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Phishing attacks, in which cybercriminals manipulate users into disclosing sensitive information or installing malware through fraudulent communications, have been a persistent cybersecurity threat, often resulting in significant financial and reputational damage. Recently, cybercriminals have begun leveraging artificial intelligence (AI) to power these attacks, making them more convincing and difficult to detect.  As this evolving risk…

Health savings accounts (HSAs) are a smart, tax-advantaged way to save for medical expenses.  Funds in an HSA can be used for various eligible health care expenses, such as copays, prescriptions,  dental care and vision-related costs. The accounts are often used to help offset the higher deductibles and out-of-pocket costs that come with a high-deductible health…

Employee engagement refers to an employee’s emotional connection and commitment to their organization and its goals. It is often reflected in their loyalty, motivation and willingness to advocate for the organization. Engagement is a critical factor in driving retention and productivity.  According to a report from Gallup published in early 2025, the percentage of engaged…

Personal health care literacy refers to being familiar with health care basics, understanding common medical terms and navigating health care information effectively. Improving your health care literacy can help you avoid unnecessary spending, stay healthy and prevent health problems. Consider these tips to help you take charge of your health:  Health care literacy is essential…

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…