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The latest insurance articles, insight, and news from Ollis/Akers/Arney Insurance & Business Advisors.

What Security Debt Means for Organizations

What Security Debt Means for Organizations

November 8, 2026
As organizations adopt new technologies and modernize operations, cybersecurity safeguards can fall behind. Unpatched software, outdated systems, excessive user privileges, inadequate training and unauthorized tools can create unresolved weaknesses collectively known as security debt. Security debt extends beyond technical vulnerabilities. It includes gaps across people, processes and technology, such as weak governance, unsupported systems, forgotten…
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Sleep Debt and Its Impact on Everyday Life

Sleep Debt and Its Impact on Everyday Life

November 8, 2026
Most people know what it feels like to run short on sleep. A late night finishing work, a restless night with a little one, or an early start after a long commute can leave you dragging the next day. When it happens night after night, the shortfall adds up, and short sleep is far more…
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Recruiting for AI Skills

Recruiting for AI Skills

November 1, 2026
Artificial intelligence (AI) skills are no longer limited to technical roles. As employers work to keep pace with advances in technology, they are seeking candidates with AI skills across a growing range of positions, according to LinkedIn's Future of Recruiting 2025 report. Finding those candidates calls for a different approach than traditional hiring, since degrees…
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IRS Addresses When Health FSAs, HRAs and HSAs Can Pay for Wearable Devices

IRS Addresses When Health FSAs, HRAs and HSAs Can Pay for Wearable Devices

October 25, 2026
The IRS recently updated its frequently asked questions (FAQs) about medical expenses related to nutrition, wellness and general health to specifically address when the cost of a wearable device is a medical expense that can be paid or reimbursed by a health flexible spending account (FSA), health reimbursement arrangement (HRA) or health savings account (HSA).…
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Addressing 5 Common Sources of Water Damage Claims

Addressing 5 Common Sources of Water Damage Claims

October 18, 2026
Businesses often associate water damage with storms, flooding and other weather-related events. Significant losses, however, can arise from a variety of other sources. A pipe fitting could fail overnight, flooding a lower floor and damaging property; a water heater may rupture without warning, damaging inventory and equipment; or a malfunctioning sprinkler head may discharge water…
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How to Look at GLP-1 Coverage During Open Enrollment

How to Look at GLP-1 Coverage During Open Enrollment

October 18, 2026
As glucagon-like peptide-1 (GLP-1) drugs continue to gain popularity, employees may be wondering whether the medication is covered under their health plan when comparing options during open enrollment. This is likely one of the most common questions employees will ask this year. Coverage for these medications is not uniform. It can vary by the condition…
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IRS Offers Ways to Protect Tax Data for Cybersecurity Awareness Month

IRS Offers Ways to Protect Tax Data for Cybersecurity Awareness Month

October 11, 2026
October is Cybersecurity Awareness Month, and the IRS is using the occasion to urge taxpayers to make online security part of their daily routine. In a recent press release, the agency said a few simple habits can go a long way toward keeping personal, financial and tax information out of the hands of identity thieves…
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HSA and FSA Spending for Wellness Expenses

HSA and FSA Spending for Wellness Expenses

October 7, 2026
When you think about using your health savings account (HSA) or health flexible spending account (FSA), you may picture paying copays, filling prescriptions and reaching your annual deductible with these tax-advantaged accounts. But these accounts can stretch much further into everyday wellness spending than many employees realize, such as over-the-counter (OTC) allergy medicine, therapy sessions…
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Navigating Employees Running Out of PTO

Navigating Employees Running Out of PTO

October 3, 2026
Paid time off (PTO) is a valuable benefit that supports employee well-being, work-life balance and overall productivity. However, many employees find themselves running low, or completely out, of PTO by the fall season, leaving little flexibility for year-end holidays, sick days or other unexpected events. This pattern can lead to stress, burnout and decreased productivity,…
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Shadow AI and the Risks of Employees Using Unapproved AI Tools

Shadow AI and the Risks of Employees Using Unapproved AI Tools

September 27, 2026
Artificial intelligence (AI) can help employees summarize documents, analyze data and complete other routine tasks. However, workers may adopt AI tools before their employers can properly evaluate and govern them. This can lead to shadow AI—the use of AI tools or accounts that an organization has not approved. Although employees typically turn to these tools…
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