All Posts By

Jessi Cole-Jackson

Oct 02

Navigating Loan Restrictions and Liability Gaps: Insurance Challenges for Property Owners

By Business Insurance
For property owners, securing insurance has always been about managing risk. However, new challenges, including loan restrictions and liability gaps, are making it harder to obtain the coverage needed to satisfy loan requirements and protect assets. Two key trends are driving concern: stricter Fannie Mae and Freddie Mac insurance requirements and a surge in exclusions for abuse, assault, battery, and firearms.
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Oct 02

Halloween Safety and Personal Insurance: Tips to Protect Your Family and Home

By Personal Insurance
Halloween is a time for spooky fun, creative costumes, and gathering treats. While you're busy planning the perfect costume or stocking up on candy, it's also a good time to think about keeping everyone safe. A few simple precautions can prevent accidents and injuries. This guide covers essential tips for Halloween safety and personal insurance, helping you protect your family and home from unexpected frights. By understanding the risks, you can ensure your holiday remains a treat, not a trick.
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Aug 30

Your Teen Driver Had an Accident. Now What?

By Personal Insurance
The phone call every parent dreads is the one that starts with, "Mom, Dad... I've been in an accident." Even a minor incident can feel overwhelming, especially when it involves a new driver. For the family of a long-time client, this scenario became a reality when their teen driver hit a deer. The experience was unsettling, and they were immediately faced with a wave of questions and concerns. What do we do next? Will our rates go up? How does this process even work?
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Aug 30

8 Proven Employee Engagement Strategies

By Employee Benefits
An engaged workforce fuels company success, and implementing the right employee engagement strategies makes all the difference. When employees feel connected, productivity and loyalty rise. Yet, many organizations, especially those with dispersed teams, struggle to foster engagement. Disengaged employees can lower morale and negatively impact profitability. The High Cost of Disengagement Low engagement leads to poor motivation, reduced work quality, and higher turnover. The impact is real: companies that invest in effective employee engagement strategies often see income increase, while those with low engagement risk significant revenue drops. Prioritizing employee engagement is a smart business move. Actionable Employee Engagement Strategies:…
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Aug 30

Beyond the Bottom Line: How Brand Repair Coverage Protects Your Company’s Most Valuable Asset

By Business Insurance, Insurance
Learn why combining brand repair with traditional recall insurance is essential for business resilience. Product recalls can have far-reaching consequences, impacting more than just operational costs. Research shows that companies can lose up to 25% of their customer base after a significant recall. The challenge isn’t just removing defective products; it’s about rebuilding trust and confidence with customers. The Hidden Cost of Recall Events Recalls affect industries of all kinds, from automotive to food production. Even the most quality-focused companies can face unforeseen issues. Product recalls can have far-reaching consequences, impacting more than just operational costs. Research shows that companies…
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Aug 01

The Hidden Credit Score Impact on Your Auto and Home Insurance Rates

By Personal Insurance
When you shop for auto or home insurance, you probably expect insurance companies to check your driving record or look at the age of your roof. Those things definitely matter. However, there’s another important factor at play—your credit score. The credit score impact on your insurance premiums can be significant, yet many people don’t realize just how much their credit score can raise or lower what they pay. You might wonder: What does your credit card bill have to do with driving safely or taking care of your home? Actually, insurance companies connect credit history with the risk of filing…
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Aug 01

Alternative Funding Options: 4 Moves HR and Finance Can Make Now

By Employee Benefits
Healthcare costs keep climbing, putting immense pressure on company budgets. For HR and finance leaders at mid-market organizations, the traditional fully insured model often feels like a trap. It offers little control, limited transparency, and no relief from annual premium hikes. Worse, the constant cycle of renewal negotiations leaves you stuck—forced to either absorb unsustainable costs or shift the burden onto your employees. That’s why exploring healthcare cost control strategies is more critical than ever. Fortunately, you don’t have to stay in this reactive cycle. By taking a proactive, strategic approach to benefits funding, you can unlock significant savings, improve cash flow,…
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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…
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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…
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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…
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