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Report

2026 FI Market Report

The 2026 Financial Institutions Market Survey is Brown & Brown Risk Solutions' annual analysis of the insurance market for financial institutions, drawing on survey responses from leading U.S. and London-based insurers. The report examines market conditions, underwriting trends, pricing, capacity, coverage considerations, and emerging risks impacting banks, asset managers, and insurance companies across Cyber, D&O, Professional Liability, and Crime/Fidelity lines.

Whitepaper

Wildfire Preparation Guide

As wildfire events increase in frequency and severity, it is more important than ever to be proactive and prepared. Wildfires put lives, property and businesses at risk.

Webinar

Strategic Vendor Oversight: Mastering Risk Transfer and Insurance

Every vendor, SaaS provider, and cloud service you rely on introduces operational, cyber, compliance, and reputational exposures. Watch this webinar to learn why vendor risk management deserves your attention now.

Podcast

Beyond Open Enrollment: Building a Benefits Communication Strategy That Works

In this episode of the Benefits Breakdown, Adam, Jared, and Vanessa sit down with Brown & Brown communication leaders Tanya Mulqueen and Erika Illiano to discuss the evolving world of employee benefits communications.

Whitepaper

Preparing a Company To Go Public (IPO)

Transitioning from a private to a public company is one of the most important events in a company's lifecycle. This whitepaper outlines the critical readiness steps required for a successful IPO.

Webinar

Prepare for HIPAA 2026: Privacy and Security Changes in the Works

Major changes to HIPAA and HITECH are on the horizon, bringing new expectations for privacy, security, and organizational compliance. This webinar recap examines the recent and upcoming regulatory changes shaping the healthcare landscape and what they mean for your organization.

Webinar

Proven Strategies to Minimize Fleet Accidents and Corporate Risk

This webinar equips fleet leaders and safety professionals with advanced strategies to reduce accidents and minimize corporate liability. Learn how to design enforceable safety protocols, analyze key accident prevention indicators, and apply proven coaching techniques that continuously improve driver skills and performance.

Checklist

Cyber Risk Mitigation: Improve Your Security Posture with Robust Vendor Management

Who reviews your vendor contracts? Is that person looking at the contracts through cybersecurity, insurance, and risk management lenses? You can avoid taking on unnecessary liability by carefully examining the fine print. Are vendors "washing their hands" of responsibility in the contract language? Do you have the protections you need? Here’s a checklist of topics to consider.

Response Plan

Cyber Breach Response: First Steps

Learn the first critical steps to take after a suspected cyber breach, including who to contact and how to contain threats, preserve evidence, and coordinate response resources.

Guidelines

Private Equity Tax Insurance

Tax insurance has a wide range of key applications for organizations facing complex financial risk. Review this checklist for an overview of how to protect against exposures in the tax insurance space.

Case Study

Major Savings and Improved Coverage for a Public School District

Discover how Brown & Brown helped a public school district uncover significant insurance savings while enhancing coverage through a comprehensive risk assessment. Read the case study to see how strategic planning and guidance delivered measurable financial results without compromising protection.

Webinar

OSHA Focus Four in Construction

Dive into the four leading causes of fatal injuries in the industry: falls, struck-by objects, caught-in/between, and electrocution. Learn practical strategies, real-world examples, and compliance best practices to recognize hazards, implement effective controls, and significantly reduce risks on your job sites.

Podcast

Healthcare Delivery Reinvented: Advanced Contracting, Direct Care Strategies, and Cost Control

Vanessa, Jared, and Adam are joined by Katie Wendorff, Brown & Brown Advanced Contracting Strategies Practice Leader, to break down one of the fastest growing areas in employer healthcare strategy. The discussion focuses on how advanced contracting models are helping employers improve access, elevate outcomes, and reduce total cost of care.

Guidelines

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

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

Healthcare Cyber Risk: Services and Risk Quantification

Protecting your business from cyberattacks is important as more focus extends to the healthcare sector. Not only are you exposed to financial risks and loss of productivity, but also longer-lasting effects on your brand and reputation. The Brown & Brown Cyber team understands these impacts and offers tools to help you identify a comprehensive cyber risk solution that meets your needs.

