5 Strategies for Reducing Health Benefits Costs in 2021
Health benefits costs are almost certainly going to rise in 2021. They’ve been trending upward for years—over 50% in the last decade, according to the Kaiser Family Foundation—and the current state of economic uncertainty over COVID-19 won’t slow things down. Realistically, after enduring months of business closures and managing exhausted workforces, many employers will be […]
How Can I Save Money on My Business Insurance?
Let’s face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your home (without breaking the bank) or your business insurance package – quality and price are important. So you may be wondering, how can I keep my insurance premiums […]
COVID-19 Updates and Agency Accessibility
Coronavirus Updates – Office Closures and Accessibility COVID-19 is presenting historic challenges for all citizens of the world and we are here ready to help. While executive actions have been taken to reduce the spread of the virus, we understand that this has directly impacted the individuals and businesses who have placed their trust in […]
The Dangers of Misclassifying Employees on Workers Compensation
One of the most common workers’ compensation premium fraud schemes occur when business owners intentionally misclassify their employees as independent contractors or subcontractors. This is typically done to reduce not only their insurance premiums but also reduces or eliminates employee expenses such as: Workers Compensation Taxes (Social Security, Medicare, Federal & State unemployment, etc) Employee […]
What is Cyber Liability?
Updated January 2026 Does your business have a cyber exposure? YES! Let’s jump right to the point; every business has a need for Cyber Liability. More than ever, we are seeing these cybercriminals targeting small businesses. Although you may think of the big companies such as Sony, Target or Home Depot in recent years, it is […]
Who’s the Boss After a Loss?
Updated January 2026 At Spire Insurance Solutions, our job is simple: when a covered loss occurs, we work to make sure it’s handled fairly and efficiently. That’s why individuals, families, and business owners invest in insurance — to manage risk and protect their livelihood. Insurance is a conditional contract. In plain terms, this means: if […]
Clarifying New OSHA Record-keeping Requirements: Employers Must Electronically Submit 300A Data
Clarifying New OSHA Record-keeping Requirements: Employers Must Electronically Submit 300A Data Recently, the Trump administration along with OSHA has made the decision to roll back part of their Improve Tracking of Workplace Injuries and Illnesses final rule. With this change, employers no longer need to electronically submit the 300 or 301 forms but must still comply with […]