness Month

Every year, thousands of lives are tragically cut short because of drivers who take their eyes, hands, or minds off the road. Be honest, have you ever... Glanced at your phone while stuck in traffic? Fumbled with the radio to change a...

The Solar Eclipse is Around the Corner - How to Prepare

On Monday, April 8, 2024, a solar eclipse will be visible across a large part of the United States, from Texas to Maine. Leading up to and immediately following the eclipse, state officials anticipate record numbers of people flocking...

AI in Action: How it Will Make an Impact in 2024

Artificial intelligence (AI) garnered attention from every industry in 2023, revolutionizing how organizations operate and make decisions. From streamlining operations to enhancing workflows and customer experiences, AI's impact was...

Who's on Your Team? Unlocking the Mystery of Worker Classification

Building a great team is crucial for any business. But beyond finding the right talent, there's another key step: properly classifying your workers. This might sound technical, but it can actually save you time, money, and headaches...

Employee Wellness Programs: a Game-Changer for Recruitment & Retention

Workplace well-being transforms every day, and many organizations are focusing more on employees as individuals, not just resources. Research shows that happy, healthy employees take fewer sick days, perform better, and experience less...

Mitigating Flood Risk: Practical Strategies for Businesses

While floods sometimes signal their approach with subtle cues like rising tides, more often than not, floods happen without warning and surge through the surrounding areas. As the most common natural disaster in the US,...

The Basics of Property Insurance

Your livelihood is dependent on the survival of your business, so it is imperative that you protect it against any potential threat—large or small. For instance, a fire could destroy your business’s warehouse and the...

Deepfake Deceit: $25 Million Scam Targets Multinational Firm

At a briefing on Friday, Feb. 2, 2024, Hong Kong police revealed that a recent cyber incident involving deepfake technology resulted in a finance professional at a multinational firm being manipulated into wiring more than $25 million...

Talk Less, Say More: The Art of Clear, Concise, and Impactful Communication

Let's face it, clear communication is the golden thread weaving trust, satisfaction, and productivity into your company's fabric. Ignore it, and it can negatively impact engagement, efficiency and ultimately your bottom line. According to a

Formjacking: The Invisible Pickpockets of the Digital Age

Imagine filling out an online form, perhaps buying concert tickets or booking a hotel room. Everything seems normal, you click submit, and...bam! Your data, from credit card numbers to addresses, is taken by digital thieves operating...

Remote Work Reigns Supreme: How Employers Can Adapt

In a transformative shift in workplace dynamics, a recent FlexJobs survey revealed a groundbreaking trend: Remote work now takes precedence over salary for most employees. This challenges the longstanding assumption that financial...

2024 Cyber Insurance Market Outlook

Increasing cyber insurance claim frequency and severity have generated a volatile risk environment in recent years, with most policyholders facing continued premium hikes. Fortunately, the segment experienced underwriting profitability in

Attracting Top Talent: 8 Essential Hiring Strategies for 2024

The talent landscape is shifting. Labor shortages, looming retirements, and evolving skills are forcing businesses to rethink outdated hiring practices. As 2024 begins, the traditional hiring approaches are being reshaped by...

6 Trends Impacting Commercial Insurance Costs

Recent market developments have demonstrated signs of an improving commercial insurance landscape. Yet, industry experts asserted that ongoing headwinds facing certain lines of coverage will continue to generate hardened conditions...

How to Spot AI Voice Scams - Video

Artificial intelligence (AI) technology has surged in popularity and usage among businesses and individuals. Many users have found ways to streamline commercial operations and personal hobbies using these programs; however, criminals...

Essential Fire Prevention Strategies: 10 Tips for Your Small Business

Fires can be devastating for small businesses, causing property damage, loss of inventory, disruptions in operations, and even endangering the lives of customers and employees. However, many fires can be prevented through proactive...

Manufacturing Safety: Can You Afford a Workplace Injury?

Safety is important on the manufacturing floor, but do you realize just how costly a workplace injury can be? For business owners, injuries can cost hundreds of thousands of dollars, and even a single injury can have a significant...

Top 10 OSHA Workplace Standards for 2023

Employees want flexibility. Employers want them in the office. How can we bridge the gap?

Flexible working arrangements remain popular among employees, according to a survey by recruitment company Randstad. The survey found that more than half (54%) of white-collar workers consider job flexibility as or more important than...

Creating a Cyber Incident Response Plan

8 Tips for More Effective Meetings

If you want to get a snapshot of your organization’s effectiveness, take a look at your meetings. Are they efficient and productive? Do their results justify the time and expense? Are meetings an occasion for collaboration,...