Whitepaper

Operational Technology: The New IT Risk

While much of the focus has been on the interruption of computer systems, which affects all industries, there has been an increasing number of attacks targeting manufacturers and their underlying Operational Technology (OT) systems. Learn how a cyber insurance policy with certain key amendments may be effective at responding to these types of attacks.

Whitepaper

Annual Data Privacy Regulatory Updates

While various ransomware attacks have been monopolizing recent headlines, data breaches play a key role in cyber loss and have risen significantly during 2021. With the increase of data breaches, it is critical for organizations to remain informed about developments to both novice and existing data privacy rules and regulations. Download and share this white paper with your customers and prospects to provide them with an update on data privacy regulations from an international and domestic standpoint.

Whitepaper

Cyber War Exclusions in Focus

An overview of how cyber insurance war exclusions apply to cyberattacks connected to geopolitical conflict, including the main exclusion types and the factors that can affect coverage.

Whitepaper

Delisting at Speed: Nasdaq's New Rules and the Rising Stakes for Directors and Officers

Nasdaq’s proposed 2025–2026 rule changes would tighten microcap listing standards and accelerate delisting risk to address market integrity concerns. Proactive governance planning and the right D&O insurance coverage are critical for protecting leadership teams as regulatory scrutiny intensifies.

Whitepaper

Cyber Hygiene: Mitigate Risk of Ransomware and Other Cybercrime

Before underwriting or renewing cyber coverage, insurers are taking a deep look at each organization’s cyber practices. To qualify for coverage — and particularly, if you want the most favorable rates and terms — you need the following resources and procedures in place.

Webinar

Fringe Benefits: Compliance Considerations

During this one-hour refresher, the Regulatory and Legislative Strategy Group addresses commonly asked questions related to some fringe benefits, including life and disability plans, commuter benefits, lifestyle spending accounts (LSAs), and more.

Webinar

Hurricane Strategies: Managing Risk Before and After Landfall

This webinar explores current and emerging market trends, lessons from historical storm seasons, and what to expect heading into 2026—along with practical loss prevention strategies, policy readiness tips, and post-event actions.

Report

A CFO’s Guide to Risk-Aligned Insurance Financing

What you need to know about Risk-Aligned Financing Techniques (RAFT), a data-driven framework to help healthcare CFOs align operational risk with financial goals.

Checklist

Museum and Gallery Hurricane Preparedness Checklist

Museums and galleries face unique challenges during major storms. This checklist focuses on planning, property protection, and safety considerations to help support staff, collections, and operations.

Manual

Yacht Club and Sailing Club Safety Manual

Safety guidelines for yacht clubs and sailing organizations. Can be used as a template to create a comprehensive safety program.

Guidelines

Hurricane Impacts | The Aftermath

Large-scale catastrophic events can have significant impacts on your business. This guide highlights key areas you may need to pay attention to.

Guidelines

Hurricane & Large Storm Claim Handling Tips For Condo Associations

In the event your condo sustains damage in a hurricane or large storm, Brown & Brown has assembled several tips to help guide you through the claim handling process.

Guidelines

Hurricane Preparation and Recovery | Claims Guidelines for Condo Associations

Brown & Brown has the knowledge you can trust to support you in navigating the complicated claims process so you can focus more of your time and energy on assisting your owners and tenants, mitigating losses and restoring normal business operations.

Guidelines

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

Here is a list of potential insurance coverage gaps and possible exclusions Associations should consider for hurricanes or windstorms to help them prepare before an event or file a claim after an event.

Guidelines

Hurricane Preparation and Recovery | Claims Guidelines

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.

Whitepaper

Winter Freeze Protection for Businesses

Planning ahead for freeze conditions can help businesses minimize disruption and protect both property and operations during winter months. Our guide provides practical considerations for businesses.

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.

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.

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

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.

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.

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.

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.

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

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

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.

Checklist

Weekly Safety Checklist for Program Director

Keep safety top of mind week after week with a quick review of equipment, facilities, and daily program operations.

Checklist

Weekly Safety Checklist for Sailing Organizations

Looking for a simple way to stay ahead of safety issues? Use this weekly checklist to support consistency across facilities and programs.

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.

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

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.

