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The Blog

Our latest insurance articles, insight and news.
Oct 12

From Benefits to Better Living: Smarter Communication. Stronger Workforce

By Employee Benefits
Employers invest heavily in benefits. Yet many employees do not understand what they have or how to use it. The problem usually is not the benefits themselves. It is the message. Strong benefits communication closes that gap, so your people actually use the programs you provide. Strive simplifies communication through customized Wellbeing at Work Communication Packages that drive understanding, increase utilization and support employee wellbeing, all while helping organizations maximize the value of their benefits investment. The Communication Gap Employers Face This is one of the most common challenges we hear from employers. They offer valuable resources, from wellness programs…
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Oct 12

Know Your Numbers: How Fingerstick Biometric Screenings Help Your Team

By Employee Benefits
Many serious health conditions develop quietly. People can feel fine for years while their blood pressure, cholesterol or blood sugar slowly climbs. Biometric screenings help employees catch those changes early. With fingerstick screenings, your team can learn their key health numbers in minutes, right at work. The Hidden Cost of Unknown Health Risks The Centers for Disease Control and Prevention (CDC) estimates that about one in three U.S. adults has prediabetes. More than eight in 10 of them do not know it. Similar gaps exist for high blood pressure and high cholesterol. These conditions often have no symptoms until they…
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Oct 12

Mental Health Training at Work: How MHFA and QPR Support Your Team

By Employee Benefits
Sometimes first aid is not a bandage, CPR or the Heimlich. Sometimes, first aid is a person who knows what to say. Mental health training gives your people the skills to notice when a colleague is struggling and the confidence to help. It is also a practical way to show your team that you take their well-being seriously. Why Mental Health Belongs in the Workplace Employees expect their workplace to care about mental health. According to a 2023 American Psychological Association survey, 92 percent of workers say it is important to be part of an organization that prioritizes emotional well-being.…
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Oct 12

Finish the Year Strong With an Employee Wellness Program Built for Q4

By Employee Benefits
Your employees invest their time, energy and skill in your business every day. As the year winds down, it is worth asking: how are you investing in them? An employee wellness program is one of the clearest answers you can give. However, many employers assume wellness requires a large budget or a months-long rollout. Kapnick Strive 4x4 Wellness proves it does not. Why the Fourth Quarter Matters The end of the year is a demanding season. Holidays, deadlines, open enrollment and shorter days all add pressure. Stress tends to rise while healthy habits slip. At the same time, employees are…
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Oct 09

Wisconsin Malpractice Requirements: What Behavioral Health Leaders Should Know

By Business Insurance
Behavioral health organizations in Wisconsin face a coverage question that many other states do not. Chapter 655 and the Injured Patients and Families Compensation Fund set specific rules for certain health care providers. As clinics add psychiatry, nursing and medical services, those rules can start to apply. Understanding Wisconsin malpractice requirements helps leaders avoid compliance gaps and uncovered claims. How Chapter 655 Works Wisconsin's system pairs primary malpractice insurance with a state fund. Providers subject to Chapter 655 must carry at least $1 million per occurrence and $3 million in annual aggregate coverage. Their primary coverage must be certified to…
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Oct 09

Care Coordination Liability: Managing Risk When Partners Share the Work

By Business Insurance
No behavioral health organization can do everything alone. Community clinics rely on hospitals, primary care providers, schools and specialty partners to deliver complete care. That collaboration is a strength. However, it also blurs the lines of responsibility. When something goes wrong between two organizations, care coordination liability determines who answers for it. Often, the answer surprises leaders. Shared Care Means Shared Exposure The CCBHC model depends on coordination. Clinics may deliver some required services through Designated Collaborating Organizations, known as DCOs. Even so, the CCBHC generally remains responsible for the care its patients receive. In other words, outsourcing a service…
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Oct 09

Crisis Services Liability: Protecting Your Team When Every Minute Counts

By Business Insurance
Crisis work is some of the most important care a behavioral health organization provides. It is also some of the riskiest. Clinicians make fast decisions with limited information, often outside the clinic. When outcomes are tragic, families look for answers, and sometimes they look to the courts. For that reason, crisis services liability belongs at the center of any behavioral health risk conversation. Why Crisis Care Carries Unique Risk Crisis programs serve people at their most vulnerable moments. Many patients present with suicidal thoughts, psychosis or intoxication. Some are unknown to the organization. Others arrive through a hotline, a police…
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Oct 09

CCBHC Professional Liability: Why Complexity Matters More Than the Label

By Business Insurance
Community behavioral health organizations are growing fast. New grants fund new programs, and new programs bring new clinicians, locations and patients. That growth serves the community well. However, it also changes the risks your organization carries every day. For leaders moving toward the Certified Community Behavioral Health Clinic model, CCBHC professional liability deserves a fresh look. A policy written for a small outpatient practice rarely fits a 24/7 clinical platform. What Makes a CCBHC Different The CCBHC model turns behavioral health into a coordinated care system. SAMHSA's framework requires clinics to serve anyone seeking mental health or substance use care.…
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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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