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We specialize in a broad range of solutions for business insurance and employee benefits and offer personal insurance for private clients.
Business Insurance
Building process improvements, risk control, and comprehensive strategies designed specifically for your organization that work together to drive up your organization’s competitive advantage.
Employee Benefits
Implementing strategies to encourage healthy lifestyles, boost company growth, and give you control over the rising cost of health insurance while delivering benefits that employees value.
HR Consulting
Partnering with a team of HR professionals for an all-in-one custom program designed to support your team, maintain compliance, empower your people, and simplify time-consuming tasks.
Personal Insurance
Providing a variety of resources tailored to your unique lifestyle to protect you from various risks and liabilities, and delivering a service experience that minimizes the demands on your schedule.
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The Consent to Settle Clause and How it Impacts Liability
When businesses face liability insurance claims, they may mistakenly assume that the insurer decides when to reach a final settlement amount. However, this isn’t always the case. Some liability policies, particularly professional liability coverage, include a consent to settle clause. This policy provision requires an insurer to obtain the insured's approval before officially settling a…
IRS Releases ACA Pay-or-Play Penalties for 2027
On May 4, 2026, the IRS released updated penalty amounts for 2027 related to the employer shared responsibility (“pay-or-play”) rules under the Affordable Care Act (ACA). For calendar year 2027, the adjusted $2,000 penalty amount is $3,780, and the adjusted $3,000 penalty amount is $5,670. This is an increase from the penalty amounts for the…OSHA Proposes Rule to Remove Its Walking-Working Surfaces Standard Deadline
OSHA recently published a proposed rule to remove the Nov. 18, 2036, deadline in its Walking-Working Surfaces standard. This standard would have required all fixed ladders extending more than 24 feet above a lower level to be equipped with personal fall arrest systems or ladder safety systems by this deadline. Background One of the more…
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