Podcast

Regulatory Reality Check for Employers

In this episode of The Benefits Breakdown, the team is joined by Jessie Campbell, National Practice Leader for Brown & Brown’s Regulatory and Legislative Strategy Group, to break down the growing fiduciary and compliance challenges facing employers.

Webinar

Family Medical Leave Act (FMLA) and Health Benefit Plans

This webinar was 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.

Podcast

Women’s Health Across the Lifespan, Small Changes with Big Impact

In this episode of the Benefits Breakdown podcast, the team explores women’s health across the full lifespan, moving beyond family building to address heart health, mental health, menopause, chronic conditions, and health disparities.

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.

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.

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.

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.

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.

Webinar

Trends in Employee Benefits for Hospitals and Health Systems – 2026

Watch our webinar where you will get a look at the key findings from our healthcare industry benefits survey, 2026 edition. We also discuss the implications for healthcare industry employers, as well as emerging employee benefit trends within the healthcare industry.

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

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.

Response Plan

Hurricane Activation Plan Template

Clear roles and early action can make a difference during severe weather, and this activation plan helps sailing organizations prepare for hurricanes while minimizing risk and damage.

Podcast

Stop Loss 101, 201 & Beyond: Fundamentals to Smarter Risk Strategy

In this episode, the team welcomes Matt Johnson, leader of Brown & Brown’s Stop Loss practice, for a practical conversation on stop loss fundamentals and the realities of managing catastrophic claim risk in today’s market.

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.

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.

Webinar

PharmaLogic Spotlight Update – Q1 2026 Insights into Better Pharmacy Benefit Decisions from Brown & Brown

The Q1 2026 PharmaLogic Spotlight webinar features insight regarding 2025 Drug Approvals Influencing Benefits, Lipid Lowering Drug Trends, Vaccine Guideline Revisions, Biosimilar Use, Injectable Drug Growth, and a GLP-1 Update.

Podcast

How Smart Data Decisions Are Reshaping Benefits Strategy

Benefits Breakdown is joined by Mike Reardon who leads the data and analytics team at Brown & Brown. Together, we explore why every employer needs a data strategy, how modern analytics move us from looking backward to predicting what is next, and how smarter use of data directly improves the employee experience while controlling cost.

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

Rules Related to Health Savings Accounts (HSAs)

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

Webinar

Rules Related to Health Savings Accounts (HSAs)

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

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.

Report

Market Trends

Brown & Brown's Market Trends Report offers a comprehensive analysis of these emerging shifts, providing strategic foresight into the critical developments redefining commercial coverage, employee benefits and personal insurance.

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.

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.

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.

Podcast

Culture, Change and the Future: Powell Brown on Benefits, AI, and Leadership

In this episode, Vanessa Longnecker, Jared Bowcutt, and Adam Compton welcome Powell Brown, CEO of Brown & Brown for a candid conversation about the evolving landscape of employee benefits, the impact of rapid growth and the role of AI in shaping the future.

Webinar

Webinar Slides: Wellness Programs: Compliance Considerations

Over the past decade, changes to the rules related to wellness programs and their incentives have created uncertainty for employers and plan sponsors.

Podcast

Innovation, Affordability, and the Future of Employee Benefits

The team welcomes Mark Abate and John Greenbaum from Brown & Brown’s retail leadership team. Together, they dive into the realities of rising healthcare costs, the challenges of affordability for employees and the evolving landscape of benefit strategies.

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

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.

Podcast

Workforce Well-being Trends: Physical, Mental, Financial Health & Employer Actions

The team is joined by Ellen Kelsay, President & CEO of the Business Group on Health. The discussion highlights how leading employers are responding to rising healthcare costs, global pressures, and evolving employee needs.

Podcast

Specialty Drugs, GLP-1s, and the New Employer Pharmacy Reality

In this episode of Benefits Breakdown, the team is joined by Josh Halperin, Senior Vice President of Pharmacy Consulting Services at Brown & Brown. Together, they explore the rapidly changing pharmacy landscape—how the surge in specialty drug approvals, the rise of GLP-1 medications, and shifting oncology treatments are reshaping employer health plans.

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

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.

