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Insurance-to-value (ITV) is the relationship between the amount your home is insured for and what it would actually cost to rebuild or replace it from the ground up. It’s important to know that this isn’t the same as your home’s market value or what you originally paid for it. ITV focuses on reconstruction costs—including materials,…

1. What do you like most about your role?   I enjoy being involved in so many different areas including employee engagement and recognition, client relationships and education, and assisting with new connections for our organization.  2. How do you think being in an ESOP affects work culture? We just had a powerful 3rd quarter…

Summer internship programs are temporary work opportunities that help students and young professionals gain practical work experience while developing valuable skills and creating professional connections. For employers, internships help support business operations and expand their talent pipeline.  Organizations that currently run a summer internship program may benefit from reviewing best practices. Those that don’t currently…

Annual insurance reviews are a critical practice for small businesses. They can help reduce insurance costs while ensuring coverage keeps pace with the company’s evolving needs. Skipping this review can result in coverage gaps, leaving new business services, equipment or locations underinsured—or worse, completely uninsured. When done with the help of an insurance professional, an…

All organizations, regardless of their size or industry, are at risk of being targeted by cybercriminals. These malicious actors can conduct cyberattacks, leading to significant financial, operational and reputational damage that can be difficult or impossible to recover from. Fortunately, solid cyber hygiene practices can reduce the likelihood of data breaches and other cyber incidents…

Keeping employees safe on the job and minimizing the risk of related accidents and injuries are top priorities within any organization, regardless of size or sector. While certain elements of occupational safety remain constant, others may change and evolve over time. As such, it’s essential for employers to stay on top of the latest workplace…

On May 1, 2025, the IRS released the inflation-adjusted limit for excepted benefit health reimbursement arrangements (EBHRAs) for plan years beginning on or after Jan. 1, 2026. Effective for 2026 plan years, the maximum annual employer contribution for an EBHRA will increase to $2,200 (up from $2,150 for plan years beginning in 2025).  EBHRAs  An…

Stress is often perceived as a negative force that impacts our overall well-being. However, not all stress is detrimental. Stress is common and healthy; it’s your body’s way of responding to threats, challenges and demands. Good stress, known as eustress, is healthy and can serve as a powerful motivator to tackle challenges. Understanding the difference…

As corporate leaders, a company’s directors and officers have a range of responsibilities, many of which center around ensuring operational success, fostering a strong organizational culture, and complying with applicable federal and state laws. One of the most essential responsibilities these leaders have is keeping detailed and accurate corporate records. Such records encompass various types…

Educational institutions, including K-12 schools and universities, are frequent targets of cybercriminals. These organizations often possess vast stores of sensitive data, operate with limited cybersecurity resources and rely on outdated infrastructure. As a result, cyberattacks in this sector have led to significant financial, operational and reputational damage. Given these risks, leaders at these institutions should…