The Risks of Running a Bakery: How to Stay Safe and Profitable

Running a bakery is a rewarding experience, but it's also a challenging one. Bakery owners must constantly deliver exceptional goods while maintaining profitability. This can be difficult, especially when considering the many risks...

Cyber Risk Management: A Four-Point Plan to Protect Your Business

In the digital age, cyber risk is a constant threat to businesses of all sizes. A data breach can have devastating consequences, from financial loss to reputational damage. That's why it's essential for businesses to have a strong...

The Experience Mod: What it is and how it can lower your premium

The Experience Mod Explained Workers’ compensation insurance is a crucial component in protecting employees if a work-related injury or illness happens on the job. It provides injured workers with medical benefits, wage...

Creative Ways to Motivate Your Employees

The common thread that runs through all small businesses, from professional services to manufacturing, is that a motivated workforce is central to the business’s success. Here are some quick, inexpensive, and potentially...

Hiring a New Employee? Why Safety Orientations Are Important.

According to recent research, 40% of occupational injuries occur among workers who have been in their roles for less than one year. With this in mind, businesses can’t afford to ignore the importance of safety orientations in...

Maui Wildfires Likely to Cause Second-largest Insured Loss in State History

Wildfires burning since Aug. 8 on Hawaii’s Maui Island will likely result in the second-largest insured loss in the state’s history, according to a brief from catastrophe modeling firm Karen Clark & Company (KCC).  ...

The Link Between Health and Happiness

Happiness is a journey, not a destination. It's something we experience every day, in the small moments of joy and connection. But happiness is also more than just a feeling. It's a state of being that's deeply connected to our...

Six Trends Affecting Worker’s Compensation Insurance

Workers' compensation coverage is essential for protecting injured employees and helping them get back to work as quickly as possible. But it's also important for employers to stay up-to-date on the latest trends in workers' compensation in

Employee Referral Programs: A Winning Strategy for Small Businesses

In a competitive job market, small businesses need to find creative ways to attract and hire top talent. One strategy that is becoming increasingly popular is employee referral programs. What is an employee referral program? An...

Tips on Safety for Food Delivery Drivers

Mentorship: One Secret to Employee Retention

Employees are more likely to leave their jobs if they feel like they are not learning and growing. Companies that invest in employee development can boost productivity, innovation, and employee satisfaction. Mentorship programs are a...

Crime insurance: Protect your business from fraud and theft

While you may think your business would never be the victim of theft, the harsh reality is that nearly every business can become a victim. These days, thieves (including your employees) do not need direct access to cash to steal from...

Report Shows: for a Majority of Employers, Hybrid Work is Here to Stay

A recent survey from employment and labor firm Littler shows that most (71%) employers currently have hybrid work arrangements. Just 16% of surveyed organizations required in-person work. Despite the shift toward remote and hybrid work...

Employees Want Time To Volunteer? Here's How to Do It.

Volunteering is a great way for employees to give back to their community and make a difference in the lives of others. It can also be a great way for employees to bond with each other and build relationships. If you're thinking about...

June is National Safety Month: Here's What You Can Do

 June is National Safety Month. This month highlights efforts that can prevent injuries and death inside and outside the workplace, helps provide learning opportunities for employees, allows employers to share their commitment to a safe...

The Impact of Climate Change on Businessess

Climate change is one of the most pressing issues facing the world today. It is already having a significant impact on businesses, and the effects are only going to get worse in the future.Here are some of the ways that climate change...

Preventing Data Theft from a Departing Employee

When employees leave a company, there is a heightened risk of data theft, which is also known as data leakage or exfiltration.This risk is present whether an employee’s departure is voluntary or not.The consequences of data theft...

Understanding Contractor Scams and How to Avoid Them

The aftermath of a natural disaster, including catastrophic weather events, can be stressful and overwhelming. Amid the clutter, rubble and flood waters that severe storms may leave behind, fraudulent contractors may be among the...

Own a Brewery? Some Tips on Insurance and Risk Mitigation

While breweries are a popular business venture, they can also be risky. From natural disasters to equipment failures to employee accidents, there are things that can go wrong. With that in mind, it's important for breweries to have a...

Earth Day Every Day: 7 Ways to Celebrate Our Planet

Since the first Earth Day in 1970, people from all over the world have come together on April 22nd to celebrate our planet and to commit to protecting it for future generations. Today, Earth Day is celebrated by people in over 190...

6 Tips for Maintaining Balance in the Workplace

Almost everyone understands what it means to hustle. It’s been a part of work culture since the early 19th century, when the word was first used to mean gumption or hard work. In today’s workplace, it often refers to the...

