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Guidelines

15 Red Flag Threats to Private Client Wealth

A concise set of red flag questions to help individuals and families identify potential gaps and emerging risks in their personal insurance coverage and ensure protection aligns with their assets, lifestyle, and long-term goals.

Report

2025 PBM Industry and Market Update | October 2025 Edition

PharmaLogic® Spotlight communications explore evolving pharmacy dynamics and emerging trends that influence drug utilization and cost, supporting informed benefits decision-making.

Guidelines

2026 FSA and Transportation Limit Updates

On October 9, 2025, the IRS released Revenue Procedure 2025-32, providing a list of inflationary adjustments made to certain employee health and welfare benefits (and other various items) for the 2026 calendar year.

Whitepaper

2026 Healthcare Cost Outlook: Cost Drivers & Trend Insights

According to results from a recent Brown & Brown analysis, employers expect their healthcare costs to increase an average of 10% for 2026, after accounting for changes to their plan offerings.

Webinar

2026 Regulatory and Legislative Strategy Webinar Schedule

We are pleased to announce the upcoming Brown & Brown Employee Benefits Regulatory and Legislative Strategy Group webinar schedule for 2026.

Webinar

2026 State of the Hospitality Insurance Market webinar

There’s new opportunity in today’s hospitality insurance market. Some operators are seeing relief in property and workers’ compensation, but many still face rising premiums. Liquor liability remains challenging, and cyber risk is growing with AI-driven threats. In this recorded webinar, we cover key 2026 trends and practical strategies to help you improve your insurance outcomes.

Whitepaper

A Comprehensive Guide to Cyber Insurance For Successful Individuals and Families

What you need to know about rising cyber risks and how to best protect yourself and family.

Whitepaper

Annual Benefit Plan Limits (2025-2026)

Brown & Brown's Regulatory and Legislative Strategy Group has compiled the annual benefit plan limits for 2025-2026.

Whitepaper

Brown & Brown Employer Health and Benefits Strategy Survey | 2026 Edition

The second annual Brown & Brown Employer Health and Benefits Strategy Survey, 2026, gathered responses from 1,241 employers with at least 200 US-based employees across a wide variety of industries and regions.

Manual

Burgee Program Junior Sailing Safety Manual

Safe habits start early, and this manual sets clear expectations for yacht clubs and community sailing programs supporting junior sailing.

Whitepaper

Cloud Outages | Insurance Considerations

Recent outages involving major cloud service providers have drawn significant attention across industries, with preliminary estimates suggesting that tens of thousands of organizations may have been affected.

Webinar

Community Association Insurance Challenges: How to Improve Insurability and Contain Costs

If you’re looking for fresh ideas to manage cost and risks, watch our important session. Evan Dash of Risk Strategies, part of the Brown & Brown team, walks through, What’s driving insurance cost increases, How to enhance your property’s appeal to underwriters, The role of your maintenance, safety, and compliance strategies in reducing claims, The importance of aligning your governing documents and insurance program to prevent costly surprises, and Tips for structuring your insurance program to contain costs.

Guidelines

Creating Defensible Space and Hardening Your Home in Wildfire Zones

Reducing wildfire risk starts at the property level, and this guide explores defensible space strategies and home‑hardening measures that help protect safety and long‑term property value.

Whitepaper

Cyber Property Insurance

Cyber incidents are increasingly impacting critical infrastructure, machinery and equipment, leading to physical damage such as fires, explosions and machinery breakdowns.

Webinar

Cyber Risks and Insurance

In today's digital world, cyber threats are constantly evolving, and the cost of a data breach can cripple your business. Join our webinar, Cyber Risks and Insurance, on Wednesday, February 12, where we will discuss the latest cyber insurance market trends, predict future coverage needs and potential pitfalls, and highlight key concerns and common claim drivers. Don't let cyber threats disrupt your operations. Register now to learn how to navigate the ever-changing cyber landscape.

