February 23, 2026
Q4 2025: Commercial insurance market is showing signs of softening, with premiums averaging 0.2% across all accounts. Commercial auto climbs to 6.6%, D&O drops to negative 3.8%.
- Filter by
- Categories
- Tags
- Authors
- Show all
- All
- About UNICO
- Achievements
- Announcements
- Artificial Intelligence
- Capital Markets
- Client Spotlight
- Commercial
- Community Involvement
- Contractors
- Cyber
- Education
- Employee Benefits
- Loss Control
- News
- Personal Lines
- Real Men Wear Pink
- Risk Management
- UNICO In the News
- UNITEL
- Upcoming Events
- Work Comp
- All
- §4980H(b)
- §4980H(b) penalties
- §4980H(b) requirements
- 2023 Best Place to Work in Lincoln
- 2023 top 10 osha violations
- 2024 Best of Omaha
- 2024 employee benefits trends
- 2024 open enrollment preparation
- 2025 best of omaha
- 2025 changes
- 2025 flexible spending arrangements
- 2026 market outlook
- 2026 personal insurance outlook
- 401K 2025
- 4x5 Program construction
- ACA
- ACA compliance 2026
- ACA reporting
- Account Security
- ACH fraud
- Adam Johnson
- adding teen driver to insurance
- additional insured
- administrative services
- ADR
- ADR options
- adverse weather safety measures
- aerial lift safety
- affordability percentage
- Affordable Care Act
- Affordable Care Act reporting
- affordable coverage act
- Agent Licensing Reform
- agricultural insurance
- AI in HR
- AI in insurance
- Alexis markowski
- all risks property coverage
- American Benefits Council
- amy hruska
- ancillary benefits programs
- Angie Hoffschnieder
- Announcement
- annual driver review
- annuities
- applicable large employers
- artificial intelligence
- asset management program
- associates in risk management
- attestation responsibility
- Attorney involvement in claims
- attract employees
- attractive benefits offerings
- auditing cybersecurity procedures
- auto after-market
- auto dealer
- auto industry
- auto insurance
- auto insurance market 2026
- avoid negligent hiring claims
- avoiding coverage disputes
- avoiding scams
- back-to-school safety
- background checks
- basement tornado shelter
- basketball
- BEAD funding
- bead insurance
- BEAD Program
- Bechtel mental health program
- Ben Kruger
- benefit trends
- benefits
- benefits administration
- benefits advisor
- Benefits communication strategies
- benefits communications
- benefits compliance
- benefits consultant
- benefits consulting
- benefits customization
- Benefits Education
- benefits engagement tips
- benefits expertise
- benefits innovation
- benefits partnership
- benefits solutions
- benefits strategy
- best cyber insurance 2025
- best insurance rates for teens
- Best of Omaha
- Best of Omaha Independent Insuracne Agency
- Best of Omaha Independent Insurance Agency
- best of Omaha Insurance
- best omaha insurance agency
- Best Place to Work in Lincoln
- best places to work
- best places to work 2024
- Best practices
- Best Practices 2021
- Best Practices 2022
- Best Practices 2024
- Best Practices Agency
- Best practices for benefits communication during open enrollment
- Best practices insurance
- Big “I”
- BLS safety data
- board chair
- Board of directors
- board of directors news
- Boy Scouts
- brokerage recognition
- bucket truck safety
- building code changes
- building code compliance
- building compliance
- building material security
- building ordinance coverage
- building reconstruction insurance
- building regulations
- building renovation insurance
- Building safety
- building safety compliance.
- building site surveillance
- business continuity insurance
- business continuity planning
- business cyber protection
- business cybersecurity
- business cybersecurity tips
- business data protection
- business disaster prevention
- business email compromise
- business email compromise coverage
- business equipment protection
- business flood insurance
- business income
- business insurance basics
- business insurance conditions
- business insurance updates
- business interruption
- business leadership
- business liability
- business operations
- business personal property coverage
- business preparedness
- business property claims
- business property protection
- business protection
- business recovery process
- business risk management for vehicles
- business severe weather
- business travel abroad
- business travel security risks
- business vehicle policy examples
- CAA Gag Clause Attestation
- California Workers' Compensation Institute
- camera blind spots
- capital insurance
- capital markets
- car maintenance tips
- car seat expiration
- car seat safety
- careers lincoln
- careers omaha
- Carly Carlson
- carrier competition
- casualty insurance
- catastrophic losses
- causes of coverage disputes
- CDL amendments
- central office surge protection
- Certified Insurance Counselors
- certified safety professional
- certified work comp advisor
- Certified WorkComp Advisors
- CFO
- Chad Ideus
- change in capacity
- Changes to ACA affordability threshold in 2026
- changes to experience mod factor
- Charity
- Charlie Easley
- Chase Keitges
- check fraud
- chemical hazard awareness
- chemical safety regulations
- Chief Operations Officer
- child passenger safety month
- child restraint installation
- Chris Danielson
- Chris Senkbile
- chronic disease management
- CIAB
- CIAB board appointment
- CIC
- CISA security recommendations
- claim advocate
- claim communication
- claim documentation
- claim reserves
- claim severity
- claims
- claims adjuster
- claims handling
- claims management
- claims response
- ClickFix malware
- client accountability
- client relationships
- client responsibilities
- client satisfaction
- client service excellence
- Client Spotlight
- client success
- client support
- client-first approach
- client-first mindset
- client-focused insurance.
