Employee Benefits in 2026: Aligning Cost, Care, and Workforce Needs
Employee benefits planning often begins with a budget conversation, but it rarely ends there. In 2026, benefits decisions will increasingly sit at the intersection of financial discipline, employee expectations, and operational reality. Employers that approach benefits as a static annual exercise may find themselves reacting to cost increases, utilization surprises, or retention challenges long after […]
What Carriers Will Expect From Cyber Buyers in 2026
Cyber insurance has evolved quickly over the last few years. What once felt like a niche or optional coverage is now a core part of many insurance programs. As 2026 approaches, carriers are no longer asking whether a business has cyber insurance. They are asking how seriously that business manages cyber risk. For buyers, this […]
Subcontractor Risk in 2026: The Hidden Exposure That Determines Project Success
Every construction project relies on subcontractors. They bring specialized skills, fill workforce gaps, and help projects stay on schedule. Yet subcontractors also introduce one of the most underestimated sources of risk. When subcontractor oversight slips, even in small ways, the impact often shows up later in the form of delays, disputes, cost overruns, or insurance […]
What CFOs Should Prioritize in Their 2026 Insurance and Risk Budget
As CFOs finalize budgets for 2026, insurance remains one of the categories with the most opportunity for meaningful improvement. Premiums represent only part of the financial picture. Claims performance, data quality, contract structures, and operational changes all influence future costs and coverage availability. The market is more stable than it has been in recent years. […]