Webinar

Cyber Security & HIPAA: Why You Need Both to Be Compliant

Cyberattacks and data breaches are growing threats to dental practices, putting patient information and practice operations at risk. In this insightful webinar, "Cyber Security & HIPAA: Why You Need Both to Be Compliant," you'll learn why both robust cybersecurity and HIPAA compliance are critical to safeguarding your practice and staying compliant. Join industry experts Herb Ford from Risk Strategies Dental Practice, Imani Barnes from Risk Strategies Cyber Risk Practice, and Kelly Koch from The Compliancy Group as they dive into the latest trends in cyber threats, the regulatory landscape, and practical solutions for dental practices.

Webinar

Data-Driven Analytics: Optimize Insurance Costs & Align Risk Management Strategies

Watch our webinar to discover how organizations can leverage data-driven insights to define risk profiles and make informed decisions about risk mitigation and financing strategies. Attendees will learn how advanced modeling solutions optimize the total cost of risk by evaluating program structures, retention strategies, and scenario simulations to enhance efficiency and reduce volatility. The session will also showcase how analytics can align retention strategies with liquidity goals, protect the balance sheet, and unlock opportunities for capital optimization and reinvestment. This holistic approach empowers organizations to minimize losses while creating long-term enterprise value.

Guidelines

Dependent Care Assistance Plan (DCAP) Guide

Whitepaper

DExit: The Delaware Exit Movement

Delaware remains a top choice for incorporation due to its favorable corporate legal framework, its robust body of case law and historical dominance. However, recent judicial trends, high-profile corporate migrations and competitive reforms in other states have challenged its supremacy.

Webinar

Digging Deep: A Guide to Root Cause Analysis

Explore the keys to conducting effective investigations in our recent webinar! Learn how to gather accurate, complete information by focusing on facts—not fault. We’ll guide you through best practices for timely scene visits, capturing visual records, conducting witness interviews, and thorough documentation. Don’t miss this opportunity to enhance your investigative skills—watch now!

Webinar

Drive Better Results: How Transportation Risks Stand Out in a Tough Market

In today’s competitive transportation insurance market, how you present your risk can make all the difference. This webinar walks transportation professionals through the key elements underwriters look for—loss data, safety culture, operational transparency, and differentiators—and shows you how to package that story effectively. Attendees will leave with actionable strategies to strengthen submissions and improve placement outcomes.

Webinar

Electric Vehicle Fire Safety

Electric vehicles (EVs) are a fast emerging technology that continues to gain in popularity. Similarly, ways to mitigate the risks created by EVs are also changing with new information and techniques. This webinar will review the hazards presented by EVs, and explain how to mitigate these hazards in both commercial and residential occupancies. Watch the webinar now!

Whitepaper

Electric Vehicles in Parking Garages

What are the safety considerations of electric vehicles and charging stations in parking garages? Learn more about lithium‑ion battery hazards and practical risk mitigation steps.

Response Plan

Emergency Response Plan Template

When an incident happens on the water, clear roles matter — this response framework can help strengthen communication, coordination, and preparedness.

Whitepaper

Emerging Solutions for Voluntary Benefits

Voluntary benefits have the capability to play a critical role in supporting the core plans and bring higher value to the benefit strategy, if desired.

Whitepaper

Employee Benefits 2026 Compliance Guide

The Regulatory and Legislative Strategy Group has created the 2026 Employee Benefits Compliance Guide to help you with the legislative and regulatory requirements for your employee health and welfare benefit plans.

Checklist

Facility Safety Checklist for Sailing Clubs & Sailing Organizations

Review common facility risks and safety considerations with a checklist designed to help sailing organizations identify hazards and address OSHA concerns.

Webinar

Fighting Back: Transportation & Construction Liability Litigation Mitigation

Learn actionable strategies to mitigate risk for the transportation and construction industries from our February 5 session. Experts covered early intervention, AI and OSHA litigation trends, and how to combat fraudulent claims.

Webinar

Fleet Safety (April 2025)

As auto insurance rates continue to climb, fleet safety becomes a critical component to ensure the safety of your drivers and members of the general public. This webinar will provide our clients with big and small fleets with the knowledge and tools necessary to implement effective fleet safety programs. Watch the recording now!

