Our consultancy firm provides resources for protecting people and managing risk, whether as a trusted advisor to top management or as a hands-on coach for front-line employees. No matter the challenge, we focus on delivering results and equipping our clients with the right solutions.
In 2023, employers were forced to confront new and enduring challenges, including rising healthcare costs, regulatory changes, ongoing high inflation, a competitive labor market, and growing employee demands. While many of these difficulties will likely continue through 2024 and beyond, understanding these challenges and likely trends can help employers develop effective and efficient strategies to address them.
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Throughout 2023, the commercial insurance space became an increasingly complex environment. Mirroring other areas of the economy, the sector encountered continued volatility within the past year. Shifting market dynamics, new capacity, and optimal underwriting results in some lines of coverage set the stage for improved conditions and premium deceleration.
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Increasing cyber insurance claim frequency and severity have generated a volatile risk environment in recent years, with most policyholders facing continued premium hikes. Fortunately, the segment experienced underwriting profitability in 2022, allowing conditions to soften during 2023.
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CONSULTING SERVICES
United Benefits offers advisory services for employee benefits and risk management to mitigate healthcare costs and accomplish their desired outcomes. We partner with a leader in the digital insurance market, allowing us to empower our clients to make smarter business decisions throughout the entire lifecycle for better health, wellness, and safety.
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ADMINISTRATION
United Benefits builds responsive, high-value customer service experiences. We partner with you to provide a flexible, user-centered benefits delivery experience that evolves with your company’s needs. Our service model offers expertise that helps us provide administrative best practices. Quality control helps maintain benefits administration compliance and efficiency, and our in-house support team improves response time and removes the frustrations with multiple systems or vendors.
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COMPLIANCE
As the regulatory landscape grows more complex, our services help clients stay up-to-date on changing federal and state legislation and manage regulatory requirements. We provide a single source of compliance resources offering a wide range of content, tools, and applications for risk management.
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COMPLIANCE 2024
2023 presented employers with many new and difficult compliance challenges, including federal and state laws and regulations expanding worker protections, widespread adoption of artificial intelligence (AI) in the workplace, and increased enforcement actions by federal agencies. Employers have had to respond as courts and federal agencies addressed several hot-button issues. In addition to these novel and growing compliance challenges, employers have also had to navigate record-high inflation, economic slowdown, and an unusually resilient labor market.
For many employers, these challenges made it more difficult to prioritize compliance or establish successful mitigation strategies because they lacked sufficient time, proper resources, or trained personnel. Entering 2024, employers will continue to face the challenge of responding to new legal requirements and increased enforcement efforts.
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HR INSIGHTS
In today’s market, HR professionals must adapt to the changing expectations of organizations and employees amid challenging economic conditions. We highlight six HR trends to follow in 2024 to aid HR professionals in meeting organizations’ and employees’ demands and desires.
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CYBERSECURITY
Studies show the vast majority of U.S. small businesses need a formal internet security policy for employees, and only about half have even rudimentary cyber security measures in place. Despite significant cyber security exposures, 85% of small business owners believe their company is safe from hackers, viruses, malware, or data breaches. This disconnect is largely due to the widespread, albeit mistaken, belief that small businesses are unlikely targets for cyber attacks.
A data breach could cripple your small business, costing you thousands or millions of dollars in lost sales and/or damages. We have the tools necessary to ensure you have the proper coverage to protect your company against losses from cyber attacks. Please feel free to contact us today to for additional cyber risk management guidance and insurance solutions.
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MALWARE
Ransomware is a form of malware that locks users out of their files or devices and then demands payment to restore access. Ransomware attackers hit businesses, organizations, and individuals alike. As cyber incidents become more prevalent, organizations must bolster their security posture. Doing so helps organizations prevent such incidents and allows them to secure adequate cyber insurance. Our guide provides businesses with more information to mitigate ransomware exposures.
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IDENTITY PROTECTION
Every year, millions of people become victims of identity theft. When cybercriminals strike, knowing what to do or where to turn is hard. Rather than leaving security up to chance, you can proactively arm yourself against cybercrimes and reputation hijacking with IDShields™ services.
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