Podcast

Navigating the Future of Benefits Tech: AI, Engagement, and Strategy

In this episode of The Benefits Breakdown, Sean Clem and Steve Piccolino from the Brown & Brown Benefits Technology team join us to explore the rapidly evolving world of benefits technology. From the integration of AI in administration to the critical role of employee engagement, they unpack how strategic tech investments are reshaping the employee experience.

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

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

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!

Podcast

Friends as Medicine

In this episode of Benefits Breakdown, the team is joined by Rachel Jensen from the Population Health and Well-Being team at Brown & Brown. Together, they explore the concept of "friends as medicine" and how social connection, belonging and workplace culture directly impact employee health, retention and productivity.

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.

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.

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.

Podcast

Navigating Cost Pressures and Finding Creative Solutions

Vanessa, Jared and Adam discuss the challenges and innovations shaping employee benefits during open enrollment season. With healthcare costs rising at record rates—often 10% or more—employers are exploring new funding models, direct-to-consumer pharmacy options and Centers of Excellence (COEs) to improve outcomes and control spend.

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.

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.

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.

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!

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).

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

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.

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.

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.

Podcast

Beyond Benefits: Bridging Financial Stress, Mental Health, and Workforce Well-Being in 2025

Vanessa Longnecker, Jared Bowcutt and Adam Compton are joined by Meghan Pistritto and Dr. Wendy Coduti from Prudential to unpack the findings of the “2025 Benefits and Beyond” study. The conversation explores the growing intersection of financial stress, mental health, and employee well-being—and how employers can better support their teams.

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!

Webinar

Required Health Benefit Plan Notices

Are you aware of how your organization meets federal compliance standards as it relates to required health benefit plan notices? Watch our Regulatory and Legislative Strategy team as we discuss potential ways to avoid costly penalties and ways to provide effective communication related to health plan information to employees.

Podcast

Digital Wellness and Employee Protection in 2025: Strategies for HR and Cybersecurity Alignment

In this episode of Benefits Breakdown, Adam Compton, Jared Bowcutt, and guests Leyla Bilge, Casey Cullinan, and Paul Berryman explore the evolving landscape of digital wellness and its critical role in employee well-being and organizational resilience.

Podcast

Transparency, Technology, and Total Rewards in a Personalized World

In this insightful follow-up episode, Adam and Jared are joined by Chelsea Hamilton and Sam Thomeier from herronpalmer to explore the evolving landscape of total rewards, pay transparency and the role of AI in enhancing employee experience.

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

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!

Podcast

Pay Transparency and Total Rewards: Strategy, Compliance, and Culture

Vanessa and Adam are joined by compensation specialists Sam Thomeier and Chelsea Hamilton to explore the evolution of pay transparency and its growing impact on workplace culture and business strategy.

Whitepaper

Impact of Military Conflicts on Cyber Risk

Recent military engagements involving Israel, Iran and the United States have prompted heightened alerts from government agencies and the cybersecurity community. Organizations are urged to remain vigilant against potential cyberattacks originating from Iran, particularly those targeting Western critical infrastructure. Both state-sponsored actors and independent hacktivist groups are considered potential threats.

Podcast

Cancer Early Detection and Empowered Healthcare

Vanessa, Adam & the team are joined by Tricia Laursen, President & Executive Director, and Sandy Danault, Senior Director of Programs & Partnerships at DetectTogether, for a powerful conversation on the critical role of early cancer detection and the evolving healthcare landscape.

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.

Webinar

Health Benefit Plans and Medicare

Watch our webinar hosted by the Regulatory & Legislative Strategy Group to explore the interaction between group health plans and Medicare and answer many of the questions employers/plan sponsors are asking about Medicare coverage.

Webinar

Brown & Brown Employer Health and Benefits Strategy Survey, 2025 - Results Review

The results are in! Watch as we review the key strategic findings from the inaugural Brown & Brown Employer Health and Benefits Strategy Survey 2025.

Podcast

Benefits Audits: Fiduciary Oversight, Claims Accuracy, and Hidden Opportunities

Vanessa, Jared & Adam are joined by Tammy Miller, Executive VP of Auditing at Brown & Brown. Tammy breaks down the essentials of healthcare and pharmacy audits—why they matter, how they’re conducted and what employers often overlook.

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.

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!

