All Posts By

Carter Meyer

Sep 21

Could You Trace a Contaminated Product in 24 Hours? What the Food Traceability Rule Demands

By Business Insurance
What the Food Traceability Rule Actually Requires The food traceability rule has moved traceability from a best practice to a documented requirement for a wide range of processors. Covered companies must maintain specific records around Critical Tracking Events. Those events span receiving, transformation, and shipping, and the records must be ready to produce quickly when regulators or customers ask. The compliance deadline gets most of the attention. The operational question underneath it matters just as much: if something goes wrong tomorrow, could your team actually answer in time? Most processors assume the answer is yes without ever putting it to…
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Sep 11

Technical Resources Drive Program Efficiency for Construction Firms

By Business Insurance
Running an efficient insurance program takes more than a competitive premium. It takes the right technical resources working behind the scenes: risk engineers, contract review specialists, claims advocates, and compliance experts who understand how construction operations actually work. Without that support, even a well-priced program can become inefficient. Slow claims resolutions, contract gaps, and compliance issues can surface at the worst possible time. Technical resources exist to close those gaps and protect program efficiency across the entire risk program. What Technical Resources Include For a construction firm, technical resources typically span several specialties. Risk engineers evaluate jobsite conditions, equipment use,…
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Sep 11

How Safety Support Programs Lower Cost for Construction Firms

By Business Insurance
Construction remains one of the most hazardous industries in the country, and every incident carries a cost far beyond the immediate injury. There are claims costs, experience modification impacts, project delays, and a harder-to-measure toll on crew morale. Safety support programs exist to get ahead of all of it. Rather than treating safety as a once-a-year training checkbox, a real safety support program embeds ongoing expertise into a contractor's operations. That shift is what ultimately drives lower cost. What Safety Support Programs Actually Look Like A strong safety support program goes well beyond a binder of policies. It typically includes…
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Sep 11

Alternative Funding Gives Contractors More Control Over Insurance Costs

By Business Insurance
Every construction executive knows the frustration of a guaranteed-cost insurance program. You pay a fixed premium every year. Your safety record improves and your claims stay low, yet your rate barely moves. Alternative funding changes that equation. Instead of handing premium dollars to a carrier and hoping for the best, alternative funding rewards performance directly. The firm itself gets real input into how claims and reserves are managed. For many contractors, the most practical entry point into alternative funding is a group captive program. A group captive pools a select group of well-run, safety-focused construction companies to share risk and…
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Aug 26

Caring for the Vulnerable, Protecting the Mission: Liability Risks Every HHS Non-Profit Should Understand

By Business Insurance
Health and human services non-profits serve people at their most vulnerable. That work is meaningful — but it carries liability risks most organizations never face. A single claim can threaten years of progress. Why HHS Non-Profits Face Elevated Risk Healthcare and social services rank among the most challenged classes of business in today's insurance market. HHS non-profits employ licensed professionals whose decisions directly affect health and safety, serve vulnerable populations, and face growing regulatory scrutiny. That combination means your liability exposure runs deeper than most. Professional Liability When counselors, social workers, psychologists, or allied health staff fall short of accepted…
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Aug 26

Nonprofit D&O Liability: Protecting the Leaders Behind Your Mission

By Business Insurance
The people who steer your nonprofit make tough calls every day — approving budgets, hiring staff, and safeguarding your mission. What many board members don't realize is that those decisions can carry personal legal risk. When a lawsuit names a director or officer, their own savings could be on the line. That's why nonprofit D&O liability coverage isn't just a policy — it's a safeguard for the people your mission depends on. In this guide, you'll learn where personal exposure comes from, how the right insurance responds, why now is a smart time to act, and how Kapnick can help.…
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Aug 26

Nonprofit Cyber Risk: How to Protect Your Organization From Data Breaches

By Business Insurance
Cybercriminals aren't only targeting big corporations — they're increasingly setting their sights on mission-driven organizations like yours. Nonprofit cyber risk is a growing threat because your donor payment details, client records, and employee data hold real value, while tight budgets often mean fewer defenses to protect them. A single breach can drain resources, erode donor trust, and derail the work you've fought hard to build.The good news? You don't need an enterprise-sized security team to stay protected. In this guide, you'll learn why nonprofits face elevated exposure, how cyber liability insurance responds when defenses fail, the practical steps that make…
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Aug 26

EPLI Coverage for HHS Organizations: Protecting the People Who Provide Care

By Business Insurance
Health and human services organizations run on people. Social workers, behavioral health counselors, care coordinators, and dedicated volunteers show up every day to serve vulnerable communities. But even the most mission-driven workplaces face employment disputes — and without the right EPLI coverage, a single claim of wrongful termination or discrimination can drain resources and derail the work that matters most. Why HHS Organizations Face Heightened Employment Risk — and Need EPLI Coverage Staffing shortages, high turnover, and limited HR infrastructure create conditions where employment issues can surface quickly. Add in burnout and the emotionally demanding nature of care work, and…
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Jun 10

Essential Fall Protection Safety: Preventing Workplace Ladder Injuries

By Business Insurance
Essential Fall Protection Safety: Preventing Workplace Ladder Injuries Every day, your team relies on you to provide a secure work environment. A single misstep on a ladder changes lives forever. Falls remain the leading cause of fatal workplace injuries. Furthermore, they account for countless severe non-fatal accidents. Protecting your workers requires more than just buying the right equipment. You must implement comprehensive fall protection safety protocols across your entire organization. Prioritizing safety protects the people who make your business successful. When you establish clear guidelines, you empower your team to work confidently. Let us examine practical ways to secure your…
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