ERISA quick check for plan sponsors: Form 5500 due July 31 (calendar-year plans). SPDs to new hires within 90 days. Fidelity bond at 10% of plan assets — when did you last resize it? RMDs now start at 73, not 72. Full 2026 checklist below.
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Catering insurance in 2026: $600-$1,500/yr solo, $3,000-$8,000 full service. GL with foodborne illness coverage, liquor liability, auto, equipment in transit, workers comp. Full cost breakdown by operation size.
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Baseball is the only sport where failing 70 percent of the time can still make you great.
The same is true in business.
One season of watching my boys play taught me more about the long game than any book I've read this year.
Bundling home auto insurance saves 5-25%.
But there are 6 situations where bundling is the WRONG move, and most agents won't tell you which one applies to you.
Independent broker breakdown:
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A $300K auto liability limit isn't enough for a serious at-fault accident.
Personal umbrella adds $1M to $5M of excess liability above your auto and home for ~$200 to $400/year per $1M.
Full breakdown linked in comments.
Quick insurance audit:
Ask your agent how many carriers they can quote you with.
→ One? You have a captive agent.
→ Five or more? You have an independent agent.
Both can work. But if your coverage has not been re-shopped in two years, you are a...
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Cyber insurance for contractors in 2026:
Small (under $2M): $900-$1,800/yr
Mid-size GC ($2M-$10M): $1,500-$3,000/yr
Specialty trades: $1,000-$2,500/yr
Average wire fraud loss = $185K
Most crime policies DON'T cover social engineering
Full guide ↓
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