Generated by All in One SEO v5.0.0.1, this is an llms.txt file, used by LLMs to index the site.

# McGriff

A Leader in Insurance

## Sitemaps

- [XML Sitemap](https://mcgriff.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Tired and Uncomfortable Drivers: How Fatigue and Ergonomics Increase Fleet Risk](https://mcgriff.com/resources/articles/tired-uncomfortable-drivers/) - Driver fatigue and poor cab ergonomics can significantly increase crash risk, injury costs, and turnover. Learn key warning signs, contributing factors, and practical prevention strategies for fleet safety.
- [Large Verdicts and Settlements](https://mcgriff.com/resources/white-papers/large-verdicts-settlements/) - Summary The insurance market continues to be challenging, with persistent rate increases and rising claims costs. Third-party litigation funding, anti-corporate bias, and nuclear verdicts are exacerbating claims severity in the industry. Read this detailed summary of key verdicts from 2020-2025. Read the Summary (PDF)
- [As Data Center Demand Accelerates, Utilities Face a New Risk Landscape](https://mcgriff.com/resources/articles/data-center-demand-utilities-risk-landscape/) - Data center growth is reshaping utility risk, from delivery delays and outage exposure to contract structure, replacement power costs, and insurance strategy.
- [McGriff National Webinar Series](https://mcgriff.com/resources/webinars/national-webinar-series/) - About the Webinar Series Webinars typically take place on the third Thursday of every month at 2:00 p.m. Eastern time. Each webinar lasts approximately 60 minutes. Registration links are provided below with each webinar; a confirmation email will be sent to the email address provided. Reminder emails will be sent 24 hours and one hour
- [Essential Insights into Workers’ Compensation Part B](https://mcgriff.com/resources/webinars/workers-comp-part-b-employers-liability-vs-general-liability/) - Workers' Comp Part B (Employers' Liability) webinar: who can file, what claims it covers vs. General Liability, key GL exclusions, and how Part B fills coverage gaps.
- [Navigating OSHA's Regulatory Landscape: Updates & Emphasis Programs](https://mcgriff.com/resources/webinars/navigating-osha-regulatory-updates-2026/) - OSHA 2026 regulatory updates webinar: National Emphasis Programs, enforcement priorities, and new OSHA guidance/resources to strengthen compliance and workplace safety.
- [Addressing Consequential Damages in the Property Policy](https://mcgriff.com/resources/articles/addressing-consequential-damages-property-policy/) - Explore how consequential damages, resulting loss carve-backs, and LEG clauses affect coverage under property insurance policies.
- [Structuring Construction Liability Coverage for Multifamily Developers](https://mcgriff.com/resources/articles/structuring-construction-liability-coverage-for-multifamily-developers/) - Learn how multifamily developers can structure construction liability coverage through traditional programs, project-specific policies, and OCIPs.
- [U.S. Business Insurance Market Update - Summer 2026](https://mcgriff.com/resources/white-papers/us-business-insurance-market-update-summer-2026/) - Summer 2026 U.S. Business Insurance Market Update Download Full Report For more than a century, McGriff has delivered customized insurance and risk management solutions to help businesses and organizations navigate their most complex challenges. That’s the mission behind the McGriff Specialty Market Update. Here we distill key trends, highlight emerging risks and opportunities, and offer
- [Named Storms: Real-World Insights to Navigate Coverage with Confidence](https://mcgriff.com/resources/webinars/named-storms-coverage-insights-for-commercial-properties/) - Understand named storm coverage for commercial property: definitions, hurricane vs. windstorm provisions, endorsements, deductibles & real insurer examples.
- [Putting Your Best Risk Forward: Strong Submissions for Real Estate Accounts Lead to Better Outcomes](https://mcgriff.com/resources/articles/real-estate-submission-checklist-7-things-to-document/) - Learn 7 things to document throughout the year to show underwriters the work behind your real estate insurance submission and improve renewal outcomes.
- [Weathering the Storm 2026](https://mcgriff.com/resources/white-papers/weathering-the-storm-2026/) - Download Weathering the Storm 2026: Practical steps businesses can take to prepare for, respond to, and recover from hurricanes, wildfires, floods, and severe storms.
- [De-Escalation in Hospitality: Enhancing Safety, Respect, and Risk Management](https://mcgriff.com/resources/articles/hospitality-de-escalation-liability-risk-management/) - De-escalation tips for hospitality teams to reduce incidents, protect staff/guests, and support lower liability risk and insurance claim costs.
- [The High Cost of Distraction: Protecting Your Fleet, Drivers, and Balance Sheet](https://mcgriff.com/resources/webinars/distracted-driving-fleet-safety-fmcsa-nuclear-verdicts/) - Distracted driving fleet safety webinar: claims trends, FMCSA rules, policy audits, nuclear verdict exposure, and strategies to boost driver awareness and leadership buy-in.
- [I Disagree With My Insurance Company, Now What?](https://mcgriff.com/resources/webinars/insurance-claim-dispute-denial-challenge-settlement-offer/) - Insurance claim dispute webinar: why claims are denied, key settlement/payment provisions, how to review coverage, case law insights, and steps to challenge low offers.
- [The Impact of Nuclear Verdicts and Modern Courtroom Tactics on Claim Adjusting](https://mcgriff.com/resources/articles/nuclear-verdicts-and-courtroom-tactics-impact-claim-adjusting/) - Two of the most influential developments are the rise of extremely large jury awards—commonly referred to as nuclear verdicts—and the evolution of modern courtroom strategies used by plaintiff attorneys. Together, these trends have increased claim severity, heightened litigation risk, and forced insurers to modify how claims are investigated, documented, reserved, and settled. As a result,
- [Sustainable Business: Business Interruption Insurance and Continuity](https://mcgriff.com/resources/webinars/business-interruption-insurance-and-continuity/) - Is your business in it for the long haul? With the rising threat of business interruption, continuity planning is vital for countering the effects of crises events. In this webinar we will explore business continuity plans and business interruption insurance alongside actual claim and disaster events. We will review critical steps to implement a business
- [How to Leverage Telematics Gamification to Drive Meaningful Results](https://mcgriff.com/resources/webinars/how-to-leverage-telematics-gamification-to-drive-meaningful-results/) - Vehicle telematics systems have advanced significantly since their debut nearly 40 years ago. Advances in technology, such as improved GPS accuracy, expanded wireless coverage, and faster wireless data speeds have turned telematics into powerful management tools. The availability of telematics also expanded significantly due, in part, to the 2017 Federal Motor Carrier Safety Administration’s Electronic
- [Using Computer-Based Technology to Help Facilitate Safety Performance](https://mcgriff.com/resources/webinars/using-computer-based-technology-to-help-facilitate-safety-performance/) - Companies today use a variety of computer-based technology platforms (e.g., Smart Sheet, HammerTech, iAuditor, Origami, etc.) for measuring the performance of safety tasks that help prevent incidents and claims. For the most part, these platforms are blank canvases from which creative safety professionals are developing “leading indicator” masterpieces of safety responsibilities. Some examples we have
- [OSHA Regulatory Updates and New Resources](https://mcgriff.com/resources/webinars/osha-regulatory-updates-and-new-resources/) - OSHA and other federal agencies continually update their standards and regulatory requirements. It isn’t enough to only be aware of OSHA safety standards, you also need to make sure your employees are trained and ready to adhere to their requirements. Join us as we provide an overview of the following major regulatory changes: OSHA’s Top
- [Navigating OSHA Recordkeeping & Reporting](https://mcgriff.com/resources/webinars/osha-navigating-recordkeeping-reporting/) - Are you confident your company’s OSHA logs are inspection-ready? Do you know key deadlines for reporting requirements? This essential webinar will provide the clarity and tools you need to accurately document work-related injuries and illnesses, meet upcoming reporting deadlines, and stay in compliance.
- [Cyber – The Good, The Bad and The Ugly!](https://mcgriff.com/resources/webinars/cyber-the-good-the-bad-and-the-ugly/) - Join professionals from Troutman Pepper, Keiter and McGriff to learn more about the growing threat of cybercrimes. Organizations of all sizes know that no one is exempt from cyberthreats. During this session, we will discuss insurance challenges, litigation, cyber hygiene, best practices, recent incidents, and more. Key Takeaways: Cybersecurity challenges 2025 state of cyber risk
- [Essential Elements of a High-Impact Fleet Safety Program](https://mcgriff.com/resources/webinars/essential-elements-of-a-high-impact-fleet-safety-program/) - A strong fleet safety program is a powerful strategy for driving profit and operational excellence. It directly impacts your bottom line by reducing accidents, cutting operational costs, and enhancing driver retention and productivity.
- [Plaintiff Attorneys AI Claim Severity](https://mcgriff.com/resources/articles/plaintiff-attorney-ai-driven-claims-severity/) - This article explores how plaintiff attorneys use AI to drive claim severity—maximizing the value of claims through data-driven insights and advanced analytics. It further examines the legal and ethical challenges posed by AI use, the countermeasures employed by defense counsel, and offers recommendations for policymakers to ensure fairness and transparency in litigation. Literature and Market
- [Worker's Compensation Fraud and How to Limit the Exposure](https://mcgriff.com/resources/articles/workers-compensation-fraud-prevention-support/) - According to the North Carolina Department of Insurance, insurance fraud costs Americans more than $300 billion each year. That adds up to $933 for every individual or $3,800 for a family of four. In this article, we’ll explore workers’ compensation fraud in particular and how to reduce its impact. Employees can commit workers’ compensation fraud
- [Why Data is Outperforming Legacy Safety Programs](https://mcgriff.com/resources/articles/why-data-outperforms-legacy-safety-programs/) - For years, fleet safety followed a predictable model: classroom training, policy manuals, quarterly safety meetings, and post-accident reviews. When an incident occurred, the organization investigated what happened and adjusted accordingly. That approach wasn't wrong, it just assumed the world would stay the same. Today, fleets are often doing more safety work than ever, yet auto
- [Inside Management Liability Exposures for Family Offices](https://mcgriff.com/resources/articles/inside-management-liability-exposure-for-family-offices/) - A family office is a private organization established to manage the financial and personal affairs of a wealthy family. Typically serving families with assets exceeding $100 million, these entities oversee investments, trusts, estate planning, tax strategy, and philanthropic activities, and they often operate businesses. Family offices vary widely in structure. Some have formal boards or
- [The High Cost of Workplace Complacency in Risk Management: Why Organizations Can’t Afford to Ignore It](https://mcgriff.com/resources/articles/high-cost-workplace-complacency/) - Beyond the direct and indirect financial losses, complacency exacts a heavy toll on the human element—leading to more injuries, lower morale, and even loss of life—and erodes the safety culture that underpins sustainable operational success. As businesses navigate demanding production schedules and challenges in hiring and retaining good employees, complacency remains a hidden but costly
- [Single-Parent Captives: A Strategic Risk-Financing Tool for Construction Leadership](https://mcgriff.com/resources/articles/risk-financing-tool-for-construction-leadership-captives/) - A single-parent captive offers construction leadership a strategic alternative. For large construction firms, insurance is not just a line item. It is a material operating expense and a source of earnings volatility. As premiums fluctuate with insurance market cycles, carrier appetite, and industry-wide losses, even the safest contractors with a strong risk management culture can
- [How Subcontractor Default Insurance (SDI) Can Protect Your Project’s Balance Sheet, Timeline and Delivery](https://mcgriff.com/resources/articles/why-you-need-sdi/) - Subcontractor Default Insurance (SDI) is an innovative insurance policy designed to protect general contractors and project owners from the financial impact of subcontractor defaults. Since its debut in 1995, SDI has become a trusted solution for managing subcontractor risk. Why Choose SDI? Top-tier fleets are being affected by: Comprehensive Protection: SDI covers both direct and
- [Protecting Your Commercial Kitchen from Fires: A Critical Risk Management Issue](https://mcgriff.com/resources/articles/protect-commercial-kitchens-from-fire/) - In the dynamic environment of commercial kitchens, safety is paramount, not only for protecting personnel and property but also for ensuring operational continuity. Among several potential hazards, kitchen fires pose a significant risk, often resulting in devastating consequences if not properly managed. As risk managers and industry leaders, understanding the nuances of fire prevention and
- [Navigating Pollution Liability Exposures: Strategies for Effective Risk Management](https://mcgriff.com/resources/articles/pollution-liability-effective-risk-management/) - Pollution incidents—chlorine leaks at hotel pools, dust from construction sites, chemical releases in manufacturing, etc.—pose significant safety and liability challenges across many industries, including hospitality, construction, manufacturing, healthcare, transportation, and agriculture. The scenarios above highlight the critical need for organizations of all sizes and across all sectors to integrate pollution risk management into their safety
- [McGriff National Webinar Series (2025)](https://mcgriff.com/resources/webinars/mcgriff-national-webinar-series-2025/) - About the Webinar Series Webinars typically take place on the third Thursday of every month at 2:00 p.m. Eastern time. Each webinar lasts approximately 60 minutes. Registration links are provided below with each webinar; a confirmation email will be sent to the email address provided. Reminder emails will be sent 24 hours and one hour
- [The New Liability Crisis: Why Fleets With 'Good Scores' Are Still Getting Hammered - And How to Fight Back](https://mcgriff.com/resources/articles/auto-liability-increases-how-fleets-can-win-back-control/) - For years, transportation companies who invested heavily in fleet safety programs believed their strong SMS scores, clean inspection history, and telematics would insulate them from the worst of the market. But 2025 has shattered that assumption. Even well-run fleets with low crash frequency and high safety compliance are seeing double-digit increases on Auto Liability—often with
- [The Hammer Clause: How It's Utilized to Resolve Disputes Between Carriers](https://mcgriff.com/resources/articles/how-the-hammer-clause-is-utilized-to-resolve-disputes-between-carriers/) - When a business faces a liability claim, the complexities of layered insurance policies that come with primary and excess policies can complicate a resolution. One critical tool that comes into play in these situations is the hammer clause and its enforcement through a hammer letter. Understanding how these mechanisms work is important for policyholders. What
- [December 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/december-2025-employee-benefits-newsletter/) - It Benefits You December 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines: Gag Clause Prohibition Compliance Attestation McGriff Affordable Care Act Reporting Toolkit: 2025 1094-C / 1095-C Forms Don’t Forget State Individual Mandates and Reporting Requirements! Set Your Self-Funded Health Plan Up for Success in 2026 Employer’s Guide to Planning a Holiday
- [November 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/november-2025-employee-benefits-newsletter/) - It Benefits You November 2025 This month's employee benefits newsletter content includes: Ready for 2026: Building a Compliant Benefits Strategy (Webinar) Upcoming Compliance Deadlines: Summary Annual Report (Extended Deadline for Calendar Year Plans); Gag Clause Prohibition Compliance Attestation Compliance Q&A: Common COBRA Compliance Mistakes Hop on the "Let's Get Digital" Soapbox Non-Traditional Benefits for Mental
- [Compliance Q&A: Common COBRA Compliance Pitfalls](https://mcgriff.com/resources/articles/compliance-qa-common-cobra-pitfalls/) - Question When is COBRA continuation coverage required, and what are some common missteps to avoid? Summary The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) grants individuals the right to continue employer-sponsored health insurance coverage for a limited period after experiencing qualifying events such as a job loss or reduction in work hours. Despite its
- [October 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/october-2025-employee-benefits-newsletter/) - It Benefits You October 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines: Medicare Part D Notices Avoiding Common Open Enrollment Compliance Mistakes Compliance Q&A: Short Plan Year Why You Should Audit Your Monthly Carrier Invoices: Bill Reconciliation from a Compliance Perspective How to Combat Wellness Point Solution Fatigue The Vital Role of
- [McGriff Market Update: Q3 2025](https://mcgriff.com/resources/white-papers/insurance-market-update-q3-2025/) - Summary As part of our commitment to keeping you updated on market conditions that may impact your business, we invite you to view and download our Q3 2025 Market Update. Here we distill key trends, highlight emerging risks and opportunities, and offer context to support strategic, long-term planning. Read the Market Update (PDF)
- [Compliance Q&A: Look-Back Measurement Method - Reduction of Hours](https://mcgriff.com/resources/articles/look-back-measurement-reduced-hours-employee/) - Question Our company uses the look-back measurement method to identify full-time employees. I recently hired an employee who was expected to work full-time hours. We offered her medical insurance coverage and she accepted. Since then, however, she dropped to part-time hours. What should I do about her benefits? Summary If an employee who is initially
- [Cooking Up a Compliant Benefits Strategy](https://mcgriff.com/resources/webinars/cooking-up-a-compliant-benefits-strategy-september2025/) - We whip up a recipe for employee benefits compliance success! The recently passed One Big Beautiful Bill Act included some new options for employer plan sponsors designing their benefits plans. The U.S. Supreme Court also handed down some decisions that could heat up your compliance risk. We discuss all this and more key ingredients for
- [Subdivision Bonds: Alternatives to a Letter of Credit](https://mcgriff.com/resources/videos/bond-alternative-letter-of-credit/) - Video Transcript [MUSIC PLAYING] Subdivision Bonds Consider a bond as an alternative to a Letter of Credit 3 most common performance guarantees: ILOC (Bank Instrument): Often ILOCs are fully cash collateralized. Municipalities usually draw down on ILOCs 30 days prior to the renewal date (unless the ILOC has already been renewed). If the municipality determines
- [Unlocking Potential: How Understanding Human Behavior Enhances Safety and Operational Success](https://mcgriff.com/resources/articles/understanding-human-behavior-enhances-safety-and-operational-success/) - In today’s complex and rapidly evolving work environments, organizations need effective strategies to enhance safety, improve performance, and cultivate a culture of engagement and accountability. While many companies invest heavily in technology and systems to mitigate risk, one of the most powerful and sustainable approaches remains underutilized: applying the science of human behavior. Understanding why
- [Client Advisory: A Tale of Two Cyberattacks: MGM and Caesars](https://mcgriff.com/resources/articles/client-advisory-a-tale-of-two-cyberattacks-mgm-and-caesars/) - The Importance of a Business Impact Analysis as Part of Your Incident Response and Business Continuity Plans Cyberattacks continue to dominate headlines. The recent ransomware attacks at MGM Resorts International and Caesars Entertainment, Inc. are just two recent examples of the ongoing challenges businesses face in defending against motivated and resourceful threat actors. Both companies
- [Boating Safety](https://mcgriff.com/resources/videos/boating-safety/) - Video Transcript [MUSIC PLAYING] 8 Boating Safety Tips 1: Take a boating safety course. Human error is the number one cause of boating accidents, so it's important to learn how to properly operate and navigate your boat. 2: Life jackets are essential. Make sure all passengers wear life jackets that fit properly. Especially children. 3:
- [McGriff Journey - Employee Benefits Communication App](https://mcgriff.com/resources/videos/journey/) - Video Transcript [MUSIC PLAYING] Are you struggling to effectively communicate with employees, improve employee engagement, retention, and productivity, increase awareness and participation in your existing benefits and initiatives? Did you know employee engagement is becoming one of the top concerns for HR and that employers of all sizes are using mobile apps more than ever
- [This is McGriff](https://mcgriff.com/resources/videos/this-is-mcgriff/) - Video Transcript [MUSIC PLAYING] What do you see when you look at the world? We see risk and opportunity, business and life, and the need to protect from anything that threatens it. When typical insurance doesn't cut it, you need a broker that's different than the rest. We are McGriff and we believe that when
