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Understanding Home Renovation Risks - INSURICA

Understanding Home Renovation Risks – INSURICA

Whether you’re building a new home addition, adding a feature like a swimming pool, redoing a bathroom or upgrading an electrical system, understanding and addressing possible renovation risks is critical. 5 Key Renovation Considerations In the lead-up to your project, your broker can help review potential risks and concerns that may require attention. Specifically, you’ll […]
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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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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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Keeping Our Workplace Violence-Free - INSURICA

Keeping Our Workplace Violence-Free – INSURICA

Although we do our best at to keep the workplace safe, violence inflicted by an outsider or between employees remains a serious safety and health issue. It can occur inside or outside the workplace and can range from threats and verbal abuse to physical assaults and homicide. In fact, according to the United States Department […]
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2025 Open Enrollment Checklist | INSURICA

2026 Open Enrollment Checklist | INSURICA

To prepare for open enrollment, employers that sponsor health plans should be aware of compliance changes affecting the design and administration of their plans for plan years beginning on or after Jan. 1, 2026. These changes include limits adjusted for inflation each year, such as the Affordable Care Act’s (ACA) affordability percentage and cost-sharing limits […]
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The Hazards of Biofuels - INSURICA

The Hazards of Biofuels – INSURICA

As a fast-growing part of the energy sector, the biofuel industry has become an attractive place to work and invest. To protect your company in the biofuel industry, it is essential to recognize potential workplace hazards of biofuels and their production processes, and take steps to protect workers from harm. In addition to common workplace […]
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2026 Employer Mandate Update | INSURICA

2026 Employer Mandate Update | INSURICA

In July 2025, the IRS released new guidance increasing both the affordability percentage and penalty amounts under the Affordable Care Act’s employer mandate for the 2026 plan year. These changes will affect how Applicable Large Employers (ALEs) determine affordability and assess compliance risk moving into the next benefits cycle. For plan years beginning in 2026, […]
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