Skip to main content
All Posts By

Jessi Cole-Jackson

Jun 25

2026 Mid-year Market Update

By Business Insurance, Employee Benefits, Kapnick News
Welcome to Kapnick’s 2026 Mid-year Market Update, where we highlight key business insurance and employee benefit trends, their challenges, and how proactive organizations can find opportunities to adapt and thrive.Continue reading below to learn about overall trends, request the full mid-year report, or watch the short video:BUSINESS INSURANCEThe first half of 2026 saw property lines softening, while casualty lines remain tight due to rising litigation-driven claims costs.We're especially seeing business insurance be impacted by:AI and Technological AdvancementsSevere WeatherGeopolitical TensionsEMPLOYEE BENEFITSThe first half of 2026 has been defined by rising healthcare and pharmacy costs, growing demand for personalized benefits, and the…
Read More
Jun 10

Why a Strong COI Review Process Protects Your Roofing Business

By Business Insurance
Why a Strong COI Review Process Protects Your Roofing Business Hiring subcontractors helps you finish roofing projects on time and on budget. But every crew you bring on adds new liability to your jobsite. A solid COI review process gives you confidence that everyone working under your name carries proper coverage. Without it, one uninsured accident could fall squarely on your shoulders. This guide walks you through what certificates of insurance are, why reviewing them matters, and how ongoing tracking shields your business. You will learn the common risks of outdated documents and the practical steps to stay protected. Let's…
Read More
Jun 10

Understanding Surety Bond Basics to Protect Your Business

By Business Insurance
Understanding Surety Bond Basics to Protect Your Business Growing a successful business requires taking calculated risks. You work hard every day to build trust with your clients and partners. Sometimes, lucrative contracts require a clear financial guarantee to prove your reliability. This is where understanding surety bond basics becomes essential for your organization. By grasping these core concepts, you protect your bottom line and open doors to exciting new opportunities. Financial guarantees do not have to feel complicated or overwhelming. When you know how they work, you can confidently bid on larger projects. Let us break down exactly what you…
Read More
Jun 10

Why an EMR Review Process Helps You Win Bids and Save Money

By Business Insurance
Why an EMR Review Process Helps You Win Bids and Save Money Running a successful business means watching every dollar and every opportunity. Your experience modification rate, or EMR, quietly influences both. This single number affects your workers' compensation premiums and the jobs you can bid on. By following a strong EMR review process, you can lower your costs and unlock new contracts. Many business owners overlook their EMR until it costs them a project. A high rate can price you out of competitive bids. A low rate, however, signals strength and saves you real money. Let's explore how your…
Read More
Jun 04

Geopolitical Tensions Reshaping Business Insurance and Risk Strategy

By Business Insurance
Geopolitical tensions have moved from background noise to front-and-center business risk. Today, geopolitical tensions impact risk in ways that ripple across entire operations. Sanctions, trade restrictions, regional conflicts, and political instability are no longer rare disruptions — they are recurring pressures that affect how goods move, how suppliers operate, and how companies plan. For decision-makers in manufacturing, technology, logistics, and other globally exposed industries, geopolitical supply chain risk is now a core operational concern. The question is no longer whether disruption will happen. It is whether your business is prepared when it does — and whether your insurance program reflects…
Read More
May 29

Simplify Your Multifamily Claims Process

By Business Insurance
Simplify Your Multifamily Claims Process Managing a multifamily housing property brings unexpected challenges. A pipe bursts in a top-floor unit, a severe storm damages multiple roofs, or a fire displaces dozens of tenants. When disaster strikes, your immediate priority is the safety of your residents and the rapid restoration of your building. During these stressful moments, you need your insurance coverage to respond flawlessly. Unfortunately, many property owners find themselves battling their insurance carriers for fair compensation instead of focusing on recovery. Partnering with a dedicated team of specialists completely transforms your multifamily claims process. Working with experts who understand…
Read More
May 29

Lower Costs With Onsite Risk Management

By Business Insurance
Lower Costs With Onsite Risk Management Business leaders frequently watch their commercial insurance premiums rise year after year, feeling as though they have little control over the financial outcome. You pay for coverage hoping you never need it, yet even minor incidents can trigger complex claims and drive your costs even higher. Fortunately, you do not have to sit back and accept these premium increases as a standard cost of doing business. Implementing robust onsite risk management changes the dynamic completely. By taking a highly proactive approach to workplace safety, you can identify hidden hazards and build practical protocols that…
Read More
May 29

Lower Your Insurance Broker Costs Now

By Business Insurance
Lower Insurance Broker Costs in a Changing Market The commercial insurance landscape undergoes constant shifts, and recent market adjustments have created new opportunities for businesses to save money. Rates in many sectors are stabilizing, and favorable conditions are emerging for well-managed risk portfolios. However, many business leaders are looking at their recent renewals and wondering why their premiums remain stagnant or continue to climb. If you are not seeing a notable reduction in your insurance expenses, the issue might not be the market itself. Instead, it might be a sign that you are not partnered with the right broker. Understanding…
Read More
May 29

Streamlining Commercial Refinances for Smoother Closings

By Business Insurance
Streamlining Commercial Refinances for Smoother Closings Securing a new commercial property or refinancing an existing asset involves a massive amount of coordination. You have to manage appraisals, legal reviews, environmental reports, and financing approvals all at once. The last thing you need is a last-minute delay caused by an insurance compliance issue. Unfortunately, insurance often becomes an afterthought during the transaction timeline. This oversight can quickly derail a closing when lender requirements are misunderstood or missed entirely. For property owners and investors, streamlining commercial refinances requires a proactive approach, especially when it comes to navigating complex insurance guidelines. By partnering…
Read More