Financial oversight is one of the most important — and most overlooked — responsibilities a nonprofit board carries.

An audit committee gives that oversight structure: reviewing financial statements, working with external auditors, evaluating internal controls, and reporting back to the full board. Done well, it builds trust with donors and grantors and helps catch issues early.

If your business has vehicles on the road — a service van, a delivery fleet, or even just a few employees driving for work — commercial auto insurance works differently than a personal policy.

It's built around how those vehicles are actually used: who's driving, what's being hauled, and how much exposure your business carries if an accident happens on the job.

Most cyberattacks on small and midsize businesses aren't sophisticated — they exploit ordinary gaps.

Here are five signs worth a second look: where your data lives, how recently your team was trained on phishing, how much access vendors have, whether you have a tested incident response plan, and whether your coverage reflects how your business actually operates today.

What does a commercial office inspection actually look for?

A commercial office inspection typically looks at four things together: life safety systems (sprinklers, alarms, exit signage), structural and electrical maintenance, housekeeping and exit clearance, and security and access control. Gaps in any one of these can affect both day-to-day safety and how a property claim is handled.

Longer timelines. Rising material costs. Weather that doesn't play by the old rules. Every shift changes what your builder's risk policy actually needs to cover — and coverage that made sense at the last renewal can quietly fall behind the pace of the project.

We work with contractors and developers across Alabama to make sure builder's risk insurance keeps up with how projects actually run today, not how they ran when the policy was written.

Healthcare costs are projected to rise by 9% in 2027—the highest increase in 17 years.

From surging pharmacy costs and increased behavioral health utilization to inflation, provider consolidation and AI-powered revenue capture, several factors are putting greater pressure on employer-sponsored health plans.

The good news? A cost trend is a planning signal, not a guarantee. By reviewing your plan early and identifying your organization’s biggest cost drivers, you can make more informed decisions before renewal.

Your first open enrollment period doesn't have to feel like a pop quiz.

Between premiums, deductibles, and a deadline that always seems to sneak up — it's a lot to sort through, especially the first time around. We put together a plain-language guide to help first-time enrollees understand the basics of employee benefits enrollment, what your options actually mean, and how to make a confident choice before the window closes.

No jargon. No pressure. Just the basics, explained.

Your home is more than four walls—and protecting it takes more than a one-size-fits-all policy.

Homeowners insurance can help protect your property, belongings and personal liability when the unexpected happens. But coverage needs can change after renovations, major purchases and other life updates.

Falls remain one of the most serious hazards on a construction site. A written fall protection plan helps your team identify risks, establish safety procedures and know exactly how to respond before work begins.

Your plan should address:

• Fall hazards specific to each jobsite

• Proper equipment and inspection procedures

• Employee training and responsibilities

• Rescue and emergency response protocols

• Ongoing documentation and plan updates

Registering for a USDOT Number

 Employers are required to register their commercial motor vehicles (CMV) with the Federal Motor Carrier Safety Administration (FMCSA) to obtain a United States Department of Transportation (USDOT) number. Vehicles that must register for a USDOT number are those used in interstate commerce and fall into one of the categories below

5 STRATEGIES FOR REDUCING WORKERS COMP COSTS. Organizations that see long-term results focus on strong safety programs, employee training, accident investigations, and continuous improvement.

Construction Risk Insights - 5 Risks of Hiring an Uninsured Contractor. Project owners or general contractors must carefully vet contractors to ensure jobsite safety and financial security. A critical factor in this selection process is verifying that contractors carry adequate insurance. Hiring uninsured contractors can expose a project to significant risks, including safety hazards, liability issues and potential financial losses.

Cyber threats aren't just a concern for large corporations. Businesses of all sizes face risks ranging from phishing attacks and ransomware to data breaches and system outages.

The right cyber liability coverage can help protect your business from the financial and operational impact of a cyber event.

Download our free Cyber Liability Guide to learn more about today's cyber risks and how to better protect your organization.

Workers' compensation compliance is about more than carrying coverage. It's about understanding your responsibilities as an employer and having the right processes in place when workplace injuries occur.

From coverage requirements and injury reporting to recordkeeping and employee benefits, Alabama employers face a number of obligations that can impact both their workforce and their bottom line.

Download our free Alabama Workers' Compensation Employer Responsibilities Guide to learn what your business needs to know.

Generation Z is rapidly becoming one of the largest segments of the workforce, and employers who understand what motivates this generation will have a competitive advantage in attracting and retaining top talent.

From workplace culture and career development to communication preferences and benefits expectations, Gen Z is reshaping the future of work.

Download our free Gen Z Workforce Toolkit to learn practical strategies for recruiting, engaging, and retaining the next generation of employees.

Spring is the perfect time to refresh more than your home. It’s also a great time to review your benefits.

From checking your deductible and out-of-pocket maximum to scheduling preventive care, reviewing dental and vision coverage, and checking your HSA or FSA balance, a quick benefits check-in can help you get more value from your coverage all year long.

Have questions about your benefits? Reach out to your HR team or benefits administrator for guidance.

Read the full article to learn 5 tips for maximizing your benefits this spring.

Multifactor authentication, or MFA, adds an extra layer of security by requiring another form of verification before access is granted. That extra step can help protect employees, sensitive information, and business systems from unauthorized access.

With stolen credentials remaining a major cybersecurity threat, MFA is one of the simplest ways to strengthen your defense.

Read the full article to learn why MFA matters and how it can help protect your workplace accounts.

Compliance mistakes can be costly, especially for small businesses.

This HR Toolkit helps small businesses understand their compliance obligations, improve their compliance efforts and avoid potential violations.

It provides valuable insights into enhancing small businesses' strategies for establishing and maintaining compliance practices, examining common federal labor and employment laws that small businesses must comply with and offering several valuable compliance-related resources.

Employee retention isn’t just an HR metric. It’s a reflection of the workplace experience you’re building every day.

From turnover trends and employee engagement to practical strategies that support retention, this HR Toolkit breaks down what organizations should know about keeping great people and creating a workplace where teams can thrive.

Insurance Considerations for Financial Planning Firms. Financial planning firms consist of licensed professionals who offer guidance on investments, estate planning, mortgages, insurance coverage, taxes and retirement funding to help clients better manage their finances. These firms may specialize in certain types of financial planning, such as risk management, or provide services spanning several categories.