Victoria Gretzky was injured when she fell on a
staircase at an apartment building owned by the Arrudas. In September 2022 she sued the Arrudas, who were insured by AmGuard. AmGuard
made a number of settlement offers, each of which Gretzky declined. She
demanded the policy limit of $1 million, plus interest.On the second day of trial the parties settled,
SERIOUS ABOUT NETWORKING?
I recently delivered a talk for a large group of job searchers about networking. As in how to land more connections, more interviews, and gain more confidence.
If more job searchers were more serious about networking, there would be less job searchers. Harsh, I know. Of course, I understand that it’s a downer to be out of work and it
As technology outages become the new normal, staying operational means staying vigilant
From cloud outages to cybersecurity failures, the digital backbone of modern business is under constant strain. Recent high-profile disruptions — including the recent Amazon and Microsoft outages — have exposed just how vulnerable organizations can be when critical systems go dark. These incidents aren’t isolated anomalies; they’re signals of a new status quo where technology-driven interruptions happen every day, with
Let the Data Drive Results…Or Keep Pressing the Easy Button
The Data Is There. Most Advisors Just Won’t Show It
It’s not difficult to understand where the money goes. So long as you have the data, someone who can interpret it, and an action plan built from what it tells you.
We’re big believers in letting data drive results. And we’re not fans of the advisors who hide the numbers
Have You Fallen Into the Fully Insured Trap?
Most employers stick with fully insured health plans because that’s what their broker recommends. Year after year, they accept premium increases of 8-12% and assume this is just “the cost of doing business.” But here’s the truth your broker might not be telling you: you’re likely making insurance carriers rich while missing out on significant savings.
The Fully Insured Comfort
Fully Insured Health Plans: How a 150-Employee Company Pays $700,000 More Over Five Years
Most employers believe their fully insured health plan provides control over health insurance costs. The numbers tell a different story, one that costs companies far more than leadership realizes.
The Compounding Premium Problem
Consider a 150-employee company with a fully insured plan starting at $500/month per employee. With a 7% annual increase (well within industry averages) the financial impact compounds
You Don’t Control Your Own Destiny with a Fully Insured Plan
The benefits game is rigged, and it’s time employers faced the truth about what’s really happening with their health insurance dollars.
Every single year, carriers operate under the same assumption: they’re going to make money on your plan. Yet every single year, they’re also raising your rates. Think about that for a moment. If they made money last year (and
13 WAYS TO BE MORE REFERABLE
Referrals are the lifeblood of a thriving sales pipeline. But they don’t just happen—you must earn them. If you want more people talking about you (word of mouth) and sending business your way, you need to be referable.
Of course, being referable is important if you’re an attorney, financial advisor, M&A advisor, insurance agent, accountant, or almost any type of
Have You Ever Had an Assessment Done on Your Pharmacy Program?
When was the last time someone actually analyzed your prescription drug claims?
If you’re like the employer we recently met with (3,400 employees, loyal to their broker, happy with the service) you might not even know what a pharmacy assessment looks like. This employer had never seen their drug spend data. Didn’t know where to find it. Had no idea
This Nursing Home Group Saved $140K While Their Broker Said It Was Impossible
Most employers are stuck in the same cycle: rising premiums, shrinking benefits, and zero accountability from their benefits advisor.
Your broker gets paid whether you save money or not. So where’s their incentive to actually solve your problems?
Here’s What Happened
A 500-employee nursing home group came to us drowning in the same issues plaguing employers nationwide:
Premium increases eating