Risk Management
By SIA Group | 4 min read | Published August 6th, 2025 As we move through 2025, commercial property owners are facing a sharp uptick in insurance claims. From weather-related damage to vandalism and water loss, the risk landscape is shifting—and premiums are rising to match. If your business relies on brick-and-mortar locations, understanding this trend…
By SIA Group | 4 min read | Published July 28th, 2025 Don’t Let Small Mistakes Cost You Big Applying for auto insurance may seem like a routine task. However, small errors on your application can lead to big consequences—such as denied claims, unexpected rate hikes, or policy cancellations. Fortunately, many of these mistakes are easy…
By SIA Group | 🕒 4 min read | Published July 14th, 2025 As we move into the second half of 2025, the general liability insurance market is showing continued signs of stabilization. After years of hardening conditions driven by increasing claim severity and rising litigation costs, many policyholders are now seeing modest rate increases and healthy…
By SIA Group | 🕒 4 min read | Published July 9th, 2025 The first 24 hours after a workplace injury can define the entire workers’ compensation journey—for the employee and for your organization. Acting quickly limits claim costs, keeps you OSHA-compliant, and supports your injured worker’s recovery. Follow these three proven steps to turn a potentially…
Managing Commercial Fleet Maintenance and Repair Costs: Trends, Strategies, and Insurance Benefits Fleet maintenance is a critical responsibility for businesses that rely on vehicles to support their operations. However, rising costs driven by inflation, supply chain disruptions, and evolving vehicle technology have made keeping fleets in optimal condition increasingly challenging. Despite these obstacles, maintaining safe…
February is American Heart Month, a time to focus on cardiovascular health and raise awareness about heart disease, the leading cause of death for both men and women in the United States. By understanding the risks, taking preventive steps, and using available resources, we can work together to improve heart health nationwide. Heart Disease by…
On Nov. 15, 2024, the U.S. District Court for the Eastern District of Texas vacated the Department of Labor’s (DOL) final rule amending the overtime exemption requirements under the Fair Labor Standards Act (FLSA). This ruling reverses the rule’s nationwide salary increases, restoring the pre-July 2024 thresholds. Background The FLSA exempts certain white-collar employees in…
About 1 in 10 adults experience worsening memory loss or cognitive decline, according to the U.S. Centers for Disease Control and Prevention. Dementias start with mild memory loss and can lead to an inability to carry on conversations or respond to one’s environment. Improving your brain health can help you stay sharp as you age.…
Commercial property and casualty insurance premiums rose by an average of 5.1% in Q3 2024, with umbrella pricing showing an uptick amid rate moderation in most other lines, according to the Council of Insurance Agents & Brokers (CIAB). Market conditions for Q3 held steady from the previous quarter, CIAB noted in its latest report, with…
Many drivers don’t realize how much their credit score can impact car insurance premiums. In most states, insurers use your credit score to help determine your rates, and even a small change in your score can lead to significant fluctuations in your premium. However, three states—California, Massachusetts, and Hawaii—have banned the use of credit scores…