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Commercial Insurance

Navigating Employee Benefits: Is a PEO Right for Your Business?

In today’s fast-paced and competitive business landscape, attracting and retaining top talent is more crucial than ever. A robust employee benefits program can be the key to achieving this goal, but for many small and medium-sized businesses (SMBs), managing employee benefits and navigating the complex world of HR compliance can…

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Property and Casualty Insurance for Food Processing and Distribution

The journey of food from farm to fork is a complex one, involving numerous businesses along the global food and beverage supply chain. From suppliers and manufacturers to processors, importers, and distributors, each player faces unique challenges in today’s volatile world. Securing the right property and casualty (P&C) insurance is…

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Commercial Property Insurance: Navigating a Tough Market

While Commercial Property Insurance remains a tough market characterized by unfavorable rates, stringent underwriting, and limited capacity, the good news is that organizations can adopt strategies to enhance their marketability. More encouraging still, relief is emerging on the horizon. Business Insurance reported in a recent article, “Commercial property insurance rate hikes come…

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Builders’ Risk Insurance: A Key Part of Construction Risk Management

If you’re embarking on a construction project, there are two ways you can view Builders Risk Insurance: as an unfortunate necessity or as invaluable protection against the many risks inherent to construction. Which view you adopt is a major factor in whether your business succeeds or fails.  Construction companies are…

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Professional Liability Insurance: Improved Market for Critical Coverage

If your career involves providing professional services or counsel, Professional Liability Insurance, also known as professional indemnity insurance, is crucial for safeguarding your assets and reputation against allegations of negligence or mistakes. This coverage, which transfers the professional liability from you to the insurance carrier, is known by various names,…

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Beyond Open Enrollment: Navigating Employee Benefits in the Long Run

Implementing your organization’s employee benefits program is like leading a marathon team.  First, you prepare through regular training sessions, aided by internal communications in the weeks and months leading up to Open Enrollment. Next comes the grind of Open Enrollment itself — the equivalent of a marathoner’s high-mileage training runs….

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Manufacturers Insurance: Trends in Cyber Liability and Property Coverage

In a chaotic time filled with environmental instability, global supply chain issues, and perpetual labor shortages, there’s one industry that insurance companies still largely trust: manufacturing. As a result of the industry’s inherent stability, manufacturing is doing well in today’s property and casualty (P&C) insurance marketplace — for the most…

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A photo of architects working on a set of blueprints.

Contractor/Subcontractor Uncertainty? The Solution Is Surety.

If your contracting or subcontracting business has not only survived but thrived during the three years of the COVID-19 pandemic, Surety bonds probably are not a top-of-mind concern for you — at least when it comes to private construction projects. But if you’ve struggled with payment, cash-flow or employment issues…

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An aerial view overlooking a municipality.

The Role of Risk Management in Public Sector Insurance

When it is non-existent or poorly executed, risk management becomes the subject of intense scrutiny, especially when a municipality or public entity is assigned responsibility for an occurrence resulting in widespread damage or singular tragedy. “How did this happen?,” we demand to know. “And who is to blame?” From natural…

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A photo of insurance professionals meeting with construction workers on a job site.

Diligence, Innovation Keys to Construction Insurance Solutions

Step back from all the misery the COVID-19 pandemic has caused, including worker shortages and supply chain disruption. Take a good look at all the insurance challenges a years-long hard market for Property and Casualty coverage has created. Scan the landscape of damage from a multi-year series of catastrophic events…

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D&O Insurance for Private Companies and Nonprofits

When you accept an invitation to join a private organization’s board of directors, you might not realize that your activities as a current or former member could include fending off a lawsuit. Before you accept that invitation, ask whether the board is protected by Directors and Officers Liability Insurance, known…

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A photo of employees leaning on the fender of a semitruck.

Performance-Based Insurance: Loss Control and Commercial Auto

A couple of years ago, a Texas company providing services to support the drilling and production of oil and gas wells had a problem. Its driver-safety record had become so troublesome that the state Department of Transportation had slapped it with the DOT’s poorest rating, and the company’s Commercial Auto…

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Benefits Compliance Update: 2022 Reporting Requirements

As a business owner or human resource professional, you’ve been through two years of pandemic-related regulations, adaptations and frustrations. Over the past couple of months, you’ve managed open enrollment for employee benefits amid a resurgent wave of COVID-19 infections and HR legislation, all while assisting colleagues with their demands and stresses — pandemic-related and otherwise. Now a new…

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A photo of a roadway with '2022' spray painted on to it.

Justin Foa: 2022 Forecast

If the past two years have taught us anything, it’s the value of preparing for the unexpected. Those who are able to be flexible and meet changing market conditions have a greater chance of success in times of stress and change. So, with that in mind… What do we see…

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A graphic entitled Typical Lifecycle of your Homeowner Claim.

Typical Lifecycle of Your Homeowner Claim

If you have experienced a homeowner claim, waiting for the insurance claims process to complete can feel like forever. Timelines may differ between insurers or claims, and the process can go faster in some cases than in others. Waiting can be frustrating, but it can be helpful to understand what…

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A graphic entitled 'Cyber Threats: Threats for the Manufacturing Sector According to the Critical Manufacturing Security Guide 2020'

Cyber Threats to the Manufacturing Sector (INFOGRAPHIC)

Cyber security is now more important than ever for manufacturers — especially as the impacts of the ongoing pandemic continue to be felt. A survey by McKinsey found that companies may have accelerated the digitization of supply chains and operations by three to four years due to Covid-19, while the…

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A photo of a Justin Foa with a background of the NYC skyline during sunset.

Justin Foa: 2021 Year-in-Review Snapshot

The past year saw an extraordinarily hard insurance market, both nationally and locally.  On the national level, cyber liability, D&O liability, employment practices liability, property risks and excess liability have seen continued hardening.  Many industry watchers had forecasted that some increases would start to slow down in the second half…

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