- CMV
- COBRA administration
- COBRA fees
- COBRA notices
- code upgrade coverage
- cognitive distraction
- coinsurance
- cold weather workplace accidents
- Commercial Auto
- commercial auto insurance
- commercial auto insurance considerations
- commercial auto premium
- commercial auto premiums
- commercial building codes
- commercial building insurance
- commercial driver's license
- commercial fire insurance
- commercial fleet safety
- Commercial Insurance
- commercial insurance brokers
- commercial insurance limits
- commercial insurance rates
- commercial insurance requirements
- commercial insurance risk management
- commercial insurance trends 2025
- Commercial Motor Vehicle
- commercial motor vehicle safety
- commercial operations
- Commercial Property
- commercial property hail
- commercial property increase
- Commercial property insurance
- commercial property loss
- commercial real estate insurance
- commercial risk advisor
- commercial risk management
- commercial surge protection
- commercial vehicle safety procedures
- common contractual risk transfer tools
- common qualifying events
- communication
- communications cybersecurity
- communications equipment safety
- communications industry
- communications services
- community safety practices
- community tornado response
- company announcement
- company cell phone while driving policy
- company culture
- company cyber protection
- company vehicle usage guidelines
- company vehicles
- complete the attestation form
- complex benefit programs
- compliance
- Compliance checklist for open enrollment season
- compliance management
- compliance programs
- compliance strategies
- compliance tools
- comprehensive risk management
- comprehensive water damage mitigation program
- computer protection
- computer security
- Construction
- construction ai
- construction costs
- construction data protection
- construction employee retention
- construction equipment protection
- construction industry
- construction industry mental health
- Construction industry risks
- construction industry support programs
- construction injury prevention
- construction insurance premiums
- construction lighting
- construction mental health initiatives
- construction PPE
- construction productivity
- construction project protection
- construction project safety
- construction risk management
- construction safety
- construction safety best practices
- construction safety leadership
- construction safety metrics
- Construction safety protocols
- construction security cameras
- construction site deterrents
- Construction site fatalities
- construction site monitoring
- construction site safety
- Construction site theft prevention
- Construction Suicide Prevention Week
- construction supervisor resources
- construction supervisor training
- construction supply chain vulnerabilities
- construction sustainability practices
- construction technology security
- Construction Trends
- construction trends 2024
- construction trends to watch
- construction worker heat exposure
- construction worker stress management.
- construction worker suicide prevention
- construction worker wellbeing
- Consumer Protection
- contingent coverage
- Continuous Improvement
- continuous safety improvement
- contractor hiring
- contractor insurance
- contractor security measures
- contractors
- contractors' E&O
- contractors' E&O insurance
- contractos E&O
- contractual risk transfer
- contribution limit
- copper wire theft
- corporate governance
- corporate growth
- corporate insurance
- corporate leadership
- corporate recognition
- corporate transportation safety
- corporate travel insurance
- corporate travel security
- cost of cyber attack
- cost-sharing limits
- Courtney Farrier
- coverages
- covered locations insurance
- covered perils
- covered property requirements
- coveware
- CPWR mental health resources
- Craig Marmie
- crash risk
- creating a cybersecurity policy
- creating a safety culture
- crime prevention October
- critical equipment safeguarding.
