As insurance premiums rise and underwriters are ever more assiduous in evaluating risk, insurance buyers find themselves more open to ‘alternative risk’ or ‘captive’ insurance options. Captives may at first seem complex and difficult to administer but understanding a few basic principles...

As an insurance and risk management partner to hundreds of assisted living communities across the country, we would like to extend a “Thank You” to our assisted living clients for providing care and services to those in need. In appreciation of all that you and your team members do, we join you in...

Reflecting on last year’s hurricane season, some communities are still struggling to implement an effective plan. Whether you have a plan in place or need to finish it, it’s a good idea to keep the disaster planning conversation open. The Disaster Preparedness Guideline focuses on safeguarding human...

​If you are familiar with commercial trucking, any issue seems to come back to the CDL driver. The never-ending dilemma of controlling behavior, for better or worse, is always upon us. When a new rule is implemented, it is usually with a lot of comments and consideration. This fall we have another...

Automobile insurance policies cover the vehicles you own but there may be times when you need to drive a different vehicle temporarily. A “substitute vehicle” is any vehicle that you do not own but you drive when you are unable to operate your insured vehicle. Some examples of a substitute vehicle...