How Gap Insurance Transforms Your Employee Benefits Strategy
Reading Time: 5 minutesReading Time: 5 minutes How Gap Insurance Transforms Your Employee Benefits Strategy: A Complete Guide for Employers Last Updated: September 30, 2025 Quick Insights Box Gap insurance is revolutionizing how employers manage rising healthcare costs while maintaining competitive benefits packages. These supplemental plans fill coverage gaps in high-deductible health plans, reducing out-of-pocket expenses for employees […]
How Much Does a PEO Cost?
Reading Time: 6 minutesReading Time: 6 minutes How Much Does a PEO Cost? 2025 Pricing Guide with ROI Calculator Quick Cost Estimate: PEO services typically cost 2-12% of gross payroll ($150-$300 per employee monthly). For a 25-employee company averaging $50,000 salaries, expect $75,000-$150,000 annually—often less than the true cost of managing HR internally. “How much will this actually […]
PEO vs Payroll Company
Reading Time: 6 minutesPEO vs Payroll Company: Which HR Solution Is Right for Your Business? Quick Decision Guide: Choose a payroll company if you only need basic payroll processing. Choose a PEO if you want comprehensive HR services, better employee benefits, and compliance protection. Most growing businesses (25+ employees) benefit more from PEO partnerships. The choice between a […]
Key Person Insurance Cost
Reading Time: 5 minutes Key Person Insurance Cost: What Happens When Your $3 Million Moneymaker Walks Out the Door? ⚡ Reality Check: Your top salesperson generates 40% of revenue. Your CTO holds all the technical knowledge. Your COO manages every critical relationship. One unexpected departure could cost your business millions. Key person insurance costs pennies compared to […]
Nursing Home Insurance Crisis 2025: Alternative Solutions Guide
Reading Time: 9 minutesReading Time: 9 minutes Nursing Home Liability Insurance Crisis: How We Can Help Quick Insights Box The senior living insurance market faces unprecedented challenges with liability rates increasing 300%, major carriers exiting, and COVID-related lawsuits creating additional uncertainty. Facilities nationwide struggle to find affordable coverage, forcing many to explore alternative risk management strategies including captives, […]
Save Your Business During Economic Uncertainty: A Buy-Sell Agreement
Reading Time: 6 minutesReading Time: 6 minutes Save Your Business During Economic Uncertainty: A Buy-Sell Agreement Checklist 📋 ⚠️ Critical Alert: 67% of business partnerships fail due to unplanned owner exits. In today’s volatile economy, a funded buy-sell agreement isn’t optional—it’s survival insurance. Three weeks ago, a Houston manufacturing company called us in crisis. One partner had died […]
Builders Risk Insurance & Material Cost Escalation | 2026 Guide
Reading Time: 7 minutesBuilders Risk Insurance and Rising Construction Material Costs Quick Insight: Builders risk insurance covers material theft and damage but requires specific endorsements for price escalations. With materials representing 40-50% of construction costs, proper coverage protects both your inventory and profit margins. Last month, a framing contractor working in The Heights called our office in panic. “Lumber […]
The 2025 Texas GAP Insurance Guide
Reading Time: 4 minutesThe 2025 Texas GAP Insurance Guide: Everything You Need to Know Meta description: Comprehensive guide to GAP insurance in Texas — what it is, costs, provider comparison, state laws & protections, and resources to help you make confident decisions. Quick Insights What GAP Does: Covers the “gap” between what your auto insurer pays (actual cash […]
Basics & Definitions: What Is Gap Insurance? Complete Guide
Reading Time: 6 minutesReading Time: 6 minutes What Is Gap Insurance? A Complete Beginner’s Guide (2025) Quick Insights on Gap Insurance Gap insurance (Guaranteed Asset Protection) in 2025 is a type of auto insurance coverage that pays the difference (“gap”) between a vehicle’s actual cash value (ACV) at the time of a total loss and the remaining loan […]
AI Insurance is Reimagining Policy Reviews
Reading Time: 3 minutesAI Insurance: How Domain‑Specific Tools like Qumis Are Reimagining Policy Review Why insurance is turning to AI Insurers are being squeezed by two simultaneous forces: unprecedented claim complexity and an approaching talent cliff. Claims like cyber breaches and social‑inflation lawsuits involve novel risks and hundreds of pages of legalese. Rayne Morgan’s report on the launch […]