While you already have enough to worry about when your child leaves for college, you don't want the specter of them dealing with the theft or damage of their possessions while there.

If you want to provide your employees with the one voluntary benefit that can give them peace of mind should tragedy strike, critical illness coverage is the answer.
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Demand has grown for critical illness insurance over the last year thanks to the pandemic and as a result of employees taking on more of the cost burden in their employer-sponsored health plans.

As the construction industry booms, contractors face evolving risks that, left unchecked, can leave their operation exposed to new liabilities. 
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If you already operate a construction firm, you know that there is a labor shortage that has made it difficult to find experienced workers, and that hiring entities are asking builders to take on more of the design function, as well.

Insurance rates are rising rapidly for contractors, particularly for builder's risk and excess liability policies as the cost of claims continues to increase dramatically.

The COVID-19 pandemic is finally getting under control. As more Americans get vaccinated, states are gradually lifting restrictions, and life is returning to pre-pandemic normalcy. Finally, individuals can get to the tasks they’ve been postponing for more than a year. Unfortunately for employers looking to retain employees, some employees are now ready to find new jobs.

The last five years have seen the rise of new and unforeseen risks, like the COVID-19 pandemic, the rapid increase of natural catastrophes and supply chain upheavals of unprecedented proportions.

A work-related vehicle accident will cost an employer an average of at least $16,500, according to OSHA.
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If injuries are involved, that figure can quadruple. If there's a fatality, you could be looking at costs exceeding half a million dollars. Not to mention the suffering and broken lives that kind of event leaves in its wake.

More businesses are finding fewer insurers willing to write their policies for certain types of coverage that are seeing rapidly escalating claims costs, particularly in some liability lines as well as property insurance in areas with exposure to natural catastrophes.

Attracting and retaining employees is a constant struggle for organizations of any size, but it’s particularly so for small businesses. With smaller teams, employers need to hold onto talent whenever possible. And that can be a challenge, especially when resources are scarce as they are currently amid the lingering effects of the COVID-19 pandemic.

With the COVID-19 vaccine becoming much more widely available across the country, the topic of returning to in-person work, school and other activities is being discussed constantly. The reopening of the country, though, comes with some uncertainties and may lead to feelings of re-entry anxiety.