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When an employer initiates an advisor (broker/consultant) Request for Proposal (RFP), the goal is to determine if a potential advisor is a better fit than their current provider. It’s important organizations look to identify where their current broker is falling short in meeting expectations. Common areas of concern include ...

The basics Under Illinois law, any employers, including employment agencies, are prohibited from soliciting or requesting genetic information from a job applicant as a condition of employment or pre-employment application. Employers are also prohibited from allowing such information to affect the terms, conditions, or privileges of employment. 410 ILCS 513/25 ...

When was the last time you calculated your wind/hail deductible in dollars—not just percentages? Across storm-prone regions, most property insurance policies apply wind/hail deductibles as a percentage of the insured building’s value, not the size of the loss. That distinction is critical. A “2% deductible” on a $50 million ...

In most home care and hospice organizations, employees rely on vehicles to provide essential services to clients in their homes. However, when these vehicles are hired or non-owned—meaning they are personal vehicles or rented rather than company-owned—unique insurance exposures arise that require careful management. Limited control over personal vehicles ...

Even though you may not have heard of “COPE,” it plays a major role in the cost of your property’s insurance. When it comes to insuring your property, the goal is to get broadest coverage at the best possible price. To achieve that, especially commercial real estate, it’s important ...