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The Blog

Our latest insurance articles, insight and news.
Sep 29

After Renewal: Why Your Long-Term Benefits Strategy Starts Now

By Employee Benefits
Renewals are signed and open enrollment is wrapping up. For many HR and finance leaders, December is the first chance to exhale. Before you close the book on this year, though, it is worth asking a simple question: were you satisfied with how it went? If the answer is anything less than a clear yes, now is the ideal time to build a long-term benefits strategy. The months after renewal offer the space to plan instead of react. Take an Honest Look Back Start by reviewing the renewal you just completed. Did you understand what drove the increase? Did you…
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Sep 29

How Mid-Sized Employers Can Lower Renewal Costs Without Cutting Benefits

By Employee Benefits
Renewal notices have been tough this year. Many mid-sized employers opened theirs to find increases that were hard to justify and even harder to budget. If that sounds familiar, you are not alone. Fortunately, there are proven ways to lower renewal costs without taking benefits away from your people. Rising costs are not going away. Mercer projects that employer health benefit costs will climb 8.2% in 2027. Even so, employers have more control than they might think. Over the past several renewal cycles, our team has seen what works for groups with 50 to 200 employees. Here are the strategies…
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Sep 29

Benefits Renewal Season: What Mid-Sized Employers Should Be Doing Right Now

By Employee Benefits
If your organization has 50 to 200 employees, benefits renewal season probably feels less like a season and more like a sprint. Renewal notices land, carrier partners set deadlines, and open enrollment is only weeks away. Meanwhile, you still have a business to run. This year, the pressure is real. Mercer's latest national survey projects that employer health benefit costs will rise 8.2% in 2027, the largest jump since 2003. For many mid-sized employers, that means a renewal that is harder to absorb and harder to explain. The good news is that you still have options. Here is what to…
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Sep 21

Contractual Risk Transfer: Would Your Insurance Program Survive Your Largest Customer Contract?

By Business Insurance
What Big Customers Are Really Asking You to Assume Landing a major retailer, grocery chain, or foodservice account is a milestone worth celebrating. The contract behind that relationship, though, often involves more contractual risk transfer than most processors realize. Indemnification clauses, additional-insured requirements, recall obligations, and chargeback terms can quietly shift substantial risk onto your operation. Few processors compare that language line by line against what their insurance program actually covers. That's exactly where the exposure hides, often for years, until a claim forces the comparison to happen anyway. The Contractual Risk Transfer Gap Hiding in Plain Sight Contractual risk…
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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 21

Why a Specialized Insurance Advisor Beats a Local Generalist for Food Processors

By Business Insurance
The Hidden Cost of Working With a Generalist Many food processors still choose their insurance broker the way they'd choose a landscaper: someone local, someone known, someone easy to reach. That instinct makes sense for plenty of vendor relationships. It can quietly cost a processor real money and real protection, though, when the broker isn't a specialized insurance advisor who understands food-industry risk in depth. A local generalist may write policies competently and still miss exposures that are specific to processing, packaging, and distributing food. That gap often stays invisible until a claim or a renewal surprise brings it into…
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Sep 20

Product Contamination Insurance: A Faster Path to Recall Protection

By Business Insurance
The Real Cost of a Contamination Event A single contaminated batch can shut down a production line within hours. It can trigger a recall and put your biggest customer relationships at risk just as fast. Retailers and foodservice buyers expect answers immediately. Regulators expect documentation just as quickly. Yet many processors still carry only the coverage their carrier bundled in years ago. Few ever ask whether that coverage matches how a real contamination event actually unfolds. Product contamination insurance closes exactly that gap, and it's worth understanding before you need it, not while you're already in the middle of a…
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Sep 11

Cyber Coverage Helps Protect Your Construction Organization

By Business Insurance
Construction firms have traditionally thought of cyber risk as someone else's problem, a concern for banks, retailers, or tech companies. That assumption is no longer safe. Contractors handle sensitive project data and manage large wire transfers to subcontractors and suppliers. Many now rely on connected project management and building systems as well. Each of those touchpoints is a potential entry point for a cyberattack, and cyber coverage has become an essential part of how a construction organization protects itself. Why Construction Firms Are Now Prime Targets Bad actors target industries where disruption is costly and payment is likely, and construction…
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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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