The future is now and if you want your business to compete over the next few years you may want to pay attention to the following topics. There are a number of factors that will affect the business of insurance in the near future.


Our world has gone digital. Technology has changed the way you relate with your customers. Have you invested in the right technology and do you have it properly insured?

Cyber Liability

With the growth of technology, we can now access and store data from our cars, homes, almost anywhere while on the go. This creates a real need to have effective data security, the most up to data protection, and policies and procedures for use and storage. Part of cyber management includes having a comprehensive cyber-liability insurance policy for your business.

The Next Generation of Leaders

Millennials will lead the next generation in the workforce. Is your business prepared?  Millennials like to live and work in the same community, use public transportation and work from home.


Every business should have COVID-19 safety procedures in place. Helping your employees return to work safely and confidently during the coronavirus (COVID-19) pandemic is no easy task.

Employers must ensure social distancing for employees and customers, frequent and adequate employee handwashing, and that sick employees stay home. Employers must also provide basic workplace hazard education about coronavirus and how to prevent transmission in languages best understood by employees. Your workers’ compensation insurer can offer tools and advice in this area.

Employment Liability

If you have employees, you are exposed to the possibility of employment liability claims. Employees know their rights and all employers must become more informed about how to protect their companies. An EPLI policy provides coverage for claims made by workers that their legal rights as an employee of the company have been violated.