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September 2025

SOCIAL-INFLATION-&-NUCLEAR-VERDICTS-Blog-Banner

Social Inflation & Nuclear Verdicts: What Soaring Jury Awards Mean for General Liability and Umbrella Limits in 2025

Business /

Understanding the Trend Across the United States—and here in Colorado—businesses are feeling the effects of social inflation. This term refers to the rising costs of insurance claims, often driven by factors outside of traditional inflation, such as: Shifts in public sentiment about corporations and insurers Aggressive plaintiff attorney tactics and litigation funding Expanding definitions of…

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How to Build a Cost-Effective Benefits Strategy That Actually Works

Employee Benefits /

For many Colorado employers, health insurance and employee benefits are among the biggest line items on the budget—and often one of the most stressful. Premiums continue to rise year after year, but simply chasing the lowest-cost plan can leave both employees and businesses shortchanged. A truly cost-effective benefits strategy isn’t just about lowering premiums. It’s

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Your Roof, Your Ride, or Your Revenue: How ACV vs. RCV Impacts You

Personal /

When a storm rolls across Colorado’s Front Range, it can leave behind more than just dramatic skies—it can also mean hail-dented cars, damaged roofs, or even shuttered businesses. That’s when your insurance policy steps in. But here’s the catch: how much you actually receive for your claim depends on a key detail many people overlook—whether

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Cyber Liability Insurance in the Age of AI & Data Breaches: Why Every Business Needs Protection

Business /

In today’s increasingly digital world, the risks facing businesses are evolving just as quickly as the technology we rely on. Artificial intelligence (AI), automation, and advanced data systems bring incredible opportunities—but also new vulnerabilities. Cybercriminals are more sophisticated than ever, and data breaches can impact any organization, regardless of size or industry. For Colorado business

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Mental Health Benefits in 2025/2026: What’s Changing—and What Employees Expect

Employee Benefits /

In today’s workplace, supporting mental health is no longer optional—it’s essential. Employers across Colorado and the U.S. are recognizing that mental well-being is just as important as physical health when it comes to building a thriving workforce. As we head toward 2026, mental health benefits continue to evolve—along with what employees expect from their employee

Mental Health Benefits in 2025/2026: What’s Changing—and What Employees Expect Read More »