Webinar

The Patient Will See You Now: How Primary Care is Being Revolutionized

Employers, providers and patients are demanding more personalized, proactive and accessible healthcare solutions. This webinar brings together industry leaders from three innovative companies who are redefining how primary care is delivered.

Whitepaper

Preventing Slips and Trips in the Workplace

Slips and trips are among the most common causes of workplace injuries, accounting for a substantial portion of lost workdays, compensation costs and liability claims. Of the over 25 million non-fatal, preventable injuries reported in the United States during 2023, nine million are attributed to falls. That’s over 24,000 each day. Falls were the second-leading cause of death from preventable injury in 2023, ahead of motor vehicle accidents. Individuals over the age of 60 were the most susceptible to accidental death by falls.

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

Cyber and D&O Risk: The Dual Boardroom Threat

Cyber risk has emerged as one of the most critical challenges for corporations, setting it apart from more traditional property and casualty risks. Unlike physical losses from fires or natural disasters, a cyber event can represent more than just a financial loss to a balance sheet. These events often expose vulnerabilities in a firm’s governance and risk management capabilities, making them an essential test of leadership for directors and officers (D&Os).

Whitepaper

Balancing Act: The Benefits and Challenges of DEI in the Workplace

Diversity, equity and inclusion (“DEI”) in the workplace has become a complex and nuanced subject. Recent executive orders issued by the Trump Administration have emphasized the illegality of making employment decisions based on protected classes. While implementing DEI initiatives is not prohibited, it can present significant risks for companies. Organizations are increasingly facing repercussions for either adopting or discontinuing their DEI programs. In this whitepaper, we will examine the current legal landscape, explore how DEI initiatives are being implemented and provide guidance for companies to consider how to effectively navigate these evolving challenges.

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

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!

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!

Podcast

Navigating the Absence Market, PFML, and the Employee Experience

The team welcomes Melanie Payton, National Practice Leader for the Brown & Brown Absence team. In this insightful podcast episode, we delve into the current state of the market, highlighting the significant impact of absence costs, which now surpass medical expenses, and the evolving regulatory climate driven by generational shifts in employee expectations.

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).

Podcast

People Analytics and Thriving in '25: 2025 Employee Benefits Market Trends (Part 3 of 3)

Vanessa, Jared & Adam are joined by Julie Turpin, Chief People Officer of Brown & Brown to discuss the latest trends in People Analytics and how they are shaping the future of HR. Julie highlights the importance of collecting, analyzing and applying data related to employees to improve business outcomes.

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.

Webinar

End of the Outbreak Period and a Refresher on Wellness Programs

This webinar provides helpful information on many of the rules surrounding health & welfare benefit plans that preceded the National Emergency. The webinar also includes information on the current state of wellness programs as it relates to employees returning to the workplace.

Webinar

Status Changes and Special Enrollments

This webinar discusses the events identified in regulations that may allow employees to make mid-year health plan election changes, including some procedural issues that arise when handling employee requests.

Podcast

Women’s Health in the Workplace: Menopause, Medicine, and the Path Forward

Benefits Breakdown is joined by Brown & Brown teammates Gina Julian, Amy Suss, and Lindsey Ladell for a candid conversation on women’s health with a focus on menopause and perimenopause in the workplace.

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.

Podcast

Transformative Therapies and PBM Trends in 2025: 2025 Employee Benefits Market Trends (Part 2 of 3)

Vanessa, Jared & Adam are joined by Katy Wong, National Pharmacy Leader for Brown & Brown, to discuss the latest trends in transformative therapies and pharmacy benefit management (PBM).

Podcast

2025 Employee Benefits Market Trends (Part 1 of 3)

Vanessa, Jared & Adam highlight the latest trends impacting employers, such as rising healthcare expenses and the importance of personalized benefits. The team delves into the primary elements driving employer costs, including increased utilization of services.

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

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!

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

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.

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

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

Workers’ Compensation: Reducing Expenses in Hospitality

Did you miss our live session? The recording of our webinar on reducing workers' compensation claims in the hospitality industry is now available. Learn actionable strategies to enhance workplace safety and cut costs. Watch the recording here!