Guidelines

Flood Preparedness

Flooding can disrupt business operations long after waters recede. Our guide can help you plan ahead, prioritizing safety and structuring recovery efforts to support business continuity.

Whitepaper

From Collapse to Clarity | What Tricolor and First Brands Teach Us About Credit Insurance

The recent bankruptcies of Tricolor Holdings and First Brands Group, along with the heightened regulatory attention on bank exposure to non depository financial institutions (NDFIs), illustrate the potential benefits of incorporating credit insurance into bank credit risk frameworks.

Guidelines

Frozen Pipe Best Practices

Cold temperatures can cause serious damage quickly. Read our best practices on preventing frozen pipes, spotting early issues, and reducing the impact of winter weather.

Whitepaper

Governmental Plan 2026 Compliance Guide

The Regulatory and Legislative Strategy Group has created the Governmental Plan 2026 Compliance Guide to help you with the legislative and regulatory requirements for your employee health and welfare benefit plans.

Webinar

Hackers in the House: Is Your Venue Cyber Secure?

Allen Blount and Tavy Smith of Risk Strategies, part of the Brown & Brown Team, present a fast-paced cyber webinar designed specifically for venue professionals. In this recorded session, they pull back the curtain on real-world cyber threats facing your operations and share practical steps to protect your organization. Watch now to gain valuable insights and safeguard your business!

Whitepaper

Hail Preparedness

Hailstorms can damage buildings quickly and with little warning. Learn more about common exposure areas and steps that may help limit damage and repair costs.

Webinar

Hazard Communication and Hazardous Materials Webinar

Watch our webinar on Hazard Communication and Hazardous Materials in the workplace. We explore the safe use of chemicals, simplify the process of reading Safety Data Sheets (SDS) to equip you with an awareness of OSHA requirements. Additionally, we discuss proper disposal methods, best practices for safe storage, and the crucial limits for storing chemicals. Watch the recording now to enhance your understanding and create a safer work environment!

Guidelines

Health & Welfare Benefit Plans: Plan Year Change Considerations

When a plan sponsor decides to change the plan year for their health and welfare benefit programs, numerous compliance items should be considered, including but not limited to those issues identified in the chart.

Webinar

Heat Illness Prevention Strategies for U.S. Restaurateurs

Learn proven strategies to protect staff from heat-related illnesses, avoid compliance missteps, and see best practices in action from successful hospitality businesses. Missed the session? Watch the recording to access all the insights and keep your team safe this season.

Whitepaper

HHS Releases Updated Notice of Privacy Practices

On February 13, 2026, the Department of Health and Human Services (HHS) released updated HIPAA model notice templates for health plans and health care providers.

Webinar

How Property Insurance Affects Your Bottom Line

Hospitality businesses operate on razor-thin margins, and every dollar counts. Could there be hidden opportunities to reduce costs by rethinking your property risk management strategy? Watch our webinar to learn how to protect your hotel, restaurant, bar, or tavern while keeping insurance costs in check.

Webinar

How Subrogation Can Protect Your Loss Ratio

Watch our webinar, “How Subrogation Can Protect Your Loss Ratio”, where our claims specialists explain how effective subrogation recovers funds from at-fault third parties after your insurer pays a claim. Discover practical strategies to maximize recoveries, reduce net claims costs, and improve your loss ratio – ultimately helping control premiums and strengthen your overall risk management.

Webinar

HSA Compliance: A Deep Dive into the Rules Surrounding HSAs

Although HSAs offer significant advantages, these benefits also come with a complex regulatory environment for employees and employers alike.

Guidelines

Hurricane & Large Storm Claim Handling Tips For Condo Associations

Response Plan

Hurricane Activation Plan Template

Guidelines

Hurricane Impacts | The Aftermath

Guidelines

Hurricane Preparation & Recovery Guide for Homeowners

Preparation and recovery go hand in hand, and this guide shares proactive ways to protect your home, safeguard your assets, and support your family through hurricane events.

Guidelines

Hurricane Preparation and Recovery | Claims Guidelines

Guidelines

Hurricane Preparation and Recovery | Claims Guidelines for Condo Associations

Guidelines

Hurricane Preparation Guide for Yacht Owners

Severe weather can escalate quickly — see what yacht and boat owners should consider before, during, and after a hurricane to help reduce damage.

