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So far INSURICA has created 705 blog entries.

2026 Open Enrollment Checklist

By |2025-10-31T15:50:46+00:00October 31st, 2025|Blog, Employee Benefits, Trending|

To prepare for open enrollment, employers that sponsor health plans should be aware of compliance changes affecting the design and administration of their plans for plan years beginning on or after Jan. 1, 2026. These changes include limits adjusted for inflation each year, such as the Affordable Care Act’s (ACA) affordability percentage and cost-sharing limits for high deductible health plans (HDHPs). Employers should review their health plan’s design to confirm that it has been updated, as necessary, for these changes.

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Hot Dog Incident on Highway Emphasizes the Risks of Cargo Spills

By |2025-10-31T14:45:32+00:00October 30th, 2025|Blog, Risk Management, Transportation, Trending|

In August 2025, a tractor-trailer owned by a third-party freight carrier was transporting thousands of pounds of frozen hot dogs when it overturned and struck another vehicle on Interstate 83 while traveling through York County, Pennsylvania, resulting in the meat products spilling across the highway. According to local authorities, the incident occurred on a weekday morning during rush-hour traffic as the tractor-trailer was nearing an exit ramp. In this moment, the driver of the truck reportedly lost control due to an undisclosed mechanical problem, causing it to tip over, hit a nearby passenger vehicle and tear open the boxes of tightly packed hot dogs in the process.

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Fire and Security Safety for School Holiday Events

By |2025-10-31T14:44:17+00:00October 21st, 2025|Blog, Education|

Fire and security safety for school holiday events should be a top priority as schools prepare for winter concerts, class parties, and seasonal performances. While these events foster community and joy, they also bring increased fire and security risks due to decorations, after-hours gatherings, and higher foot traffic

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Wheelchair Safety for Passenger Vans

By |2025-10-31T14:49:01+00:00October 20th, 2025|Blog, Healthcare, Trending|

Passenger vans—which typically have an occupancy of between nine and 15 people—are used by many organizations to transport a wide range of passengers. Some of those passengers require the use of a wheelchair. Wheelchairs can either be stored as cargo when not in use or used as a seat during transport. There are many safety considerations and best practices to be aware of for those who are in charge of the loading, unloading and securement of wheelchairs and their occupants in passenger vans. These best practices are especially important when a passenger is using a wheelchair as a seat in the vehicle. As such, employees should be trained on working with different types of wheelchairs as seats in the vehicle, securing occupants in those seats and securing the wheelchair as cargo when it is not in use.

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Cybersecurity Tips for Online Shopping During the Holidays

By |2025-10-31T15:52:14+00:00October 19th, 2025|Blog, Personal Insurance|

During the holiday season, it's often easier to shop online to find gifts for your loved ones. But while online shopping can save you a trip to the store, it also comes with cybersecurity risks.

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Understanding and Preventing Fleet Fraud

By |2025-10-31T15:52:35+00:00October 18th, 2025|Blog, Risk Management, Transportation, Trending|

Fleet fraud refers to a host of deceptive activities that may occur amid the sale and operation of commercial vehicles and their individual assets (e.g., engine parts). Such fraud is a significant concern for any business that utilizes commercial vehicles, whether it’s a few small cars or a dozen tractor-trailers.

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OSHA Announces Top 10 Violations for 2025

By |2025-10-08T15:50:46+00:00October 8th, 2025|Blog, Risk Management, Trending|

OSHA recently revealed its top 10 most frequently cited standards in the 2025 fiscal year using preliminary data. This information is valuable for businesses of all kinds, as it helps them identify common exposures that affect their workforce and gives them the information they need to plan their compliance programs.

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Cyber Hygiene for Schools: Teaching Digital Safety to Students

By |2025-10-07T19:26:28+00:00October 7th, 2025|Blog, Education|

Cyber hygiene for schools is more important than ever in today’s digital learning environment. Teaching digital safety to students not only protects their personal information but also strengthens overall school cybersecurity. With increasing online access in classrooms, cyber hygiene for schools must become a routine part of curriculum planning and student behavior expectations.

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Balancing Benefits Costs with Talent Strategy in 2025

By |2025-10-06T16:21:01+00:00October 5th, 2025|Blog, Employee Benefits|

In today’s competitive labor market, benefits managers are walking a tightrope: controlling rising costs while delivering packages that attract and retain top talent. According to SHRM’s 2025 Employee Benefits Survey, this balancing act is now one of the most pressing challenges facing HR leaders.

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Supplemental Health Products Surge as Employees Seek Layered Coverage

By |2025-10-06T16:40:35+00:00October 4th, 2025|Blog, Employee Benefits|

In a year defined by rising healthcare costs and shifting employee expectations, supplemental health insurance products are experiencing a notable surge. According to LIMRA’s latest workplace benefits sales data, accident, critical illness, and hospital indemnity insurance sales rose 11% year-over-year through the third quarter of 2024. This growth reflects a broader trend: employees are increasingly seeking layered protection to fill gaps left by traditional health plans.

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