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Short-term vs. long-term disability insurance

Disability insurance is designed to protect your income and standard of living if you’re unable to work due to an illness, injury or medical condition. There are two key options: short-term and long-term. Each provides income replacement for different lengths of time and for distinct types of health issues. Understanding how they compare can help you make the right choice for your situation.

Employee Benefits
Senior female small business owner giving a bag to customer at checkout in retail store

The basics of insuring your small retail business

While a comprehensive insurance package with multiple policies can be a good option for large retail operations, there are many reasons why a customized business owner’s policy, or BOP, may be a better fit for many local business owners.

Business Insurance
Happy man sitting at a windowsill with a golden retriever dog

Dog sitting and personal liability insurance

Dog sitting for a neighbor or friend may feel like a simple act of kindness. But, if the unexpected occurs – like a bite, property damage or an accident – you could be facing more than just a minor inconvenience; you could be looking at a liability claim.

Home & Auto
A cheerful multigenerational business team in the office celebrating a successful year with a joint hand stack

Strategies for managing a multigenerational workforce

How can you manage a multigenerational workforce effectively? Discover key methods to foster a harmonious and productive work environment across different age groups.

HR
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What happens to unused FSA funds? Strategies and tips for employers

Wondering what happens to unused FSA funds? Typically, any unspent money in a Health Flexible Spending Account (FSA) is forfeited at the end of the plan year. However, employers have options to help mitigate this, such as offering a grace period or carryover provision.

Employee Benefits
Two business professionals looking over contracts and business documents

Is my business a good candidate for captive insurance?

If you’ve ever wondered whether a captive insurance company could benefit your organization, you’re not alone. It’s a common question from businesses looking for more control over their insurance costs. While there’s no quick answer, this post outlines the process

Uncategorized
Man typing on laptop computer with digital representation of locked personal information and cyber security

How digital deception fuels cybercrime and fraud

Digital deception involves using technology to trick people into revealing sensitive information or making unauthorized transactions. This growing threat includes advanced tactics like deepfakes and phishing.

Business Insurance
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September 2025 HR Update

Learn more about the latest HR news from September 2025, including when Medicare Part D notices are due, the new order directed at federal agencies to expand 401(k) investment options, and how to prepare for 2026 open enrollment.

HR
Group of Millennial employees in a modern office brainstorming new ideas during a business team meeting

What benefits do Millennials want? What employers need to know

According to the U.S. Department of Labor, as of August 2024, Millennials are the largest generational share within the American workforce. As employers look to attract and retain their Millennial workers, it’s important to consider how the benefits that Millennials want may differ from the traditional benefits preferred by older generations.

Employee Benefits
First-time homebuyers moving into new house and receiving the house keys from real estate agent

Tips for navigating homeowners’ insurance as a first-time homebuyer

Buying your first home is a major milestone – and protecting that investment is just as important as finding the right property. One key step in the homebuying process is understanding how home insurance works. From what it covers to how much it costs, knowing the basics can help you make informed choices and avoid common pitfalls.

Home & Auto
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Funds transfer fraud vs social engineering: Protect your business

Funds transfer fraud and social engineering fraud are two common types of cybercrime that can impact businesses. Both types of fraud can be devastating for any company, but small businesses are particularly vulnerable since they may lack the resources to recover from significant financial losses incurred by an attack.

Business Insurance
Happy senior couple sitting at a table in their kitchen

Maximizing life insurance benefits with a cost of living rider

Worried about inflation eroding your life insurance benefits? A cost of living rider could help. Also known as a cost of living adjustment (COLA) rider, it’s an add-on to a life insurance policy that provides extra financial protection against inflation.

Individual Life & Health
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Using personality tests to maximize recruitment and hiring success

Wondering if a personality test for employment could improve your hiring process? These assessments can provide insights into candidate traits and potential workplace behaviors that support stronger hiring decisions.