Whitepaper

Hurricane Preparedness Guide

Preparing ahead of hurricane season can make a real difference. In our preparation guide, we cover the needed to help protect structures, grounds, operations and people, including planning considerations and insurance review.

Guidelines

Ice Dam Prevention

Ice dams often form long before they’re visible. Learn about property‑level steps that can help reduce the risk of ice‑related leaks and water backup during winter conditions.

Webinar

Industrial Hygiene - What Is It and When Is It Needed

Please watch our webinar for an overview of the fundamentals of Industrial Hygiene and how it can affect your business. This webinar focuses on the specialized concerns within Industrial Hygiene practices. We discuss exposures to noise, radiation, and hazardous chemicals and where those exposures can lurk within your industry.

Checklist

Key Questions to Ask Your Broker

Effective annual insurance reviews start with asking the right questions, and this guide equips yacht clubs and sailing organizations to evaluate coverage and address marine-specific risks.

Webinar

Managing the Rising Risks of Active Assailant and Violence in the Workplace

Active Assailant and Workplace Violence can strike anywhere and at any time – Is your organization ready? Learn how to prepare and protect with expert guidance and insurance coverage insights from our recent webinar.

Report

Market Trends

Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.

Guidelines

Medicare and VA Benefits

If you are a veteran that served on active duty in the U.S. Armed Forces, you may be eligible for Veterans Affairs (VA) benefits.

Guidelines

Medicare Fraud

There are several ways you can prevent Medicare fraud.

Guidelines

Medicare Open Enrollment

Medicare annual open enrollment information.

Guidelines

Minimizing Risk at Holiday Time

This guide highlights common seasonal risks during the busy holiday season and offers ways to protect your home, valuables, and guests.

Webinar

Morrissey Goodale Symposium Discussion

A&E firms are navigating an evolving risk landscape. During the 1000 Panel at Morrissey Goodale’s recent Symposium, Dale Crow spoke to the continued importance of Professional Liability and why early alignment with legal and insurance teams matters as risk management decisions take shape. Watch the discussion here.

Whitepaper

Natural Disaster Preparedness Kit

After a disaster, knowing what to do next matters. This kit walks through key property claims considerations, from mitigating damage to coordinating inspections and next steps.

Whitepaper

Navigating the Complex, Ever-Changing Yacht Insurance Market

The yacht and marine insurance landscape is complex and dynamic. While the reality of today’s insurance marketplace can feel overwhelming to boat owners and buyers, there are smart ways to navigate your options and secure the yacht insurance coverage you need.

Whitepaper

New Childhood Vaccination Guidelines: What Employers Should Know

On January 5, 2026, the U.S. Department of Health and Human Services (HHS) and the Centers for Disease Control and Prevention (CDC) announced significant changes to the childhood immunization schedule.

Webinar

Nuclear verdicts and their Impact on Insurance and Business Strategies

Rising jury awards; Are we moving into unchartered territory? This webinar explores the reasons for escalating jury verdicts, impacts on insurance/business strategies and options/solutions for avoiding significant jury awards on liability claims. Watch the recording now!

Guidelines

PCORI Fee Guide

Fully insured and self-insured health plans are required to pay the Patient Centered Outcomes Research Institute (PCORI) fee annually by July 31 of the calendar year following the last day of the plan year.

Guidelines

Personal Lines Claims Reporting Guidelines

Filing a claim is easier with the right preparation. Our team outlines the documentation, communication, and next steps needed to help smoothly navigate the claims process.

Whitepaper

PharmaLogic Spotlight 2026 Edition 1

Brown & Brown’s PharmaLogic® Spotlight communications review evolving pharmacy dynamics and trends driving prescription drug use and cost to guide benefits decision-making.

Whitepaper

Planned Power Shut-offs for Businesses

This checklist provides businesses with steps to prepare for planned utility power outages, including maintaining generators, safeguarding electronic equipment, backing up data, and ensuring fire protection systems remain operational.