- [How to Make HSAs the 401ks for Health Expenses in Retirement](https://mcgriff.com/resources/webinars/make-hsas-the-401ks-for-health-expenses-in-retirement/) - HSAs offer a number of benefits beyond spending for the short-term. They can be instrumental in saving for longer-term qualified expenses through proper planning and investing. This session will explore the tax advantages of an HSA, planning strategies for the short and long term, and investment options to build retirement savings. We will also explore
- [Flexible Benefits: More Show Less Tell](https://mcgriff.com/resources/webinars/flexible-benefits-more-show-less-tell/) - Learn the what, when, why and how about flexible benefit products! Employees don’t enroll in products they don’t understand. It’s one thing to know about flexible benefits and tell employees they can save money, it’s another to show them how! After a high-level overview of what flexible benefit options are, we’ll narrow our focus to
- [Understanding Pension Plan Accounting & Valuations](https://mcgriff.com/resources/webinars/understanding-pension-plan-accounting-and-valuations/) - Pension plan accounting standards have guidelines for projecting plan expenses that include key concepts like projected benefit obligation, service cost, interest cost and expected return on assets. Market conditions are also a main driver in setting assumptions to determine the cost for plan sponsors. Understanding these concepts, the accounting standards, and the assumptions used to
- [2025 National Benefit Trends Survey](https://mcgriff.com/resources/webinars/2025-national-benefit-trends-survey-webinar/) - McGriff surveys hundreds of employers representing major industries across the country. These annual survey results provide thoughtful analysis into the most important employee benefit trends of the day. Join a group of our McGriff National Specialty Practice leaders to review the results of our latest trend survey and learn about which benefit strategies are gaining
- [Emerging Pharmacy and Managed Care Trends](https://mcgriff.com/resources/webinars/emerging-pharmacy-and-managed-care-trends-2/) - Employers are legally responsible for maintaining an effective drug-free workplace program, a big challenge in an era of legalized marijuana, increasing drug abuse, and the ongoing task of hiring and retention. At the same time, employers must also choose the right Pharmacy Benefit Manager for their organization to manage costs, ensure quality of care, and
- [A New Vision for Your Company's Drugfree Workplace Programs](https://mcgriff.com/resources/webinars/new-vision-for-drugfree-workplace-programs/) - Employers are legally responsible for maintaining an effective drug-free workplace program, a big challenge in an era of legalized marijuana, increasing drug abuse, and the ongoing task of hiring and retention. At the same time, employers must also choose the right Pharmacy Benefit Manager for their organization to manage costs, ensure quality of care, and
- [Cooking Up a Compliant Benefits Strategy](https://mcgriff.com/resources/webinars/cooking-up-a-compliant-benefits-strategy-march-2025/) - Join us as we serve up the recipe for employee benefits compliance success! We’ll warm up with recent legislation, offer some key ingredients for staying on top of regulatory requirements, and dish out tips to avoid costly compliance mistakes. Your McGriff team will provide you with sharpened tools and resources to keep your benefits plans
- [AI and the Outlook for HR in 2025](https://mcgriff.com/resources/webinars/ai-outlook-for-human-resource-2025/) - Artificial Intelligence is everywhere! Human Resources is one of the most prominent areas where AI could create both efficiency and better decision-making tools. This session will explore some of the most common uses of AI in the HR world and discuss the pros and cons of the application of this revolutionary technology. Learning objectives: Discuss
- [What to Know Before You Go It “Alone” and Offer a Supplemental Health Program to All Employees](https://mcgriff.com/resources/articles/offering-a-supplemental-health-program-to-all-employees/) - Has a vendor ever approached you about offering a medical or pharmacy benefit separate from your medical plan? When you offer a program to employees other than those who participate in your medical plan, we refer to it as a ‘stand-alone’ plan. These types of programs can be an inexpensive way to provide at least
- [September 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/september-2025-employee-benefits-newsletter/) - It Benefits You September 2025 This month's employee benefits newsletter content includes: Cooking Up a Compliant Benefits Strategy! *September 9 Webinar Opportunity Upcoming Compliance Deadlines: Summary Annual Report (Calendar Year Plans) & Medicare Part D Notices Strategies for HR: How to Spark Employee Interest in Flexible Benefits Using Medical Loss Ratio (MLR) Rebates How Artificial Intelligence
- [How to Minimize Business Interruption During Hurricane Season](https://mcgriff.com/resources/articles/how-to-minimize-business-interruption-during-hurricane-season/) - As hurricane season nears, it’s important for business owners, operators, and managers to ensure they have a Business Interruption (BI) policy in place, which guarantees the business is protected from any losses caused by a storm or other natural disaster. This could include lost revenue, damaged facilities, and the cost of restoring lost or damaged
- [How Disasters Revolutionized CAT Modeling](https://mcgriff.com/resources/articles/how-disasters-revolutionized-cat-modeling/) - CAT modeling provides a probabilistic calculation of property loss expectancies associated with a variety of natural catastrophe perils. Insurers and lenders are keen to understand the anticipated loss expectancy associated with a portfolio’s exposure to a particular peril, e.g., windstorm, storm surge, flood, etc. Natural catastrophe insurance limits can be costly and should be accurately
- [Employment Practices Liability Insurance](https://mcgriff.com/resources/articles/employment-practices-liability-insurance/) - Employment practices liability insurance (EPLI) provides coverage for allegations made by employees, former employees, job candidates, customers and vendors related to your business’s employment practices. Often these allegations result in litigation, with costs quickly adding up into hundreds of thousands of dollars. Whether you run an established company or are starting a small business, it’s
- [Checklist: How to Prepare Your Business for Hurricane Season](https://mcgriff.com/resources/articles/checklist-how-to-prepare-your-business-for-hurricane-season-2/) - How do you prepare your business to weather the potential damages hurricanes can cause? The good news is that a relatively small investment of time and money now may prevent severe damage and disruption to your business down the road. Here’s a checklist to get you on the right track. 1. Know your building’s vulnerability
- [Insurance Insights for Unmanned Aerial Vehicles](https://mcgriff.com/resources/articles/insurance-insights-for-unmanned-aerial-vehicles/) - The use of unmanned aerial vehicles (UAVs), typically referred to as drones, has become increasingly instrumental in a wide range of sectors, including construction, energy, real estate, and government contracting operations. As a result, the need for specialized insurance continues to grow. How Government Contractors Use Drones Many of today’s government contractors use drones as
- [Compliance Q&A: Fiduciary Duties in Vendor Selection and Management](https://mcgriff.com/resources/articles/compliance-qa-fiduciary-duties-in-vendor-selection-and-management/) - Question My company hired a vendor to outsource the utilization management and appeals processes for our health plan. I have heard that we, as the plan sponsor, have a fiduciary duty to monitor the vendor’s activities. What does that mean, and, if this is really required, how can we comply? Summary The 1974 Employee Retirement
- [Compliance Q&A: What is the "Excepted Benefit" status and why does it matter?](https://mcgriff.com/resources/white-papers/compliance-qa-what-is-the-excepted-benefit-status-and-why-does-it-matter/) - Summary The determination of whether a particular benefit may be “excepted" is important when structuring a particular solution – such as an FSA, EAP, or a carve-out point solution – to ease a plan sponsor's compliance with laws such as HIPAA, the ACA, and MHPAEA. Click below to read more on excepted benefit status, why
- [Navigating the Hard Property and Casualty Insurance Market: Strategies for Apartment Owners](https://mcgriff.com/resources/articles/navigating-the-hard-property-and-casualty-insurance-market-strategies-for-apartment-owners/) - Insurance costs for multifamily property owners rose significantly in 2020, compounding an already challenging multifamily market. Apartment owners saw insurance rates rise as much as 30%; assets that were viewed as challenged by the insurance marketplace made up the highest end of the spectrum. An increase of $50 a unit for insurance cost is meaningful
- [Responding to a Property Loss](https://mcgriff.com/resources/articles/responding-to-a-property-loss/) - Significant property losses present business continuity challenges for many organizations. Following are some strategies which may minimize further damage and help to expedite the claims process. Respond to the Loss Prevent Harm to Associates If appropriate, call 911 – Report the incident to authorities and follow instruction. Evacuate personnel to the designated assembly area or
- [Rise of the Robots: Benefits, Challenges, Risks, and Mitigation of Industrial Robots](https://mcgriff.com/resources/articles/rise-of-the-robots-benefits-challenges-risks-and-mitigation-of-industrial-robots/) - There have been multiple generations of industrial robots, beginning in the 1950s with Unimaton, the first company to exist specifically to manufacture such robots. The initial robots were called “Unimates.” These robots could perform a single task, such as removing die-cast parts in the automotive industry. Today, we have industrial robots, collaborative or “co-bots,” and
- [Common Misconceptions ERISA ACA Compliance](https://mcgriff.com/resources/articles/common-misconceptions-erisa-aca-compliance/) - Rules I’ve always been a rule-follower … to the point that my own family makes fun of me for never even breaking the speed limit! So, naturally, I am attracted to the field of Human Resources where we are bombarded with over 50 categories of rules and regulations affecting virtually every aspect of the employment
- [Health and Welfare Considerations in M&A Deal](https://mcgriff.com/resources/articles/health-and-welfare-considerations-in-ma-deal/) - What would happen if you arrived for work on Monday to find that your company is contemplating acquiring (or selling to) another company? Do you feel confident in your ability to guide your colleagues through the employee benefits aspects of the transaction? The acquisition process is fraught with traps for the unwary, especially when it
- [Key Features of an Effective Employee Mobile App](https://mcgriff.com/resources/articles/key-features-of-an-effective-employee-mobile-app/) - Companies considering deploying an employee mobile app to improve their company culture, communication and employee engagement should look for solutions that include these important features. Function as the launching pad or one-stop-shop for all company resources. Resources such as payroll, ben admin and learning management systems; 401(k), FSA/HSA and benefit carrier portals; and other programs
- [Leadership That Drives Results](https://mcgriff.com/resources/articles/leadership-that-drives-results/) - I was recently in an airport when I overheard a traveler talking to another passenger who had been consulting with a large company experiencing growing pains. That is, the company had great potential, but was having difficulty delivering on it. In the consultation interview he asked the CEO what had already been done to ease
- [Musculoskeletal Disorders: Posturing a Productive Work Environment](https://mcgriff.com/resources/articles/musculoskeletal-disorders-posturing-a-productive-work-environment/) - As you’re reading this article, take a moment to think about your posture. Are you leaning forward at your desk, or have your neck craned over a phone? Are you sitting upright with your head forward? Or, are you noticing tension in your neck, and an ache in your lower back? Compared to the
- [Payroll and HR Bandwidth Considerations: Searching for the Right Solution](https://mcgriff.com/resources/articles/payroll-and-hr-bandwidth-considerations-searching-for-the-right-solution/) - With over 300 technology providers in the market place, the search for a benefits administration (“ben admin”) solution can be quite a daunting task. One often neglected step in making this process more palatable is first assessing your organization’s current payroll platform connectivity capabilities and HR bandwidth. Committing to this initial appraisal will help make
- [Set Your Self-Funded Health Plan Up for Success](https://mcgriff.com/resources/articles/set-your-self-funded-health-plan-up-for-success/) - At any company, data is one of the keys to building a successful benefits strategy. But data alone isn’t enough – it’s how you use it that makes the difference. The right data analysis combined with the right benefits broker will put you ahead of the game. The first quarter of a new plan year
- [How to Insure Your Home-Based Business](https://mcgriff.com/resources/articles/how-to-insure-your-home-based-business/) - Entrepreneurship is a hallmark of the American dream. In today’s world of 24/7 connectivity, more and more individuals are operating a full or part-time business from their homes, allowing them to “be their own boss.” Whether it’s in-home child care, IT consulting, bookkeeping services, embroidery orders, an online business, or anything else based in your
- [How to Spot Contractor Fraud](https://mcgriff.com/resources/articles/how-to-spot-contractor-fraud/) - 36% of homeowners say that fraud is their biggest concern when searching for a contractor to lead their renovation projects.1 If you’re updating your property and plan on hiring a contractor, be on the lookout for the following red flags to avoid contractor fraud. 1. No references Avoid hiring a contractor who is hesitant, or unable,
- [Do I Need Flood Insurance?](https://mcgriff.com/resources/articles/do-i-need-flood-insurance/) - Floods are the most common natural disaster in the United States, according to the Federal Emergency Management Agency (FEMA).1 While the government only requires mortgaged homes in high-risk areas to have flood insurance, FEMA recommends that all homes have flood insurance, even if your home is in a low-risk area.2 Why? Over 20% of floods
- [Do I Need a Carbon Monoxide Detector?](https://mcgriff.com/resources/articles/do-i-need-a-carbon-monoxide-detector/) - Carbon monoxide is an odorless, colorless, invisible gas produced when fossil fuels are burned, such as wood, charcoal, gasoline, kerosene, natural gas, coal or oil. And carbon monoxide can be deadly. Since carbon monoxide can’t be detected without a carbon monoxide detection device, it’s important to install and maintain one or more of these devices
- [Boat Insurance FAQs](https://mcgriff.com/resources/articles/boat-insurance-faqs/) - With boat insurance, you’re protected from damage to your watercraft as well as from any damage you may cause while boating. 1. What is boat insurance? Boat insurance provides protection from loss or damage to your boat and covers most motor-powered watercraft, including ski boats, pontoon boats, fishing boats and yachts. Boat insurance may also
- [Safety and Liability Tips for Dog Owners](https://mcgriff.com/resources/articles/safety-and-liability-tips-for-dog-owners/) - Are You Protected as a Dog Owner? We all love our furry friends. Whether your dog is a small Jack Russell Terrier or a giant Great Dane, even normally mild-mannered dogs may bite people. Why? When a dog is scared or feels the need to protect their surroundings (such as their home, food or owner),
- [4 Facts About Sinkholes and Insurance](https://mcgriff.com/resources/articles/4-facts-about-sinkholes-and-insurance/) - We’ve all seen images of sinkholes in the news. Whether it’s a giant hole opening up and swallowing an entire house, or an area of the road that suddenly washes away and carries a car with it, sinkholes are scary. Here’s what you need to know about sinkholes in the United States—and how to protect
- [Insurance Tips for Your College Grad](https://mcgriff.com/resources/articles/insurance-tips-for-your-college-grad/) - College graduation is a significant milestone for students and their parents alike. During this time of celebration, job applications, resumes and interviews, don’t forget to prepare your college grad for life on their own with the right insurance coverage. Protecting Your Grad Insurance can be a confusing topic, and seemingly small overlooked details can
- [8 Safety Tips to Prevent Boating Accidents](https://mcgriff.com/resources/articles/8-safety-tips-to-prevent-boating-accidents/) - When the weather warms up, it’s the perfect time to get out on the water. While boating is one of summertime’s best outdoor activities, it’s important to take safety precautions to help prevent accidents and injuries. Here are 8 tips to keep your friends and family safe while you’re on the water. 1. Make sure
- [What to Do Before, During and After a Flood](https://mcgriff.com/resources/articles/what-to-do-before-during-and-after-a-flood/) - Did you know that floods are the most common natural disaster in the United States?1 Often in the aftermath of hurricanes, floods pose a significant risk to homeowners. Follow these tips to prepare your home and family in the event of a flood. Before a Flood Know the flood risks in your area. Do you live
- [6 Ways to Protect Your Wine Collection](https://mcgriff.com/resources/articles/6-ways-to-protect-your-wine-collection/) - A true wine enthusiast understands the rewards of owning an expansive collection. The pride that goes into nurturing a bottle, anticipating its peak age and then enjoying its flavor can be gratifying. Owning a wine collection does come with some risks, and your partners at McGriff have collected the following recommendations to help protect
- [Planning the Perfect Fall Foliage Trip](https://mcgriff.com/resources/articles/planning-the-perfect-fall-foliage-trip/) - One of the best parts of fall season is watching the trees change colors, and there are plenty of scenic roadways to choose from. Whether you’re traveling by car, motorcycle or RV, fall foliage is the perfect reason for a long weekend getaway. When to Hit the Road Timing is everything. You definitely want to
- [How to Prevent Frozen Pipes](https://mcgriff.com/resources/articles/how-to-prevent-frozen-pipes/) - Did you know that burst pipes are one of the most common causes of property damage during the winter months? One burst pipe can cost you thousands of dollars in damages, so it’s important to take preventive steps that keep your home and business safe when temperatures get below freezing. Here’s how. 1. Prepare exterior
- [10 Ways to Mitigate Risks with Horses](https://mcgriff.com/resources/articles/10-ways-to-mitigate-risks-with-horses/) - Whether you have one horse or several, horse ownership comes with a unique set of risks—both at home and beyond. Following these tips can help you keep those risks at bay. 1. Keep fencing secure. Horses are prone to wander, or even run when spooked, so regularly inspect your perimeter to make sure it’s intact
- [Year-Round Home Maintenance Checklist](https://mcgriff.com/resources/articles/year-round-home-maintenance-checklist/) - To preserve your home’s value and help prevent damages, it’s important to regularly take a look around your home and address any needed maintenance. This handy checklist, organized by time of year, can help you stay on track, save money, and keep everyone in your home cozy, safe, and comfortable. Spring Get your home’s HVAC
- [10 Tips for Safe Winter Driving](https://mcgriff.com/resources/articles/10-tips-for-safe-winter-driving/) - While safe driving should be top of mind all year round, drivers should be extra careful during winter months when both weather and driving conditions worsen. On average, 17% of all vehicle crashes in the United States are a result of winter conditions.1 To reduce the risk of winter-related accidents, drivers should follow these tips. How
- [How Moving Affects Your Auto and Homeowners Insurance](https://mcgriff.com/resources/articles/how-moving-affects-your-auto-and-homeowners-insurance/) - Prepare for Premium Changes Whether you’re moving just down the street or across the country, there’s a high probability that your auto and homeowners insurance will be affected. Make sure to research pricing when considering different neighborhoods to move into, as the smallest change in environment can drastically impact your premiums. Below are some of
- [The Importance of Policy Reviews - Not Only for Uncertain Times](https://mcgriff.com/resources/articles/the-importance-of-policy-reviews-not-only-for-uncertain-times/) - Three Main Reasons for a Policy Review Needs May Have Changed Your financial goals and objectives change over time. Financial professionals will assess the current needs when evaluating the policy and provide alternatives that may be more appropriate for your current situation. Improved Mortality People are living longer and mortality costs have come down over
- [8 Things to Do Before Buying a Classic Car](https://mcgriff.com/resources/articles/8-things-to-do-before-buying-a-classic-car/) - Owning a classic car typically has a strong emotional connection. Whether it’s a vehicle that your dad drove when you were a kid or a vintage sports car from your favorite film, classics draw huge interests from car enthusiasts. While these steps don’t include everything you need to know about buying a classic car
- [3 Most Common Places for Jewelry Theft](https://mcgriff.com/resources/articles/3-most-common-places-for-jewelry-theft/) - Whether it’s a pearl necklace, prized watch, or diamond ring that’s been passed down for generations, having a valued piece of jewelry stolen is something you never want to think about—but it can happen to anyone. That’s why it’s important to stay vigilant and protect your jewelry at all times. Here are some tips from