- CSHO certification
- culture of safety
- current benefits trends
- current OSHA citation penalties
- custom benefits package
- customer service
- customized insurance
- CVSA inspection
- CVSA roadcheck
- CWCA Certification
- cyber
- cyber attack coverage
- cyber attack prevention
- cyber awareness
- cyber best practices
- cyber breach
- cyber complaints
- Cyber Coverage
- cyber crime insurance
- cyber extortion
- cyber extortion insurance
- cyber incident
- cyber incident response
- cyber insurance
- cyber insurance checklist
- cyber insurance construction
- cyber insurance expectations
- cyber insurance guide
- cyber insurance market
- cyber insurance premium
- cyber insurance solutions
- cyber liability policy
- cyber line increase
- cyber ransom
- cyber risk
- cyber risk assessment
- cyber risk assessment for business
- cyber risk management
- cyber risk management construction
- cyber security
- cyber security best practices
- cyber security compliance
- cyber security for businesses
- cyber security for financial services
- cyber security incident response
- cyber security insurance
- cyber security policy comparison
- cyber security policy cost
- cyber security solutions
- cyber security training
- cyber threat insurance
- cyber threat prevention
- cyber threats construction
- cyberattack defense
- cyberattack prevention
- cybercrime
- Cybercrime Prevention
- cybersecurity
- Cybersecurity Awareness Month
- cybersecurity best practices
- cybersecurity checklist
- cybersecurity for businesses
- cybersecurity holiday season
- Cybersecurity in construction
- cybersecurity threat
- d
- D&O
- D&O insurance
- D&O premiums
- damage prevention
- Dan Mickells
- dash cam distracted driving
- dash cam policy
- data breach
- data breach insurance
- data breach notification coverage
- data breach recovery
- data breach response
- Data Protection
- data-driven decisions
- daylight savings safety
- de minimis violation
- Debbie Trusty
- defensive driving techniques
- demolition coverage coverage
- denied claims
- Department of Labor updates
- Digital Identity
- Digital Privacy
- digital safety
- digital security best practices
- digital security construction
- digital security policy
- digital threat protection
- direct damage coverage
- Director of Commercial Operations
- Director of IT
- directors and officers insurance
- disability insurance
- disaster recovery resources
- dispute resolution
- distracted driver
- distracted driving
- distracted driving accidents
- distracted driving awareness
- distracted driving awareness month
- Distracted driving policy template
- distracted driving prevention for businesses
- distracted driving prevention tips
- distracted driving tips
- DOL PPE
- Driver qualification
- driver qualification program
- driver safety protocols
- driver safety training resources
- driving policy implementation guide
- driving safety best practices
- driving safety compliance
- Drug Distribution
- drug free policy
- Drug Middlemen
- Drug Pricing
- drug testing
- duty of care compliance
- E&O
- E&O insurance for contractors
- E&O risk management
- ease
- economic forecasting
- economic impact study
- economic issues
- economic reality test
- effective forklift safety programs
- effective safety KPIs
- EHS metrics
- electric vehicle insurance
- electrical equipment protection
- electrical safety standards
- electrical surge mitigation
- electrical surge prevention
- electrical system security
- electronic recordkeeping
- electronically file form 5500
- email security
- emergency communication plan
- emergency evacuation plan
- emergency preparedness kit
- employee attraction and retention
- employee benefits
- employee benefits 2025
- employee benefits communication
- employee benefits education
- Employee benefits enrollment
- employee benefits open enrollment
- employee benefits strategies 2025
- employee cell phone restrictions
- employee classification
- employee compensation
- employee cybersecurity training
- employee driving conduct policy
- employee driving safety guidelines
- Employee Empowerment
- employee engagement
- employee experience
- employee handbook
- employee health benefits
- Employee injury packet
- employee management
- employee or independent contractor classification
- employee promotions
- employee protection
- employee retention
- Employee retention strategies
- employee safety
- employee safety engagement
- employee safety training
- employee safety training effectiveness
- employee security awareness
- employee travel safety
- employee well-being initiatives
- employee wellness
- employee wellness trends
- employer compliance
- employer compliance considerations
- employer coverage
- employer healthcare benefits
- employer liability for distracted driving
- employer safety protocols
- employer safety responsibilities
- employer sponsored group health plan eligibility
- employment law
- employment practices
- employment trends
- employment-based health insurance
- enforcement policies
- epl risk
- equipment maintenance alternative
- equipment maintenance insurance
- equipment theft statistics
- eric himmelberg
- ERISA
- errors and omissions
- essential emergency supplies
- evacuation plan
- ex mod
- excavation
- excavations
- excess and surplus markets
- excess liability
- excess split point
- Exchange
- executive benefits
- executive leadership
- executive team update
- expansion of ACA's contraceptive mandate
- expatriate insurance coverage
- expense reimbursement fraud
- experience mod
- experience mod changes 2024
- explanation of benefits
- extra expense
- extreme temperature workplace injuries
- EY research
- Ezra Schlecht
- facility risk assessment
- facility safety measures
- fair labor standards act
- fake verification scam
- fall protection
- fall safety precautions
- family emergency plan
- Family Health Insurance
- family tornado safety plan
- family-building benefits
- FAQs of paid sick leave
- Fatal injury rates
- fatal motor vehicle
- Fatal work injuries
- federal exchange
- Federal Trade Commission
- fertility benefits
- fidelity insurance
- fiduciary
- fiduciary insurance
- filing a claim
- financial risk
- financial wellness
- fines
- fire safety
- firearm insurance
- firework injury
- firework safety
- first party cyber coverage
- first responder protection
- flash flood safety
- fleet management data
- fleet operators
- fleet programs
- fleet safety management
- fleets
- flood
- flood damage insurance claims
- flood damage prevention
- flood emergency plan
- flood evacuation plans
- flood insurance
- flood mitigation techniques
- flood preparedness
- flood protection strategies
- flood recovery tips