Whitepaper

Planned Power Shut-offs for Homes

Homeowners can better prepare for planned utility outages by utilizing our checklist, which includes guidance on gathering essential supplies, safeguarding electronics, fueling generators, and more.

Guidelines

Political Violence Insurance for Fine Art

Conflicts, tensions, and elections around the globe are sparking concerns among museums, galleries, and art collectors. Could civil unrest endanger art in transit or on display? If yes, how can the fine art community protect against these risks? Here’s an information guide to consider when formulating your risk management strategy.

Checklist

Post-Hurricane Checklist

After a storm passes, knowing what to do next matters. This checklist walks through key post‑hurricane steps, from confirming safety and documenting damage to securing property and starting cleanup.

Guidelines

Potential Insurance Coverage Gaps or Exclusions That May Surprise Condo Associations at Claim Time

Whitepaper

Powering the Future of Digital Infrastructure

The rapid expansion of data centers and digital infrastructure driven by artificial intelligence, cloud adoption, and high-performance computing has fundamentally altered the role of power within the sector.

Whitepaper

President Signs Consolidated Appropriations Act of 2026 which includes Rules on Pharmacy Benefit Management Reform

On February 3, 2026, the President of the United States (POTUS) signed into law the Consolidated Appropriations Act of 2026 (CAA 2026).

Guidelines

Preventing Slips, Trips, Fall at Sailing Organizations

Whitepaper

Protecting Critical Infrastructure from Evolving Cyber Threats

Cyber insurance provides tailored financial protection and response services to help utility operators, independent power producers (IPPs) and renewable developers recover from these incidents and maintain business continuity.

Whitepaper

Protecting Your Smart Home | Balancing Physical and Cyber Security

While it is important for homeowners to protect themselves, it is also crucial to be aware of the cyber and privacy concerns of having a security system in their homes.

Webinar

Recorded Webinar | ACA Employer Mandate and Look Back Measurement Method

Applicable Large Employers (ALEs) are required to provide information reporting under the Employer Shared Responsibility rules to individuals and the Internal Revenue Service (IRS).

Webinar

Recorded Webinar | ACA Reporting – How to Prepare for the 2026 ACA Reporting Requirements

The due date for the 2025 ACA Reporting Forms (“Forms”) is right around the corner, and Applicable Large Employers (ALEs) and sponsors of self-insured health plans will need to both disclose these Forms to their full-time employees (and other covered individuals) and file these Forms with the IRS.

Webinar

Recorded Webinar | Benefit Plan Compliance: Account-Based Plans

In this presentation, the Regulatory & Legislative Strategy group reviews each type of account-based plan, including how they may impact each other, and illustrates the benefits and advantages of each.

Webinar

Recorded Webinar | ERISA: Health Plan Documents and Form 5500 Reporting

For most plan sponsors, the Employee Retirement Income Security Act (ERISA) is one of the most significant laws governing their employee health and welfare benefit plan.

Webinar

Recorded Webinar | ERISA: MLR Rebates, Plan Assets and General Plan Sponsor Fiduciary Duties

For plans subject to the Employee Retirement Income Security Act (ERISA), the law establishes certain standards that must be followed by those who manage the employee benefit plan and its assets (e.g., plan fiduciaries).

Webinar

Recorded Webinar | Health and Welfare Plan Compliance FAQs

The Brown & Brown Regulatory and Legislative (R&L) Strategy team invites you to a discussion of some of the most relevant and popular topics related to health and welfare benefits plan compliance in 2025.

Webinar

Recorded Webinar | IRC Section 125 Status Change Events and HIPAA Special Enrollment Events

When an employee requests to make a mid-year election change to their benefit elections, employers must consider multiple factors, such as whether the election change is permitted under the Section 125 plan, in addition to the facts and circumstances of the request and the timing of the request.

Webinar

Recorded Webinar | March 2026 – Quarterly Updates

Watch as we discuss some of the latest topics related to the regulatory and legislative environment surrounding health and welfare benefit plans.

Checklist

Recovery Action Checklist

Emergencies can leave a lot to manage at once. This checklist emphasizes safety and damage mitigation, with guidance on safe entry, documentation and protecting your property from further loss.