- [Protect Your Home with Automatic Water Shut-Off System](https://mcgriff.com/resources/articles/protect-your-home-with-automatic-water-shut-off-system/) - Water damage can occur anywhere in your home, at any time of year. In fact, according to the Insurance Information Institute, the most common way water damage occurs in the home is through things like burst pipes and broken appliances.1 Protecting Your Home Against Water Damage Consider all the places where you can access water
- [Prepare Your Home for Hurricanes](https://mcgriff.com/resources/articles/prepare-your-home-for-hurricanes/) - We all know hurricanes can be devastating, so it's important to prepare well in advance in case your home or property is ever in a hurricane's path. When is hurricane season? The Atlantic hurricane season runs from June 1 to November 30, and the Pacific hurricane season runs from May 15 to November 30—with September
- [How to Stay Safe During a Tornado](https://mcgriff.com/resources/articles/how-to-stay-safe-during-a-tornado/) - Tornadoes are one of the most frightening natural disasters in the world, and they can occur suddenly with little to no warning. While tornadoes can occur any time of year, they’re most common in the United States from March to July. In fact, about 1,200 tornadoes occur in the U.S. each year, and tornadoes have
- [Common Email Scams](https://mcgriff.com/resources/articles/common-email-scams/) - Scammers and con artists have been around since the beginning of time, and email is just a modern vehicle for them to dupe their victims. Most email scams will ask you to send money, cash checks, provide information or establish business relationships. It’s important to know how to recognize common email scams so that you
- [How to Talk to Your Teen About Safe Driving](https://mcgriff.com/resources/articles/how-to-talk-to-your-teen-about-safe-driving/) - Most parents approach this milestone with a mixture of joy and dread — the day their teenager obtains a driver’s license. Of course, safety is top of mind for parents. Make sure you talk with your teens about the risks below to ensure that they understand these very real safety threats. Top 8 Safety Risks
- [5 Home Renovations That Affect Your Insurance](https://mcgriff.com/resources/articles/5-home-renovations-that-affect-your-insurance/) - Certain home renovations can increase the value of your house or impact potential risks – both of which can affect your homeowners insurance. On average, renovations to your home increase its value by at least 25%, but most homeowners don’t increase their coverage accordingly.1 If you’re planning on tackling any of the home renovations listed below,
- [Swimming Pool Safety Tips](https://mcgriff.com/resources/articles/swimming-pool-safety-tips/) - One of the pleasures of summer is enjoying time at the pool. However, any time spent around water (especially with children) presents certain risks. Did you know: Ten people die each day from unintentional drowning, and on average two of them are under age 14.1 Drowning is the leading cause of death among children ages
- [5 Tips for the Best RV Road Trip](https://mcgriff.com/resources/articles/5-tips-for-the-best-rv-road-trip/) - Hitting the road in an RV can be one of the best ways to see this beautiful country. Whether you have a fifth wheel or a full-sized motor home, setting out on an RV road trip is a memorable adventure. Here are some tips to help you plan your route and enjoy your trip. Use
- [What to Do After a Hit-and-Run Accident](https://mcgriff.com/resources/articles/what-to-do-after-a-hit-and-run-accident/) - Whether it’s a minor fender-bender or a more serious vehicle collision, anytime you’re involved in a car accident can be traumatic. When the other driver takes off without exchanging any information with you—commonly called a “hit-and-run”—you can be left feeling victimized as well. If you’re ever on the receiving end of a hit-and-run, be sure
- [5 Reasons Why You Need Renters Insurance](https://mcgriff.com/resources/articles/5-reasons-why-you-need-renters-insurance/) - Do you rent your home or apartment? Renters insurance protects your belongings from loss, damage, or destruction following things like burglaries, fires, tornadoes and other covered events. Plus, renters insurance also protects your liability (and your money) if someone is injured at your rental home or apartment. Check out these top five reasons why
- [9 Reasons to Review Your Insurance Coverage](https://mcgriff.com/resources/articles/9-reasons-to-review-your-insurance-coverage/) - How often do you take a look at your insurance coverage? If you’re like most people, probably not very often—if at all. Most of us purchase insurance to protect our home, vehicles, and other items of value, and then we go into “set it and forget it” mode. But things change over time, and
- [10 Home Theft Prevention Tips](https://mcgriff.com/resources/articles/10-home-theft-prevention-tips/) - Did you know that a home burglary occurs every 26 seconds, with an average loss of $2,799?1 Plus, most home burglaries occur during daytime hours, when thieves expect you to be at work, school or running errands. Even the safest neighborhoods can be targets for intruders. Help secure your home with these tips. Keep all your
- [Creating a Legacy by Maximizing IRA Assets](https://mcgriff.com/resources/articles/creating-a-legacy-by-maximizing-ira-assets/) - Many high-net-worth individuals will be transferring wealth to the next generation from their Individual Retirement Accounts (IRAs). For those that have overfunded these accounts, they realize that all or part of it will be left to their heirs and that taxes could eat up a significant chunk. Life insurance may be a tax-advantaged way to
- [Beginner's Guide to Collecting Whiskey](https://mcgriff.com/resources/articles/beginners-guide-to-collecting-whiskey/) - The whiskeys you choose to build your collection with are entirely dependent upon the purpose of the collection – is this a hobby for your own personal enjoyment or is it an investment opportunity? For a lot of people, a whiskey collection is a mixture of both pleasure and potential profit. What to Buy Whiskeys
- [How to Create a Home Inventory](https://mcgriff.com/resources/articles/how-to-create-a-home-inventory/) - When was the last time you updated your home inventory? More importantly – do you have any sort of home inventory at all? Documenting all of your personal belongings can seem daunting, but trying to calculate the total value of your loss after a fire or burglary without an inventory to refer to is an
- [Top 3 Fraud Risks for High-Net-Worth Families](https://mcgriff.com/resources/articles/top-3-fraud-risks-for-high-net-worth-families/) - Did you know that the higher your net worth, the more likely you are to become a target of fraud, scams, and cyberattacks? Fraudsters tend to pay closer attention to high-net-worth individuals since the payoff can be much larger than other targets. In this day and age, the tactics criminals use to gain control
- [Protect Your Confidential Data](https://mcgriff.com/resources/articles/protect-your-confidential-data/) - Even with tremendous investments in cyber security, the most common way for hackers and fraudsters to gain access to your confidential information is to trick you into opening or responding to an email or other online message that looks legitimate. Here are tips to help you avoid becoming an easy target for hackers and
- [Benefits of a Standby Generator for Your Home](https://mcgriff.com/resources/articles/benefits-of-a-standby-generator-for-your-home/) - A power outage can be quite disruptive—especially if you or your spouse is working from home. Now is a great time to consider investing in a standby generator so you can be prepared for that next power failure. What Is a Standby Generator? There are two primary types of generators: portable and standby. While these
- [Should You Fix or Sell Your Boat?](https://mcgriff.com/resources/articles/should-you-fix-or-sell-your-boat/) - It’s no secret that boats require quite a bit of maintenance, time, attention, and funds beyond the initial purchase. However, at some point, the cost and time needed to repair your boat just isn’t worth it anymore. If you’re torn between fixing your boat and replacing it with a newer model, here’s what you should
- [10 Tips for Boating Season](https://mcgriff.com/resources/articles/10-tips-for-boating-season/) - From the engine and propeller down to your trailer, a little preparation as you get your boat out of winter storage and get ready to get out on the water can help you start off the season right — and get the most out of your time on board. Here are 10 boating preparation tips
- [7 Security Tips for Your Vacation Home](https://mcgriff.com/resources/articles/7-security-tips-for-your-vacation-home/) - Do you have a second home in the mountains, at the beach, or in another getaway spot? Since you don’t spend all of your time at your vacation property, it’s important to take steps to protect your home from theft or vandalism when no one is around. A vacant home is extremely vulnerable. Have you
- [Claim Cost Containment](https://mcgriff.com/resources/success-stories/claim-cost-containment/) - Business Issue A McGriff client and several of their officers and directors were sued in a shareholder derivative action. The suit claimed decisions were made that negatively impacted the shareholders. Accepting the claim, the carrier reached a settlement with all parties. Part of the settlement required our client to pay the shareholders’ attorney fees in
- [Solar and Wireless](https://mcgriff.com/resources/success-stories/solar-and-wireless/) - Business Issue A business owner in the solar and wireless industry was looking for an insurance broker that could put them in a better position to bid on more jobs. Due to a higher than average number of claims, they were occasionally prevented from doing so. After meeting with a McGriff team, the business owner
- [Taking More Risk: How Growing Companies Optimize Insurance Costs](https://mcgriff.com/resources/white-papers/taking-more-risk/) - Summary As businesses grow, their needs for and opportunities with commercial insurance purchases change. Often the growth leads a firm to take more risk over time. As with other forms of capital, insurance capital affects both risk and reward: there may be an opportunity for cost savings, but that opportunity comes with greater risk. This
- [Client Advisory: D&O Considerations for New SEC Cybersecurity Rules for Public Companies](https://mcgriff.com/resources/articles/client-advisory-do-considerations-for-new-sec-cybersecurity-rules-for-public-companies-2/) - What Do the SEC Rules Require? Registrants must describe their processes for assessing, identifying, and managing material risks from cybersecurity threats in sufficient detail for a reasonable investor to understand. Any third-party service providers that have been incorporated into a company’s risk management processes must also be disclosed. Registrants must describe the board of directors’
- [Marsh McLennan completes acquisition of McGriff Insurance Services](https://mcgriff.com/resources/releases/marsh-mclennan-completes-acquisition-of-mcgriff-insurance-services/) - November 15, 2024 NEW YORK – Marsh McLennan (NYSE: MMC), a global leader in risk, strategy and people, today completed the acquisition of McGriff Insurance Services, LLC. With the closing of this acquisition, McGriff’s more than 3,500 colleagues will join Marsh McLennan Agency. “We are thrilled to welcome the McGriff team to Marsh McLennan,” said John Doyle, President and CEO
- [Precept rebrands to McGriff](https://mcgriff.com/resources/releases/precept-rebrands-to-mcgriff/) - New name builds on more than 130 years of brand equity January 15, 2020 McGriff Insurance Services, a subsidiary of BB&T Insurance Holdings, today announced a rebranding for its California-based employee benefits firm, Precept. Precept began doing business today as “McGriff Insurance Services.” The rebranding follows the same name change for the former BB&T Insurance
- [Standing with you during hurricane Dorian](https://mcgriff.com/resources/releases/standing-with-you-during-hurricane-dorian/) - Your safety is our top priority September 3, 2019 Our thoughts and prayers go out to those of you in the path of Dorian. In the midst of dangerous storm surges, strong winds and excessive rainfall, your safety is our primary concern. Please stay informed and take precautions to protect yourself, your loved ones and
- [McGriff names Dessauer new leader of West region](https://mcgriff.com/resources/releases/mcgriff-names-dessauer-new-leader-of-west-region/) - About the announcement January 8, 2021 McGriff announced today that Patrick Dessauer has been promoted to Regional Insurance President for McGriff’s West Region. Dessauer replaces Doug Hodo who announced his retirement earlier this month. Dessauer, a 30+ year veteran of the insurance brokerage industry, has been with McGriff since 1998. Most recently he served as
- [McGriff partners with clients to provide hot meals to health care heroes](https://mcgriff.com/resources/releases/mcgriff-partners-with-clients-to-provide-hot-meals-to-health-care-heroes/) - December 21, 2020 McGriff’s Chattanooga office is proud to partner with three clients—Erlanger Hospital, the Public House, and Rodizio Grill—to deliver hot meals to health care workers during the holiday season as part of its 2020 Lighthouse Project. This project is a long-standing tradition of BB&T now Truist—the owner of McGriff’s parent company, Truist Insurance Holdings,
- [McGriff introduces new on-demand excess liability product for freight brokers](https://mcgriff.com/resources/releases/mcgriff-introduces-new-on-demand-excess-liability-product-for-freight-brokers/) - McGriff announces TripExcess liability product solution February 3, 2021 McGriff today announced the launch of a new insurance solution designed to allow freight brokers to purchase excess auto liability coverage online. TripExcess® is a per-shipment excess liability product that will allow shippers, 3PL/brokers and motor carriers to maintain a required $2 million auto liability limit.
- [McGriff introduces new Digital, Data & Analytics Center of Excellence](https://mcgriff.com/resources/releases/mcgriff-introduces-new-digital-data-analytics-center-of-excellence/) - May 21, 2021 McGriff today said it has rolled out a new digital, data and analytics center of excellence, the culmination of a two-year effort designed to improve client experience and deliver new products and solutions to a growing client base. The firm’s new center of excellence will reduce the frictional costs of trading, improve
- [Read Davis, Renee Keen named to leadership positions with McGriff](https://mcgriff.com/resources/releases/read-davis-renee-keen-named-to-leadership-positions-with-mcgriff/) - September 1, 2021 Truist Insurance Holdings today announced the following two appointments to senior leadership roles at McGriff, its retail insurance business, effective immediately. Read Davis, currently President of McGriff’s Georgia region, will become CEO, McGriff Specialty and Middle Market, while Renee Keen, the business’ National Personal Lines & Small Business Practice Leader, will assume the position
- [Sanderson, Yelverton promoted to leadership positions at McGriff](https://mcgriff.com/resources/releases/sanderson-yelverton-promoted-to-leadership-positions-at-mcgriff/) - November 29, 2021 McGriff today announced the following two appointments to leadership roles at McGriff, effective immediately. Crystal Sanderson, currently senior vice president and Director of McGriff’s Sales Center, will assume the position of National Personal Lines & Small Business Practice Leader. Rachael Yelverton, who currently leads business development for Small Business and Personal Insurance,
- [McGriff introduces new digital marketplace for personal insurance](https://mcgriff.com/resources/releases/mcgriff-introduces-new-digital-marketplace-for-personal-insurance/) - March 17, 2022 McGriff, one of the leading full-service retail insurance brokers in the U.S., announced today the launch of its online personal insurance marketplace that combines touch and technology to make insurance shopping simple and seamless for consumers. In an effort to deliver a superior client experience and promote financial wellness, McGriff partnered with
- [McGriff welcomes Black to Employee Benefits division](https://mcgriff.com/resources/releases/mcgriff-welcomes-black-to-employee-benefits-division/) - March 17, 2022 McGriff today announced that Eric Black has joined the organization as Employee Benefits practice leader for its Charlotte office. The 20-year employee benefits veteran will focus on production, revenue growth, client retention, recruiting and training. Black is joining McGriff from another national broker where he served 12 years as area president for
- [Hampel joins McGriff’s Executive Risk Advisors Group](https://mcgriff.com/resources/releases/hampel-joins-mcgriffs-executive-risk-advisors-group/) - April 5, 2021 McGriff announced today that Conor Hampel has joined the firm as a Senior Vice President, Producer, in the firm’s Executive Risk Advisors group. Hampel joins McGriff from Willis Towers Watson where he most recently was the East Team Leader for Financial, Executive, and Professional Risks (“FINEX”) for Financial Institutions and previously served as
- [McGriff taps Thames to lead Charlotte](https://mcgriff.com/resources/releases/mcgriff-taps-thames-to-lead-charlotte/) - August 22, 2022 McGriff announced today that it has named Arkansas Area Executive Will Thames to lead its Charlotte, N.C. area operations. The Truist-owned insurance subsidiary has identified Charlotte as an emerging flagship insurance operation. As area managing executive of Charlotte, Thames has been tasked with developing McGriff’s presence in the rapidly growing metro area.
- [McGriff hires Zederbaum to lead Private Equity practice](https://mcgriff.com/resources/releases/mcgriff-hires-zederbaum-to-lead-private-equity-practice/) - September 20, 2022 McGriff has hired Paul Zederbaum as the practice leader for the newly formed Private Equity Risk Advisors group. With two decades of industry experience, Paul spent the last nine years working with a large global broker as director, client services for their Southeast Private Equity Group. Based in Charlotte, NC, Paul will
- [McGriff hires Ross, Moriarty to lead National Construction Risk Practice](https://mcgriff.com/resources/releases/mcgriff-hires-ross-moriarty-to-lead-national-construction-risk-practice/) - November 2, 2022 McGriff has hired Danielle Ross as Head of Construction – Risk Management in its new National Construction – Risk Management practice. Ross brings more than 17 years of experience in the construction industry as an underwriter and broker of complex risk management programs for national and international contractors. She most recently spent
- [McGriff partners with Truist to make its personal insurance digital marketplace available to mortgage clients](https://mcgriff.com/resources/releases/mcgriff-partners-with-truist-to-make-its-personal-insurance-digital-marketplace-available-to-mortgage-clients/) - Nov. 16, 2022 McGriff, one of the leading full-service retail insurance brokers in the U.S., is partnering with Truist Mortgage to offer its new online personal insurance marketplace—McGriff powered by Covered—to the company’s mortgage clients as part of a one-stop home financing experience. Starting immediately, Truist clients applying for a mortgage can shop for home
- [McGriff promotes Mitcham to lead Arkansas operations](https://mcgriff.com/resources/releases/mcgriff-promotes-mitcham-to-lead-arkansas-operations/) - LITTLE ROCK, Ark. – McGriff announced today that it has promoted Arkansas Sales Leader Taylor Mitcham to area managing executive for the state. Mitcham succeeds Will Thames who was appointed to lead the firm’s Charlotte, N.C. operations earlier this year. Mitcham joined McGriff in 2004 as a commercial property and casualty producer before leaving in 2013
- [McGriff hires Sisk as practice leader for Houston energy & marine operations](https://mcgriff.com/resources/releases/mcgriff-hires-sisk-as-practice-leader-for-houston-energy-marine-operations/) - HOUSTON – McGriff has hired Kevin Sisk as an Executive Vice President and Energy practice leader for its Houston office. Sisk joins McGriff with nearly 30 years of experience in the industry. Most recently, he served as Senior Vice President of the Houston Global Marine & Energy practice of a large global insurance broker, where he
- [McGriff hires Viteri as Commercial Sales Leader for South Florida](https://mcgriff.com/resources/releases/mcgriff-hires-viteri-as-commercial-sales-leader-for-south-florida/) - MIAMI – McGriff has hired Walter Viteri as a senior vice president and commercial sales leader for its South Florida Region. Viteri joins McGriff with 20 years of experience in insurance, all in the complex Florida marketplace. Most recently, he spent nearly five years as a client executive lead with a national broker where he was
- [Garrett joins McGriff's Executive Risk Advisors Group](https://mcgriff.com/resources/releases/garrett-joins-mcgriffs-executive-risk-advisors-group/) - Houston – McGriff, one of the leading full-service retail insurance brokers in the U.S., announced today it has hired David Garrett as an Executive Vice President and Texas Practice Leader for the firm’s Executive Risk Advisors (ERA) division. Garrett joins McGriff with more than 20 years of experience as an underwriter and broker working with large
- [McGriff hires Araujo as Head of Projects/P3s - Construction Risk Management](https://mcgriff.com/resources/releases/mcgriff-hires-araujo-as-head-of-projects-p3s-construction-risk-management/) - DALLAS – McGriff has hired Rafael Araujo as Head of Projects/Public-Private Partnerships (P3s) – Construction Risk Management in its National Construction Practice. Araujo previously served as a senior vice president for another large global broker in its Construction & Infrastructure Practice. He was responsible for managing and servicing many of the broker’s global contractors with major
- [McGriff appoints Welz to lead Senior Living Practice](https://mcgriff.com/resources/releases/mcgriff-appoints-welz-to-lead-senior-living-practice/) - King of Prussia, Penn. – McGriff has promoted Michael Welz as senior vice president and national practice leader for its Senior Living practice. Welz joined McGriff in March, 2022 and has focused on working closely with the McGriff team to support existing clients while growing and developing new client relationships. Prior to joining McGriff, he supported
