Insurance and Risk Management Whitepapers

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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.

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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.

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Annual Benefit Plan Limits (2025-2026)

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

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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.

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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.

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Cyber Property Insurance

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

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.