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			<title>Employers receiving medical loss ratio (MLR) rebates must proceed cautiously</title>
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			<guid><![CDATA[https://setnorbyer.com/making-the-most-out-of-cybersecurity-awareness-month/]]></guid>
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			<pubDate><![CDATA[Wed, 24 Sep 2025 14:21:05 +0000]]></pubDate>
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			<title>Cyber survey reveals gains and gaps in corporate cybersecurity measures</title>
			<pubDate><![CDATA[Wed, 22 Oct 2025 16:08:08 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/florida-approves-6-9-workers-compensation-rate-decrease-for-2026/]]></guid>
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			<title>Global insured catastrophe losses reach $100B during first half of 2025</title>
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			<guid><![CDATA[https://setnorbyer.com/insuring-ai-related-risks/]]></guid>
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			<title>Insuring AI-related risks</title>
			<pubDate><![CDATA[Wed, 13 Aug 2025 20:51:53 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/global-cat-losses-top-100b-for-6th-consecutive-year-despite-uncharacteristic-lack-of-major-events-in-q3/]]></guid>
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			<pubDate><![CDATA[Wed, 05 Nov 2025 20:50:55 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/the-benefits-of-travel-insurance-for-holiday-travelers/]]></guid>
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			<pubDate><![CDATA[Wed, 03 Dec 2025 16:58:36 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/acas-affordability-threshold-increasing-by-nearly-1-percent-in-2026/]]></guid>
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			<title>ACA’s affordability threshold increasing by nearly 1 percent in 2026</title>
			<pubDate><![CDATA[Tue, 29 Jul 2025 17:07:21 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/how-does-the-new-no-tax-on-tips-law-work/]]></guid>
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			<pubDate><![CDATA[Tue, 26 Aug 2025 22:13:04 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/ncci-recommends-6-9-florida-workers-compensation-rate-decrease-in-2026/]]></guid>
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			<pubDate><![CDATA[Tue, 09 Sep 2025 21:46:45 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/every-business-should-implement-a-mandatory-multi-factor-authentication-policy/]]></guid>
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			<pubDate><![CDATA[Tue, 07 Oct 2025 22:32:02 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/firework-safety-tips-for-a-happy-and-safe-july-4th-celebration/]]></guid>
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			<guid><![CDATA[https://setnorbyer.com/insurance-101-the-importance-of-business-interruption-insurance-coverage/]]></guid>
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			<pubDate><![CDATA[Wed, 18 Jun 2025 15:38:07 +0000]]></pubDate>
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			<pubDate><![CDATA[Thu, 05 Jun 2025 17:19:48 +0000]]></pubDate>
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			<pubDate><![CDATA[Wed, 27 Mar 2024 16:18:11 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/eeoc-publishes-final-rule-on-pregnant-workers-fairness-act/]]></guid>
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			<pubDate><![CDATA[Wed, 24 Apr 2024 19:40:28 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/broward-countys-new-flood-zone-maps-will-require-thousands-to-purchase-new-flood-insurance-policies-beginning-july-31-2024/]]></guid>
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			<title>Broward County’s new flood zone maps will require thousands to purchase new flood insurance policies beginning July 31, 2024</title>
			<pubDate><![CDATA[Wed, 22 May 2024 19:50:39 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/new-ai-specific-insurance-exclusions-underscore-risks-associated-with-generative-artificial-intelligence/]]></guid>
			<link><![CDATA[https://setnorbyer.com/new-ai-specific-insurance-exclusions-underscore-risks-associated-with-generative-artificial-intelligence/]]></link>
			<title>New AI-specific insurance exclusions underscore risks associated with generative artificial intelligence</title>
			<pubDate><![CDATA[Thu, 18 Dec 2025 18:29:01 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/challenging-homeowners-insurance-market-expected-to-continue-in-2024/]]></guid>
			<link><![CDATA[https://setnorbyer.com/challenging-homeowners-insurance-market-expected-to-continue-in-2024/]]></link>
			<title>Challenging homeowners’ insurance market expected to continue in 2024</title>