- [McGriff hires Jones as Florida sales leader and condo practice leader](https://mcgriff.com/resources/releases/mcgriff-hires-jones-as-florida-sales-leader-and-condo-practice-leader/) - FORT LAUDERDALE, Fla. – McGriff has hired Austin Jones as sales leader for Florida and practice leader for the state’s new condo team. The senior vice president is joining McGriff with over 10 years of experience in the condominium and multi-family specialty market, mostly in Florida. Based in Fort Lauderdale, Jones will oversee sales development and
- [McGriff Employee Benefits announces National Benefit Trends Survey results](https://mcgriff.com/resources/releases/mcgriff-employee-benefits-announces-national-benefit-trends-survey-results/) - CHARLOTTE, N.C. – McGriff today released its third annual National Benefit Trends Survey, a report providing insights into many of the most important benefit trends in the United States. McGriff heard from 780 employers across the nation in several major industries. Key findings from the survey include: Employee retention again ranks as the top priority for
- [McGriff hires Catozzo as National Employee Benefits Sales Leader](https://mcgriff.com/resources/releases/mcgriff-hires-catozzo-as-national-employee-benefits-sales-leader/) - June 5, 2023 DENVER – McGriff announced today that it has hired Dino Catozzo as the National Sales Leader for its Employee Benefits practice. Catozzo joins McGriff with more than 30 years of sales and consulting experience, the past 20 being in employee benefits sales leadership positions. Most recently he served as the growth leader for
- [McGriff names Smith to lead Surety operations](https://mcgriff.com/resources/releases/mcgriff-names-smith-to-lead-surety-operations/) - June 5, 2023 BIRMINGHAM – McGriff said today that it has promoted executive vice president Milton Smith to National Director, Surety. In this new role, Smith will be responsible for leading the firm’s surety operations and driving the overall growth of the surety practice. Smith joined McGriff in 2000. With more than 27 years of experience
- [McGriff hires Ledford as strategic growth officer for small business and personal lines](https://mcgriff.com/resources/releases/mcgriff-hires-ledford-as-strategic-growth-officer-for-small-business-and-personal-lines/) - June 28, 2022 RALEIGH, NC – McGriff today said it has hired Rodney Ledford as the strategic growth officer for its Small Business and Personal Lines division. Ledford joins McGriff with 18 years of industry experience, most recently as vice president, national partners for a global insurance carrier. In this new role, Ledford will be responsible
- [McGriff announces restructure of Personal Lines division](https://mcgriff.com/resources/releases/mcgriff-announces-restructure-of-personal-lines-division/) - McGriff announced today that it has restructured its Personal Lines operations to allow for direct support to the Private Client sales and service functions within the division, following a period of substantial growth and profitability for the line of business. Private Client sales and service team management will now fall to a new centralized team
- [McGriff opens new office in economically vibrant Mobile, Alabama](https://mcgriff.com/resources/releases/mcgriff-opens-new-office-in-economically-vibrant-mobile-alabama/) - August 17, 2023 MOBILE, Ala. – McGriff today said it has opened a new office in downtown Mobile, heart of the rapidly expanding South Alabama region. It will be anchored by Greg Wells, a senior vice president along with employee benefits producer Carter Drane. Like other McGriff offices, this location will provide, property and casualty insurance,
- [McGriff Employee Benefits releases its 2023 Paid Leave and Compensation Survey](https://mcgriff.com/resources/releases/mcgriff-employee-benefits-releases-its-2023-paid-leave-and-compensation-survey/) - October 3, 2023 CHARLOTTE, NC – McGriff today released its 2023 Paid Leave and Compensation Survey, a comprehensive report providing insights into employer paid leave and compensation trends in the United States. The survey, the latest in a series from the McGriff Employee Benefits division, is based on responses from 412 employers across the nation in several
- [McGriff expands Captive Insurance operation](https://mcgriff.com/resources/releases/mcgriff-expands-captive-insurance-operation/) - September 5, 2023 CHARLOTTE, NC – McGriff, one of the leading full-service retail insurance brokers in the U.S., today announced that it has acquired Alternative Risk Resources (ARR), a Wisconsin-based commercial brokerage that specializes in captive insurance. The transaction expands McGriff’s presence in the captive insurance market with a firm that has been active in the industry for
- [McGriff announces promotions in its Risk Services division](https://mcgriff.com/resources/releases/mcgriff-announces-promotions-in-its-risk-services-division/) - November 30, 2023 CHARLOTTE, NC – McGriff, one of the leading full-service retail insurance brokers in the U.S., announced today that it has promoted two new leaders in the firm’s Risk Services division. Brandon McCosh has been promoted to National Director, Risk Control. Shane Sumrall has been promoted to National Director, Claims. “Both Brandon and Shane are
- [McGriff appoints Breedlove to national sales and growth leader](https://mcgriff.com/resources/releases/mcgriff-appoints-breedlove-to-national-sales-and-growth-leader/) - January 4, 2024 CHARLOTTE – McGriff announced today that it has promoted industry veteran Mike Breedlove to National Sales and Growth Leader. In this new role, Mike will set the strategy for overall sales activities across the firm’s commercial lines of business, including property and casualty, group benefits, surety, and its Executive Risk Advisors division. An
- [McGriff promotes Zentler to Practice Leader for its Aviation practice](https://mcgriff.com/resources/releases/mcgriff-promotes-zentler-to-practice-leader-for-its-aviation-practice/) - January 22, 2024 SEATTLE – McGriff has promoted Erik Zentler to practice leader for its Seattle-based Aviation practice. Zentler brings nearly 20 years of experience in aviation insurance to the role, including eight years of experience with McGriff and 11 years with an independent aviation specialty broker based in Seattle. “Erik’s growth mindset and desire to
- [McGriff promotes Sanders to Area Executive for Tennessee](https://mcgriff.com/resources/releases/mcgriff-promotes-sanders-to-area-executive-for-tennessee/) - February 20, 2024 CHATTANOOGA, TENN. – McGriff has promoted Gary Sanders to area executive for its Tennessee offices. His primary role will be to lead McGriff’s four insurance offices in Tennessee while continuing to build a strong culture and drive organic growth and client retention for the employee benefits and property and casualty lines of business. Sanders
- [McGriff’s new National Property Practice to support complex property needs](https://mcgriff.com/resources/releases/mcgriffs-new-national-property-practice-to-support-complex-property-needs/) - April 2, 2024 RALEIGH, NC – McGriff today said it has formed a new National Property Practice to provide specialized resources across the organization to support its ongoing growth in the turbulent property risk management sector. Led by National Director of Property Donna Matthews, the new practice group will provide marketing assistance with shared and layered complex
- [McGriff acquires Tampa-based employee benefits business Amity Benefits](https://mcgriff.com/resources/releases/mcgriff-acquires-tampa-based-employee-benefits-business-amity-benefits/) - October 2, 2024 CHARLOTTE, N.C. – McGriff, one of the leading retail insurance brokers in the U.S., announced today that it has acquired Amity Benefits, a full-service retail employee benefits brokerage based in Tampa, Florida. “We’re thrilled to welcome Brian and the talented team at Amity to McGriff,” said Mike Breedlove, National Sales and Growth Leader
- [Compliance Q&A: What is the "Excepted Benefit" status and why does it matter?](https://mcgriff.com/resources/articles/excepted-benefit-status-why-it-matters/) - Question My company offers a health flexible spending account (FSA) funded by employees. I saw on the IRS website that health FSAs are subject to Patient-Centered Outcomes Research Institute (PCORI) fees unless they are an excepted benefit. When is a benefit considered "excepted" and why else might this status matter? Summary Broadly speaking, excepted benefits
- [Employee Benefits in Captives: The McGriff Difference](https://mcgriff.com/resources/articles/employee-benefits-in-captives-the-mcgriff-difference/) - While many brokers and consultants tout their abilities and knowledge about funding and/or reinsuring employee benefits (EB) in single-parent captives (SPCs), the McGriff EB team is one of the most experienced and qualified brokers in this area based on our status as the first broker to place employee benefits in a wholly owned SPC. A
- [The Risk of EVs in the Auto Service Industry](https://mcgriff.com/resources/articles/the-risk-of-evs-in-the-auto-service-industry/) - Electric Vehicles (EVs) pose hazards and safety challenges for the auto service industry. When considering the risks associated with servicing EVs, we should look at the standards and hazards for employee safety, fire protection, garage liability, and overall property loss. EVs are likely here to stay. Under former President Biden, the federal government set
- [AI in Fleet Risk — Beyond the Hype](https://mcgriff.com/resources/articles/ai-in-fleet-risk-beyond-the-hype/) - Artificial intelligence is everywhere — in software, underwriting models, maintenance diagnostics, and even recruiting. But for transportation companies, the question isn’t whether or not to use AI, but rather how to use it in a way that reduces risk, enhances safety outcomes, and boosts operational efficiency. Right now, too many fleets are chasing shiny
- [Insights into Business and Personal Insurance for Wildfire Risks](https://mcgriff.com/resources/articles/insights-into-business-and-personal-insurance-for-wildfire-risks/) - In the aftermath of the January fires in Los Angeles, homeowners and business owners are working with their insurers to determine the extent of their losses and the payment amount they will receive to rebuild and recover. The wildfires will inevitably impact the insurance industry in the long term. Additionally, there will be cases where
- [Case Study: Executive Retirement and Retention](https://mcgriff.com/resources/articles/case-study-executive-retirement-and-retention/) - A mid-sized company wanted to incentivize their executive management team to help expand and grow their business. This case study outlines an assessment which identified goals, challenges, and solutions that helped the company fine-tune and expand an existing executive retirement program to bring it up-to-date and meet their objectives. Client Profile The family-owned business with
- [Client Advisory: Don’t Let a Data Breach Disrupt Your Hospitality Business](https://mcgriff.com/resources/articles/client-advisory-dont-let-a-data-breach-disrupt-your-hospitality-business/) - The average cost of a hospitality data breach in 2023 was $3.36 million, up from $2.94 million in 2022. That's a 14% increase in the space of a year. At the same time, where the hospitality industry accounted for just 2% of data breaches in 2019, it now accounts for 4%.1 Frequency A recent report
- [Asbestos Litigation and the Importance of Maintaining Policy Records](https://mcgriff.com/resources/articles/asbestos-litigation-and-the-importance-of-maintaining-policy-records/) - Asbestos litigation affects many employers each year and can cost a company thousands of dollars in legal fees. When asbestos claims, complaints, and suits are filed, it is common for the alleged exposure period to date back many years or decades and name multiple employers. Even when a company has never worked with or used
- [Managing the Use of Personal Vehicles on Company Business](https://mcgriff.com/resources/articles/managing-the-use-of-personal-vehicles-on-company-business/) - While the liability exposure for company fleets and drivers due to vehicle accidents is widely understood and mitigated, the exposure concerning employees who drive their personal vehicles for business purposes is often overlooked. When an employee has an at-fault accident while driving their own car on company business, their employer can be liable for their
- [The Who, What, When, and Why of D&O Runoff Policies for Private Companies](https://mcgriff.com/resources/articles/d-and-o-runoff-policies-for-private-companies/) - When private companies undergo mergers, divestitures or acquisitions, the seller should consider a Directors and Officers (D&O) runoff policy. What is a D&O runoff policy? When and why is it necessary, and how does it work? What Is a D&O Runoff Policy? A D&O policy is written on a claims-made basis, which means it responds
- [How Trade Credit Insurance Protects a Company’s Assets, Unlocks New Markets](https://mcgriff.com/resources/articles/how-trade-credit-insurance-protects-a-companys-assets-unlocks-new-markets/) - Accounts receivable are critical to a company’s balance sheet, directly affecting cash flow and profitability. Yet while most companies insure against property loss, liability, and other unpredictable, high-exposure events, their most valuable asset is open to loss. There is a safer way to do business: trade credit insurance. Trade credit insurance protects businesses from the
- [Client Advisory: Social Engineering in the Age of AI](https://mcgriff.com/resources/articles/client-advisory-social-engineering-in-the-age-of-ai/) - Threat Actors are integrating AI in their social engineering attacks. With artificial intelligence (AI), social engineering schemes are becoming more sophisticated, creating new challenges in the insurance industry. Social Engineering Tactics 98% of cyber incidents involve some form of social engineering1. Historically, threat actors have manipulated trust, exploited fear, and created a sense of urgency
- [Compliance Q&A: State Individual Mandate Reporting Requirements](https://mcgriff.com/resources/articles/compliance-qa-state-individual-mandate-reporting-requirements/) - Question I thought Affordable Care Act (ACA) reporting was a federal requirement and that individuals are no longer required to have health insurance to avoid penalties under the individual mandate, but I’ve heard that coverage and reporting may be required in some states. Is this true? Summary While health insurance is no longer required at
- [Client Advisory: Cyberattack Forces Oil and Gas Services Provider Halliburton to Take Systems Offline](https://mcgriff.com/resources/articles/client-advisory-cyberattack-forces-oil-and-gas-services-provider-halliburton-to-take-systems-offline/) - Latest example of threat actors targeting the oil & gas industry Halliburton stated it was hit by a cyberattack on August 21, 2024 when an unauthorized third party gained access to some of its systems. The top U.S. oilfield services firm is working with external advisers to assess and remediate the situation, the company said
- [Client Advisory: Addendum to SEC Rules from 2023](https://mcgriff.com/resources/articles/client-advisory-addendum-to-sec-rules-from-2023/) - As a follow-up to our client advisory in early 2023 (please see below), the McGriff Executive Risk Advisory practice would like to share that the insurance market is now responding with coverage for clawbacks. After a lot of interaction with regulatory agencies and legal opinions on whether or not coverage can be provided, AIG was
- [The Impact of Severe Convective Storms on Property Insurance](https://mcgriff.com/resources/articles/the-impact-of-severe-convective-storms-on-property-insurance/) - Severe convective storms are among the most frequent and severe natural disasters in the U.S. Warm, wet air rising from the earth causes them to manifest in various ways, depending on atmospheric circumstances, ranging from soaking thunderstorms with lightning to tornadoes, hail, and damaging straight-line winds. As urban areas grow and more people move into
- [Understanding Named Insureds on a Policy](https://mcgriff.com/resources/articles/understanding-named-insureds-on-a-policy/) - When placing insurance for companies with multiple subsidiaries and entities, it is important to understand what qualifies as an additional insured under the commercial policy and what does not. Failure to understand and adequately name subsidiaries and entities on policies could lead to denied claims and potential E&Os for McGriff. The Issue An insured client’s
- [Tackling Ableism in the Workplace: HR’s Role in Addressing Subtle Discrimination](https://mcgriff.com/resources/articles/tackling-ableism-in-the-workplace-hrs-role-in-addressing-subtle-discrimination/) - Since the passage of the Civil Rights Act of 1964, the workplace has been tasked with assuring that access to employment is free of discrimination based on any number of individual characteristics. The additional laws surrounding the Americans with Disabilities Act (ADA) and amendments expanded this focus even more. Today, applicants and employees may expect
- [Compliance Q&A: 2025 ACA Affordability Safe Harbors](https://mcgriff.com/resources/articles/compliance-qa-2025-aca-affordability-safe-harbors/) - Question I am an Applicable Large Employer (ALE) sponsoring a calendar year health insurance plan. I don’t know how much I should contribute to the cost of my employees’ health care. I want to avoid "pay-or-play" penalties, but I can’t afford to contribute more than the minimum required amount. What IRS affordability “safe harbor” works
- [Understand Your Coverages for Water Damage on a Property Policy](https://mcgriff.com/resources/articles/understand-your-coverages-for-water-damage-on-a-property-policy/) - When water from any source suddenly rises (or backs up) and causes property damage, you might understandably assume a property policy would automatically cover the resulting damage. In reality though, water damage is covered by property insurance policies in only five situations covered below. (A sixth cause of damage, water intrusion, is never covered by
- [Client Advisory: How the CrowdStrike Outage Illustrates the Value of Cyber Insurance](https://mcgriff.com/resources/articles/client-advisory-how-the-crowdstrike-outage-illustrates-the-value-of-cyber-insurance/) - In July, 2024, a widespread tech outage affected businesses and organizations across the globe. The tech outage serves as a reminder to all organizations, no matter their security software, to maintain strong business continuity plans, and cyber insurance, to ensure resilience against system failures. What happened? An issue with CrowdStrike cybersecurity software caused an online
- [Compliance Q&A: Retroactive Termination of Individuals' Benefits Coverage](https://mcgriff.com/resources/articles/compliance-qa-retroactive-termination-of-individuals-benefits-coverage/) - Question We just realized that a participant who has been ineligible for coverage for some time is still listed as an active employee on our group health plan. Can we terminate coverage back to when this person was first ineligible for coverage? If not, what do we need to consider now? Summary Because the Affordable
- [Borrowing Considerations to Fund Retirement Plan Liabilities](https://mcgriff.com/resources/articles/borrowing-considerations-to-fund-retirement-plan-liabilities/) - Pension sponsors often deal with fluctuating annual contributions and a funded status that never seems to improve. A troubling reality since a well-funded plan and predictable plan contributions would obviously be ideal. A pension plan’s annual contribution can be determined by considering the plan sponsor’s funding policy (limited by ERISA’s minimum contribution requirements). Nevertheless predictable
- [Guide to Choosing the Perfect Diamond](https://mcgriff.com/resources/articles/guide-to-choosing-the-perfect-diamond/) - Diamonds are a beautiful and thoughtful investment. Choosing the perfect diamond, whether for yourself or a loved one, is an exciting process but can be stressful if you don’t know what to look for. To help relieve some of the stress of picking the perfect diamond, here are a few simple tips. Remember Your A,
- [How to Combat Workplace Burnout](https://mcgriff.com/resources/articles/how-to-combat-workplace-burnout/) - Between work stress and other personal and social demands, it's important to prioritize your mental health, and maintain a healthy work-life balance. In recent years, there’s been a lot of talk about workplace “burnout.” Burnout is a syndrome caused by repeated workplace stress that results in a state of emotional, mental, and often physical
- [How to Protect Yourself When Hosting a Holiday Party](https://mcgriff.com/resources/articles/how-to-protect-yourself-when-hosting-a-holiday-party/) - Hosting a holiday party requires a lot of preparation – you have to decide on food to serve, music to play, decorations to put up, and whom to invite. But more important than knowing which hors d'oeuvres to pass, is knowing how to protect yourself as the host of the party. Take a look at
- [Prevent Theft While Traveling](https://mcgriff.com/resources/articles/prevent-theft-while-traveling/) - Thieves love tourists. It’s nothing personal. They’re just looking for an easy target – someone who’s carrying cash and credit cards, tablets and cameras, passports and other identification, all while being distracted by the new sights and sounds all around them. So how do you take it all in without allowing a thief to
- [How to Prepare Your Property for Cold Weather](https://mcgriff.com/resources/articles/how-to-prepare-your-property-for-cold-weather/) - With the approach of winter comes the threat of below-freezing temperatures, which could result in snow and ice. Take a look at these tips to help you stay safe and minimize damage to your home and property. Preparing Your Home Perform basic winter maintenance—insulate your walls and attic, caulk and weather-strip doors and windows, and
- [Protect Your Home From Fires](https://mcgriff.com/resources/articles/protect-your-home-from-fires/) - The thought of a house fire is incredibly scary, but most home fires are quite preventable. As Benjamin Franklin famously said, an ounce of prevention is worth a pound of cure. In the case of home fires, that couldn’t be more accurate. Follow these 10 fire prevention tips to protect your family and your home.
