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.”
Insurance
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 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.
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.
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?
For brokers handling group benefits, open enrollment is the 60 days that defines your year.