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Close-up of several cars, parked side-by-side in a large lot, illustrating high-density parking relevant to theft surcharge insurance.

What It Means for Your Coverage

Understanding these surcharge differences is crucial because the insurer you choose can dramatically affect what you pay, sometimes by hundreds or even thousands of dollars per year. Two drivers with the same vehicle and driving history can face very different premiums depending on how their insurer classifies theft risk and what options they offer for […]
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Is It Time to Shop Your Insurance This Year?

Is It Time to Shop Your Insurance This Year?

Many people stay with the same insurance provider year after year without giving it much thought. Insurance can feel like something you set up once and forget about, until renewal time rolls around or a rate change appears. But the start of a new year is often a natural moment to pause and ask an […]
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Understanding Your Property Schedule | INSURICA

Understanding Your Property Schedule | INSURICA

Your property schedule is one of the most important—and often overlooked—documents in your insurance program. While it may look like a simple list of buildings, values, and locations, this schedule plays a critical role in how your coverage responds when a loss occurs. For schools and districts, where campuses evolve constantly and replacement costs continue […]
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Snowmelt Prevention Tips - INSURICA

Snowmelt Prevention Tips – INSURICA

As winter ends and temperatures begin to rise, the accumulating water from melting snow and ice—also known as snowmelt—can lead to significant property damage. Don’t let snowmelt wreak havoc on your home. Review the following guidance for snowmelt prevention recommendations. Clear snow from your home’s foundation. Shovel snow away from your home, including stairwells, window […]
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Eliminate Radon Dangers - INSURICA

Eliminate Radon Dangers – INSURICA

Radon is a naturally occurring radioactive gas produced by the breakdown of uranium in soil, rocks and water. Since the air pressure in a typical home is lower than the pressure in the soil around the foundation, the home acts like a vacuum and draws radon in through cracks in the foundation. Radon exposure can […]
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Supporting Employee Mental Health During Challenging or Traumatic Times

Supporting Employee Mental Health During Challenging or Traumatic Times

During challenging times or traumatic events, organizations can do a lot to support employees. NAMI encourages people to bring their whole selves to work, which includes their mental health. As employers, it’s important to acknowledge what’s happening outside of the workplace, its potential impact on employee wellness, and support employees so that they can continue […]
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AI Powered Benefits Solutions: Navigating Rising Costs in 2026

AI Powered Benefits Solutions: Navigating Rising Costs in 2026

Health benefit costs are projected to rise nearly 9% in 2026, putting significant pressure on employers to balance affordability with employee satisfaction. Against this backdrop, artificial intelligence (AI) is emerging as a transformative tool in the benefits space. By personalizing offerings and automating administration, AI promises to reduce costs while enhancing the employee experience. Personalization […]
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Forklifts play an important role in moving materials safely and efficiently in many workplaces. However, even a simple task like getting on or off a forklift can lead to serious injuries if not done correctly.

Mounting and Dismounting Forklifts – INSURICA

Forklifts play an important role in moving materials safely and efficiently in many workplaces. However, even a simple task like getting on or off a forklift can lead to serious injuries if not done correctly. Common hazards associated with mounting and dismounting a forklift include: Slip, trips and falls Strains and sprains Head injuries from […]
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Commercial General Liability Insurance - INSURICA

Commercial General Liability Insurance – INSURICA

Running a business comes with significant risk. Everyday interactions, such as serving customers, visiting clients or running marketing campaigns, can expose businesses to potential liability. A customer could slip on a wet floor, a contractor could accidentally damage a client’s property, or a marketing campaign could unintentionally harm the reputation of a competitor. Just one […]
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Health & Welfare Benefits Year End Roundup: 2025 Regulatory Highlights

Health & Welfare Benefits Year End Roundup: 2025 Regulatory Highlights

As 2025 draws to a close, employers and benefits professionals face a shifting regulatory landscape that will shape health and welfare programs in 2026 and beyond. This year’s developments underscore the government’s dual priorities: expanding access, modernizing benefit delivery, and balancing compliance with practical flexibility. Below is a roundup of the most significant regulatory highlights. […]
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