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Education Blog

The Hard Market: What Can You Do?

In a previous post we covered the factors leading to the current ‘hard market’ in the insurance industry (read it here). Essentially, this year has seen an overall tightening of the market, with premiums going up and insurers less willing to take on new risks. The factors resulting in the current state of affairs are…

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WHY is it a “Hard Market”?

By now you might have heard that in the always cyclical insurance industry, this year has marked the return of a ‘hard market.’ Also called a seller’s market, a hard market essentially boils down to a more difficult proposition for insureds: premiums are higher, underwriters have less appetite for taking on new risks, and there’s…

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Cybercrime and Your Benefits Plan

With cybercrime front and center in the news again thanks to the ransomware attack that closed Baltimore County’s public schools, it’s a good time to take a new look at the risks and how to mitigate them. While many organizations focus their attention on their operational data – and rightly so – there’s another very…

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