The nonprofit sector has been contending with a complex risk landscape for several years, largely fueled by economic uncertainty, funding pressures and rising demand for community outreach. Amid these challenges, nonprofit organizations are facing significant operational and financial strains, making it harder to accomplish their missions and serve those in need. In the commercial insurance…
Several scenarios that businesses encounter in routine operations may expose them to litigation and general liability claims. A customer walking through a business could slip on a wet floor, or a piece of equipment could fall and damage a customer’s personal belongings. These and other incidents may lead to liability claims, disrupting operations and placing…
Health care organizations enter 2026 facing numerous operational, financial and liability pressures, including labor shortages, inflation, supply chain volatility and the impact of U.S. tariffs on pharmaceutical imports. Although the commercial insurance market has generally softened, several segments remain affected by persistent loss severity and loss control challenges. In particular, social inflation and large liability…
Retailers continue to operate amid a dynamic risk landscape. Loss drivers are increasingly severity-driven and include organized crime rings, cargo theft, ransomware incidents and catastrophe-driven business interruptions. Although the commercial market as a whole has seen softening conditions, specific segments (e.g., casualty and umbrella/excess) remain firm. As such, retailers with higher physical crime exposure, hazardous…
Unforeseen incidents can occur in everyday business operations, exposing organizations to potential liability. A customer may slip on a wet floor, or a contractor may accidentally damage a client’s property. Just one general liability claim can disrupt business operations, create financial strain and affect future insurance costs. The financial and organizational impacts of these incidents…
Although rising production demands and government funding have fueled widespread expansion and economic growth across the manufacturing industry in recent years, the sector is now facing a complex risk landscape. Between rapid digital transformation, evolving geopolitical forces and shifting labor demographics, the sector is contending with significant uncertainty. In the commercial insurance market, well-managed manufacturing…
Workplace learning is entering a new era shaped by slowed hiring, shifting employee expectations and rapid advancements in artificial intelligence (AI). For employers, this creates a unique challenge: how to build a future‑ready workforce with the talent they already have while ensuring development approaches remain human-centered, flexible and aligned with real career motivations. 1. The…
Super Bowl week is one of the biggest social events of the year, with gatherings across the United States on February 8, 2026. Many celebrations include alcohol, which makes planning for safe transportation essential. The National Highway Traffic Safety Administration conducts a Fans Don’t Let Fans Drive Drunk event during the week leading up to…
Cold weather does more than make working conditions uncomfortable; it can also lead to fatigue and reduced alertness and responsiveness in employees, increasing the risk of injury. Risks of Working in Cold Weather Cold weather can impact employee performance by causing fatigue, inattentiveness and reduced responsiveness, potentially resulting in the following: Slower reaction times—Cold external…
Burnout has become a defining challenge in today’s workplace. Employees across industries report feeling exhausted, disconnected and undervalued. These conditions not only harm individual well-being but also impact organizational performance. While burnout is multifaceted, fostering a sense of purpose at work can be the key to overcoming it. Overview of Burnout Among Workers Recent data…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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