Ten practical answers on hurricane claims readiness, Q4 renewal negotiation, and 2027 open enrollment deadlines — the questions brokers are actually asking this month.
Blog
The IRS confirmed 2027 HSA and HDHP numbers in May — but the FSA limit is still pending. Here’s what to update now and what to hold until fall.
Commercial P&C premiums just dropped for the first time in nine years. Here’s how to renegotiate — not just remarket — Q4 2026 renewals, line by line.
A below-normal Atlantic forecast doesn’t mean a quiet renewal season. Here’s the carrier moratorium, NFIP flood gap, and claims-readiness checklist brokers need to run with coastal clients before October.
What is the 2026 hurricane season forecast?
How should brokers talk to clients about hurricane coverage in August?
There is a quiet hour in most factoring shops. It is 9pm Eastern, and the West Coast offices are closed. The East Coast is long since logged off. The principal is home with the family. The next morning is going to be loud.
For brokers handling group benefits, open enrollment is the 60 days that defines your year.
When a factoring operator says “I know what my back office costs,” they are usually quoting salaries. Loaded salary, sometimes, plus benefits, sometimes a line for software. Then the number they arrive at is dramatically lower than what the back office actually costs the fund to run.
Every year, the bar for what counts as an acceptable factoring audit trail moves up. Not because auditors are getting pickier for sport, but because the deals, the structures, and the regulatory environment are getting more complex. If you are running a fund in 2026, “we have the documents” is no longer the answer that satisfies a reviewer.
Most brokers treat August as a wind-down month. The vacation calendar is half-empty, the phones are quieter, and the team is mentally already in Q4.