- [How to Mitigate Risk When Employing Staff in Your Home](https://mcgriff.com/resources/articles/how-to-mitigate-risk-when-employing-staff-in-your-home/) - Many high-net-worth families employ household staff to help support and manage their busy lifestyles. If you’re considering hiring employees such as nannies, housekeepers, gardeners, and chefs, there are risks to consider as well. By following these tips you can help protect yourself, your family, and your assets from the increased risk associated with retaining household
- [How to Recognize Phishing Emails](https://mcgriff.com/resources/articles/how-to-recognize-phishing-emails/) - Email is a powerful and convenient communication method that we use every day. However, email is also a favorite tool for fraudsters, so it’s important to know how to recognize fraudulent email activity, also known as “phishing.” How Phishing Works Phishing occurs when a scammer, posing as a trusted company or individual, sends you a
- [Department of Transportation Audit](https://mcgriff.com/resources/success-stories/department-of-transportation-audit/) - Business Issue A McGriff client received notice of an unexpected Department of Transportation (DOT) audit with only three days to prepare. Very concerned, they contacted their McGriff representative who brought in a consultant with the McGriff Risk Services team. In order to better understand the client’s business, the risk control consultant reviewed their Central Analysis
- [Senior Living Nonprofit](https://mcgriff.com/resources/success-stories/senior-living-nonprofit/) - Business Issue A non-profit association comprised of multiple senior living organizations was looking to move away from their current Workers’ Compensation and Professional Liability Insurance Group Buying Plan to a Risk Sharing Plan. This program was appealing because of the reductions in insurance premiums, however their particular state was very litigious and claims could become
- [Trucking Company](https://mcgriff.com/resources/success-stories/trucking-company/) - Business Issue A longtime, very large McGriff client in the trucking industry was concerned about their unacceptable “unsafe driving” DOT Basic score. Over several years the score was gradually worsening to reach the current critical state. Of equal concern was the knowledge that their current insurance carrier would no longer be offering coverage for transportation
- [Recreation Club](https://mcgriff.com/resources/success-stories/recreation-club/) - Business Issue A recreation club was facing a $100,000 lawsuit after one of its directors hired an employee from a neighboring club. The previous employer sued the club claiming a non-compete contract was violated when they hired the employee. Our client’s legal counsel filed a response to protect the suit from default. After some delay,
- [Recycling Business](https://mcgriff.com/resources/success-stories/recycling-business/) - Business Issue A McGriff client in the recycling business had grown to 17 locations in 14 states through various acquisitions. While the exponential growth was exciting, it also presented significant challenges developing and implementing consistent safety practices and standards. In addition, due to the nature of their business, claims management and establishing return to work
- [Restaurant](https://mcgriff.com/resources/success-stories/restaurant/) - Business Issue A McGriff client in the restaurant industry had a water backup issue in one of their locations. Employees were asked to mop up a small amount of water that had gathered by a drain in the floor and a plumber was contacted to identify and repair the problem. One of the employees involved
- [Pizza Delivery Franchisee](https://mcgriff.com/resources/success-stories/pizza-delivery-franchisee/) - Business Issue A large group of pizza delivery franchisees throughout the country formed a group Workers’ Compensation program. The program allowed all franchisees from the small to the very large to receive favorable insurance pricing from an "A"-rated carrier. While the sizable group plan created an attractive business opportunity for insurance carriers, the quality of
- [Public School](https://mcgriff.com/resources/success-stories/public-school/) - Business Issue A public school insured through McGriff was struck by lightning, causing extensive damage to the air conditioning compressor and main server for the building’s maintenance system. The claim was reported under their property policy, and the carrier‘s adjuster determined the system to be a total loss. It was also clear the client would
- [Hotel Management](https://mcgriff.com/resources/success-stories/hotel-management/) - Business Issue A McGriff client in the hotel management industry purchased a new location to add to their portfolio. The client was unsure how to establish an adequate valuation necessary to properly insure the property. In order to include a replacement cost coverage valuation on their policy, they would need to meet the policy coinsurance
- [Hurricane Advocacy](https://mcgriff.com/resources/success-stories/hurricane-advocacy/) - Business Issue Three hurricanes made landfall in the United States in 2017. One area that was significantly impacted was the Gulf Coast of Florida. These storms affected multiple McGriff clients and specifically many property management businesses. Many properties suffered major roof damage, allowing water intrusion. Claims were submitted to the client’s insurance carriers, but they
- [Family Restaurant Chain](https://mcgriff.com/resources/success-stories/family-restaurant-chain/) - Business Issue A family restaurant chain was looking to partner with an insurance broker that could, among other things, help decrease workers’ compensation losses. Although the business had a dedicated team to manage safety and claims, frequent losses were impacting the experience mod, resulting in rising insurance premiums. After evaluating their options, the client selected
- [Private School](https://mcgriff.com/resources/success-stories/private-school/) - Business Issue A formal inquiry and request for information was sent by the Justice Department to a school insured through McGriff. The inquiry notice was based on the Sherman Antitrust Act, a federal law that prohibits contracts, combinations, or conspiracies “in the restraint of trade or commerce”. The Justice Department alleged the private school had
- [Education Practice](https://mcgriff.com/resources/success-stories/education-practice/) - Business Issue Our client sustained a large property loss when a sprinkler pipe broke and flooded their school. They contacted their McGriff Risk Services claim consultant to discuss the situation. Because the building was leased and still within the one year “guarantee” provided by the building owner, the consultant advised the client the building owner
- [Dairy Farm](https://mcgriff.com/resources/success-stories/dairy-farm/) - Business Issue As a result of a severe storm with heavy rain and high winds, a McGriff client in the dairy farm business sustained property damage to four buildings and some business equipment. The damaged equipment was used to plant corn and water the crops. It was the beginning of the planting season for our
- [Condominium Association](https://mcgriff.com/resources/success-stories/condominium-association/) - Business Issue A tropical storm caused an interruption of power to a client’s fire pump system which was permanently installed in a pump house on the premises. When the power came back on, the surge caused the pump to run excessively and catch fire. The client immediately replaced the system to keep their property owners
- [Home Sewage Backup](https://mcgriff.com/resources/success-stories/home-sewage-backup/) - McGriff Saves Client $150,000 Sewage backup. Two little words that can add up to one big mess—and one giant headache for a new McGriff client. With extensive damage to their wine cellar, sauna, and luxury flooring, they were facing a $150,000 claim. Fortunately, just five days before the incident, the client switched to McGriff. The
- [Energy Client: Transformer Asset Management](https://mcgriff.com/resources/success-stories/energy-client-transformer-asset-management/) - Business Issue A McGriff Energy client had suffered a number of transformer property losses, with about $10 million in gross claims over a 4-year period. Aged units combined with a lack of maintenance and testing management programs were partly to blame. The participating insurance panel was no longer comfortable with the account risk quality and
- [Use of Shared Risk and Negotiated Risk Agreements in Senior Living](https://mcgriff.com/resources/white-papers/use-of-shared-risk-and-negotiated-risk-agreements-in-senior-living/) - Summary Balancing resident independence with safety is a key concern in senior living communities. Shared and negotiated risk agreements have emerged as valuable tools to empower residents to make informed choices about their independence while ensuring appropriate safety measures are in place. However, the effectiveness of these agreements depends not only on their initial implementation
- [Weathering the Storm 2025](https://mcgriff.com/resources/white-papers/weathering-the-storm-2025/) - Summary 2024 brought another active year for weather and climate disasters in the United States. There were 27 confirmed disaster events exceeding $1 billion according to NOAA’s National Centers for Environmental Information (NCEI). These disasters caused at least 568 direct or indirect fatalities, which is the eighth highest for billion-dollar disasters over the last 45
- [McGriff Market Update: Q4 2024](https://mcgriff.com/resources/white-papers/mcgriff-market-update-fall-2024/) - Summary The overall Property and Casualty insurance market continued to stabilize throughout 2024, with most rate increases continuing to decelerate year over year. This includes the Commercial Property market, even post Helene/Milton, as insured losses continue to accumulate. The Umbrella market is an outlier, with higher rate and premium increases and reduced capacity for the
- [Strategies to optimize your property program - 2024 Property Market Update](https://mcgriff.com/resources/white-papers/strategies-to-optimize-your-property-program-2024-property-market-update/) - Summary The property insurance market outlook for 2024 has shown signs of improvement with decelerated rate increases as compared to the last several years. This comes as positive news amid insureds’ fatigue of significant rate increases over multiple years, particularly in 2023, as insureds saw large jumps in their property insurance costs. Rate increases in
- [Weathering the Storm 2024](https://mcgriff.com/resources/white-papers/weathering-the-storm-2024/) - Summary According to the National Oceanic and Atmospheric Administration (NOAA), the 2023 Atlantic hurricane season ranks fourth for most named storms since 1950. There were 20 named storms, seven hurricanes, and three major hurricanes.¹ In addition, 2023 broke multiple weather and climate records, including the warmest July on record, highest monthly sea temperature, and first
- [McGriff Market Update: Spring 2024](https://mcgriff.com/resources/white-papers/mcgriff-market-update-spring-2024/) - Summary The Property insurance market began stabilizing in 2024 due to significant rate increases over the past several years, with reinsurers cautiously expanding their capacity and appetites. The Commercial Auto market continues to be challenging for most accounts with a heavy fleet exposure. Read the Market Update (PDF)
- [2024 National Benefit Trends Survey Results](https://mcgriff.com/resources/white-papers/2024-national-benefit-trends-survey-results/) - Get strategies from some of the top employers on how they're navigating rising healthcare costs, access to quality care, and trending high-cost drugs. This year's survey reveals how employers are investing in professional development opportunities for their workforce, and enhancing benefit offerings and workplace flexibility to meet employees where they are. Check out the results
- [2025 National Benefit Trends Survey Results](https://mcgriff.com/resources/white-papers/2025-national-benefit-trends-survey-results/) - McGriff’s fifth annual National Benefit Trends Survey is a compilation of insights from organizations regarding their human resources (HR) initiatives, employee benefits, and strategies for managing workforce challenges. The survey results are organized into various sections, each addressing different aspects of employee benefits and organizational strategies. We continue to focus this year on top-of-mind strategies
- [2023 Retirement Benefits Survey Results](https://mcgriff.com/resources/white-papers/2023-retirement-benefits-survey-results/) - Explore industry trends with our latest report in McGriff’s survey series – the 2023 retirement benefits survey! This valuable resource can help teams make informed decisions about their retirement offerings. Complete the form to download the report now and gain insights into the topic and enhance your strategies.
- [2023 Paid Leave and Compensation Survey Results](https://mcgriff.com/resources/white-papers/2023-paid-leave-and-compensation-survey-results/) - What are employer strategies for parental leave, paid time off, and compensation management – and what are the emerging trends? Find out in the 2023 Paid Leave and Compensation Survey, the latest report in the McGriff survey series! This valuable resource is designed to help HR teams make informed decisions about their company policies. Download
- [McGriff Market Update: Fall 2023](https://mcgriff.com/resources/white-papers/mcgriff-market-update-fall-2023/) - Summary The Commercial Property insurance market remains challenging with rate increases in the double digits due to billion-dollar weather and climate disasters, high inflation, and rising claim costs. Accurate property values continue to be a front-and-center issue for underwriters. The Commercial Auto insurance market is also challenged as a result of higher repair costs and
- [Weathering the Storm 2023](https://mcgriff.com/resources/white-papers/weathering-the-storm-2023/) - Summary According to NOAA’s Climate.gov, 2022 was a billion-dollar weather and climate year with multiple costly disasters throughout the country. 2022 tied 2017 and 2011 for the third highest number of billion-dollar events and was also the third highest year in cost. In 2022, the United States saw 18 separate weather events costing an estimated $165.1
- [2023 National Benefit Trends Survey Results](https://mcgriff.com/resources/white-papers/2023-national-benefit-trends-survey-results/) - Learn how employers are responding to the employee benefits challenges of 2023 and beyond. Recruiting and retention have been top of mind for most employers over the last few years. In this year’s survey, we show how strategies related to those efforts have evolved since last year. And we dive into the ways employers are
- [Client Advisory: Legal Update for Companies Incorporated in Delaware](https://mcgriff.com/resources/articles/client-advisory-legal-update-for-companies-incorporated-in-delaware/) - Bylaw provision can reduce litigation costs and streamline litigation Over the past three years, directors and officers of public companies trading in the United States have been named in more in securities claims filings than any prior three-year period in history. The plaintiff-friendly 2018 Supreme Court decision, Cyan, Inc. v Beaver County Employees Retirement Fund, has
- [Client Advisory: SEC Issues Disclosure Rule for Climate-Related Risks](https://mcgriff.com/resources/articles/client-advisory-sec-issues-disclosure-rule-for-climate-related-risks/) - The McGriff Executive Risk Advisors team has observed a steady uptick in regulatory activity aimed at publicly traded companies (and certain privately held companies) over the last several years. One example was addressed in a previous McGriff client advisory related to a Securities and Exchange Commission (SEC) claw back rule. There was also the overreach by
- [Client Advisory: Cyber Insurance Considerations for New SEC Cybersecurity Rules for Public Companies](https://mcgriff.com/resources/articles/client-advisory-cyber-insurance-considerations-for-new-sec-cybersecurity-rules-for-public-companies/) - In this client alert, we summarize the new cybersecurity disclosure requirements in the final rules and suggest ways to prepare for compliance with the new requirements from an insurance perspective. While companies will need to review their D&O, cyber, and crime bond insurance policies, this client alert will focus on cyber insurance considerations. On
- [Client Advisory: Insurance Strategies For Renewable Energy Tax Credits](https://mcgriff.com/resources/articles/client-advisory-insurance-strategies-for-renewable-energy-tax-credits/) - Combining Tax Insurance and Business Interruption Insurance To Achieve Tax Credit Qualification and Quantification Certainty It’s hard to believe that more than a year has passed since the Inflation Reduction Act (IRA) was signed into law. The climate-related impacts of this sweeping legislation are certainly already being felt. Significant investments from a broader investor pool are
- [Market Advisory: Nevada AB 398/Defense Outside the Limit](https://mcgriff.com/resources/articles/market-advisory-nevada-ab-398defense-outside-the-limit/) - On June 3, 2023, Nevada Assembly Bill (AB) 398 was signed into law and is effective as of October 1, 2023. The law prohibits an insurer from issuing or renewing a liability policy that erodes the policy limits of liability by the costs of defense. Notwithstanding any other provision of law, an insurer –including,
- [Client Advisory: Florida House Bill 837](https://mcgriff.com/resources/articles/client-advisory-florida-house-bill-837/) - On March 24, 2023, Florida Gov. Ron DeSantis signed House Bill 837 into law. The tort reform will have a significant impact on civil litigation going forward. What will this mean for Insurance? In this advisory, we will explore how this bill may affect claims. What is it? And how does it affect Insurance? Why
- [Compliance Q&A: Best Practices for Level-Funded Plan Compliance](https://mcgriff.com/resources/articles/best-practices-for-level-funded-plan/) - Question We are considering moving from a fully-insured to a level-funded group health plan. What should we be thinking about from a compliance perspective? Summary Often considered a hybrid approach, level-funded plans provide the stability of fixed premiums (similar to fully-insured plans) along with the ability to share in a degree of cost savings (a
- [Compliance Q&A: Rehire Rules After the Affordable Care Act](https://mcgriff.com/resources/articles/rehire-rules-after-the-affordable-care-act/) - Question My company is an Applicable Large Employer using the look-back measurement method to determine full-time status of our employees. One of our full-time employees left the company to pursue another career. Four months later, he returned to the company as a part-time employee. Do I need to offer him health insurance coverage? Summary In
- [Compliance Q&A: Can We Pay for Executive Physicals?](https://mcgriff.com/resources/articles/paying-for-executive-physicals/) - Question Can employers provide physicals for their executives? Summary Yes, but as with most things in benefits, you’ll need to think through the compliance considerations. Unfortunately, it’s not as easy as just reimbursing or paying the cost of the physical. Although it seems like a small thing, simply paying or reimbursing for the cost of
- [Compliance Q&A: Health Flexible Spending Accounts - Unsubstantiated Expenses](https://mcgriff.com/resources/articles/compliance-qa-health-flexible-spending-accounts-unsubstantiated-expenses/) - Question We switched to a new health Flexible Spending Account (FSA) third-party administrator (TPA). The new TPA deactivated one of our employee's FSA debit card because of $20 in unsubstantiated expenses, stating this was an Internal Revenue Code requirement. Our prior TPA told us expenses under $25 did not need to be substantiated and that
- [Compliance Q&A: Short Plan Year](https://mcgriff.com/resources/articles/short-plan-year/) - Question We are an applicable large employer (ALE) and we currently operate medical plans and other benefits on a plan year ending March 31st (current plan year ending March 31, 2026). We want to amend our plan year to a calendar year plan so that our employees can better understand the timing and election of
- [Compliance Q&A: Accidental MEWA](https://mcgriff.com/resources/articles/accidental-mewa/) - Question Our company (Company A) is a closely owned family business and there is a related company (Company B) that has somewhat similar ownership. Company A is owned by four brothers, W, X, Y and Z, and each owns 25% of the common stock. Company B is owned by the same four brothers (10% ownership
- [Compliance Q&A: Classing Out Executive Benefits](https://mcgriff.com/resources/articles/classing-out-executive-benefits/) - Question Our company would like to reward our executive team for their hard work in turning around the company’s recent financial difficulties and making the company profitable again. We would like to pay a greater portion of the premiums for our group health plan for our executives than we pay for our rank-and-file employees. Can
- [Compliance Q&A: High-Cost Claimants: ADA, ACA, HIPAA and ERISA](https://mcgriff.com/resources/articles/high-cost-claimants/) - Question We are examining various health coverage and plan design options in order to save money. One employee, a hemophiliac, has experienced high claims and requires expensive, ongoing treatment. Our reinsurance carrier has imposed a laser at $500,000 for this employee, which is a significant financial burden. May we offer this high-cost claimant cash to
- [Compliance Q&A: COBRA Implications under Severance Agreements](https://mcgriff.com/resources/articles/cobra-implications-under-severance-agreements/) - Question Typically, when we terminate a management or executive employee, we agree to pay all or part of their COBRA premiums for a period of time. What compliance concerns should we consider? Summary While an employer may subsidize COBRA for terminated employees, including management and executives, there are potential compliance traps for the unwary. These
- [Compliance Q&A: How Long Should Benefits Be Continued During an Employee’s Leave of Absence?](https://mcgriff.com/resources/articles/benefits-continuation-during-loa/) - Question One of our employees has been on medical leave for the past four months. Do I have to continue offering our medical insurance benefits or can I go ahead and terminate the medical coverage? Summary Ideally, the question of how long to continue benefits during an employee's leave of absence (LOA)1 has been proactively
- [Compliance Q&A: Reporting Prescription Drug and Health Care Spending](https://mcgriff.com/resources/articles/reporting-prescription-drug-and-health-care-spending/) - Interested in the steps plan sponsors need to take to comply with the RxDC rules? Learn these steps and how they fit into the larger picture of healthcare transparency laws in this compliance QA.
