When businesses purchase commercial insurance, they often focus on the coverage itself, the limits, the deductibles and the policy terms. However, many overlook the document that makes coverage possible in the first place, the insurance application. Far from a routine administrative form, the application is...

A commercial property loss can come without warning. Whether a fire breaks out overnight, a storm damages the roof or a pipe bursts and floods the building, the hours immediately following a loss have an outsized effect on the outcome of any insurance claim. Missteps...

Why Equipment Handed Over Voluntarily Can Result in a Denied Claim Picture this nightmare: A client checks out $150,000 worth of premium anamorphic lenses and camera equipment. Their paperwork is spotless. Their Certificate of Insurance (COI) is valid. Three days later, the return deadline passes. The...

An annual standardized wage increase is a uniform percentage or flat-dollar raise given to employees, often regardless of individual performance. These increases typically range from 2% to 4%, though this varies by industry, company size and economic climate. More employers are taking this “peanut butter”...

Project delays and cost overruns are common in the construction sector, as project delivery depends on many moving parts and can be disrupted by factors such as adverse weather, economic volatility, and shifting scope and design requirements. When projects are delayed or exceed their initial budget,...

Workplace injury is no longer just physical. Mental and psychological claims are rising rapidly—and for risk managers and PEO professionals, they represent a more complex, costly, and strategic exposure. This shift isn’t temporary. It’s redefining how workplace risk must be managed. Why Psychological Claims Are Increasing Several forces...

The past few years have seen a rapid expansion in artificial intelligence (AI), with many businesses leveraging this technology to automate workflows and administrative tasks, analyze vast amounts of corporate data, and enhance customer service offerings. However, as more businesses integrate AI-powered tools into their...

Can a Full Time, Exempt Professional Development Nurse Receive Overtime Pay While Working as an Hourly Staff Nurse? On May 28, 2026, the U.S. Department of Labor (DOL) issued Opinion Letter FLSA2026-5, addressing the overtime implications when an exempt employee under Section 13(a)(1) of the Fair...

For decades, the standard playbook for film and television production insurance was predictable. Underwriters looked at physical risks: What happens if a lead actor breaks an ankle? What if a camera crane topples into a lake? What if a freak storm destroys a multi-million-dollar outdoor...

The construction sector is facing a persistent skilled labor shortage, impacting its ability to deliver infrastructure, meet housing demand and pursue strategic growth. Rather than being driven by short-term changes in construction demand or project activity, the shortage reflects longer-term workforce and demographic pressures. Left...