Webinar

Mental Health Parity and Addiction Equity Act (MHPAEA) - The Basics and Final Rule

In September 2024, the Departments published final rules titled "Requirements Related to the Mental Health Parity and Addiction Equity Act (MHPAEA)." These rules specifically relate to the requirements surrounding Non-Quantitative Treatment Limitations (NQTLs), including the comparative analysis requirement established under the Consolidated Appropriations Act, 2021 (CAA, 2021).

Webinar

ACA Reporting – Are You Ready?

ACA reporting that occurs in 2025 for the 2024 calendar year is just around the corner. Watch as we review the ACA reporting requirements (Forms 1094-B, 1095-B, 1094-C and 1095-C) for the 2024 calendar year.

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.

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.

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.

Webinar

Compliance Considerations for Fringe Benefits

During this one-hour refresher, the Regulatory and Legislative Strategy Group review considerations and addresses commonly asked questions related to benefits such as life and disability plans, commuter benefits and lifestyle spending accounts (LSAs).

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

Medicare Fraud

There are several ways you can prevent Medicare fraud.

Guidelines

Medicare Open Enrollment

Medicare annual open enrollment information.

Webinar

To COE or Not To COE – Is That the MSK Question?

What happens when preventive or non-surgical musculoskeletal (MSK) measures, such as physical therapy, don’t solve the problem? This webinar features specialists addressing the many factors employers should understand about recurrent MSK pain, injuries, and unnecessary surgeries and imaging.

Webinar

HIPAA Privacy and Security Overview

This webinar helps clarify which HIPAA requirements apply to different types of employer-sponsored benefits. The webinar also provides helpful tips regarding how to complete the administrative tasks required under the HIPAA privacy and security rules.

Webinar

Virtually Speaking: Emerging Employer Strategies & MSK

This roundtable-format webinar focuses on emerging solutions for musculoskeletal (MSK) well-being, including virtual physical therapy. The speakers also discuss how these solutions address barriers to MSK care, particularly cost and access.

Webinar

A Foundational Approach to Musculoskeletal Health

Two industry specialists lead a conversation about how employers can create a comprehensive strategy to support their workforce’s musculoskeletal (MSK) health. They discuss how MSK conditions happen, current treatment options and the other conditions that tend to co-occur, such as diabetes, obesity, cancer and behavioral health.

Whitepaper

Manufacturing Giant Faces Cyberattack: OT Impacts and Considerations

In today’s digital age, even industry giants are vulnerable to cyberattacks. In 2023, a major household goods manufacturer faced a cybersecurity incident that disrupted operations, highlighting the critical need for robust digital infrastructure protection, especially within manufacturing and operational technology (OT) systems.

Whitepaper

Defending Your Business Against Deepfake Fraud

Deepfakes on social media platforms and those using email addresses and simulating voices are becoming increasingly common. For example, over $25 million was stolen from a large company in Hong Kong after an employee used deepfake simulations of their CFO and colleagues to receive payment information over Zoom. This use of a deepfake indicates a rise in technology and AI aiding in fraud attacks.

Webinar

Workers’ Compensation: State of the Market, Claims and Emerging Use of Artificial Intelligence

Watch the webinar for a robust discussion addressing important issues and trends in the Workers’ Compensation marketplace.

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.

Webinar

A Continuing Conversation About COBRA

This webinar presents an overview of the requirements imposed on plan sponsors under COBRA and addresses common issues employers may face when fulfilling their obligations under the statute.

Whitepaper

A Look Back at the MGM And Caesars Incident

The MGM Resorts International and Caesars Entertainment cyberattacks in September 2023 serve as a cautionary tale for those in the cyber world.

Webinar

Cyber and Data Security: Claims, Coverage and Marketplace Trends

Watch our recorded webinar for a robust discussion addressing important issues and trends in the Cyber and Data Security marketplace.

Whitepaper

Brown & Brown's CyberSelect Healthcare: A Different Level of Cyber Protection

As novel risks continue to arise in the healthcare industry, insureds look to extend coverage to help avoid unforeseen challenges in the event of a cyber incident.

Whitepaper

Evolving Privacy Exposures: Web Tracking Pixels

Website tracking technologies have become the center of attention in privacy litigation, as the plaintiffs’ bar capitalizes on various privacy statutes and tort laws to file class actions, which have often resulted in significant multi-million-dollar settlements.

