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When it comes to protecting your business, liability insurance is non-negotiable. But here’s the catch: it can get expensive fast. You want solid coverage without draining your budget. That’s where a liability insurance cost audit comes in. It’s your secret weapon to uncover savings and optimize your policy. Ready to take control? Let’s dive into smart strategies that help you secure affordable business liability insurance without sacrificing protection. Why Conduct a Liabil

Finding Long-Term Solutions Through Transparency Over the past year, I’ve evaluated the financial health of many businesses and noticed a troubling trend: the overwhelming cost of health insurance is making companies financially unwell. This "fever" impacts not only the bottom line but also the well-being of CEOs, CFOs, and, most critically, employees who may lose their jobs as a result. While benefits departments are rightly concerned about increasing deductibles, changing d

Insurance pricing reports often shape expectations for businesses and negotiators alike. The recent WTW pricing survey, which showed an aggregate increase of just above 6 percent in U.S. commercial insurance prices, has sparked conversations about its reliability and practical value. As a professional insurance negotiator, I find this report interesting but also recognize its limitations. This post explores how much weight to give the WTW pricing survey, why discrepancies occ