A desk reference for the questions landing on every broker’s desk this quarter, from “why didn’t my umbrella come down” to “is the FSA limit final yet.”
Outsourcing
Employers are heading into the steepest benefit cost increase in two decades, and many will shift more cost to employees. Before anyone raises contributions, run them against the new 10.22% line.
Lower rates are good news for clients. For agencies, they mean more submissions, more quotes, and smaller commission checks on the same accounts. Here’s the arithmetic, and what to do about it.
Q4 volume spike + holiday PTO = the most strained 8 weeks of the year. Here’s how the operators who finish strong bridge the gap without burning the team out.
Q4 was always heavy. This year, clients also expect every property account shopped and every benefits renewal benchmarked. Map the next 90 days before they map you.
Your debtors don’t all operate on your clock. Here’s how follow-the-sun BPO coverage keeps factoring verification and collections moving around it.
Ten practical answers on hurricane claims readiness, Q4 renewal negotiation, and 2027 open enrollment deadlines — the questions brokers are actually asking this month.
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.
Portfolio growth shouldn’t mean headcount growth. Here’s how factoring operators scale their back office without adding staff for every new client