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You’ve probably seen businesses in your community earn the coveted “best place to work” awards. Here are five initiatives, programs and ideas that’ll make your employees look forward to their jobs.

Sponsors of 401(k) plans are in an increasingly tenuous position when it comes to overseeing such plans, most of which offer a variety of investment options.

“Everybody likes the water when it’s a beautiful day,” says independent agent Fletcher Willey, president of J. Fletcher Willey Agency, Inc. in Nags Head, North Carolina. “But when the water gets angry, you better have flood insurance.”

If you’re an insurance agent, “April” means “flood.” This year, make sure you share information about premium increases, the Newly Mapped rating procedure and more so your clients aren’t caught unawares.

Less than 1% of homeowners located outside Special Flood Hazard Areas purchase flood insurance. Munich Re’s new inland flood coverage endorsement is a timely opportunity to remind clients how important it is to prepare for a potential catastrophe.

In insurance sales, asking questions can often be more valuable than knowing answers. It’s all about focusing on helping the other person solve a problem.

Although many thought Google Compare would massively disrupt the market, its operation ended less than a year after launch. What does this mean for other disruptors and the rest of the industry?

Remember worrying about whether the U.S. Supreme Court would deem the Affordable Care Act’s provisions constitutional? Today, the uncertainty of the Supreme Court’s future composition has similarly significant business implications.

Primarily applicable to the fields of economics, political science and psychology, game theory originally addressed zero-sum games, in which one person’s gains result in another’s loss.

As more of your clients start to buy cyber coverage, what can you tell them to expect in the years ahead? Cyber for personal lines, plus developments in the cloud and EMV technology—to name just a few upcoming trends.