- flood risk assessment
- flood safety
- flood warning response
- flood zone information
- FMCSA driver violations
- FMCSA out-of-service order
- FMLA
- Foreclosure risks
- foreign auto liability
- foreign medical facilities
- foreign travel risk management
- forklift hazard identification
- forklift operator certification
- forklift operator qualifications
- forklift safety compliance
- forklift safety management
- Forklift training evaluation
- forklift training frequency
- forklift training resources
- form 5500 deadline
- form 5500 extension
- form 5500 penalties
- free mental health resources
- frozen brakes
- FSA 2025
- FTC Report
- full time
- full-time equivalents
- fully insured vs self insured
- future premium increases
- gag clause
- gag clause attestations
- gag clause prohibition requirements
- GDP effects
- general industry safety
- general liability claims
- global business protection
- global liability protection
- Grant Huck
- grant insurance
- ground lighting
- grounding systems
- group benefits
- group benefits gretna
- group benefits lincoln
- group benefits omaha
- group benefits work reclassification
- group health plan eligibility
- Gun Liability
- hail damage claims
- Hales insurance rankings
- Hales Report
- Hales Top 100
- hand-held devices
- hands-on forklift training
- hard market
- hazard communication
- hazard communication compliance
- hazard correction timeline
- hazard lighting
- Hazard Prevention
- hazard recognition
- hazardous communication standards
- hazardous materials handling
- HazCom 7th edition
- HazCom training
- HDHP
- HDHP 2025
- hdhp design
- hdhp hsa
- HDHP Limit
- Health care
- health care costs
- health care reform
- health coverage
- health coverage continuation
- health coverage trends
- health insurance
- health insurance compliance
- health insurance coverage
- Health insurance enrollment
- health insurance exchanges
- health insurance subsidies
- Health Law
- health network options
- health outcomes
- health plan compliance
- health plan compliance issues 2024
- health plan compliance rules
- health plans
- Health savings account
- health savings accounts
- healthcare data protection insurance
- healthcare economics
- Healthcare Industry
- Healthcare Policy
- Healthcare Reform
- Healthcare Regulation
- Healthcare Transparency
- heat illness prevention
- heat injury OSHA
- heat-related work injuries
- heavy equipment training standards.
- help employees become safe drivers
- hgh hazard industry requirements
- high current premiums
- High Deductible Health Plan (HDHP)
- high deductible health plans
- high deductible health plans with health savings accounts
- high reinsurance
- high-deductible health plan
- high-hazard industries
- high-visibility PPE requirements
- higher auto insurance costs
- highway safety protocols
- highway worker protection
- hire safe drivers
- hired automobile liability
- hiring
- hiring tower service contractors
- Hispanic worker safety
- holding shares
- holiday security planning
- home flood protection
- home insurance
- home protection tornado
- home storm protection
- homeowners
- homeowners insurance tornado coverage
- homeowners insurance trends
- how are workers classified
- how to choose cyber insurance
- how to handle an accident
- How to prepare for open enrollment 2026
- HR
- HR advice
- HR communication strategies
- HR compliance
- HR experts
- HR hotline
- HR resources
- HR service
- HR services
- HR solutions
- HSA
- HSA 2025
- hsa advantages
- HSA contribution limit
- hsa contribution limits
- HSA contribution limits 2026
- hsa eligibility
- HSA Limit
- hsa tax-free contribution
- human resource experts
- human resources
- ICHRA administration
- ICHRA advantages
- ICHRA benefits
- ICHRA cons
- ICHRA eligible
- ideal enrollment timeline
- Identity Theft Protection
- Identity Verification
- IIABA
- illness prevention OSHA
- implement a dash cam policy
- in-house training programs
- incident investigation
- Incident Prevention
- inclusive work environment
- increase in capacity
- increased construction costs
- increased contribution limits
- indemnity
- independent agent
- independent contractor benefits
- independent contractor rule
- Independent Insurance Agency
- independent insurance agent
- independent insurance broker
- Individual Health
- Individual marketplace
- Industrial accidents
- industrial equipment certification
- industrial equipment operation
- industrial equipment safety
- industrial safety measures
- industrial vehicle safety
- industry influence
- industry leadership
- industry recognition
- Industry safety trends
- info-stealer
- Information Security
- information security insurance
- information technology
- Injury and Illness Submission Expansion Requirements
- Injury management
- injury reduction strategies
- Injury reporting procedures
- Injury Tracking Application
- inland marine
- Insurance
- insurance advisors
- insurance affordability strategies
- Insurance agency
- insurance broker
- insurance broker advancement
- insurance broker guidance
- insurance broker Lincoln
- insurance broker rankings
- insurance broker revenue growth
- insurance broker success
- insurance brokerage
- insurance brokerage achievements
- insurance brokerage news
- Insurance brokers
- insurance capacity
- insurance careers
- insurance claim validity.
- Insurance claims
- insurance claims management
- insurance claims process
- insurance concerns 2023
- insurance cost control
- Insurance coverage
- insurance coverage disputes
- insurance coverage gaps
- insurance coverage strategies
- insurance customer experience
- insurance declarations page
- insurance discounts
- insurance documentation
- insurance expertise
- insurance for older buildings
- insurance increases
- Insurance industry
- insurance industry forecast
- insurance industry insights
- insurance industry leadership
- insurance industry news
- insurance industry rankings
- insurance industry recognition
- insurance industry trends
- Insurance Lincoln
- insurance market
- insurance market conditions
- insurance market index
- Insurance market report
- insurance market research
- insurance market trends
- insurance nebraska
- insurance omaha
- insurance partners
- insurance partnerships
- insurance policy endorsements
- insurance policy limitations
- insurance policy period
- insurance policy review
- insurance policy tips
- insurance premium change
- insurance premium changes
- insurance premium increases
- Insurance premiums
- insurance pricing
- insurance professional
- insurance professionals
- insurance promotion
- insurance protection
- insurance rate changes
- insurance recommendations for fleet vehicles.