- [Compliance Q&A: Group Term Life Insurance - Taxation](https://mcgriff.com/resources/articles/group-term-life-insurance-taxation/) - Questions We provide a basic group term life insurance policy of $50,000 to employees. We understand that providing a group life insurance policy under $50,000 would not require an imputed income calculation, but what about supplemental life insurance? Can you provide a high-level overview of group term life insurance and when an employer might have
- [Compliance Q&A: On-site Clinics](https://mcgriff.com/resources/articles/compliance-qa-on-site-clinics/) - Question We are considering starting an on-site medical clinic where our employees can receive medical care. Can you explain the main employee benefits compliance concerns for such a clinic? Summary Employers providing access to an on-site medical clinic for their employees have several potential compliance issues to consider, including ERISA, COBRA, HIPAA, the ACA, and
- [Compliance Q&A: Interns and Offers of Coverage](https://mcgriff.com/resources/articles/interns-and-offers-of-coverage/) - Question I have hired a couple of interns. They’re scheduled to work full-time hours but they’re only going to be with us for about four months. Am I at risk of any Affordable Care Act (ACA) “Pay or Play” penalties if I decide not to offer these interns health coverage? Summary If the employer is
- [Building a Culture of Wellness and Safety](https://mcgriff.com/resources/articles/building-a-culture-of-wellness-and-safety/) - It is not uncommon to hear that while many employers have both safety and wellness committees, they rarely interact with one another. Employees, managers, and leaders may inherently realize that there are benefits to combining safety and well-being efforts, and quite a bit of overlap, but they also may encounter difficulties when it comes to
- [August 2023 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/august-2023employee-benefits-newsletter/) - August 2023 This month’s issue of the It Benefits You newsletter includes: Upcoming Compliance Deadlines The Choice to Offer Family-Forming Benefits Are You Still Filing Paper ACA Reports with the IRS? McGriff Pharmacy Insights Newsletter What You Need to Know About Anti- Obesity Medications (AOMs) Mineral Live Advisors Can Help! Navigating Risks – The Challenges
- [July 2023 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/july-2023employee-benefits-newsletter/) - July 2023 This month’s issue of the It Benefits You newsletter includes: Upcoming Compliance Deadlines Communicating Benefits to Your Employees HR 501: The Case for Grace 2024 HSA/HDHP Limits Increase HDHPs and the Minimum Deductible Requirements Weathering the Storm Compliance Q&A: Continuation of Benefits During a Leave of Absence McGriff July Webinar Opportunities Read the
- [June 2023 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/june-2023employee-benefits-newsletter/) - June 2023 This month’s issue of the It Benefits You newsletter includes: Upcoming Compliance Deadlines McGriff 2023 Paid Leave andCompensation Survey Some Things Never Change: IRSConfirms (Again) FSA and DCAPSubstantiation Requirements PCORI Fees: Proper CountingMethod May Help Self-Funded PlansSave Money How Much “Tech” is Your Ben AdminTechnology Solution Really Using? When Not to Worry About
- [September 2023 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/september-2023-employee-benefits-newsletter/) - September 2023 This month’s It Benefits You employee benefits newsletter content​ includes: Cruise into Fall with McGriff’s Employee Benefits Road Trip! Upcoming Compliance Deadlines Don’t Choke on the Gag Clause Attestation Rules 2023 McGriff Paid Leave & Compensation Survey Compensation, Retention & Rewards – Trends & Best Practices for Today’s Workforce Healthcare Must be Focused on the
- [October 2023 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/october-2023-employee-benefits-newsletter/) - October 2023 This month’s It Benefits You employee benefits newsletter content​ includes: Wellness Programs: Looking Back / Looking Forward. A webinar opportunity with Peak Health! Upcoming Compliance Deadlines Fall Into Savings for Parents with an FSA or HSA Plan The Actuarial Impacts of Long COVID: An Emerging Challenge for Insurance Providers 2024 Open Enrollment Checklist Reference-Based Pricing:
- [November 2023 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/november-2023-employee-benefits-newsletter/) - November 2023 This month’s It Benefits You employee benefits newsletter content​ includes: This is McGriff! Upcoming Compliance Deadlines The Impact of Diversity & Inclusion on Management Liability Why You Should Audit Your Monthly Carrier Invoices HRAs, HSAs, FSAs – What’s the Difference? Gag Clause Prohibition Compliance Attestation ROI & the Measurement of HR Success Health Plans Must
- [December 2023 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/december-2023-employee-benefits-newsletter/) - December 2023 This month’s It Benefits You employee benefits newsletter content​ includes: Upcoming Compliance Deadlines An Employer's Guide to Planning a Holiday Party McGriff 2023 ACA Reporting Toolkit State Individual Mandates and Reporting Requirements End of Enforcement Relief for Machine-Readable Files EB Compliance Checkup: Executive Physicals Holiday Q&A: Are We Required to Offer Alternative Days Off if
- [January 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/january-2024-employee-benefits-newsletter/) - January 2024 This month’s It Benefits You employee benefits newsletter content​ includes: A Message from Jed Skeete, McGriff Employee Benefits National Leader New Year, New Vision: January 18 McGriff Webinar Opportunity Upcoming Compliance Deadlines 2024 HR Compliance Calendar Compliance Q&A: Excepted Benefits Building a Culture of Health & Safety: Where to Start? Silent Epidemic: The
- [February 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/february-2024-employee-benefits-newsletter/) - February 2024 This month's It Benefits You employee benefits newsletter content includes: McGriff February Webinar: Will 2024 Bring Us AI and ML Threats? Upcoming Compliance Deadlines March 1 – Medicare Part D Coverage Disclosure to CMS (calendar year plans) March 1 – MEWA Annual M-1 March 1 – IRS Forms 1095-B/1095-C Due to Individuals April
- [March 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/march-2024-employee-benefits-newsletter/) - March 2024 This month's It Benefits You employee benefits newsletter content includes: Building Strong Foundations – Employee Benefits Compliance: March 21 McGriff Webinar Opportunity Upcoming Compliance Deadlines A Return to Prioritizing Retirement Benefits The Top Five Wellness Trends in Employee Benefits Seven Things to Consider When Providing Paid Time Off Compliance Q&A: Continuation of Benefits
- [2024 Q1 Pharmacy Insights Newsletter](https://mcgriff.com/resources/newsletters/2024-q1-pharmacy-insights-newsletter/) - Q1 2024 This quarter’s Pharmacy Insight newsletter includes: Healthcare Landscape - A Focus on Diabetes Science of Obesity ​What Employers Should Know About Popular Weight Loss Drugs Clinical Information for GLP-1 Agonists Read the Newsletter (PDF)
- [April 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/april-2024-employee-benefits-newsletter/) - April 2024 This month’s It Benefits You employee benefits newsletter content​ includes: Upcoming Compliance Deadlines June 1 – Reporting on Pharmacy Benefits and Drug Costs (RxDC) July 31 – PCORI Fee Deadline July 31 – Form 5500 Filing Deadline (Calendar Year Plans) Avoiding Ableism and Promoting Inclusion in Wellness Tax Time Reminders for FSAs and
- [May 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/may-2024-employee-benefits-newsletter/) - May 2024 This month’s It Benefits You employee benefits newsletter content​ includes: Upcoming Compliance Deadlines: June 1: Reporting on Pharmacy Benefits and Drug Costs July 31: PCORI Fee Deadline July 31: Form 5500 Filing Deadline (Calendar Year Plans) 2024 McGriff Benefit Trends Survey: Results & Webinar Opportunity Hop on the ‘Let’s Get Digital’ Soapbox Compliance Q&A:
- [June 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/june-2024-employee-benefits-newsletter/) - June 2024 This month’s It Benefits You employee benefits newsletter content​ includes: A McGriff Webinar Opportunity: Ben Admin Technology Implementation – Best Practices! Register today. *Eligible for 1.0 SHRM/HRCI. Upcoming Compliance Deadlines June 1 – Reporting on Pharmacy Benefits and Drug Costs July 31 – PCORI Fee Deadline July 31 – Form 5500 Filing Deadline (Calendar Year Plans)
- [July 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/july-2024-employee-benefits-newsletter/) - July 2024 This month's It Benefits You employee benefits newsletter content includes: McGriff Webinar Opportunity: Building Strong Foundations – Employee Benefits Compliance – Register for this webinar. *Eligible for 1.0 SHRM/HRCI. Upcoming Compliance Deadlines July 31 – PCORI Fee Deadline July 31 – Form 5500 Filing Deadline (Calendar Year Plans) September 30 – Summary Annual Report (Calendar
- [August 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/august-2024-employee-benefits-newsletter/) - August 2024 This month's It Benefits You employee benefits newsletter content includes: Upcoming Compliance Deadlines: September 30: Summary Annual Report October 14: Medicare Part D Creditable Coverage Notice Political Discussions in the Workplace A McGriff Webinar Opportunity: Are You Prepared for the Next Active Assailant Incident and Crisis Response? Register for this webinar *Eligible
- [September 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/september-2024-employee-benefits-newsletter/) - September 2024 This month's It Benefits You employee benefits newsletter content includes: Upcoming Compliance Deadlines 2025 Open Enrollment Checklist Using Medical Loss Ratio Rebates The Early Bird Gets the Worm and Other Lessons for Better Recruitment Results How to Provide Performance Feedback to Managers Compliance Q&A: COBRA Implications Under Severance Agreements McGriff Mineral Demonstration Opportunity
- [October 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/october-2024-employee-benefits-newsletter/) - October 2024 This month's It Benefits You employee benefits newsletter content includes: Medicare Part D Creditable Coverage Notices IRS Releases 2025 Affordability Percentages Unearthing Your EAP’s Hidden Potential Get Results from Your Wellness Plan Instead of Just Giving Away Money DOL Updates Gag Clause Attestation Resources for Upcoming Dec. 31 Deadline McGriff Journey: Enhancing Employee
- [December 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/december-2024-employee-benefits-newsletter/) - December 2024 This month's It Benefits You employee benefits newsletter content includes: Gag Clause Prohibition Compliance Attestation Due By December 31 Empathy-Driven Accessibility: Making the Workplace Inclusive for All What Employers Should Know About Seasonal Employment McGriff ACA Reporting Toolkit: 2024 1094-C / 1095-C Forms Don't Forget State Individual Mandates & Reporting Requirements Do I
- [November 2024 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/november-2024-employee-benefits-newsletter/) - November 2024 This month's It Benefits You employee benefits newsletter content includes: Key Trends: Pharmacy and Managed Care Webinar Upcoming Compliance Deadlines New HIPAA Rules Require Health Plans to Update Policies by December 23 3 Signs Your Wellness Program Could Be a Failing Investment Set Your Self-Funded Health Plan Up for Success in 2025 Preparing Your Workplace for Severe Weather McGriff
- [2024 Q4 Pharmacy Insights Newsletter](https://mcgriff.com/resources/newsletters/2024-q4-pharmacy-insights-newsletter/) - 2024 Q4 This quarter’s Pharmacy Insight newsletter includes: Pharmacy Benefit Best Practices for 2025 Assura: Innovative Solution to Managing Specialty Trend Read the Newsletter (PDF)
- [January 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/january-2025-employee-benefits-newsletter/) - It Benefits You January 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines Key Drivers of 2025 Health Care Cost Increases Tackling Ableism in the Workplace: HR's Role in Addressing Subtle Discrimination What to Look for in a TPA for Your Flexible Benefits & COBRA Administration Do You Need a "Wrap Plan Document"?
- [February 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/february-2025-employee-benefits-newsletter/) - It Benefits You February 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines Affordable Care Act Reporting Relief Now Available AI & the Outlook for Human Resources in 2025 Webinar Opportunity: February 20, 2025, 2pm ET - Register Today McGriff 2025 National Webinar Schedule Set Your Self-Funded Health Plan Up for Success in
- [March 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/march-2025-employee-benefits-newsletter/) - It Benefits You March 2025 This month's employee benefits newsletter content includes: McGriff 2025 Reporting & Disclosure Guide & Recorded Webinar Upcoming ACA Compliance Deadlines 2025 FPL Impacts Employer 'Pay or Play' Affordability Calculations Pharmacy Benefit Best Practices for 2025 Cooking Up a Compliant Benefits Strategy! Webinar Opportunity: March 20, 2025 - Register Today! How
- [April 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/april-2025-employee-benefits-newsletter/) - It Benefits You April 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines RxDC Reporting: Compliance Steps for Plan Sponsors A New Vision for Your Company's Drugfree Workplace Programs Webinar Opportunity: April 10, 2025 - Register Today! Emerging Pharmacy & Managed Care Webinar Opportunity: April 17, 2025 - Register Today! How to Reduce
- [May 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/may-2025-employee-benefits-newsletter/) - It Benefits You May 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines Webinar: 2025 McGriff National Benefit Trends Survey Results HR Policy: Can You? Or Should You? How to Combat Wellness Point Solution Fatigue Compliance Q & A: High-Cost Claimants Transform the Employee Experience with McGriff Journey® MHPAEA: Employer Plan Sponsor Action Steps
- [June 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/june-2025-employee-benefits-newsletter/) - It Benefits You June 2025 This month's employee benefits newsletter content includes: McGriff 2025 Benefits Trends Survey Results! Upcoming Compliance Deadlines PCORI Fees: Proper Counting Method May Help Self-Funded Plans Save Money Are Chronic Conditions Driving Up Your Workers’ Comp Spend? HR Solutions: Dependent Care FSAs Sustainable Businesses: Business Interruption Insurance & Business Continuity *June 12
- [July 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/july-2025-employee-benefits-newsletter/) - It Benefits You July 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines: PCORI Fee and Form 5500 (Calendar Year Plans) Compliance Q&A: Interns and Offers of Coverage A Cautionary Tale: Version Control and Benefit Guides Weathering the Storm 2025 Guide Flexible Benefits: More Show, Less Tell*July 24 Webinar Opportunity New Simplified Rules
- [McGriff Market Update: Q2 2025](https://mcgriff.com/resources/white-papers/mcgriff-market-update-q2-2025/) - Summary With the exception of Commercial Auto and Umbrella, all other insurance lines showed lower premium increases in Q1 2025 than in the last quarter of 2024, signaling softened market conditions, according to the most recent report from The Council of Insurance Agents & Brokers (CIAB). Read the Market Update (PDF)
- [Standing with you for hurricane Michael landfall](https://mcgriff.com/resources/releases/standing-with-you-for-hurricane-michael-landfall/) - Staying safe October 10, 2018 As Hurricane Michael begins to batter northwest Florida, our thoughts and prayers go out to those of you in the path of this potentially catastrophic storm. A life-threatening storm surge up to 13 feet, flooding rains and destructive winds are predicted for Florida's panhandle and Big Bend area. Please stay
- [Business Income Insurance: Lessons from Recent Disasters](https://mcgriff.com/resources/articles/business-income-insurance-lessons-from-recent-disasters/) - When a disaster strikes, physical damage is just the beginning. For many businesses, the bigger challenge is the disruption to operations, revenue, and customer trust. Business Income (BI) coverage—often misunderstood or overlooked—has emerged as a critical tool for ensuring resilience. From hurricanes and wildfires to supply chain breakdowns, real-world events have proven that companies with
- [Guestroom Privacy and Key Control: From Policy Statement to Operational Imperative](https://mcgriff.com/resources/articles/guestroom-privacy-and-key-control-from-policy-statement-to-operational-imperative/) - When it comes to liability in hotels, few issues rival the reputational damage and monetary losses stemming from failures in guestroom security and privacy protection. The infamous Erin Andrews v. Marriott case—resulting in a $55 million jury award to the Fox Sports reporter—remains a stark reminder of how critical these protections are.1 Such privacy violations
- [Employee Retention in an Age of Choice](https://mcgriff.com/resources/articles/employee-retention-in-an-age-of-choice/) - Will They Stay or Will They Go? The seasoned HR manager/director/executive will tell you: “If you want to know what your employees are thinking, just ask them.” Traditionally we have done this through two methods: the anonymous “employee engagement survey” or the “exit interview”. Although both can provide some useful information, they can be
- [McGriff statement on equality, safety and justice](https://mcgriff.com/resources/releases/mcgriff-statement-on-equality-safety-and-justice/) - Stand for better June 10, 2020 At McGriff, we believe there is no place for hatred, racism or bias. We’re committed to advancing equality, respect, safety and justice. As such, we are dedicated to providing a diverse and inclusive work environment. We echo the comments from our parent organization’s Chairman and CEO, Kelly King. “Our nation
- [Why Flood Insurance Is Needed Everywhere](https://mcgriff.com/resources/articles/why-flood-insurance-is-needed-everywhere/) - Flooding events are happening everywhere, not just along the coast or in what were once considered high-risk flood zones. In 2025 alone, devastating floods hit places as geographically diverse as New York, Texas, Kentucky, and North Carolina, many of which aren’t traditionally considered flood-prone areas. Moreover, flood season is year-round. From snowmelt and stalled weather
- [Why Cyber Insurance Is Essential for Small Businesses](https://mcgriff.com/resources/articles/why-cyber-insurance-is-essential-for-small-businesses/) - When small business owners think about cyberattacks, they picture major corporations like Target or Equifax making headlines. However, in reality, small businesses are increasingly targeted by cybercrime and often experience devastating financial consequences. Even among those businesses that are aware of today’s cyber risks, 64% believe their operation is too small to be an attractive
- [The Early Bird Gets the Worm – And Other Lessons for Better Recruitment Results](https://mcgriff.com/resources/articles/the-early-bird-gets-the-worm-and-other-lessons-for-better-recruitment-results/) - In case you haven’t noticed, we are in the midst of the greatest advancements in technology in the history of humankind. No longer burdened by “snail mail,” “in-person applications,” “letter writing,” “paper checks” and hundreds of other time-consuming tasks, technology has changed our world. Mostly for the better (although I know I will get some
- [Why You Should be Auditing Your Monthly Carrier Invoices: Bill Reconciliation from a Compliance Perspective](https://mcgriff.com/resources/articles/why-you-should-be-auditing-your-monthly-carrier-invoices/) - Have You Reviewed Your Bills Lately? While conversations about finances are always first on the agenda at annual renewal meetings, there are a variety of reasons why plan sponsors and HR should be paying attention to carrier invoices year-round. As a former account manager, I cannot count the number of times that a client who
- [Do I Really Need Employee Benefits Counsel?](https://mcgriff.com/resources/articles/do-i-really-need-employee-benefits-counsel/) - When it comes to group health plans, many HR managers rely on their insurance broker and account teams to guide them through the complexities of regulatory requirements and best practices. While an insurance broker should provide valuable support and direction, an implicit (or sometimes explicit) question can arise when complex issues are encountered: “Do I
- [Hop on the 'Let’s Get Digital' Soapbox](https://mcgriff.com/resources/articles/hop-on-the-lets-get-digital-soapbox/) - I’ve been on a “Let’s Get Digital” soapbox for delivering employee benefits communications for several years. Digital is more effective than print in SO many ways, many of which I will outline below. But first, let’s acknowledge that there is no surefire way for any organization to get employees to pay attention to and
- [Leveraging Artificial Intelligence in Predicting Future Medical Claim Costs: An Actuarial Perspective](https://mcgriff.com/resources/articles/leveraging-artificial-intelligence-in-predicting-future-medical-claim-costs-an-actuarial-perspective/) - In the realm of insurance, predicting future medical claim costs is pivotal for maintaining financial stability and offering competitive premiums. Traditionally, actuarial methods have been the backbone of this process, relying heavily on historical data and statistical models. However, the advent of artificial intelligence (AI) has revolutionized this landscape, offering unprecedented opportunities to enhance prediction
- [Get Results from Your Wellness Program Instead of Just Giving Away Money](https://mcgriff.com/resources/articles/get-results-from-your-wellness-program-instead-of-just-giving-away-money/) - A common problem with employer wellness programs is that they don’t really drive behavior change that improves health outcomes. In a typical homegrown wellness program, an employer incentivizes their employees to complete basic health activities like an annual physical and lab work. The rewards often range from $150 to over $2,000 per year in some
- [Silent Epidemic: The Crucial Role of Managing Chronic Conditions to Control Medical Claims Costs](https://mcgriff.com/resources/articles/silent-epidemic-the-crucial-role-of-managing-chronic-conditions-to-control-medical-claims-costs/) - In the ever-evolving landscape of healthcare, one key factor stands out as a linchpin in the pursuit of a healthier and more sustainable system: the effective management of chronic medical conditions. Chronic diseases, such as diabetes, hypertension, and heart disease, pose a significant challenge to both individuals and the broader healthcare space. Beyond their
- [The ROI of Return-to-Work Programs: Better Claims Outcomes, Cost Savings](https://mcgriff.com/resources/articles/the-roi-of-return-to-work-programs-better-claims-outcomes-cost-savings/) - Return-to-work (RTW) programs are structured initiatives that aim to reintegrate individuals who have sustained workplace injuries or illnesses into their positions as soon as safe and feasible. These programs often include transitional jobs, reduced tasks, or alternate positions appropriate for the employee’s physical capabilities throughout recuperation. RTW programs represent a proactive approach to employee
- [Understanding Flood Insurance Is More Crucial Than Ever](https://mcgriff.com/resources/articles/understanding-flood-insurance-is-more-crucial-than-ever/) - The devastating Hurricane Helene caused numerous fatalities and widespread catastrophic damage across the Southeast, including in many areas not typically prone to flooding. The increasing frequency of extreme weather events like Helene serves as a stark reminder of the importance of flood insurance, no matter where you live. Flood insurance is typically excluded on a standard
- [Leveraging Telematics to Reduce Insurance Premiums for Large Trucking Firms](https://mcgriff.com/resources/articles/leveraging-telematics-to-reduce-insurance-premiums-for-large-trucking-firms/) - In today’s evolving transportation industry, telematics has become the single most powerful tool for managing risk and reducing insurance costs. Trucking companies that invest in telematics solutions not only gain operational efficiencies but also create a data-driven approach to safety and risk management, which can directly impact their insurance premiums. Telematics: The Largest Predictor of