HR
Blue background with "HR News Worth Review" written in white and dark blue text, offering insights from the June HR News.

August 2025 HR Update

Learn more about the latest HR news from August 2025, including new self-auditing programs, and how to stay compliant with DOL, ACA and paid leave.

HR
Happy female small business owner hanging an open sign on the storefront door

What is BOP insurance? Guide for business owners

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for small to medium-sized businesses. It typically includes general liability and property coverage to help protect businesses from common risks like property damage, liability claims and business interruption.

Business Insurance
Happy Latin American woman arriving at a doctor's office and talking to the receptionist - healthcare and medicine concepts

What is ICHRA? Guide to Individual Coverage HRAs

Employers today face increasing pressure to offer benefits that balance employee expectations and budget constraints. Health insurance remains one of the most significant components of a comprehensive benefits package, but it can be difficult to find the right solution. One option that’s gaining traction is the Individual Coverage Health Reimbursement Arrangement (ICHRA), a customizable solution that can offer flexibility while supporting cost predictability.

Employee Benefits
Exterior of a single-family home in a neighborhood cul-de-sac

What is dwelling coverage? Understanding your home insurance

Dwelling coverage is a fundamental component of a standard home insurance policy. It serves to protect your home’s structure (walls, roof and other integral parts of your home) against a variety of hazards, such as fire, theft and certain natural disasters.

Home & Auto
Retail clerk working at a grocery store restocking the produce aisle

Slip, trip and fall solutions for your grocery store

Slips, trips and falls are among the most frequent and costly incidents in the retail industry. These accidents cost U.S. businesses more than $60 billion per year, and the cost per claim is, on average, $20,000 to $50,000, excluding hidden costs like time, travel, business interruptions and more. But, slips, trips and falls are preventable with the right strategies.

Risk Management
Young businesswoman discussing work on a digital tablet with a female colleague at a table in the hallway of a modern office

What is ERISA insurance and why it matters

The Employee Retirement Income Security Act (ERISA) is a federal law designed to safeguard employee pension and health benefits. ERISA applies to an array of employee benefit plans, including employer-sponsored retirement plans, health insurance plans and welfare benefit plans, and mandates specific reporting and disclosure requirements.

Employee Benefits
Female professional giving a high five to her colleague while celebrating in office conference room

Maximizing impact with an employee ambassador program

An employee ambassador program empowers your team members to actively champion your company’s brand, values and culture. By leveraging the authentic voices of their workforce, organizations have the potential to enhance their reputation, boost employee engagement and even reduce reliance on traditional marketing or recruiting methods.

HR
Businessman using laptop computer with digital padlock representing authentication processes

Strategies for DoS attack prevention

Denial-of-Service (DoS) attacks pose a significant threat to businesses by disrupting their online services, which could result in downtime, financial losses and reputational damage. These cyberattacks can be simple or complex, with Distributed Denial-of-Service (DDoS) attacks involving multiple systems targeting a single resource, which can make them more difficult to manage.

Business Insurance, Risk Management
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Home warranty vs. home insurance: Key differences and coverage

Whether you’re considering a home warranty, shopping for homeowners’ insurance or both, it’s important to understand what each one covers and where there may be gaps. The primary difference between a home warranty and homeowners’ insurance is that a home warranty covers repairs to home systems and appliances, while home insurance protects against property damage and liability.

Home & Auto
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July 2025 HR Update

Learn more about the latest HR news from July 2025, including how The One Big Beautiful Bill Act could impact you.

HR
A group of three construction workers at a project site wearing hard hats, safety glasses and reflective clothing, conversing while recovering from heat exposure

Preventing heat-related illnesses on construction sites

The sun can be brutal during the dog days of summer, and those working on construction sites and roadwork projects get direct exposure. This can leave them vulnerable to heat exhaustion or heat stroke, but there are steps that can be taken to protect your employees from heat-related illness.

Risk Management