All Posts By

Jessi Cole-Jackson

Feb 04

What the Newest Set of ERISA Lawsuits Could Mean for Your Organization

By Employee Benefits, Legislative Updates
On December 23, 2025, Schlichter Bogard LLC filed its first healthcare ERISA cases against United Airlines, Labcorp, CHS, and Universal Services over voluntary benefits. This is the same firm with three unanimous Supreme Court victories, over $750 million in settlements, and an estimated $2.8 billion annual reduction in 401(k) fees. Each case generally alleges that the employers and their benefits brokers breached their ERISA fiduciary duties and caused the participants to pay excessive premiums due to failures in: engaging in a prudent process when selecting insurance offerings; monitoring the commissions received by the benefits brokers; and monitoring the loss ratios on…
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Feb 01

5 Scenarios Where Umbrella Insurance Can Save You

By Personal Insurance
You work hard to protect your assets with insurance. But what if an accident or lawsuit goes beyond your regular coverage? Umbrella insurance adds extra liability coverage to shield your savings, home, and income—showing how umbrella insurance can save you when the unexpected happens. Here are five scenarios where umbrella insurance can save you from major financial loss. See how umbrella insurance can step in when you need it most.
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Jan 15

Digital Pirates: The Newest Evolution of Cargo Theft

By Personal Insurance
Picture this: A truck driver locks up for the night at a rest stop, sure the cargo is safe. But, from hundreds of miles away, a cybercriminal infiltrates the fleet’s systems, reroutes the shipment, and lines up a buyer—all without touching the truck until it’s too late. For the trucking industry, cargo theft has moved far beyond locks and fences. Digital threats are now as real as physical ones, and only a layered approach to risk management—including insurance—can truly safeguard your operation.
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Jan 07

2026 Market Forecast: From Reaction to Readiness

By Market Forecast
The strategy for 2026 is clear: stop reacting and start preparing. For business leaders, the coming year represents a pivotal shift from managing crises to building genuine readiness. Whether you are navigating complex commercial risks or designing a benefits package to retain top talent, success will depend on data-driven insights and proactive planning. That's why Kapnick put together our 2026 Market Forecast. The most successful organizations won't leave their stability to chance. Instead, they will pair resilience with intelligence to stay competitive. Read on to learn more, or access the full market forecast here.
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Nov 17

Controlling Your Workers’ Compensation Costs

By Business Insurance
Workers' compensation costs are a significant operating expense for any business in the food, logistics, or retail sectors. While many leaders view them as an uncontrollable cost of doing business, a strategic approach can dramatically reduce their impact on your bottom line. The key is understanding that your premium is not a fixed price; it is a direct reflection of your company's loss performance.
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Nov 17

Keeping Drivers Safe and Improving Your FMCSA Scores

By Business Insurance
For fleet and operations leaders, nothing is more important than ensuring your drivers get home safely at the end of every shift. A strong safety culture is not just a moral obligation; it is also a critical component of a healthy, profitable business. Your Compliance, Safety, Accountability (CSA) scores, managed by the Federal Motor Carrier Safety Administration (FMCSA), are a direct reflection of your safety performance.  Poor scores don't just put your drivers at risk. They lead to higher insurance premiums, lost contracts with discerning shippers, and increased roadside inspections that disrupt your operations. The path to better safety outcomes and lower CSA scores begins…
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Nov 17

Control Foodborne Bacteria Losses

By Business Insurance
For food manufacturers, distributors, and retailers, a single bacterial contamination can be catastrophic. Beyond health risks, the financial impact includes recalls, business interruptions, and liability claims. Implementing effective bacterial contamination prevention strategies is essential to protect your customers, brand, and bottom line. This guide highlights key steps to build a resilient food safety program.
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Nov 03

Cost Control and Compliance: 4 Moves HR and Finance Can Make Now

By Employee Benefits
Benefits costs are rising, and regulations are tightening. HR and Finance leaders face the challenge of managing both without sacrificing employee experience. The risk isn’t just overspending—it’s fines, audits, and eroded trust if compliance slips. The good news? With the right benefits cost control strategies, you can reduce waste, improve compliance, and protect your program from unnecessary risks. Four Benefits Cost Control Strategies to Prioritize 1. Build a Clean Plan-Data Foundation Fragmented documents and outdated agreements make budgeting and compliance harder. Start by inventorying all plans—medical, pharmacy, dental, vision, HSA/FSA/HRA, life, disability, and wellness. Centralize: Current plan documents (SPD, SBC,…
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Oct 30

Smart Design: Beyond the High-Deductible Health Plan

By Employee Benefits
For many Indianapolis employers, the annual benefits renewal cycle presents tough decisions. High-Deductible Health Plans (HDHPs) are often chosen to control rising healthcare costs. However, without thoughtful plan design, these plans can shift financial burdens onto employees, leading to delayed care and medical debt. By leveraging strategic plan design, you can create a benefits program that balances affordability with employee well-being. The Pros and Cons of HDHPs HDHPs offer clear advantages, such as lower premiums and tax-advantaged Health Savings Accounts (HSAs). For a healthy, financially savvy workforce, this combination can work well. However, without smarter HDHP benefits design, the high…
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