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Safety & ComplianceManufacturing

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Showing 27 articles

OSHA's Top 10 Violations in Manufacturing: How to Avoid Costly Penalties

Learn about the most common OSHA violations in manufacturing facilities and practical steps to maintain compliance.

Chris Trudeau

Workers' CompensationManufacturing

How Manufacturing Companies Can Reduce X-Mod and Lower Premiums

A comprehensive guide to understanding your Experience Modification Rate and strategies to reduce it over time.

Chris Trudeau

10 min read

Risk ManagementManufacturing

Supply Chain Disruption Insurance: Protecting Your Manufacturing Operations

Why supply chain insurance is critical for manufacturers and how to structure coverage for maximum protection.

Chris Trudeau

Risk ManagementConstruction

Subcontractor Default Insurance: When to Consider SDI vs. Traditional Bonding

Understanding the pros and cons of subcontractor default insurance compared to requiring bonds from your subcontractors.

Workers' CompensationConstruction

Construction X-Mod: How to Lower Your Experience Rating and Win More Bids

A practical guide to reducing your workers' compensation costs while improving your competitive position.

Safety & ComplianceConstruction

OSHA's Focus Four Hazards: Training and Prevention for Construction Sites

Addressing the four leading causes of construction fatalities: falls, struck-by, caught-in/between, and electrocution.

11 min read

ComplianceTransportation

FMCSA Updates for 2026: What Trucking Companies Need to Know

New regulations and compliance requirements affecting commercial motor carriers this year.

Fleet SafetyTransportation

Reducing Trucking Accidents: Technology and Training That Works

How telematics, driver training, and safety programs can lower your accident rates and premiums.

Liquor LiabilityRetail & Hospitality

Understanding Dram Shop Laws: What Every Restaurant and Bar Owner Needs to Know

A guide to liquor liability exposure and how to protect your business from alcohol-related claims.

Corey Kroviak

Cyber SecurityRetail & Hospitality

PCI Compliance and Cyber Insurance: Protecting Customer Payment Data

How to stay compliant with payment card standards and protect against data breach liability.

Corey Kroviak

10 min read

Property CoverageReal Estate

Understanding Ordinance or Law Coverage for Commercial Properties

Why building code upgrades after a loss can cost more than your basic property policy covers.

JVDA

John Von Der Ahe

Product LiabilityWholesale & Distribution

Product Liability for Distributors: Understanding Your Exposure

How distributors can be held liable for defective products and what coverage you need.

Corey Kroviak

Employee BenefitsEmployee Benefits

2025 Affordable Care Act Safe Harbor Calculations

How employers can prove coverage is affordable in 2025 without knowing household income — using the FPL, Rate of Pay, and W-2 safe harbors at the 9.02% threshold.

Tax PlanningLife & Health

Tax Basis vs. Cash Surrender Value: Calculating Capital Gain Exposure

When you surrender or sell a policy, potential tax exposure comes down to one comparison: your tax basis versus the amount you receive. Here is how to estimate it.

Tax PlanningLife & Health

New IRS Rules on Life Settlement Taxes (2026) Guide

In 2026 the IRS refined how gains, basis, and ordinary income are calculated on life settlements. Here is what policyholders and providers need to know.

Employee BenefitsEmployee Benefits

Why Voluntary Worksite Products Benefit Employees Without Costing Employers

Voluntary worksite benefits enhance protection and boost retention — and because employees pay the premiums, they cost the employer nothing to offer.

5 min read

Effect of COVID-Era Mortality Tables on Current Life Settlement Pricing

Pandemic-era mortality assumptions still shape life settlement offers today — not through one table, but through how buyers build buffers and stress-test longevity.

Selling Business-Owned Life Insurance Policies Made Simple

When a corporate-owned or key-person policy no longer fits, selling it can unlock capital. Here is how the process works and what to weigh before you decide.

Instant Life Settlement Value Calculators Made Simple

Instant calculators give a fast, data-driven estimate of what your policy may be worth today. Here is how to use them efficiently and interpret the results.

6 min read

Using 1035 Exchanges Prior to a Life Settlement: Pros and Cons

A 1035 exchange before selling can improve marketability or solve a premium problem — but it can also reduce settlement options. Here are the trade-offs.

ComplianceLife & Health

Navigating State Privacy Rules When Sharing Medical Records with Providers

HIPAA sets the floor, not the ceiling. Many states add extra protections for sensitive records — here is how to share them safely and avoid delays.

Paying Off a Reverse Mortgage with a Life Settlement

For seniors with home equity but limited cash flow, using a life settlement to pay off a reverse mortgage can reduce stress and preserve equity for heirs.

Life Settlements vs. Policy Loan Rollovers: Liquidity Comparison

Both paths turn a policy into cash, but they work very differently. A settlement is a lump-sum exit; loan rollovers keep the policy but add compounding debt.

Tax PlanningLife & Health

How to Reduce Capital Gains After a Life Settlement

Understanding gain, basis, and smart structuring — from timing and trusts to split-funding — can make a meaningful difference in what you ultimately keep.

Estate PlanningLife & Health

10 min read

Life Settlement Options for Trust-Owned Life Insurance (TOLI) Portfolios

For portfolios of trust-owned policies, trustees must weigh fiduciary duties, beneficiary interests, and documentation when converting coverage into cash.

Estate PlanningLife & Health

Trustee Fiduciary Duties When Selling Life Insurance Owned by an ILIT

Selling an ILIT-owned policy is a fiduciary act that must be defensible, well-documented, and consistent with the trust's purpose. Here is a defensible process.

Why Face Amount Reductions May Void Life Settlement Eligibility

Reducing a policy's face amount can lower premiums — but if you might sell the policy later, it can unintentionally eliminate life settlement eligibility.