It’s one of the most common questions high-net-worth individuals (HNW) ask their insurance advisor, and there’s no single number that applies to everyone. The answer depends on two key variables that must be evaluated together: How much of your wealth is protected from creditors? How many risk factors your lifestyle…

As private equity (PE) firms scale benefits, technology, procurement, and shared services to create efficiencies across their portfolios, insurance is often the one piece left behind. Many firms still manage insurance company by company, creating a patchwork of brokers, carriers, and policy forms. The result? Inconsistent coverage, missed pricing leverage,…

Employee benefits costs are rising at a rate not seen in over a decade, with increases common in the 12% to 20% range for many businesses. Regardless of industry or size, the impact of employee benefits on your bottom line is now impossible to ignore. Three areas are responsible for…

Josh Herz After several years of disruption, the insurance market shows signs of stabilization. Although it’s not a broad-based recovery or a simple return to “normal,” in 2026, we’re seeing a selective reset. Certain lines of coverage are improving. Others remain under significant pressure, driven by claim severity, litigation trends…