- [Construction Project Insurance Protection: A Guide to OCIPs and CCIPs](https://mcgriff.com/resources/articles/construction-project-insurance-protection-a-guide-to-ocips-and-ccips/) - Insurance plays a vital role in managing the inherent risks associated with large-scale construction projects. One of the ways to manage the risk for a project is by the use of a Wrap-Up which is also known as a Controlled Insurance Program or CIP. A CIP is comprehensive insurance program that is designed to
- [California Wildfires and Liability Risks for Utility Contractors](https://mcgriff.com/resources/articles/california-wildfires-and-liability-risks-for-utility-contractors/) - The recent devastation from the fires in Los Angeles, California, has spotlighted several issues – from risk mitigation and the adoption of stricter building codes to help minimize property loss to causation, negligence, and insurance. Among the issues being examined is the role of utility companies and wildfires. Lightning, arson, and utility lines are the
- [How to Increase the Efficiency of Your Refrigerator](https://mcgriff.com/resources/articles/how-to-increase-the-efficiency-of-your-refrigerator/) - Did you know that your refrigerator is responsible for about 10% of your total electric bill?1 With one appliance zapping so much energy, here are a few steps you can take to keep that electric bill in check—and help your refrigerator last longer. Clean the coils. Experts recommend cleaning refrigerator coils underneath the fridge at
- [7 Fire Pit Safety Tips](https://mcgriff.com/resources/articles/7-fire-pit-safety-tips/) - Whether you already have a fire pit, are planning to build one yourself or just purchased a portable one, it’s important to review these tips so that you and your family can safely enjoy time around the fire. Select the right spot for your fire pit. Build your fire pit on level ground and out
- [What to Look for in a TPA for Your Flexible Benefits and COBRA Administration](https://mcgriff.com/resources/articles/what-to-look-for-in-a-tpa-for-your-flexible-benefits-and-cobra-administration/) - It may seem as if all third-party administrators (TPAs) are essentially the same, but, surprise, they aren’t! A flashy website can make a subpar TPA look and sound great, but what truly matters is how well the TPA does what it is entrusted to do. This article highlights important considerations beyond first appearances when selecting
- [A Cautionary Tale: Version Control and Benefit Guides](https://mcgriff.com/resources/articles/version-control-and-benefit-guides/) - While companies are increasingly adopting microsites, apps, HRIS systems, and other technologies to communicate their plans to employees, the benefits guide remains a common practice for organizations to showcase their insurance options and rewards or to use as a recruitment tool. But there’s a common dilemma when it comes to benefits guides—one I often
- [How Artificial Intelligence is Improving Ben Admin Technology Platforms](https://mcgriff.com/resources/articles/how-artificial-intelligence-is-improving-ben-admin-technology-platforms/) - Benefits administration (ben admin) technology platforms are often miscategorized as merely “enrollment systems.” As a result, the innovation focus has primarily been on the employee annual enrollment experience. But now, thanks to artificial intelligence (AI), ben admin technology providers are bringing year-round value and efficiency to both HR administrators and their employees. System Configuration and
- [New Simplified Rules for Medicare Part D Creditable Coverage—What HR Professionals Need to Know in 2025](https://mcgriff.com/resources/articles/new-simplified-rules-for-medicare-part-d-creditable-coverage-what-hr-professionals-need-to-know-in-2025/) - A New Era of Simplicity for Creditable Coverage Notices In the first and second quarters of 2025, the Centers for Medicare & Medicaid Services (CMS) finalized changes to how employer-sponsored group health plans determine if their prescription drug coverage is “creditable” for Medicare Part D purposes. For HR professionals, this marks a shift to simplified
- [How AI Is Helping Protect Environmental Risk](https://mcgriff.com/resources/articles/how-ai-is-helping-protect-environmental-risk/) - Environmental risks are uniquely complex. From remediation to brownfield development, underground storage tanks, and indoor air quality claims, no two projects—or policies—are the same. Whether you’re a contractor working with hazardous materials, a developer investing in contaminated land, or a company acquiring a business with legacy exposure, an insurance program must respond to specific, high-consequence
- [Nuclear Verdicts Have Changed the Legal Landscape – What Fleets Must Do Differently](https://mcgriff.com/resources/articles/nuclear-verdicts-have-changed-the-legal-landscape-what-fleets-must-do-differently/) - For years, nuclear verdicts — jury awards exceeding $10 million — have loomed large over the transportation industry. Once considered outliers, these catastrophic losses are now an entrenched part of the legal landscape. What began as merely emotionally charged jury decisions has morphed into a sophisticated legal strategy, engineered by plaintiff attorneys who treat litigation
- [Consider a Single Parent Captive in a Soft Insurance Market](https://mcgriff.com/resources/articles/consider-a-single-parent-captive-in-a-soft-insurance-market/) - The insurance market began to show signs of softening in 2024 and has continued to do so into 2025. We are experiencing decelerating rate increases for Property insurance, and Workers’ Compensation has continued to remain favorable for buyers. While Umbrella and Auto Liability remain challenging in some segments, the broader trend is one of selective
- [The Vital Role of Occupational Health Nurses in the Workplace](https://mcgriff.com/resources/articles/the-vital-role-of-occupational-health-nurses-in-the-workplace/) - When we think of nurses, we often envision compassionate caregivers in hospitals. However, this image overlooks a crucial segment of nursing professionals known as Occupational Health Nurses (OHNs). These registered nurses help prevent and manage work-related injuries and illnesses and play a vital role in promoting employee health and safety across the workplace. According
- [Understanding Indemnification Language When Using Standard Industry Forms](https://mcgriff.com/resources/articles/understanding-indemnification-language-when-using-standard-industry-forms/) - For contractors entering into agreements, it is crucial to understand the contractual language that applies to the Indemnification language, in particular, can often be ambiguous. And that can leave contractors vulnerable to losses resulting from a subcontractor’s work that damages a project. Many contractors use standard AIA contracts, but we must be aware that these
- [Cyber Insurance and Cybersecurity Policies and Procedures](https://mcgriff.com/resources/articles/cyber-insurance-and-cybersecurity-policies-and-procedures/) - A McGriff client recently asked us for a draft or recommendations of a Secrets Management Policy and a Vulnerability & Patch Management Policy. A Secrets Management Policy and a Vulnerability & Patch Management Policy are crucial for protecting an organization’s data and systems from various cyber threats. Understanding the importance of this request, we share
- [Insider Cyber Threats: From Human Errors to Intentional Acts and Imposters](https://mcgriff.com/resources/articles/insider-cyber-threats-from-human-errors-to-intentional-acts-and-imposters/) - When it comes to cyber risks, employees are the weakest link. From accidental, unintentional incidents to intentional acts from disgruntled employees to foreign state actors posing as legitimate employees to gain access to a company’s systems for nefarious purposes, insider cyber threats are a growing concern for organizations of all sizes. Unintentional Acts Human
- [Cyber Insurance Market Update - Q1 2025](https://mcgriff.com/resources/articles/cyber-insurance-market-update-q1-2025/) - The cyber market continues to be stable so far in 2025. That means customers in almost every industry class and across all revenue bands can purchase affordable cyber insurance coverage with sufficient policy limits to address many of the foreseeable incidents their companies may encounter. Part of this market stability and favorable pricing is due
- [Are Chronic Conditions Driving Up Your Workers’ Comp Spend?](https://mcgriff.com/resources/articles/are-chronic-conditions-driving-up-your-workers-comp-spend/) - There is a direct correlation between employee well-being and workplace safety. Healthier employees tend to be safer, leading to fewer on-the-job accidents. However, the presence of chronic and often co-morbid conditions, such as diabetes, obesity, arthritis, asthma, hypertension, depression, and anxiety, can impact employees’ ability to perform their jobs safely and add significant complexity to
- [Compliance Q&A: 2026 ACA Affordability Safe Harbors](https://mcgriff.com/resources/articles/compliance-qa-2026-aca-affordability-safe-harbors/) - Question I am an Applicable Large Employer (ALE) sponsoring a calendar year health insurance plan. I don’t know how much I should contribute to the cost of my employees’ health care. I want to avoid "pay-or-play" penalties, but I can’t afford to contribute more than the minimum required amount. What IRS affordability “safe harbor” works
- [August 2025 Employee Benefits Newsletter](https://mcgriff.com/resources/newsletters/august-2025-employee-benefits-newsletter/) - It Benefits You August 2025 This month's employee benefits newsletter content includes: Upcoming Compliance Deadlines: Summary Annual Report (Calendar Year Plans) & Medicare Part D Notices One Big Beautiful Bill Act: Recent Legislation Impacts Employee Benefits HSA Utilization Strategies: How to Make HSAs the 401(k)s for Retirement Health Expenses *August 28 Webinar Opportunity HSA/HDHP Limits

## Pages

- [McGriff Home Page](https://mcgriff.com/) - Join Our WebinarSeptember 17 Learn practical steps to challenge denials, evaluate settlements, and protect your claim. Learn More & Register View Our Webinar Schedule Driver Fatigue Risks How fatigue, pain, and poor ergonomics increase crashes, costs, and turnover Read the Article View Our Webinar Schedule Understanding Workers' Comp Part B Explore how Part B helps
- [Careplus Mobile Health](https://mcgriff.com/careplus-mobile-health/) - Welcome to Careplus Mobile Health The app that makes managing your health simple. CarePlus Mobile Health, powered by Mobile Health Consumer, has everything you need to maximize your health and well-being in the palm of your hand – with quick and easy access to plan information, rewards and incentives, health resources, and more. Visit the registration
- [Government Contracting](https://mcgriff.com/industries/government-contracting/) - Government Contracting Strategic Insurance Solutions for Government Contractors Our dedicated team provides creative and cost-effective solutions for your most complex contracting risks. We understand bidding on work across many different NAICS codes can have a unique impact to your ever changing risk profile. We provide a risk-focused approach that breaks down traditional industry-driven silos with
- [Aviation](https://mcgriff.com/industries/aviation-aerospace/) - McGriff has more than 30 years of experience in the aviation industry to help you develop, implement, and maintain your risk management program.
- [About](https://mcgriff.com/about/about-us/) - McGriff is currently part of Truist Insurance Holdings, Inc., one of the top 10 largest insurance brokers in the world. Learn more about McGriff!
- [Sign In](https://mcgriff.com/sign-in/) - Business Insurance Log in to your business insurance or employee benefits account here. Business clients can access professional resources. Resource types: CSR-24 McGriff Resource Net McGriff Learning Management System Employee Benefits Employers can manage employee benefits plans. Account types: Defined Contribution Plans Defined Benefit Plans Flexible Benefit Plans COBRA Administration Employees can access benefits, health
- [Contact Us](https://mcgriff.com/contact-us/) - Get in Touch Whether you need more information, have a question, or want to get a quote, we’re here to help. Contact Us Choose your state to find an insurance professional near you. Choose State We’ll Contact You Choose your area of interest. Then, either give us a call or send us a message and
- [Senior Living](https://mcgriff.com/industries/senior-living/) - Serving all energy sectors for 40+ years has made McGriff a top US broker & top 5 globally for the energy industry. Learn more!
- [Specialty Practices](https://mcgriff.com/industries/specialty-practices/) - Specialty Practices We deliver customized solutions to match the unique risks of your industry. Every Industry Has Its Own Challenges and Opportunities That’s why you need a specialty team of insurance professionals that fully knows your day-to-day world. Never settle for less than industry-specific expertise, deep intellectual capital, and truly customized solutions designed with your
- [Transportation](https://mcgriff.com/industries/transportation/) - McGriff is one of the largest transportation insurance brokers in the US serving transportation companies from one to over 25,000 power units. Learn more!
- [More Industries](https://mcgriff.com/industries/more-industries/) - More Industries Deep insurance and risk management experience across a wide range of industries. Industry Expertise Condo Associations McGriff has the expertise to manage your association’s insurance needs. As your insurance partner, we’ll keep you up to date on industry trends and make sure you’re aware of changes in coverage and how those changes affect
- [Commercial Real Estate & Hospitality](https://mcgriff.com/industries/real-estate-and-hospitality/) - Trust our team of highly qualified professionals to be your advisors for all your commercial real estate, hospitality & gaming insurance needs. Learn more!
- [Public Entity/Education](https://mcgriff.com/industries/public-entity-education/) - Serving all energy sectors for 40+ years has made McGriff a top US broker & top 5 globally for the energy industry. Learn more!
- [Private Equity Risk Advisor](https://mcgriff.com/industries/private-equity/) - McGriff’s Private Equity Risk Advisors practice has services to mitigate transactional risk and maximize portfolio value. Learn more!
- [Marine](https://mcgriff.com/industries/marine/) - Serving all energy sectors for 40+ years has made McGriff a top US broker & top 5 globally for the energy industry. Learn more!
- [Executive Risk Advisors](https://mcgriff.com/industries/executive-risk-advisors/) - McGriff offers expert guidance and comprehensive solutions, ensuring you get the executive risk insurance solutions you need. Learn more!
- [Construction](https://mcgriff.com/industries/construction/) - McGriff can help monitor and advise you of industry developments in support of your construction risk management programs. Learn more!
- [Energy](https://mcgriff.com/industries/energy/) - Serving all energy sectors for 40+ years has made McGriff a top US broker & top 5 globally for the energy industry. Learn more!
- [Auto Dealerships](https://mcgriff.com/industries/auto-dealerships/) - Auto Dealerships Risk Management Solutions to Keep Your Dealership Moving Your business is unique and your vision and objectives are different from your competitors. Our team will take time to understand your needs and work with you to design a customized risk management program that might one day mean the difference between a minor loss
- [Seahorse Underwriters](https://mcgriff.com/what-we-do/personal-insurance/seahorse-underwriters/) - Seahorse Underwriters Comprehensive Boat Insurance Seahorse Underwriters offers our customers and agents agreed value policies underwritten by A-rated carriers. We have the ability to quote and bind within minutes and pride ourselves on our prompt, professional, and courteous service. We provide coverage on a wide range of hull values from $5,000 to $30,000,000. Whether you’re
- [America's Boating Club: Boat Insurance Program](https://mcgriff.com/what-we-do/personal-insurance/abc-boat-insurance/) - America's Boating Club: Boat Insurance Program One of the many benefits of membership in America's Boating Club (ABC) is the official ABC Boat Insurance Program, available exclusively to dues-paying members. Since 1988, we’ve been providing ABC members some of the best service, reliability, and coverage in the industry. Types of Surety Bonds The Boat Insurance
- [Business Insurance Services](https://mcgriff.com/what-we-do/business-insurance/) - With McGriff's extensive business insurance experience, your organization will receive tailored solutions to fit your business size and insurance need.
- [Client Education and Resources](https://mcgriff.com/what-we-do/risk-management/client-education-resources/) - McGriff recognizes the training challenges you face, and we’re here to help with risk management resources and training courses. Learn more!
- [McGriff Journey® App](https://mcgriff.com/what-we-do/employee-benefits/mcgriff-journey/) - McGriff Journey® App Curate a Comprehensive Employee Experience McGriff Journey allows employers to positively impact engagement, retention and productivity. Leveraging mobile technology and gamification, Journey can deliver 24/7/365 communications around benefits, employee recognition, wellness and more. It essentially functions as the one-stop-shop for company resources. The beauty of Journey is that each employee can refine
- [Business Insurance](https://mcgriff.com/claims/business-insurance/) - Need help reporting an insurance claim for your business? McGriff can help you file a commercial insurance claim from start to finish.
- [FSA, HSA, HRA, TSA Resources](https://mcgriff.com/sign-in/fsa-hsa-hra-tsa-resources/) - Manage Your Flexible Benefits (FSA, HSA, HRA, TSA Resources) Browse Resources Benefit Access Mobile App Get fast, easy and secure access to your FSA, HSA, HRA, and TSA accounts. Download App Insurance products and services offered through McGriff Insurance Services, LLC, a subsidiary of Truist Insurance Holdings, LLC, are not a deposit, not FDIC insured,
- [Commercial Insurance](https://mcgriff.com/commercial/) - Commercial Insurance Claims Innovative solutions to help mitigate risk so you can focus on managing your business. Report a Business Insurance Claim Rely on us to help with filing your business insurance claim. Please share the information below with us, and we’ll be in touch within two business days. If you have questions or need
- [Leaving Site](https://mcgriff.com/leaving-site/)
- [Speed Bump](https://mcgriff.com/speed-bump/)
- [Nurse Health Coaching by Peak Health](https://mcgriff.com/what-we-do/employee-benefits/nurse-coaching/) - Nurse coaching by Peak Health is a clinically driven coaching program to help improve member health and employers get better control over their medical costs.
- [Workers' Compensation](https://mcgriff.com/what-we-do/business-insurance/workers-compensation/) - Workers’ compensation insurance should be customized to fit your business needs. See McGriff's personalized solutions.
- [Insurance Insights](https://mcgriff.com/insights/all-insights/) - Insights Categories Articles Releases Newsletters Success Stories Videos Webinars White Papers Search Our Insights Find exactly what you're looking for from our expert thought leaders. Filter Search Filter Options Business Insurance Employee Benefits Personal Insurance Compliance QA Client Advisory Clear All Apply
- [Insights](https://mcgriff.com/insights/)
- [Captive Insurance Solutions](https://mcgriff.com/what-we-do/business-insurance/captives/) - McGriff has a dedicated team that advises clients who may be interested in captive insurance or Alternative Risk Transfer (ART) options. Learn more!
- [Insights & Analytics](https://mcgriff.com/what-we-do/employee-benefits/insights-analytics/) - Insights & Analytics Data to Make Smarter Benefits Decisions Our Insights and Analytics team is made up of trusted specialists who interpret medical claims trends and provide strategic, data-backed recommendations. We'll help you make smarter decisions about your organization’s benefits and helps remove the guesswork from cost control and risk mitigation strategies. Benefit Benchmarking Comparisons
- [Bonding & Surety](https://mcgriff.com/what-we-do/business-insurance/bonding-surety/) - With McGriff, one of the largest surety practices in the U.S., you’re sure to find the surety bond insurance solution you need. Learn more!
- [Outdoor Insurance](https://mcgriff.com/what-we-do/business-insurance/outdoor-underwriters/) - McGriff offers expert guidance and comprehensive solutions, ensuring you get the executive risk insurance solutions you need. Learn more!
- [Risk Management Solutions](https://mcgriff.com/what-we-do/risk-management/) - McGriff is part of a high-performing financial services company allowing us to provide you with the highest level of innovative risk management solutions.
- [Careers](https://mcgriff.com/about/careers/) - At McGriff, our teammates are our most valuable asset, making positive impacts on our clients, firm, and communities. Explore a rewarding insurance career!
- [Boat & Yacht](https://mcgriff.com/what-we-do/personal-insurance/boat-yacht/) - Protect your future with McGriff Private Client solutions. Find a Private Client Advisor who can help. Learn more!
- [Cyber Liability Insurance](https://mcgriff.com/what-we-do/business-insurance/cyber-liability/) - McGriff, a trusted insurance broker, offers expert guidance and comprehensive cyber liability insurance solutions. Learn more!
- [Flexible Benefits](https://mcgriff.com/what-we-do/employee-benefits/flexible-benefits-administration/) - Delivering consumer-friendly Flexible Benefits backed by the highest levels of service is our top priority. Learn more!
- [Health Management Services](https://mcgriff.com/what-we-do/employee-benefits/health-management-services/) - Our team of clinicians and wellness consultants proactively translate complex data into actionable insights and well-being strategies. Learn more!
- [Transactional Risk](https://mcgriff.com/what-we-do/business-insurance/transactional-risk/) - McGriff has a dedicated group of insurance professionals focused on transactional risk management. Learn more!
- [Small Business Insurance](https://mcgriff.com/what-we-do/business-insurance/small-business/) - McGriff has a dedicated team of small business insurance specialists who can provide you the solutions your business needs. Learn more!
- [Claim Consulting Solutions](https://mcgriff.com/what-we-do/risk-management/claim-consulting/) - McGriff's proactive and comprehensive claim management solutions focus on mitigating claim costs and reducing your total cost of risk. Learn more!
- [Analytic Solutions](https://mcgriff.com/what-we-do/risk-management/analytic-solutions/) - McGriff’s team provides solutions by combining technology with data and analytics to help you make informed business decisions. Learn more!
- [White Papers](https://mcgriff.com/insights/white-papers/) - White Papers Sort By Latest Oldest Title
- [Videos](https://mcgriff.com/insights/videos/) - Videos Sort By Latest Oldest Title
- [Webinars](https://mcgriff.com/insights/webinars/) - Webinars Sort By Latest Oldest Title
- [Success Stories](https://mcgriff.com/insights/success-stories/) - Success Stories Sort By Latest Oldest Title
- [Releases](https://mcgriff.com/insights/releases/) - Releases Sort By Latest Oldest Title
- [Newsletters](https://mcgriff.com/insights/newsletters/) - Newsletters Sort By Latest Oldest Title
- [Articles](https://mcgriff.com/insights/articles/) - Recent Articles Sort By Latest Oldest Title
- [Actuarial & Underwriting](https://mcgriff.com/what-we-do/employee-benefits/actuarial-underwriting/) - McGriff has the actuarial and underwriting expertise you need to manage costs, mitigate risks, and streamline administration. Learn more!
- [Retirement Consulting](https://mcgriff.com/what-we-do/employee-benefits/retirement-consulting/) - At McGriff, we provide retirement plan consulting services that reduce administrative burden, mitigate risks, and provide a quality participant experience.