- Insurance Regulation
- insurance risk assessment
- insurance risk management
- insurance risk reduction
- insurance solutions
- insurance team
- insurance technology
- Insurance Trends
- insuring teen drivers
- insuring vacant building
- insurtech
- interactive safety training
- interior room shelter
- Internal revenue code
- international business insurance
- international business travel insurance
- international emergency evacuation
- international risk assessment
- international roadcheck 2024
- international workers compensation
- internet for all
- internet insurance
- internet security tips
- IoT security construction
- IRS
- isolved COBRA
- IT security awareness.
- IT security insurance
- jack-knifing
- JD Power and associates
- Jerod Vetrovsky
- job descriptions
- jobsite hazard management
- jobsite intelligence platforms
- jobsite mental health support
- jobsite security solutions
- Joe Roberts
- Jonah Cohen
- judicial reforms
- Julie Busekist
- June safety observance
- jury attitudes
- Justin Lewandowski
- Karla Wilson
- key employee insurance
- key person benefits
- key person disability
- kidnap and ransom insurance
- Labor Department report
- Labor shortages
- ladder maintenance
- ladder safety
- lagging safety indicators
- lawsuits
- LeaAnn Moore
- Leadership
- leadership announcement
- leadership appointments
- leadership development
- leadership engagement
- leadership promotion
- leadership team
- leadership update
- leading insurance brokers
- leading safety indicators
- leave law developments
- legal compliance
- Legal representation in workplace injuries
- legal risk
- legal strategy
- Legislative Conference
- liability claims
- Liability concerns
- Liability insurance
- liability management
- liability reduction
- life insurance
- lightning strike protection
- limits for 2025
- Lincoln best places to work
- Lincoln Nebraska
- lithium battery safety
- lithium-ion battery safety
- litigation impact
- litigation risks
- litigation trends
- Long Term Care insurance
- long term wellness
- long-term vision
- loss
- Loss Control
- low mileage discount
- LTC
- LTIR tracking
- Lynxx
- Lynxx Networks
- maintenance contracts
- malware installation
- malware prevention
- malware protection insurance
- malware scam
- managing health care costs
- manual distraction
- manufacturing cyber protection
- manufacturing safety performance
- manufacturing safety procedures
- Marika Brack
- Market analysis
- market cycle
- Market moderation
- market outlook
- Market Reports
- market softening
- market survey
- Market trends
- Mary Savage
- material challenges
- material handling safety
- material transportation
- Matt Gilbert
- maximum HSA contribution limit
- MDRT
- medical only
- Megan Hatch
- mental fitness
- Mental health in construction
- mental health ROI construction
- mental health safety integration
- mental health training programs
- mental health workplace benefits
- Mick Sibbel
- mid-market insurance broker
- Midlands Financial
- Midwest tornado preparedness
- Minnesota
- Mitch Friehe
- mobile device policy for drivers
- motor vehicle exposures
- motor vehicle records
- motor vehicle safety
- motor vehicle safety policies
- Mployer award
- MTA
- Multi Factor Authentication
- multifactor authentication
- MVR
- MVRs for authorized drivers
- named perils policy
- Nancy Koenig
- Nate Fisher
- National Safety Month
- natural disaster preparation
- natural disaster preparedness
- NCCI
- NCCI Experience Modification Changes
- NCCI study findings
- Neal Lyons
- near-miss reporting systems
- Nebraska
- Nebraska business news
- Nebraska business success
- Nebraska flood resources
- Nebraska Healthy Families and Workplaces Act
- Nebraska insurance
- Nebraska insurance broker
- nebraska law 2025
- Nebraska paid sick leave law
- Nebraska safety professional
- Nebraska Society of CPAs
- Nebraska tornado safety
- negligent hiring
- negligent hiring claims
- negligent retention
- negligent supervision
- negligent training
- network security construction
- network security policy
- new health plan transparency requirements
- New hires
- new OSHA recordkeeping rule
- NHFWA
- Nikki Bruns
- NOAA weather radio
- Noah Kulhanek
- non-insurance contract
- non-owned automobile liability
- Non-owned liability
- nonprofit
- Norfolk Nebraska
- North Lincoln construction theft
- NPRM amendments
- NSC National Safety Month Topics
- NSC safety campaign
- nuclear verdicts
- occupational driving safety
- Occupational Health
- occupational health and safety
- Occupational safety
- occupational safety regulations
- October cybersecurity
- October security checklist
- omaha insurance
- on-road safety data
- Online Safety
- Open Enrollment
- Open enrollment 2026
- open enrollment communication strategy
- open enrollment period
