Understanding Miscellaneous Professional Liability Insurance

Businesses delivering professional services face significant legal risks in today’s lawsuit-conscious environment. Consumers are increasingly holding companies accountable for the advice and expertise they provide, and even minor missteps in delivery can result in costly legal consequences. These risks are not limited to traditional professions like medicine or law; any business offering specialized knowledge or…

Vendor Email Compromise – A New Cyber Threat

Businesses increasingly rely on their vendor relationships for operational continuity and long-term growth. Yet, this trusted business-vendor relationship can be exploited by cybercriminals. Vendor email compromise (VEC), also known as supply chain compromise, is a rapidly growing email threat that can deceive even the most security-conscious employees. In VEC attacks, threat actors impersonate trusted business…

Managing the Risks of Outdoor Heaters

Outdoor heaters are portable heating appliances designed to provide thermal radiation to outside spaces, such as open-air patios or decks. Also known as patio or umbrella heaters, these appliances can be utilized at various types of businesses (e.g., bars, hotels, restaurants and entertainment venues) to help keep outdoor areas warm and extend their usability throughout…

The Benefits of Business Continuity Planning

Unexpected disasters can impact organizations, their operations and stakeholders. Natural catastrophes, cyberattacks, public health crises and supply chain incidents can all have serious consequences. These and other events can damage commercial property and digital assets, disrupt critical business functions and cause operational downtime. They can also result in illnesses or injuries, emotional harm, and financial…

9 Controls to Know for National Cybersecurity Month

October is National Cybersecurity Awareness Month. During this annual event, government and cybersecurity leaders and the insurance community come together to raise awareness about the importance of cybersecurity. Businesses must stay cybersecure to safeguard company data, protect customers’ personal information and ensure employee privacy. Here are 9 essential cybersecurity controls that organizations can implement to…

The Causes and Consequences of Underinsurance for Small Businesses

Many small business owners don’t realize they’re underinsured until it’s too late. The right coverage can be the difference between a temporary setback and a permanent shutdown. Robust insurance coverage is a cornerstone of effective risk management for small businesses. A single uninsured event—such as a fire, flood, cyberattack or critical equipment failure—can cause severe…

OBBBA Eliminates Taxes on Qualified Tips and Overtime Compensation

On July 4, 2025, President Donald Trump signed a tax and spending bill, commonly referred to as the One Big Beautiful Bill Act (OBBBA), into law. Among other provisions, the OBBBA would allow certain workers an above-the-line deduction for “qualified tips” and “qualified overtime compensation” for taxable years beginning after Dec. 31, 2024, and expiring…