Markets

Workers compensation is regulated at the state level, and even occasional or incidental work across state lines can result in coverage gaps if policies are not properly structured.

As the healthcare market continues to expand, it is facing significant shifts driven by cost pressures, policy changes and increased regulatory scrutiny.

Smart investments in facilities, safety and technology can reduce losses and improve insurance outcomes. Agents play a key role in guiding these decisions.

As older workers stay in the workforce longer, a more complex risk profile is emerging—reshaping injury, increasing severity and forcing carriers to rethink underwriting and rating.

Aging buildings drive costly losses. Learn how risk-informed capital planning helps schools reduce water, fire and liability claims while improving safety and resilience.

As hurricane season begins, many insurance advisors are spending more time having flood conversations with homeowners living outside traditional coastal markets.

“Many high net-worth clients are buying properties and vehicles in high-risk areas, such as California, Florida and Colorado,” says independent agent Amy Hruska.

Workers aged 60 and older represent the fastest-growing segment of the labor force, and their increasing presence continues to impact the workers compensation market.

Aging buildings drive costly losses. Learn how risk-informed capital planning helps schools reduce water, fire and liability claims while improving safety and resilience.

While stable, the workers compensation market is facing underlying pricing pressures that are set to adversely impact the market nationwide.