- open enrollment preparation
- open enrollment template
- open enrollment timeline
- operational foundation
- operational risk assessment
- operational risk management
- operational strategy
- operations exposure
- organizational commitment
- organizational growth
- OSHA
- OSHA Authorized Trainer
- OSHA citation
- OSHA compliance
- OSHA compliance for forklifts
- OSHA compliance for roadside workers
- OSHA compliance guidance
- OSHA compliance history
- OSHA debt collection procedures
- OSHA Electronic Data Submission
- OSHA electronic submission Form 300 and 301
- OSHA Field Operations Manual update
- OSHA flood safety
- OSHA forklift requirements
- OSHA GHS revision
- OSHA HazCom updates
- OSHA high hazard industries
- OSHA Injury Tracking Application
- OSHA inspection preparation
- OSHA ITA
- OSHA ITA Coverage Application
- OSHA NPRM
- OSHA penalty guidelines
- OSHA penalty schedule
- OSHA penalty structure
- OSHA PPE
- OSHA regulatory changes
- OSHA rules
- OSHA safety requirements
- OSHA safety standards
- OSHA small business assistance
- OSHA small employer relief
- OSHA updates
- osha violations 2023
- osha violations 2024
- Out-of-pocket maximums 2026
- outdoor worker protection
- Outstanding CPA in Business & Industry
- over-the-road
- overseas medical coverage
- owner-operator insurance
- P&C insurance
- paid leave laws
- partnership approach
- Password Security
- pedestrian safety children
- penalty
- Penalty Calculation
- penalty payment plans
- penalty reduction eligibility
- perfect benefit package
- Permanent disability claims
- personal insurance
- personal insurance advisor
- Personal Lines
- personal property protection
- personal protective and life-saving equipment
- personal protective equipment
- personal risk advisor
- personalized and flexible benefits
- pet safety
- Pharmaceutical Supply Chain
- Pharmacy Benefit Managers
- phishing
- phishing attack
- phishing attack prevention
- phishing attack protection
- phishing attacks construction
- phishing scam prevention
- physical damage insurance
- physical security measures
- plaintiff-friendly environment
- Platinum Partner
- Platinum Partner agency
- post-accident car seat replacement
- post-COVID workplace safety
- post-tornado safety
- power fluctuation defense
- power quality management
- power surge damage prevention
- Power surge protection
- power surge risks
- powered industrial truck training
- PPE construction standard
- PPE regulations
- PPE requirements
- PPO
- pre-employment investigation
- preferred provider organization
- premises liability
- premium increases
- premium moderation
- Premium rates
- premium trends
- preparing for winter driving
- Prescription Costs
- prescription drug reporting
- Prescription Drugs
- prevent data breaches
- preventing distracted driving claims
- preventing forklift accidents
- preventing hail damage
- preventing material theft
- preventing water loss
- primary split point
- privacy breach insurance
- private client advisor
- private client advisor omaha
- private client insurance
- private client insurance lincoln
- private client insurance omaha
- private insurance
- professional achievement
- professional advancement
- professional growth
- professional insurance services
- professional liability
- professional services
- professional services cyber insurance
- promotion
- promotions
- proper vehicle maintenance
- property
- Property and casualty
- property and casualty insurance
- property claim
- property damage
- property damage claims process
- property in transit coverage
- Property inspection
- property insurance
- property insurance claim
- property insurance claims
- property insurance essentials
- property insurance exclusions
- property insurance requirements
- property insurance review
- property insurance tips
- property loss prevention
- Property maintenance
- property owner insurance
- Property ownership responsibilities
- Property protection
- property replacement costs
- property risk management
- property value protection
- proposed overtime law
- proposed overtime rule
- protect company data
- protect your vacant building
- protecting against malware
- protecting commercial property
- protecting company data
- protecting property from floods
- protecting your home from tornadoes
- protecting your vehicle
- psychological safety construction sites
- psychology in insurance
- Q1 2025
- Q3 2025
- Q4 2024
- Q4 2025
- qualified health insurance
- qualified transportation benefits
- qualifying events and required documentation
- qualifying life event checklist
- quick-fix credit program
- ransom payment
- ransomware
- ransomware attacks construction
- ransomware insurance
- rate fatigue
- Ready.gov flood guidelines
- Real estate security
- real-time safety monitoring.
- real-time security alerts.