Whitepaper

Riot Protection

Periods of unrest can create new risks for businesses. Practical steps are available for businesses looking to better safeguard their locations, teams, and assets when conditions feel uncertain.

Report

Risk Report: Safe Propane Usage & Storage

Our team shares safety considerations and best practices for propane handling and storage to help reduce the risk of fires, injuries, and property damage.

Webinar

Safe Start: Onboarding New Hires for Injury Prevention & Long-Term Success

New hires face higher risks in their first months on the job – don’t let preventable incidents derail your organization’s success. This webinar explores proven strategies to equip new employees with the knowledge, tools, and support they need to stay safe from day one. Learn how to foster a strong safety culture that reduces injuries, ensures compliance, builds confidence in new team members, and improves retention.

Whitepaper

Setting a Global Standard | Comprehensive Artificial Intelligence Regulation

The AI Act establishes a regulatory framework for artificial intelligence systems, setting standards based on the nature of their application and the level of risk they pose.

Whitepaper

Seven Ways to Foster Employee Connection throughout the Holiday Season

The holiday season is often a time of celebration, joy and togetherness with family and loved ones. Yet, for many, the bright lights and festive gatherings can intensify feelings of loneliness and isolation.

Guidelines

Special Events - Safety Tips & Liability

Report

State of the Market

Our 2026 report brings together deep expertise, proven experience, and comprehensive resources to deliver stronger insurance solutions for commercial insurance, employee benefits, and personal insurance.

Whitepaper

Supporting Women's Heart Health: A Guide for Employers

By acting now, employers can foster healthier workplaces, reduce preventable health crises and empower women to protect their long-term well-being.

Webinar

The Data Advantage: Predicting Claims and Shaping Safer Behaviors

Unlock the power of claims data to improve safety and decision-making in your organization. In this webinar, we’ll show how analyzing trends can uncover insights to reduce risks, lower loss frequency, and boost safety. Learn to identify key patterns and apply data-driven strategies for real impact. With expert guidance and real-world examples, discover how to turn analytics into action. Watch the recording now!

Whitepaper

The New Era of Coordinated Virtual Care: From Point Solutions to Integrated Ecosystems

Today’s virtual-first innovations have reshaped the care experience in ways that not only emphasize, but go beyond, convenience.

Webinar

The Rise of Cyber Claims in Healthcare and Emerging Risks

Watch our webinar for an expert-led conversation moderated by Allen Blount exploring the rapidly evolving landscape of cyber risk in the healthcare sector. Our panel discusses the latest market conditions, the surge in healthcare-related cyber claims and rising costs, and the forces driving these trends. We examine third-party litigation trends, evolving underwriting approaches, and the increasing regulatory pressures facing healthcare providers. The session also highlights emerging risks in healthcare — and why they matter now more than ever. Watch now!

Guidelines

Understanding Flood Risks & Flood Insurance

Flood risk is increasing in more places, and this guide helps explain how flood insurance works and where coverage may be worth considering beyond high‑risk zones.

Guidelines

Understanding Personal Umbrella Insurance and Determining Adequate Limits

As assets and responsibilities grow, liability exposure can increase. This guide explains how umbrella insurance adds an extra layer of protection beyond standard policies.

Webinar

Water Damage - Mitigation and Claims

Water damage is one of the most frequent losses resulting in insurance claims today. This webinar will explore ways to prevent or mitigate water damage losses, and discuss appropriate procedures if a water damage claim needs to be filed. Register now to secure your seat!

Guidelines

Water Leak Prevention

Small leaks can turn into major damage. Learn how monitoring tools, routine maintenance, and seasonal planning can help reduce risk at home and vacation properties.

Webinar

Webinar Slides: Family Medical Leave Act (FMLA) and Health Benefit Plans

These slides were presented during a webinar led by the Regulatory and Legislative Strategy team, in partnership with Brown & Brown’s Strategic Non-Medical Solutions Absence Consulting team, regarding the Family Medical Leave Act (FMLA) and Health Benefit Plans.