			<pubDate><![CDATA[Wed, 28 Feb 2024 15:29:45 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/beware-of-tax-related-identity-theft-and-fraud/]]></guid>
			<link><![CDATA[https://setnorbyer.com/beware-of-tax-related-identity-theft-and-fraud/]]></link>
			<title>Beware of tax-related identity theft and fraud</title>
			<pubDate><![CDATA[Wed, 11 Feb 2026 17:15:11 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/active-shooter-awareness-and-response-training/]]></guid>
			<link><![CDATA[https://setnorbyer.com/active-shooter-awareness-and-response-training/]]></link>
			<title>Active Shooter Awareness and Response Training</title>
			<pubDate><![CDATA[Wed, 22 Jan 2025 21:50:24 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/federal-court-blocks-rule-that-raised-minimum-salary-threshold-for-flsas-overtime-exemptions/]]></guid>
			<link><![CDATA[https://setnorbyer.com/federal-court-blocks-rule-that-raised-minimum-salary-threshold-for-flsas-overtime-exemptions/]]></link>
			<title>Federal court blocks rule that raised minimum salary threshold for FLSA’s overtime exemptions</title>
			<pubDate><![CDATA[Wed, 11 Dec 2024 17:47:29 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/colorado-states-initial-forecast-predicts-more-hurricanes-in-2024-than-ever-predicted-before/]]></guid>
			<link><![CDATA[https://setnorbyer.com/colorado-states-initial-forecast-predicts-more-hurricanes-in-2024-than-ever-predicted-before/]]></link>
			<title>Colorado State’s initial forecast predicts more hurricanes in 2024 than ever predicted before</title>
			<pubDate><![CDATA[Wed, 10 Apr 2024 20:36:35 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/dol-issues-final-rule-raising-minimum-salary-threshold-for-flsas-white-collar-exemptions/]]></guid>
			<link><![CDATA[https://setnorbyer.com/dol-issues-final-rule-raising-minimum-salary-threshold-for-flsas-white-collar-exemptions/]]></link>
			<title>DOL issues final rule raising minimum salary threshold for FLSA’s “white collar” exemptions</title>
			<pubDate><![CDATA[Wed, 08 May 2024 19:11:44 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/dol-issues-final-rule-for-determining-independent-contractor-status/]]></guid>
			<link><![CDATA[https://setnorbyer.com/dol-issues-final-rule-for-determining-independent-contractor-status/]]></link>
			<title>DOL issues final rule for determining independent contractor status</title>
			<pubDate><![CDATA[Wed, 31 Jan 2024 15:16:45 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/the-volunteer-protection-act-protects-volunteers-not-nonprofit-organizations/]]></guid>
			<link><![CDATA[https://setnorbyer.com/the-volunteer-protection-act-protects-volunteers-not-nonprofit-organizations/]]></link>
			<title>The Volunteer Protection Act protects volunteers, not nonprofit organizations</title>
			<pubDate><![CDATA[Wed, 05 Mar 2025 19:50:21 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/navigating-multi-state-workers-compensation-coverage-avoiding-costly-gaps/]]></guid>
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			<title>Navigating Multi-State Workers’ Compensation Coverage: Avoiding Costly Gaps</title>
			<pubDate><![CDATA[Tue, 11 Feb 2025 17:04:13 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/noaa-is-forecasting-more-named-storms-and-hurricanes-in-2024-than-ever-before/]]></guid>
			<link><![CDATA[https://setnorbyer.com/noaa-is-forecasting-more-named-storms-and-hurricanes-in-2024-than-ever-before/]]></link>
			<title>NOAA is forecasting more named storms and hurricanes in 2024 than ever before</title>
			<pubDate><![CDATA[Tue, 04 Jun 2024 18:56:49 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/noaa-predicts-above-normal-2025-atlantic-hurricane-season/]]></guid>
			<link><![CDATA[https://setnorbyer.com/noaa-predicts-above-normal-2025-atlantic-hurricane-season/]]></link>
			<title>NOAA predicts above-normal storm activity for 2025 Atlantic hurricane season</title>
			<pubDate><![CDATA[Thu, 22 May 2025 18:34:40 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/training-for-florida-condominium-board-members-is-now-mandatory/]]></guid>
			<link><![CDATA[https://setnorbyer.com/training-for-florida-condominium-board-members-is-now-mandatory/]]></link>
			<title>Training for Florida condominium board members is now mandatory</title>
			<pubDate><![CDATA[Fri, 07 Mar 2025 16:57:57 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/cdc-updates-covid-19-guidance-eliminates-5-day-isolation-period/]]></guid>
			<link><![CDATA[https://setnorbyer.com/cdc-updates-covid-19-guidance-eliminates-5-day-isolation-period/]]></link>
			<title>CDC updates COVID-19 guidance; eliminates 5-day isolation period</title>
			<pubDate><![CDATA[Wed, 13 Mar 2024 16:32:59 +0000]]></pubDate>
		</item>
