By Anita Byer Indemnification agreements are commonly used in business transactions to allocate risk. Risk allocation involves identifying who is responsible for what and for how much. In some cases, a contract requires one party to assume the liability of another party. These risk transfers are...
Anita Byer Generative Artificial Intelligence (GAI) is a type of artificial intelligence that creates new content (text, images, audio, video) in response to basic user prompts. Many organizations are now exploring ways to leverage this transformative technology to advance operational and business objectives. But despite its...
Anita Byer The holiday travel season is officially underway. In the coming weeks, tens of millions of people will be gathering at airports, train stations, baggage claims, car rental counters, and toll booths across the land hoping that their best laid plans will endure the chaos...
Anita Byer Florida employers will be paying less for workers’ compensation insurance next year. The Florida Office of Insurance Regulation approved a statewide overall average rate decrease of 6.9 percent for workers’ compensation insurance premiums. It will be the ninth consecutive year with a rate decrease....
Anita Byer A recent report on global natural catastrophe losses revealed that despite an uncharacteristic lack of major events during the third quarter of 2025, insured losses still managed to top $100 billion globally for the sixth consecutive calendar year and the eighth year since 2017....
Anita Byer Before closing the book on this year’s Cybersecurity Awareness Month, it is important for businesses to recognize the expanding scope and severity of cyberattacks and the consequences for failing to implement and maintain adequate cybersecurity measures. According to Aon’s 2025 Global Risk Management Survey,...
Anita Byer Businesses wanting to make the most of Cybersecurity Awareness Month (October) should consider implementing a mandatory multi-factor authentication (MFA) policy for all employees. MFA ranks among the most effective measures that organizations can implement to protect sensitive systems, accounts, and data. In fact, research...
Anita Byer October is Cybersecurity Awareness Month. The purpose of this global initiative, which began in 2003, is to raise awareness about online security and empower individuals and businesses to protect themselves against cyber threats. This year’s theme—Building a Cyber Strong America—highlights the need to strengthen...
Anita Byer Florida employers may be paying less for workers’ compensation insurance next year. The National Council on Compensation Insurance (NCCI) is recommending an average rate level decrease of 6.9 percent for the voluntary market effective January 1, 2026. NCCI, which is authorized to recommend rates...
Anita Byer The One Big Beautiful Bill Act (H.R. 1) is likely to have significant impact on those operating in industries that customarily and regularly involve tipping. The bill’s “no tax on tips” section adds a temporary, retroactive federal income tax deduction for “qualified tips” to...