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So far INSURICA has created 743 blog entries.

Pharmacy Costs Are Surging Again — What Employers Can Actually Do in 2026

By |2026-07-01T19:15:16+00:00June 30th, 2026|Blog, Employee Benefits|

Pharmacy spending is once again the fastest growing component of employer health plans. Specialty drugs now account for more than half of total pharmacy spend, and GLP 1 medications for diabetes and weight management are reshaping budgets. Employers are feeling the pressure: rising premiums, unpredictable claims, and employee expectations for access to high cost therapies.

Addressing Blind Spots on Campus: Surveillance and Lighting

By |2026-07-01T19:14:17+00:00June 17th, 2026|Blog, Education, Risk Management|

Summer is one of the best opportunities schools have to reduce campus security gaps. With fewer people on site and more flexibility to schedule vendors, campus surveillance and lighting can be inspected and improved to correct blind spots before back-to-school traffic increases.

The Return-to-Office Reset: How Benefits Are Being Re-Engineered in 2026

By |2026-07-01T19:16:14+00:00June 16th, 2026|Blog, Employee Benefits|

After several years of experimentation, many employers are tightening hybrid schedules or requiring more in-office days. This “return-to-office reset” is reshaping benefits strategies as organizations look for ways to support commuting employees, improve onsite experience, and maintain flexibility. What began as a workplace policy shift is now driving a broader rethinking of how benefits can reinforce culture, productivity, and retention.

Commercial General Liability Insurance

By |2026-07-01T19:17:26+00:00June 15th, 2026|Blog, Risk Management, Trending|

Running a business comes with significant risk. Everyday interactions, such as serving customers, visiting clients or running marketing campaigns, can expose businesses to potential liability. A customer could slip on a wet floor, a contractor could accidentally damage a client’s property, or a marketing campaign could unintentionally harm the reputation of a competitor. Just one single liability incident can trigger an expensive lawsuit and have far-reaching consequences. Beyond potential settlement costs, legal defense costs—even if claims are found to be baseless—can quickly escalate into tens or hundreds of thousands of dollars. Furthermore, litigation can disrupt operations and undermine customer and stakeholder trust.

The Hidden Cost of Unused PTO: Why You Should Encourage Employees to Take Time Off

By |2026-07-01T19:19:05+00:00June 14th, 2026|Blog, Employee Benefits|

A troubling new study reveals that the majority of employees are not using all of their paid time off (PTO), costing them and their employers.

Self Funding for Small and Mid Sized Employers: Why 2026 Is the Breakout Year

By |2026-06-08T16:56:05+00:00June 6th, 2026|Blog, Employee Benefits|

Self funding is no longer just for large employers. In 2026, small and mid sized businesses are embracing level funded and partially self funded plans at record rates. Rising premiums, greater access to stop loss coverage, and improved data analytics are making self funding a viable option for groups as small as 25–50 employees.

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Cyber Case Study: Jaguar Land Rover Cyberattack

By |2026-06-01T14:35:02+00:00May 31st, 2026|Blog, Risk Management, Trending|

As the Iranian conflict continues to unfold, cyberattacks on businesses and infrastructure continue to escalate. On March 12, a cyberattack targeted medical technology company Stryker Corporation, reportedly wiping more than 200,000 devices worldwide and deleting 50 terabytes of corporate data.

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Mounting and Dismounting Forklifts

By |2026-06-01T14:39:55+00:00May 29th, 2026|Blog, Risk Management, Trending|

Forklifts play an important role in moving materials safely and efficiently in many workplaces. However, even a simple task like getting on or off a forklift can lead to serious injuries if not done correctly.

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Protecting Athletic Fields and Outdoor Facilities Over the Summer

By |2026-06-01T14:23:33+00:00May 21st, 2026|Blog, Education, Risk Management|

Summer is a key season for school athletic fields and outdoor facilities. With fewer activities, it’s a great time for repairs and preventive maintenance—but it can also increase exposure to weather damage, irrigation problems, vandalism, and unauthorized use.

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