April is Distracted Driving Awareness Month

Distracted driving can be dangerous and even deadly. According to the National Highway Traffic Safety Administration, more than 2,800 people are killed and 400,000 are injured in crashes involving a distracted driver each...

3 Trends Driving Up Commercial Auto Insurance Rates

The commercial auto insurance market has dealt with major underwriting losses and diminished profitability for more than a decade. While difficult market conditions continue, rate increases have remained in the single digits, unlike...

Case Study: Key Takeaways from $250K OSHA Citation

Violations of workplace health and safety standards and the resulting OSHA citations can impact organizations of all sizes and sectors. In addition to highlighting unaddressed safety hazards, these citations often carry a number...

One Proactive Employee Retention Strategy: Stay Interviews

Employers are always looking for ways to retain their most valuable employees, and it's often difficult to pinpoint why some of them end up jumping ship. Instead of waiting until things get to this point, there's a more proactive...

7 Cybersecurity Tips for Small Businesses

According to the Identity Theft Resource Center’s 2022 Business Impact Report, nearly 45% of small businesses and self-employed individuals experienced a security or data breach between July 2021 and July 2022...

The BBS Method and What it Can Do for Workplace Safety

It’s critical for safety to be at the forefront of any organization, regardless of size or industry. Adopting a behavior-based safety (BBS) approach can help organizations promote a solid safety culture and drive down occupational injury ra

6 Cost-cutting Tips for Small Businesses

In response to the current economic downturn and ongoing labor challenges, many businesses are looking for ways to reduce expenses and save money. Successful organizations tend to optimize their resources by identifying areas where...

Small Business Guide to Managing Risks

An important part of running a small business is planning for any bumps in the road along the way. A risk management plan can help mitigate or prevent loss that allow you to identify, assess and manage risks. Businesses also need to...

ChatGPT and It's Potential Impact on Businesses of All Sizes

The AI chatbot, ChatGPT, has gotten attention recently for its ability to produce human-like, conversational text and communication based on user inputs. Since the technology is readily accessible—you need nothing more than a...

U.S. Bureau of Labor Statistics Releases Census of Fatal Occupational Injuries Data

The U.S. Bureau of Labor Statistics (BLS) released its most recent national census of fatal occupational injuries. The census discusses key findings related to fatal occupational injuries that occurred in 2021. As a whole, fatal...

4 HR Trends to Watch in 2023

Just as HR professionals quickly adapted to changes at the height of the pandemic, they must now adapt and respond to today’s evolving expectations of organizations and employees alike.

Cybercrimes Against Small Businesses Drop, but Challenges Remain

In the last 12 months, small businesses and those who are self-employed saw fewer cyberattacks and data breaches although significant risks remain, according to the Identity Theft Resource Center’s (ITRC) 2022 Business...

Don't Forget: January is National Blood Donor Month

National Blood Donor Month is celebrated every January and this year's observance comes as the nation's blood supply has dropped to concerning levels and could delay essential blood and platelet transfusions. Blood donors of all blood...

Small Business Strategies for Retaining Employees in 2023

Employers of all sizes are currently facing attraction and retention challenges which will likely continue through 2023. Efforts to win over employees often come with a significant time commitment and price tag; unfortunately, many...

5 Ways to Support Employee Mental Health

As the hybrid schedule is becoming the new normal, workers face a new set of challenges. Managers can play an important role in helping employees manage their stress levels but must also be able to gauge the pulse of their team to...

HR Insights: 5 Holiday Party Best Practices

Workplace-sponsored holiday parties present a host of liabilities for organizations each year. Factors like choice of venue andemployees’ religious affiliations can create friction even before alcohol is thrown into the mix....

Playing it Safe: Safety Meeting Tips for Trainers

A safety manager's key role is to promote a safety-minded culture while maintaining costs. By alerting employees to workplace hazards, “toolbox” safety meetings are worth your time. To get the most out of your safety...

Planning a Merger or Acquisition? How to Cover Your Cyber Security Bases

A merger or acquisition can be a challenge from an IT standpoint because it involves integration of systems that previously existed on their own. Cyber security is often put on the back burner, which is unfortunate, because this...

Commercial Excess Liability & Umbrella Insurance Policies: What's the Difference?

Excess liability and umbrella insurance have often been thought of as interchangeable, but they are not the same. One common factor is they are secondary policies that attach after primary insurance policy limits—such as general...

Preventing Repetitive Motion Injuries

Preventing Repetitive Motion Injuries While repetitive motion injuries (RMIs) are common among athletes, these injuries can occur in the workplace. Also known as repetitive stress injuries or cumulative trauma disorders, RMIs...