- [Pharmacy Benefit Consulting](https://mcgriff.com/what-we-do/employee-benefits/pharmacy-benefit-consulting/) - Need help selecting the best pharmacy benefit consultant for your organization and your employees? McGriff is here to be your guide.
- [Human Resources Advisory](https://mcgriff.com/what-we-do/employee-benefits/human-resources-advisory/) - Our HR Advisory Services offers assistance across a variety of knowledge-base platforms available exclusively to our benefits clients. Learn more!
- [Employee Benefits Compliance](https://mcgriff.com/what-we-do/employee-benefits/compliance/) - McGriff’s compliance team proactively monitors changes in regulations that may impact your employee benefits. Learn more!
- [Employee Benefits Communication](https://mcgriff.com/what-we-do/employee-benefits/communications/) - Benefits are complex, but communicating them doesn’t have to be. McGriff simplifies employee benefits communication using consumer marketing strategies.
- [COBRA Administration & Direct Bill](https://mcgriff.com/what-we-do/employee-benefits/cobra-administration-direct-bill/) - McGriff can remove the administrative and compliance burden that comes with COBRA benefits. Learn more!
- [Clinical Wellness](https://mcgriff.com/what-we-do/employee-benefits/clinical-wellness/) - Clinical Wellness Supporting the Many Aspects of Employee Well-Being Health and well-being needs are complex, always changing, and vary person to person. When employees are supported in their well-being, they’re better able to fulfill their purpose, reduce preventable medical costs, and enjoy a better quality of life. Beyond Claims Data Traditional programs rely significantly on
- [Benefits Administration Technology](https://mcgriff.com/what-we-do/employee-benefits/benefits-administration-technology/) - Unlike other firms, McGriff dedicates an entire practice to Benefits Administration Technology. Learn more about our employee benefits solutions.
- [Executive Risk Insurance](https://mcgriff.com/what-we-do/business-insurance/executive-risk-advisors/) - McGriff offers expert guidance and comprehensive solutions, ensuring you get the executive risk insurance solutions you need. Learn more!
- [Business Flood Insurance](https://mcgriff.com/what-we-do/business-insurance/flood/) - Business flood insurance helps protect your business from the very real threat of flood damage. Learn about McGriff's solutions.
- [Environmental Insurance](https://mcgriff.com/what-we-do/business-insurance/environmental/) - Commercial property insurance helps safeguard your property against the risk of loss, theft, or damage. Learn about McGriff's solutions.
- [Terms of Use](https://mcgriff.com/terms-of-use/) - Terms of Use Effective Date: August 18, 2021 PLEASE READ THESE TERMS AND CONDITIONS OF USE (“TERMS”) CAREFULLY BEFORE USING THIS SITE. Welcome to McGriff.com. We refer to this website and its entire contents, features, design, and functionality as the “Site.” This Site is operated by Marsh McLennan Agency (“Marsh & McLennan Agency LLC”). This
- [Compensation-statement](https://mcgriff.com/compensation-statement/) - Compensation Guide MMA prides itself on being an industry leader including in the area of transparency and compensation disclosure. We believe you should understand how we are paid and also understand the services we are providing for the compensation we receive. We are committed to compensation transparency and to disclosing to you information that will
- [Personal Insurance Claims](https://mcgriff.com/claims/personal-insurance/) - Need help reporting a personal claim? McGriff can help you file a personal insurance claim from start to finish.
- [Business Liability Insurance](https://mcgriff.com/what-we-do/business-insurance/business-liability/) - Business property insurance helps safeguard your property against the risk of loss, theft, or damage. Learn about McGriff's solutions.
- [Personal Flood Insurance](https://mcgriff.com/what-we-do/personal-insurance/flood/) - Protect your future with McGriff Private Client solutions. Find a Private Client Advisor who can help. Learn more!
- [Risk Control Consulting](https://mcgriff.com/what-we-do/risk-management/risk-control-consulting/) - Every day, McGriff delivers innovative and sustainable risk control solutions that are designed to reduce your total cost of risk. Learn more!
- [Business Auto Insurance](https://mcgriff.com/what-we-do/business-insurance/business-auto/) - McGriff has a dedicated team of professionals to help clients with business auto insurance. Learn more!
- [Recreational and Specialty Vehicles](https://mcgriff.com/what-we-do/personal-insurance/recreational-specialty-vehicles/) - Protect your future with McGriff Private Client solutions. Find a Private Client Advisor who can help. Learn more!
- [Private Client](https://mcgriff.com/what-we-do/personal-insurance/private-client/) - Private Client Insurance Services Advocating for You to Help Protect What Matters Most When it comes to insurance planning, McGriff Family Client Advisors know that successful individuals and their families face special challenges. Traditional approaches to homeowners insurance, auto coverage, and protection for other assets typically aren’t adequate. We provide an exceptional level of professionalism,
- [Business Property Insurance](https://mcgriff.com/what-we-do/business-insurance/business-property/) - Business property insurance helps safeguard your property against the risk of loss, theft, or damage. Learn about McGriff's solutions.
- [Business Flood](https://mcgriff.com/what-we-do/business-insurance/business-flood/) - Business Flood A Small Amount of Water Can Lead to Big Damage Floods are the costliest natural disaster in the U.S., causing billions in damage annually to hundreds of thousands of businesses and homes. The average business flood claim is $90,0001—it only takes a few inches of water to cause major damage. Who Needs Business
- [Claims](https://mcgriff.com/claims/)
- [About](https://mcgriff.com/about/)
- [Commercial Insurance Claims](https://mcgriff.com/claims-business-insurance/) - Commercial Insurance Claims Innovative solutions to help mitigate risk so you can focus on managing your business. Report a Business Insurance Claim Rely on us to help with filing your business insurance claim. Please share the information below with us, and we’ll be in touch within two business days. If you have questions or need
- [Test page 2](https://mcgriff.com/test-page-2/) - Risk Management Innovative solutions to help mitigate risk so you can focus on managing your business.
- [Sample Page](https://mcgriff.com/sample-page/) - The McGriff Way For more than a century, McGriff has been known as the get-it-done broker driven by a passion to serve. We provide highly customized insurance, risk management, and employee benefit solutions by focusing on our clients’ priorities and what they value most. Get to Know Us This is an example page. It's different
- [Elementor #9](https://mcgriff.com/elementor-9/)

## Team Members

- [Braxton Watson](https://mcgriff.com/resources/team-member/braxton-watson/) - Braxton Watson is the Houston office leader for McGriff Specialty. He oversees operational strategy and execution across the Houston, Louisiana, and Arkansas markets, works to scale the office’s capabilities, and empowers teams to create tailored solutions that increase client value. Watson has worked in the insurance industry for more than 15 years in various roles,
- [John Marshall](https://mcgriff.com/resources/team-member/john-marshall/) - John Marshall is the Dallas office leader for McGriff Specialty. He oversees operational strategy and execution across the Dallas market, works to scale the office’s capabilities, and empowers teams to create tailored solutions that increase client value. Marshall has worked in the insurance industry for more than 20 years in various roles, including producer, property
- [Eric Getty](https://mcgriff.com/resources/team-member/eric-getty/) - Eric Getty is the Birmingham office leader for McGriff Specialty. He oversees operational strategy and execution across the Birmingham market, works to scale the office’s capabilities, and empowers teams to create tailored solutions that increase client value. Getty has more than 20 years of experience supporting the insurance industry, including eight years in direct industry
- [Matt Little](https://mcgriff.com/resources/team-member/matt-little/) - Matt Little is the Atlanta office leader for McGriff Specialty. He oversees operational strategy and execution across the Atlanta market, works to scale the office’s capabilities, and empowers teams to create tailored solutions that increase client value. Little has worked in the insurance industry for more than 25 years and served in several roles, including
- [Mike Welz](https://mcgriff.com/resources/team-member/mike-welz/) - Mike Welz is the Senior Living Practice leader for McGriff Specialty. He sets the strategy for the practice and oversees risk management and financing programs for senior care clients. He also co-leads Marsh McLennan Agency’s National Healthcare Practice. Welz has worked in the insurance industry for more than 11 years and has held various roles,
- [Ernie Leist](https://mcgriff.com/resources/team-member/ernie-leist/) - Ernie Leist is the Marine Practice leader for McGriff Specialty. He is responsible for leading a team of dedicated marine insurance specialists serving large clients in complex international shipping, transportation, offshore energy, and global logistics. Leist has worked in the insurance industry for more than 14 years, and global energy and marine operations for more
- [Erik Zentler](https://mcgriff.com/resources/team-member/erik-zentler/) - Erik Zentler is the Aviation Practice leader for McGriff Specialty. He is responsible for expanding McGriff’s presence and maintaining client relationships in the aviation and aerospace industries. Zentler has worked in the insurance industry for more than 20 years, with experience in marketing, negotiations, program structure, policy and contract review, benchmarking, and market cycle analysis
- [Paul Cicerchia](https://mcgriff.com/resources/team-member/paul-cicerchia/) - Paul Cicerchia is the Real Estate and Hospitality Practice leader for McGriff Specialty. He is responsible for expanding McGriff’s presence and maintaining client relationships in the real estate and hospitality industries. Cicerchia has worked in the insurance industry for over 20 years in various roles, including practice leader for real estate and hospitality at another
- [Milton Smith](https://mcgriff.com/resources/team-member/milton-smith/) - Milton Smith is the Surety Practice Leader for McGriff Specialty. His primary responsibility is to lead McGriff’s surety operations and drive the overall growth of our surety practice. Smith has worked in the insurance industry for over 30 years in various roles, including senior underwriter and senior vice president. He earned his bachelor’s degree in
- [Johnny Fontenot](https://mcgriff.com/resources/team-member/johnny-fontenot/) - Johnny Fontenot is the Public Entity Practice leader for McGriff Specialty. He is responsible for leading a team of specialists serving tax-supported institutions; city, state, county, parish, and town governments; K-12 schools; colleges and universities; special districts; and nonprofit agencies. Fontenot has worked in the insurance industry for more than 35 years, with a primary
- [Scott Richards](https://mcgriff.com/resources/team-member/scott-richards/) - Scott Richards is the Transportation Practice Leader for McGriff Specialty. He is responsible for expanding McGriff’s presence and maintaining client relationships in the transportation and logistics industries. Scott has more than 35 years of experience in the insurance industry in various roles, including casualty underwriter, broker, and managing director.
- [David Sellars](https://mcgriff.com/resources/team-member/david-sellars/) - David Sellars is co-director of the Executive Risk Advisors division for McGriff Specialty. He helps shape strategy for the division and oversees placement and service for many of McGriff’s largest and most complex clients. Sellars has worked in the insurance industry for over 30 years in various roles, including senior vice president, producer, senior financial
- [Dusty Cahill](https://mcgriff.com/resources/team-member/dusty-cahill/) - Dusty Cahill is co-director of the Executive Risk Advisors division for McGriff Specialty. He helps shape strategy for the division and oversees placement and service for many of McGriff’s largest and most complex clients. His expertise includes directors and officers liability, employment practices liability, fiduciary liability, errors and omissions insurance, crime insurance, and kidnap and
- [Rob Logan](https://mcgriff.com/resources/team-member/rob-logan/) - Rob Logan is the Power and Utilities Practice leader for McGriff Specialty. He is responsible for expanding McGriff’s presence and maintaining client relationships in the conventional power and renewable energy sectors. He is also responsible for recruiting and supporting colleagues equipped to serve in this rapidly developing industry. Logan has worked in the insurance industry
- [Patrick Maguire](https://mcgriff.com/resources/team-member/patrick-maguire/) - Patrick Maguire is the Energy Practice leader for McGriff Specialty. He is responsible for the strategic direction of the practice and expanding McGriff’s services to clients in the energy sector. Maguire has worked in the insurance industry for over 19 years in various roles, including broker, producer, and national director of specialty practices. He earned
- [Camille Martinez](https://mcgriff.com/resources/team-member/camille-martinez/) - Camille Martinez serves as the director of human resources for McGriff Specialty. She is responsible for leading McGriff’s HR team, HR strategy, organizational design and development, performance enablement, and employee relations. With over 18 years in the insurance industry and over 25 years in human resources, Martinez has previously served as human resources manager, teammate
- [Jeremy McCaslin](https://mcgriff.com/resources/team-member/jeremy-mccaslin/) - Jeremy McCaslin is chief information officer for McGriff Specialty. He leads business technology initiatives related to operations, process development, account management, and production – in coordination with our accounting and other business functions. McCaslin has worked in the insurance industry for over 22 years and held various roles, including producer, aviation practice leader, and regional
- [Jon Boone](https://mcgriff.com/resources/team-member/jon-boone/) - Jon Boone is chief financial officer for McGriff Specialty. His primary responsibilities are to oversee the accounting and finance divisions. Boone has worked in the insurance industry since 2014 and held various roles, including director of financial planning and analysis, and strategic finance director. He earned his bachelor’s degree from Virginia Tech and master’s degree
- [Scott Howard](https://mcgriff.com/resources/team-member/scott-howard/) - Scott Howard is the chief operating officer for McGriff Specialty. His primary responsibility is to lead operational strategy and business execution across our industry practices. Howard has worked in the insurance industry for 25 years in various roles. He earned his bachelor’s degree from Illinois State University and his master’s degree from Loyola University Chicago.
- [Mike Breedlove](https://mcgriff.com/resources/team-member/mike-breedlove/) - Mike Breedlove is the national sales and growth leader for McGriff Specialty. His primary responsibilities include executing sales strategies, supporting producer development, and leading sales enablement efforts to drive new business growth, retention, and cross-sell results. Breedlove has worked in the insurance industry since 1988 and held various roles, including producer, regional president, and national
- [Robert Drew](https://mcgriff.com/resources/team-member/robert-drew/) - Robert Drew is president of McGriff Specialty. He is responsible for top-line growth through specialty and vertical development, front-line sales leadership and recruiting, and national sales initiatives, while overseeing client relationship development, client experience, and client retention and acquisition. He also leads the McGriff Specialty Construction practice. Drew has worked in the insurance industry for
- [Robert Drew](https://mcgriff.com/resources/team-member/robert-drew-2/) - Robert Drew is president of McGriff Specialty. He is responsible for top-line growth through specialty and vertical development, front-line sales leadership and recruiting, and national sales initiatives, while overseeing client relationship development, client experience, and client retention and acquisition. He also leads the McGriff Specialty Construction practice. Drew has worked in the insurance industry for
- [Doug Hodo](https://mcgriff.com/resources/team-member/doug-hodo/) - Doug Hodo is the chief executive officer at McGriff Specialty. As CEO, his primary responsibilities include defining the organization’s strategic direction, advancing business development initiatives, and overseeing growth through marketing, automation, and mergers and acquisitions. Hodo has worked in the insurance industry for over 35 years and held various roles, including producer, director, and chief
- [Jordan Rosenfeld](https://mcgriff.com/resources/team-member/jordan-rosenfeld/) - Jordan Rosenfeld is McGriff’s lead attorney and the Chief Compliance Officer for MMA. His primary responsibilities include negotiating commercial agreements, advising on employment and other legal matters, and navigating regulatory issues. Rosenfeld has served as a legal and compliance advisor on insurance and professional services matters for over 20 years. He earned his bachelor’s degree
- [Rodney Ledford](https://mcgriff.com/resources/team-member/rodney-ledford/) - Rodney Ledford serves as the national director of personal lines & small business at McGriff, where he manages main street and premier segment personal lines, the McGriff Sales Center, McGriff’s small business segment, and small business carrier relationships. With 19 years of experience in the insurance industry, Rodney has held previous small business-focused roles, including
- [Crystal Sanderson](https://mcgriff.com/resources/team-member/crystal-sanderson/) - Crystal Sanderson is National Director, Strategic Partnerships & Placement at McGriff. Her primary responsibilities include carrier relations and coordinating our national placement strategies. Sanderson has worked in the insurance industry for over 24 years and held various roles, including agency executive and National Director, Small Business and Personal Lines. She attended the University of North
- [Rachael Yelverton](https://mcgriff.com/resources/team-member/rachael-yelverton/) - Rachael Yelverton is Director of Strategic Projects at McGriff. Her primary responsibilities are leading our digital strategy, shaping line-of-business market strategy and development, and execution of market strategies across the Small Business and Personal Lines divisions. Yelverton has worked in the insurance industry for over 20 years and held various roles, including corporate insurance specialist,
- [Jed Skeete](https://mcgriff.com/resources/team-member/jed-skeete/) - Jed Skeete serves as a senior executive vice president at McGriff, where he manages growth strategies for McGriff’s Employee Benefits division. His responsibilities also include fostering collaboration with regional and geographic leaders to drive business expansion. With 39 years in the insurance industry, Jed has dedicated 28 years to McGriff in various roles, including his
- [John Haase](https://mcgriff.com/resources/team-member/john-haase/) - John Haase is president of the East Region at McGriff. His primary responsibilities include frontline production, recruiting, team development financial modeling and forecasting for the East Region, which includes Indiana, Kentucky, Maryland, North Carolina, Pennsylvania, South Carolina, Virginia, West Virginia, and Wisconsin. John has worked in the insurance industry for 40 years and has held
- [Carolyn Littlefield](https://mcgriff.com/resources/team-member/carolyn-littlefield/) - Carolyn Littlefield is Chief Operating Officer at McGriff. She is responsible for managing McGriff’s day-to-day operations, such as implementing strategies, setting and monitoring performance goals, managing budgets, ensuring that McGriff is meeting its objectives, and the organization's overall efficiency. She earned her bachelor’s degree from Wheaton College.
- [Read Davis](https://mcgriff.com/resources/team-member/read-davis/) - Read Davis is CEO at McGriff. He is responsible for commercial property and casualty solutions for McGriff’s larger clients, as well as employee benefits, captives and alternative risk transfer programs, and industry specialty groups. Davis has worked in the insurance industry for over 33 years and held various risk management, producer and leadership roles, including

## Categories

- [What we do](https://mcgriff.com/resources/category/what-we-do/)
- [Business Insurance](https://mcgriff.com/resources/category/what-we-do/business-insurance/)
- [Risk Management](https://mcgriff.com/resources/category/what-we-do/risk-management/)
- [Employee Benefits](https://mcgriff.com/resources/category/what-we-do/employee-benefits/)
- [Personal Insurance](https://mcgriff.com/resources/category/what-we-do/personal-insurance/)
- [Articles](https://mcgriff.com/resources/category/articles/) - Category that holds all article posts
- [Success Stories](https://mcgriff.com/resources/category/success-stories/)
- [Releases](https://mcgriff.com/resources/category/releases/)
- [Newsletters](https://mcgriff.com/resources/category/newsletters/)
- [White Papers](https://mcgriff.com/resources/category/white-papers/)
- [Videos](https://mcgriff.com/resources/category/videos/)
- [Webinars](https://mcgriff.com/resources/category/webinars/)
- [2026 U.S. Business Insurance State of the Market Report](https://mcgriff.com/resources/category/white-papers/2026-us-business-insurance-state-of-the-market-report/)

## Tags

- [Business Insurance](https://mcgriff.com/resources/tag/business-insurance/)
- [Employee Benefits](https://mcgriff.com/resources/tag/employee-benefits/)
- [Client Advisory](https://mcgriff.com/resources/tag/client-advisory/)
- [Personal Insurance](https://mcgriff.com/resources/tag/personal-insurance/)
- [Compliance QA](https://mcgriff.com/resources/tag/compliance-qa/)
- [Transportation](https://mcgriff.com/resources/tag/transportation/)
- [Commercial Automotive](https://mcgriff.com/resources/tag/commercial-automotive/)
- [property insurance](https://mcgriff.com/resources/tag/property-insurance/)
- [Hospitality](https://mcgriff.com/resources/tag/hospitality/)
- [Checklist](https://mcgriff.com/resources/tag/checklist/)
- [Real Estate](https://mcgriff.com/resources/tag/real-estate/)

## Team Categories

- [Executive Leadership](https://mcgriff.com/resources/team-category/executive-leadership/)
- [Business Leadership](https://mcgriff.com/resources/team-category/business-leadership/)