- reclassification compliance requirements
- reclassification employers and group health plan
- recordkeeping and reporting rule
- reducing driver distractions
- reflective gear importance
- reform
- regulate pharmacy benefit managers
- regulatory compliance
- regulatory compliance insurance
- regulatory landscape
- regulatory monitoring
- regulatory oversight
- regulatory shifts
- regulatory standards
- reinsurance market
- reinsurance supply and demand
- report phishing
- required contribution percentage
- respiratory protection
- retail cyber security coverage
- retain employees
- Retirement
- return to work
- Return to work programs
- Ric Stoakes
- Risk Advisor
- risk advisors
- risk analysis
- Risk assessment
- Risk Consultant
- risk management
- risk management and consulting services
- risk management for roadside operations
- risk management for telecommunications
- risk management machanism
- risk managment
- risk mitigation for company vehicles
- risk mitigation technology
- Risk Reduction
- risk transer
- risk transfer
- risk transfer checklist
- road construction safety
- road safety fall
- roadside accident prevention
- roadside collision prevention
- roadside emergency protocols
- roadside equipment safety
- roadside hazards prevention
- roadside inspections
- roadside safety equipment
- roadside violence prevention
- roadside visibility solutions
- roadside worker injury prevention
- Roadside worker safety
- roadside worker training
- Roadway Safety
- roadway safety prevention
- Rob Burkett
- rural broadband
- Ryan Swinton
- safe driving policies
- safe driving practices for employees
- safe driving tips
- Safe harbor
- safely operate aerial lift devices
- safety
- safety accountability strategies
- safety and loss control
- Safety and Loss Control Consultant
- safety and profitability
- safety audit protocols
- Safety Awareness
- Safety Best Practices
- Safety Committee
- safety compliance best practices
- safety compliance resources
- safety consultant
- safety consultation
- safety consulting
- Safety Culture
- safety culture improvement
- safety culture in construction
- safety dashboards
- safety data analytics
- safety education
- Safety Engagement
- safety fitness determination
- safety fitness of motor carriers
- safety habit reinforcement
- Safety Innovation
- Safety Leadership
- safety leadership metrics
- safety management
- safety management systems
- safety management technology
- safety measurement system
- Safety metrics that matter
- safety observation techniques
- safety performance tracking
- safety practices
- safety professional guidance
- safety program development
- safety program updates
- safety recognition programs
- safety regulation compliance
- Safety regulations
- safety resources
- safety standards
- Safety training
- safety training effectiveness
- safety training implementation
- safety training resources
- safety violation penalties
- safety violations
- safety visibility children
- sample corporate driving policy
- Sasquatch
- scaffolding safety
- school crossing safety
- school transportation safety
- school zone safety
- scope of distracted driving
- Scot Blehm
- Sean Krueger
- Seasonal property
- Seasonal safety tips
- seasonal vehicle care
- Section 6055 reporting
- Section 6056 reporting
- Secure Login
- security best practices
- self-insured health plans
- severe storm preparation
- severe weather
- severe weather insurance coverage
- severe weather preparation
- severe weather preparedness
- severe winter conditions
- Shane Ideus
- shareholder directors
- shareholders
- sharing risk burden
- shifting potential liability
- shipping
- show employees they are valued
- sinkhole coverage
- sinkhole insurance claim
- sinkhole insurance coverage
- sinkhole warning signs
- site hazard control
- site inspections
- site-specific safety plan
- skidding
- skilled labor shortage
- slip and fall prevention
- Slips and falls prevention
- Slips Trips and Falls
- small business
- small business cyber
- small business cyber insurance
- small business cyber protection
- small business fiduciaries
- small business fiduciary insurance
- small business insurance
- small business safety compliance
- small-business owner cyber
- smart home devices
- SMART safety goals
- social engineering fraud coverage.
- social engineering insurance
- social inflation
- soft markets
- softening market
- software security updates
- solar-powered security cameras
- sparkler safety
- SPD installation
- specialty goods
- specialty medications
- split point
- spooky cyber threats
- Stacey Schafer
- state-level regulations
- Steve Robeson
- storm business interruptions
- storm damage documentation
- storm damage protection
- strategic leadership
- strategic partnership
- strong password practices
- subcontractor communication
- suicide rates construction workers
- supervisor safety training
- supply chain cyberattacks
- surge protection devices
- suspicious activity reporting
- Tags for this blog post: insurance market premium trends
- tags: Business Insurance
- tags: Cyber Liability
- tags: Management Liability
- tags: Voluntary Benefits
- tailored benefits offerings
- talent management and leadership
- TalkDown security features
- tax deductible
- tax exclusion
- Tax Liability
- tax policy
- Tax reform
- team achievement
- Team Collaboration
- team growth
- team integration
- technology
- technology errors and omissions
- technology shifts
- teen driver safety
- telecom
- telecom industry
- telecom insurance
- Telecommunications
- telecommunications division
- telecommunications equipment protection
- telecommunications industry
- telecommunications infrastructure protection
- telecommunications insurance
- telecommunications lighting
- telecommunications vehicle fleets
- telematics cost benefit
- telematics insurance
- telemedicine
- temperature impact on workplace safety
- temperature safety guidelines
