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…

8 Employee Engagement Mistakes to Avoid in 2025

Employee engagement refers to an employee’s emotional connection and commitment to their organization and its goals. It’s often reflected in their loyalty, motivation and willingness to advocate for the organization. Engagement is a critical factor in driving retention and productivity. According to a report from Gallup published in early 2025, the percentage of engaged employees…

Why Small Businesses Need an Annual Insurance Checkup

Annual insurance reviews are a critical practice for small businesses. They can help reduce insurance costs while ensuring coverage keeps pace with the company’s evolving needs. Skipping this review can result in coverage gaps, leaving new business services, equipment or locations underinsured—or worse, completely uninsured. When done with the help of an insurance professional, an…

Market Outlook – Commercial Property Insurance

The commercial property insurance segment has been grappling with limited underwriting profitability and hardening conditions for much of the past decade, mainly due to surging catastrophe (CAT) losses, inflation issues and property valuation challenges. As such, ongoing premium jumps and restrictive coverage terms have become the norm for most policyholders. According to industry data, average…