Everything You Need to Know About Commercial Auto Insurance

If your vehicle is involved in a business-related incident, your personal policy may not cover it. Read on to learn more about commercial vehicle insurance!

The Sneaky Phishing Scheme that's harder to detect & potentially more damaging

Business Email Compromise (BEC) is a cyberattack where the victim receives an email that appears to come from a trusted business or individual and generally contains a phishing link, a malicious attachment, request for sensitive...

Maintaining a Strong Company Culture in the New Era of Work

Effectively maintaining your company culture with a largely remote workforce goes beyond creating policies and adjusting business practices. The actions and behaviors of employees will continue to define the culture regardless of where...

A Beginner’s Guide to Professional Liability Insurance

Are you a professional who provides services to other people?  Professional liability insurance , also known as Errors & Omissions insurance, is something all professionals should carry. Contrary to popular belief, professional...

Dangers on the Manufacturing Floor - Tips to Stay Safe

Although easily preventable, OSHA reports that slips, trips and falls account for the majority of workplace injuries in the United States. There are many ways in which you can protect yourself and your co-workers against slips,...

6 Ways to Minimize Business Interruptions

Business interruptions can occur after an anticipated or unanticipated event that delays or disrupts a business’s normal operations. Natural disasters, fires, cyberattacks or the loss of a critical supplier can halt operations...

THE IMPACT OF INFLATION ON THE COMMERCIAL INSURANCE MARKET & WHAT YOU CAN DO

Over the past year, inflation has become a growing concern. Inflation issues have largely resulted from a culmination of labor and supply trends brought on by the COVID-19 pandemic, and they are clearly reflected within the...

All You Need to Know About Insurance Plans for Commercial Properties and Apartment Buildings

Learn how to choose the best type of commercial and apartment building insurance policy. Contact DiNicola Insurance Services for more information.

The Experience Mod: What Story Does it Tell?

For many employers, workers’ compensation insurance is all about one number—the premium quoted. Understandably, employers want to pay the lowest amount possible on this mandatory coverage. The amount you pay for workers'...

Rethinking Remote Work Perks

The stigma around working from home has mostly been lifted as the COVID-19 pandemic abruptly shifted many employees into a remote work setting. Many organizations are expecting and planning more remote work for the foreseeable future....

Nuclear verdicts and the rising cost of insurance claims

In 2017, an 18-year-old college student was killed after being struck at a high rate of speed by a commercial vehicle. The victim was sitting in stand-still traffic at the time. The commercial vehicle's driver was on his 25th hour...

Six Productivity Tips for Hybrid Employees

The hybrid work model continues to evolve—and is a significant departure from the traditional 9-5 workweek. McKinsey recently reported that 92 million (58%) Americans have the opportunity to work from home part-time. Although...

5 Types of Insurance Every Restaurant Should Have

As a business owner, it is always essential to make sure you minimize your risks. However, sometimes businesses can get adversely influenced by things out of their control. To ensure that your losses are covered in such unfortunate,...

Have a Fleet of Vehicles? Here's How to Cut Fuel Costs.

Improving the fuel efficiency of a company’s fleet of vehicles can have many financial and environmental benefits, especially with today's fuel prices. As one of the largest and most difficult expenses to predict and control,...

Preventing Road Rage While Driving Company Vehicles

While driving, you may become frustrated or upset on the road for a number of reasons. For instance, being cut off by another driver, seeing a nearby motorist disobey road signage or getting stuck in a traffic jam may prompt these...

How Can Workers’ Compensation Insurance Benefit Your Business?

If you’re unsure about what workers’ compensation insurance is and whether you need to purchase a policy, keep reading! This article details everything you need to know about workers’ compensation and how it can...

How to Optimize Workplace Safety Programs Regardless of the Industry

Safety and security can boost your employees' morale and increase productivity for your business. One common misconception is that workplace safety is only for industrial plants and manufacturing companies. But federal and local...

What Types Of Insurance Do Construction Companies Need?

There are a lot of things that go into running a construction company. You have to worry about the safety of your workers, the quality of your materials, and making sure you finish on time and within budget. And one of the biggest...

GOOD HEALTH IS GOOD BUSINESS

According to the Centers for Disease Control and Prevention, productivity losses linked to employees not showing up to work due to five risk factors— diabetes, smoking, high blood pressure, physical inactivity, and obesity—...

What Kind of Liability Insurance Should My Nightclub Have?

Many people dream of opening a nightclub. They imagine hanging out with people every night of the week while watching the profits drip in. But unless you have the right insurance, your dream can quickly become a nightmare.Insurance...

Top 10 Small Business Property & Liability Claims. Are You Covered?

