Understanding Home Renovation Risks
Whether you’re building a new home addition, adding a feature like a swimming pool, redoing a bathroom or upgrading an electrical system, understanding and addressing possible renovation risks is critical.
Understanding Your School Property Schedule
Your property schedule is one of the most important—and often overlooked—documents in your insurance program. While it may look like a simple list of buildings, values, and locations, this schedule plays a critical role in how your coverage responds when a loss occurs.
First Light Program Managers Joins INSURICA in Historic Acquisition
OKLAHOMA CITY, Okla. – INSURICA Insurance Services, LLC announced today that it has completed the acquisition of all outstanding equity of Florida-based First Light Program Managers, LLC, effective January 1, 2026. This marks the largest acquisition in the company’s history.
Commercial General Liability Insurance
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.
Employee Benefits Compliance Updates for 2026
As 2025 closes, several pressing compliance issues will shape your responsibilities in 2026. Updated PCORI fees, Affordable Care Act (ACA) reporting obligations, state-level mandates, and new federal requirements such as gag clause attestations are all on the horizon.
Managing Risk Around School Construction & Renovation Projects
School construction and renovation projects are essential for maintaining safe, functional, and modern learning environments. Whether a district is expanding due to enrollment growth, upgrading aging facilities, or making safety improvements, construction activity introduces a level of risk that goes well beyond the worksite itself. When projects occur on active campuses, those risks extend to students, staff, contractors, and district operations.
Health & Welfare Benefits Year End Roundup: 2025 Regulatory Highlights
As 2025 draws to a close, employers and benefits professionals face a shifting regulatory landscape that will shape health and welfare programs in 2026 and beyond. This year’s developments underscore the government’s dual priorities: expanding access, modernizing benefit delivery, and balancing compliance with practical flexibility. Below is a roundup of the most significant regulatory highlights.
Winter Weather Preparedness: Keeping School Operations Safe and Moving
Winter weather events are becoming less predictable, even in regions that don’t traditionally experience prolonged cold, ice, or snow. Sudden freezes, icy roadways, power disruptions, and rapidly changing forecasts can create significant challenges for school districts — often with little time to respond.
Supporting Employee Mental Health During Challenging or Traumatic Times
During challenging times or traumatic events, organizations can do a lot to support employees. NAMI encourages people to bring their whole selves to work, which includes their mental health. As employers, it’s important to acknowledge what’s happening outside of the workplace, its potential impact on employee wellness, and support employees so that they can continue to do their best work.
Eliminate Radon Dangers
Radon is a naturally occurring radioactive gas produced by the breakdown of uranium in soil, rocks and water. Since the air pressure in a typical home is lower than the pressure in the soil around the foundation, the home acts like a vacuum and draws radon in through cracks in the foundation.