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			<guid><![CDATA[https://setnorbyer.com/contracting-tips-for-condominium-associations/]]></guid>
			<link><![CDATA[https://setnorbyer.com/contracting-tips-for-condominium-associations/]]></link>
			<title>Contracting tips for condominium associations</title>
			<pubDate><![CDATA[Wed, 25 Oct 2023 14:44:41 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/aca-reporting-and-filing-activity-intensifies-as-deadline-approaches/]]></guid>
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			<title>ACA reporting and filing activity intensifies as deadline approaches</title>
			<pubDate><![CDATA[Wed, 17 Jan 2024 22:29:58 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/pay/]]></guid>
			<link><![CDATA[https://setnorbyer.com/pay/]]></link>
			<title>Pay</title>
			<pubDate><![CDATA[Tue, 29 Oct 2024 20:40:46 +0000]]></pubDate>
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			<pubDate><![CDATA[Wed, 20 Dec 2023 16:04:07 +0000]]></pubDate>
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			<pubDate><![CDATA[Wed, 08 Nov 2023 16:20:06 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/avoiding-the-office-holiday-party-hangover/]]></guid>
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			<pubDate><![CDATA[Wed, 06 Dec 2023 16:14:55 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/using-indemnification-agreements-and-additional-insured-status-to-allocate-risk/]]></guid>
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			<title>Using indemnification agreements and additional insured status to allocate risk</title>
			<pubDate><![CDATA[Wed, 03 Jan 2024 15:44:25 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://setnorbyer.com/safety-tips-for-thanksgiving-and-black-friday/]]></guid>
			<link><![CDATA[https://setnorbyer.com/safety-tips-for-thanksgiving-and-black-friday/]]></link>
			<title>Safety tips for Thanksgiving and Black Friday</title>
			<pubDate><![CDATA[Tue, 21 Nov 2023 14:45:40 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://setnorbyer.com/acas-affordability-threshold-will-be-lower-than-ever-before-in-2024/]]></guid>
			<link><![CDATA[https://setnorbyer.com/acas-affordability-threshold-will-be-lower-than-ever-before-in-2024/]]></link>
			<title>ACA’s affordability threshold will be lower than ever before in 2024</title>
			<pubDate><![CDATA[Tue, 10 Oct 2023 18:32:26 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/2023-shatters-record-for-most-data-compromise-events-in-a-single-year/]]></guid>
			<link><![CDATA[https://setnorbyer.com/2023-shatters-record-for-most-data-compromise-events-in-a-single-year/]]></link>
			<title>2023 shatters record for most data compromise events in a single year</title>
			<pubDate><![CDATA[Thu, 15 Feb 2024 17:36:20 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/disclaimer-privacy-policy/]]></guid>
			<link><![CDATA[https://setnorbyer.com/disclaimer-privacy-policy/]]></link>
			<title>Disclaimer, Accessibility &#038; Privacy Policy</title>
			<pubDate><![CDATA[Mon, 08 Jan 2024 22:23:19 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/ncci-proposes-15-rate-decrease-for-florida-work-comp-insurance-in-2024/]]></guid>
			<link><![CDATA[https://setnorbyer.com/ncci-proposes-15-rate-decrease-for-florida-work-comp-insurance-in-2024/]]></link>
			<title>NCCI proposes 15% rate decrease for Florida workers&#8217; compensation insurance in 2024</title>
			<pubDate><![CDATA[Wed, 13 Sep 2023 15:47:48 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/outlook-on-u-s-homeowners-insurance-market-downgraded-from-stable-to-negative/]]></guid>
			<link><![CDATA[https://setnorbyer.com/outlook-on-u-s-homeowners-insurance-market-downgraded-from-stable-to-negative/]]></link>
			<title>Outlook on U.S. homeowners’ insurance market downgraded from stable to negative</title>
			<pubDate><![CDATA[Thu, 28 Sep 2023 22:14:57 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/florida-governor-signs-comprehensive-condominium-bill-into-law/]]></guid>
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			<title>Florida Governor signs comprehensive condominium bill into law</title>
			<pubDate><![CDATA[Thu, 20 Jun 2024 20:53:21 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/things-to-consider-when-using-indemnification-agreements-to-allocate-risk/]]></guid>
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			<title>Using indemnification agreements to allocate risk</title>
			<pubDate><![CDATA[Fri, 02 Jan 2026 21:29:00 +0000]]></pubDate>
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			<guid><![CDATA[https://setnorbyer.com/specialty-car/]]></guid>
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			<title>Specialty Car</title>
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			<title>Document Library</title>
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