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News
Before the Inspector Shows Up: What a Proactive Safety Review Actually Saves You
Site safety ownership usually sits with leadership on paper. On the ground, it often looks different: area supervisors who are engaged in production but not consistently walking their own area with a safety lens between the annual review and the next one. Site safety solves for more than incidents. Construction already has a labor shortage,…
SECURE 2.0 Plan Amendment Deadline: December 31, 2026
Two SECURE 2.0 tasks get confused constantly, and the confusion is structural rather than careless. The first is operational. Starting January 1 of this year, participants earning above a prior-year wage threshold were required to make any catch-up contributions as designated Roth contributions. Payroll and your recordkeeper handled the mechanics of that, or were supposed…
Marshall+Sterling Expands into the Bronx with the Acquisition of Morea Agency
Founded in 1966, the Bronx-based firm brings 60 years of client service across New York, Connecticut, New Jersey and Pennsylvania to Marshall+Sterling. Marshall+Sterling, a top 50 U.S. insurance brokerage and 100% employee-owned risk solutions partner, today announced the acquisition of Morea Agency, LLC of the Bronx, New York, effective October 1, 2026. The addition expands…
The Real Cost of a 60-Day Renewal Scramble
Sixty days before renewal is when most employer benefits relationships finally activate. A broker reaches out, claims data gets pulled together for the first time in months, and a plan takes shape under real time pressure. It’s a familiar rhythm, and it’s also a genuinely expensive way to run a benefits program, even though the…
The Subcontractor Certificate Gap That Costs Contractors the Job
Winning the bid and being covered for it are not always the same thing. Some of the most expensive mistakes on a job site have nothing to do with the work itself. Key Takeaways Why a Certificate on File Isn’t the Same as Coverage Most contractors track subcontractor compliance through a certificate-tracking spreadsheet: a document…
NY Secure Choice vs. 401(k): What Employers Should Know Next
If you registered for New York’s Secure Choice program this year, you met a state requirement on a timeline that wasn’t generous. A meaningful number of employers didn’t manage that. So the compliance question is closed. What’s worth thirty seconds of attention now is a different question: what does the program actually do, and is…
Too Small to Self-Fund Is a Sales Line, Not a Fact
Most employers under 500 employees have heard some version of the same line at some point: you’re too small to self-fund. It’s usually delivered with real confidence, by someone who sounds like they know the market. It’s also usually wrong, or at minimum, a much narrower truth than it’s presented as. Key Takeaways Why the…
Why Consistent Training is Your Campground’s Best Risk Control
Every campground season brings new staff, new guests, and new ways for a routine day to turn into a serious incident. A recent case shows just how high the stakes can be, and why training can’t be treated as a one-time checkbox. Key Takeaways When an Incident Becomes an Investigation A 70-year-old employee suffered a…
Growth Is a Coverage Event, Not Just a Renewal Date
New project types, larger contracts, and new subcontractor relationships all change your risk profile the day they happen. Your insurance review usually waits until renewal. That gap is where exposure lives. Key Takeaways Why Growth Outpaces a Standard Insurance Program A program built around last year’s operations doesn’t automatically extend to cover this year’s growth.…
How to Protect Your Campground from Tree Damage Before the Next Storm
Storms are getting more frequent and more intense, and campgrounds sit right in their path: acres of mature trees surrounding sites full of guests and RVs. The good news is that most tree damage is preventable, if you catch the warning signs before the storm does. Trees give warning signs before they fall It’s easy…
The Bonding Question Most Contractors Can’t Answer
Do you know what your bonding capacity would be if a larger project came in tomorrow? Most contractors don’t, and by the time they need the answer, it’s often too late to change it. Key Takeaways How Bonding Capacity Actually Gets Calculated Bonding capacity isn’t a fixed number your surety hands you once. It’s a…
When a Claim Goes Quiet: Why Claims Advocacy Is a Business Decision
“We had a claim and nobody told us anything.” It’s one of the most damaging patterns in construction insurance — not because the accident happened, but because of what happens to your insurance after an incident is reported and no one stays engaged. Key Takeaways What “Going Quiet” Actually Costs A claim that’s reported and…