Four out of 10 small businesses are likely to experience a property or general liability claim in the next 10 years, according to an analysis of The Hartford’s small business claims. The top 10 most common claims are:

Hybrid Workplace Challenges

As organizations assess long-term work arrangements in the wake of the COVID-19 pandemic, they must also consider the challenges of implementing hybrid workplace models. Put simply, a hybrid workplace model is a flexible model that...

Tips for Keeping Customers Safe in Outdoor Dining Space

Outdoor dining quickly emerged as a way to keep restaurants operational during the COVID-19 pandemic. Due to the increasing popularity of eating outdoors and lingering pandemic concerns, many restaurants will continue offering outdoor...

Business Email Compromise Losses Increase 58%

Business email compromise (BEC) losses are among the most expensive types of social engineering losses, and they are on the rise—increasing 58% from 2015 to 2019, according to Advisen loss data. The median cost of a BEC loss is...

October is National Cybersecurity Awareness Month - Are You Covered?

Cybersecurity threats change year after year as technology continues to advance. With that in mind, it's critical for organizations to revisit their data protection practices at least once a year. Here's some steps to take to protect...

Uptick in ADA Litigation

With the courts re-opening, we are starting to see a serious increase in Americans with Disabilities Act (ADA) lawsuits. The latest trend we have seen is an increase in is “drive by” lawsuits where the plaintiff or their...

Is the Remote Workplace Here to Stay?

As the pandemic shifts, organizations may be planning a combination of remote and on-site working. Recently, PwC’s remote work survey revealed that employers and employees want to approach the post-pandemic workplace with more...

WHEN DOES YOUR PERSONAL CAR BECOME A COMMERCIAL VEHICLE?

For small business owners, the line between the personal and their business can be a bit hazy at times. Yet, when it comes to a vehicle that may be used for personal and business-related reasons, it’s important to know how your...

Checklist: Commercial Property Fire Prevention

Owners and managers of commercial and business facilities have an obligation to maintain safe conditions for employees and occupants. Most commercial and residential fires result from negligent cooking, improperly discarded smoking...

10 Cyber Security Resolutions to Reduce Your Data Exposures

Cyber security threats and trends can change year over year as technology continues to advance at alarming speeds. As such, it’s critical for organizations to reassess their data protection practices at the start of each new year...

Protecting Workers from Coronavirus

As concerns about the COVID-19 continue to rise, many employers are left to wondering what they can do to protect their workforce. This Risk Insights will examine what coronavirus is, how it spreads, and what employers can do to...

COVID-19: Resources for Employers

It’s impossible to know exactly how long the COVID-19 crisis will last. With businesses all over the world in quarantine, for many, the financial future is a big question mark. While it is important to focus on what you can do to...

COVID-19 Update: OSHA Guidance – A Must Read for Employers

Coronavirus Disease 2019 (COVID-19) is a respiratory disease caused by the SARS-CoV-2 virus. It has spread from China to many other countries around the world, including the United States. Depending on the severity of COVID-19’s...

Cyber Security for Small Businesses

High-profile cyber attacks on companies such as Target and Sears have raised awareness of the growing threat of cyber crime. Recent surveys conducted by the Small BusinessAuthority, Symantec, Kaspersky Lab and the National...

Take Steps to a Healthier You

According to the U.S. Surgeon General, most Americans should log 10,000 steps per day to reduce the risk of disease and help lead a healthy, productive life. Consider using a pedometer, a device used to track how many steps you take....

Uber Refusing to Label Drivers as Employees

Facing the most serious threat yet to its business model, Uber Technologies Inc. is dusting off a legal argument it has employed with mixed results: that it’s a technology platform, not a transportation company. Now, as a new...

California's New Era of Privacy

The California Consumer Privacy Act (CCPA) is the first comprehensive data privacy law in the United States. Beginning Jan. 1, 2020, the CCPA generally grants consumers the right to: Know what personal information is being collected...

Insured Losses from Last Year's California Wildfires

California Insurance Commissioner Ricardo Lara on Monday announced that more than $11.4 billion in insured losses have been reported from the November 2018 fires. That is a 25 percent increase, or more than $2.3 billion, from losses...

Classifying Workers: Employee or Contractor?

Whether a worker is covered by a particular law or is entitled to receive a particular benefit often depends on whether the worker is an employee or an independent contractor. In general, employment laws, labor laws and related tax...

California ‘Gig’ Worker Law Affects Employers Inside and Outside the State

A California law that makes it harder for companies to treat workers as independent contractors takes effect next week, forcing small businesses in and outside the state to rethink their staffing. The law puts tough restrictions on who...