Webinar

Mental Health Parity and Addiction Equity Act Basics

Navigating mental health parity requirements is an important aspect of managing group health plan compliance responsibilities, and employers face challenges adhering to those requirements as reflected in the Mental Health Parity and Addiction Equity Act (MHPAEA).

Webinar

Medicare Eligibility Services

The webinar allows viewers to understand how Original Medicare operates, explore common supplemental coverage options, debunk common misconceptions, understand the enrollment process and much more.

Whitepaper

Gene and Cell Therapy

Brown & Brown Inc. has continued to monitor this evolving landscape and identified many solutions available to employers. The table below includes the programs that have been identified. The information included is current as of mid-2024 and we will continue to monitor as the pipeline grows and evolves.

Webinar

Crime Policies: Beyond Employee Theft - Coverage and Claims

Watch our webinar for a robust discussion addressing important issues and trends involving Crime Policies.

Webinar

The ACA’s Employer Mandate and Look-Back Measurement Method

Since ALEs must comply with the reporting obligation for the 2023 calendar year in the first quarter of 2024, now is a good time for employers to reacquaint themselves with the ins and outs of the rules under the Employer Shared Responsibility provisions.

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.

Whitepaper

SEC Cybersecurity Rule: A Closer Look

New SEC rules released on July 26, 2023, require publicly listed companies to disclose material cybersecurity incidents they experience, and the material information regarding their cybersecurity risk management, strategy and governance annually.

Guidelines

Wildfire Safety & Evacuation Action Guidelines

This action checklist outlines practical steps homeowners can take to prepare for evacuation, protect their property when time allows, and return home safely after a wildfire.

Webinar

2023 Health and Welfare Plan Compliance FAQs

Watch as we discuss some of the most frequent questions the Brown & Brown Regulatory and Legislative Strategy team received in 2023 related to benefit plan compliance requirements.

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.

Whitepaper

SEC Issues New Cyber Rules: How Do They Impact Your Company?

On July 26, 2023, the Securities and Exchange Commission (SEC) voted to approve new cybersecurity incident disclosure rules. The new rules require all public companies to disclose specific information regarding cybersecurity incidents and details of their cyber risk management, strategy and governance to the SEC.

Webinar

ERISA Plan Documents and SPDs

Two of the most basic requirements imposed by ERISA are that the plan has a written plan document and a Summary Plan Description (SPD). Complying with these requirements can, in some cases, pose challenges for plan sponsors and plan administrators.

Whitepaper

Biometric Privacy: Risks, Trends and Mitigation

You can now buy a cup of coffee simply by scanning the palm of your hand. Fingerprints secure our bank accounts. Facial recognition saves us time at the airport. These conveniences all employ forms of biometric technology and promise to streamline our day-to-day tasks. Yet, for many Americans, biometric technology is among the most significant areas of concern when asked about data privacy.

Webinar

Human-Centered Strategy that Supports the Metabolic Health of Your People

Watch our webinar for an enlightening discussion about pragmatic steps an employer can take, from nutrition therapy coverage, work policies, workplace environment, culture and much more, to support the holistic metabolic health of their employees.

Webinar

The Hidden Intricacies of Benefit Notices

Join us as we break down the who, what, when, where and how of the federal employee benefit notice requirements for health and welfare plans.

Whitepaper

Artificial Intelligence, Hiring Practices & EPLI

Artificial intelligence (AI) has an increasing presence in the workplace as technology continues to evolve, offering new methods to ease administrative burdens for employers. Employers now have a wide variety of data-driven decision-making tools to assist them in making employment decisions, such as recruitment, hiring, promotions and dismissals.

Webinar

Medicare and Health Plans

Watch our recorded webinar where we explore the interaction between group health plans and Medicare and answer many of the questions employers/plan sponsors are asking about Medicare coverage.

Whitepaper

MOVEit and More Critical Vulnerabilities

The scope of a supply chain attack could be significant. A single attack vector, such as a critical vulnerability exposure on a server, can compromise an entire customer base hosted on or interacting with that server. For insurance carriers, the consequences of exposure to such a widespread vulnerability could be fatal.

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