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December 2025

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2026 Commercial Insurance Trends That Could Impact Colorado Businesses

Business /

What to watch and how to prepare As insurance markets stabilize after several hard years, Colorado businesses still face a complex and evolving risk environment. From climate exposure to cyber threats, here are the commercial insurance trends shaping 2026—and what they could mean for your coverage and renewal strategy. 1. Market Moderation, Not Reversal The…

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Did Santa Bring Something Sparkly? Why You Should Schedule Your Holiday Gifts

Personal /

The holidays are full of surprises—new jewelry, luxury handbags, art pieces, watches, skis, collectibles, and even high-tech gadgets that cost more than most people realize. While you’re busy celebrating, unwrapping, and making memories, there’s one small but important step that ensures your new treasures are financially protected: 🎁 Scheduling your holiday gifts on your homeowners

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ERISA, COBRA & the Alphabet Soup of 2026: What Colorado Employers Need to Know

Employee Benefits /

Keeping up with employee benefits has never been simple—especially with the growing list of acronyms that shape compliance and administration. As 2026 approaches, Colorado employers are navigating evolving regulations under ERISA, COBRA, ACA, FMLA, HIPAA, and more. At Conexus, we help businesses cut through the noise so you can stay compliant, protect your people, and

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What Colorado Businesses Need to Know About Equipment Breakdown Coverage

Business /

(And Why Your Property Policy Probably Doesn’t Cover It) Colorado businesses rely on more equipment than ever—HVAC systems, servers, point-of-sale tools, refrigeration units, brewing equipment, and more. Yet many owners assume their commercial property policy will cover them if something suddenly breaks down. Here’s the surprise most people don’t learn until it’s too late: Property

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Rising Benefits Costs? Here’s How Employers Are Getting Creative

Employee Benefits /

The Fourth Quarter Squeeze For many employers, fourth quarter means renewal season — and another round of sticker shock when reviewing employee benefits costs. According to the 2025 KFF Employer Health Benefits Survey, the average annual premium for employer-sponsored family coverage rose to $26,993, a 6% increase over last year. Employers cite higher medical inflation,

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