- Temporary disability claims
- temporary walkways safety
- Terrorism Insurance
- texting while driving
- The Council of Insurance Agents & Brokers
- theft prevention measures
- third party liability cyber insurance
- third party litigation funding
- third-party property insurance
- threat analysis
- Tips for increasing employee participation in open enrollment
- TMT industry
- Tom Champoux
- Tom Greco
- Tony Rasmussen
- toolbox safety talks
- top 10 osha violations 2024
- top benefits consultants 2025
- top brokerage
- top insurance brokers 2025
- top insurance brokers nebraska
- tornado aftermath cleanup
- tornado damage claims process
- tornado damage insurance claims
- tornado emergency supplies
- tornado insurance coverage
- tornado insurance deductibles
- tornado preparation checklist
- tornado preparedness
- tornado preparedness guide
- tornado recovery assistance
- tornado risk assessment
- tornado safe room
- tornado safety checklist
- tornado safety for families
- tornado safety guide
- tornado season preparation
- tornado shelter at home
- tornado shelter options
- tornado shelter requirements
- tornado survival tips
- tornado warning signs
- tornado-proof home features
- tornado-resistant construction
- tow truck driver protection
- tower climbers
- tower service contractors
- tower site safety
- towing
- TPLF
- Tracy Alexander
- traditional health plans
- traffic safety for highway workers
- transfer risk
- transportation and parking benefits
- transportation industry safety
- transportation network security
- transportation safety
- travel risk policy
- trench safety
- Trench Safety Stand Down Week
- trenching
- trenching and excavation
- trends in E&O insurance
- TRIR measurement
- Truck Driver
- Truck Insurance
- truck telematics
- trucking cybersecurity
- Trucking Insurnace
- trust contractor
- trusted advisor
- Turner Construction mental health
- Two Factor Authentication
- UFG
- UL certified surge protectors
- umbrella coverage
- underinsured
- Understanding health insurance terms for open enrollment
- Underwriting
- UNICO
- UNICO advisors
- UNICO Group
- UNICO Group CEO
- UNICO Group insurance
- UNICO Group insurance solutions
- UNICO Group risk insights
- UNICO Group safety insights
- UNICO Group workers' compensation
- UNICO growth
- UNICO HR
- UNICO HR Solutions
- UNICO insurance
- UNICO MIDLANDS
- UNICO news
- UNICOMP
- uninsured
- uninsured contractors
- United Fire Group
- UNITEL
- UNITEL Assocations
- UNITEL HR Solutions
- Unitel Insurance
- UNITEL insurance solutions
- updated property valuations
- US insurance brokers
- US labor statistics
- usage-based auto insurance
- User Authentication
- user education
- utility locates
- utility worker safety
- vacant building insurance
- Vacant home security
- Vacant property insurance
- value of employee benefits
- vandalism coverage
- Vandalism prevention
- vehicle safety checklist
- vehicle usage policy
- visual distraction
- Volunteer
- waiver of subrogration
- walking-working surfaces
- warehouse safety protocols
- warehousing cold weather risks
- water damage
- water damage protection
- water damage response plan
- water losses
- waterproofing homes
- Wayne State College
- ways to fight cyber attack
- weather alert systems
- Weather damage
- weather emergency planning
- weather hazard mitigation
- weather monitoring systems
- weather-related workplace hazards
- wellness
- wellness committee
- wellness program
- wellness programs
- What employees need to know about HDHPs
- what is the d-ratio
- when is contractual risk transfer used
- wind damage insurance
- winter driving
- winter driving kit
- winter driving precautions
- winter driving safety
- winter vehicle safety
- winter weather preparedness
- winter workplace hazards
- wireless jobsite cameras
- Wisconsin
- WISPA
- women in insurance
- women in leadership
- work comp
- work comp experts
- work environment
- work-related fatality prevention
- Workcomp advisor
- worker classification
- worker compensation risk management
- Worker protection
- worker safety
- Workers comp claim process
- Workers compensation best practices
- Workers compensation cost reduction
- Workers compensation costs
- workers compensation decreased
- workers compensation experts
- workers' comp risk management
- Workers' Compensation
- Workers' compensation claims
- workers' compensation insurance
- workforce impacts
- workforce planning
- workforce protection
- workforce well-being
- workplace accident prevention
- workplace benefits
- workplace driving regulations
- workplace driving safety rules
- workplace emergency
- workplace emergency evacuation plan
- Workplace fatalities
- workplace hazard abatement
- workplace hazard awareness.
- workplace hazard communication
- workplace hazard prevention
- Workplace hazards
- workplace housekeeping
- workplace incident prevention
- Workplace injury communication
- Workplace injury prevention
- workplace law
- workplace mental health
- Workplace regulations
- workplace risk
- workplace risk assessment
- workplace risk management
- workplace road safety management
- Workplace Safety
- workplace safety awareness
- workplace safety best practices
- workplace safety compliance
- workplace safety culture
- workplace safety evaluation
- workplace safety improvements
- workplace safety in extreme weather
- workplace safety incentives
- workplace safety management
- workplace safety measurement
- Workplace safety measures
- workplace safety resources
- workplace safety seasons
- workplace safety standards
- workplace safety statistics
- workplace security audit
- workplace stress management
- workplace vehicle accident prevention
- worksite benefits
- WTA
- zero damage
- zone approach protection
November 19, 2025
Categories
Q3 2025: Commercial property premiums soften for the first time since 2017, reflecting increased market capacity and improved reinsurance conditions.
Do you like it?