June 10, 2026
Staying Safe on the Roads: Creating a Culture of Care, On and Off the Job
June is National Safety Month—a time to take a step back and think about what it really means to be safe. Not just within the four walls of a jobsite or office, but beyond that too...
June 5, 2026
Hurricane Preparedness: Managing Your Risk
A NOAA satellite view of Hurricane Erin off the U.S. East Coast taken August 20, 2025. (Image credit: NOAA Satellites) Each year hurricane season lasts from June through Novembe...
May 19, 2026
Mental Health Awareness Month: What the Data Tells Us—and What Employers Can Do
May is Mental Health Awareness Month, an important reminder that mental health impacts every workplace—employee wellbeing, engagement, and safety performance included. In Safety, w...
May 5, 2026
Can “Non-Combustible” Construction Be Your Source of Long-Term Savings?
Developers and builders looking to find cost efficiencies for their projects should consider the merits of building with “non-combustible” materials. Materials, like brick, masonr...
April 7, 2026
Strengthening Healthcare Cyber Resilience with HHS’s Updated RISC Toolkit
As cyberattacks on healthcare organizations continue to escalate—particularly ransomware and supply-chain incidents—regulators are sharpening their focus on resiliency. One of th...
December 1, 2025
Stay Cyber Safe this Season: Avoid These Common Holiday Shopping Scams
‘Tis the season! Time to exchange holiday greetings, get your decorations up, and perhaps most importantly, time to hunker down with your laptop and do your holiday shop...
November 14, 2025
The WA Cares Act and the Future of Long-Term Care Insurance
With over 70% of Americans over the age of 65 requiring long-term care (Caregiver Resources & Long-Term Care, 2022), it’s no wonder that long-term care insurance is ...
November 4, 2025
No Matter Your Age, Consider Long-Term Care Coverage
For many people, November isn’t just about turkey and the gradually increasing prevalence of holiday music and decorations. It’s also typically the period most employers and ...
October 14, 2025
AI is Everywhere: Understand the Risks
On the surface, what could be more exciting than Artificial Intelligence (AI)? AI is being widely adopted, both in the workplace and in people’s personal lives. A recent stud...
June 2, 2025
National Safety Month: Why Roadway Safety Is Everyone’s Business
Creating a Culture of Care, On and Off the Job June is National Safety Month—a time to take a step back and think about what it really means to be safe. Not just ...
May 30, 2025
Be Proactive: Enhance Your Hurricane Preparedness for Optimal Risk Mitigation
Image of Hurricane Milton from NOAA's GOES-16 satellite on Oct. 8, 2024. (Image credit: NOAA) Each year hurricane season lasts from June through November. NOAA re...
May 16, 2025
Mental Health Awareness Month: Elevating Mental Health in the Workplace
May is Mental Health Awareness Month, a time for us to reflect on the importance of mental health and the vital role it plays in both our personal and professional lives...
April 11, 2025
Building Resilience: How Contractors Can Navigate Tariff Challenges
Graham Company Client Executive, John Dorsey, recently participated in a timely GBCA webinar focused on navigating the complexities of tariffs. In his discussion, John h...
December 5, 2024
The Pendulum Swings Back: Navigating the Employee Benefits Landscape
The world of employee benefits is once again shifting. For the first time since the onset of COVID-19, the focus has pivoted back to cost containment—a stark contrast to...
December 3, 2024
Family Planning in the Modern Workplace: How Employers Can Enhance Family Planning Benefits to Boost Employee Well-Being
Family Planning Family planning encompasses a broad spectrum of considerations and support systems designed to help individuals and couples navigate the complexit...
November 5, 2024
Stay Cyber Safe: Holiday Shopping Tips for 2024
The holiday season is often referred to as the “Season of Giving,” but with the rise of cybercrime, it’s also becoming the “Season of Giving Away Personal Information.” ...
September 10, 2024
Is Your ‘‘Pay-If-Paid’’ Provision Sufficient As A Surety Defense?
Contractors, and their sureties, regularly rely upon what are called ‘‘pay-if-paid’’ provisions to mitigate financial risk and defend against payment claims. However, i...
September 3, 2024
No One Is Immune: The Critical Importance of Cybersecurity and Vendor Management
In today's digital landscape, the interconnectedness of systems and the reliance on IT and cybersecurity vendors have created an environment where no organization is tru...
June 13, 2024
Preventing Falls in Aging Services: A Comprehensive Approach
Preventing resident falls in aging services settings is a complex challenge, requiring a multifaceted approach tailored to each individual's needs. Falls can lead to sev...
April 23, 2024
Mastering Wire Transfer Security: Best Practices for Protecting Your Organization
In today's digital landscape, electronic payments, such as wire transfers, offer organizations enhanced efficiency and security. However, with these benefits come inhere...
April 23, 2024
The Growing Need For Contractors’ Professional Coverages
In the dynamic world of construction, contractors play a vital role in bringing projects to life. From pre-construction estimating to project management, their expertise...
April 23, 2024
Safeguarding Lives: Strategies to Prevent Choking Risks in Health and Human Services Settings
Choking is a serious and potentially life-threatening issue that demands careful attention, especially in health and human services settings where vulnerable individuals...
April 19, 2024
Safeguarding Vulnerable Individuals: A Comprehensive Approach to Elopement Prevention in Care Facilities
Elopement, the unsupervised departure of individuals with cognitive, physical, mental, emotional, or chemical impairments from caregiving facilities, poses a significant...
April 8, 2024
The Key Bridge Collapse: A Reminder Of The Critical Role For A Total Cost of Risk Analysis
The tragic human and economic impacts of the Baltimore bridge collapse will unfortunately continue to unfold in the weeks ahead. These impacts will reach well beyond Ba...
October 9, 2023
Get Ready: New Gag Clause Attestation Deadline Approaches
It’s time for group health plan sponsors to add another reminder to their calendars before the year’s end, as nearly all plan sponsors (that’s you, employers!) are respo...
October 9, 2023
ACA Affordability Percentage to Hit Lowest Historical Mark in 2024
On Aug. 23, 2023, the IRS issued Revenue Procedure 2023-29 which indexes the contribution percentage to be used for determination of the affordability of an employer’s m...
July 6, 2023
Utilize a Captive for Better and More Cost Effective Employee Benefits
The Medical Stop-Loss Solution Catastrophic medical claims continue to grow in size and number. What was a $1 million claim a few years ago is likely $3 mil...
July 5, 2023
Focus on Providing Care, Not Paying for It with Life-Long Term Care Hybrid
States Move to Fill Care-Coverage Gap as New Policies Offer Solutions Recognizing that caring for a spouse or family member with a debilitating illness or injury ...
June 8, 2023
Canadian Wildfire Smoke Exposure: Protecting Outdoor Workers and Mitigating Health Risks
We’re certainly in an unusual situation given the impact from the Canadian wildfires. Here’s some information you should consider if you have employees working outdoors....
June 5, 2023
IRS Reminder: Without Proper FSA Substantiation, All (Tax-Favored) Bets Are Off
On April 28, 2023, the IRS Office of Chief Counsel issued Memorandum Number 202317020, which serves as “Chief Counsel Advice” concerning the requirement for health and depend...
May 30, 2023
Hurricane Preparedness is Key to Managing Risk: 2023
Each year hurricane season lasts from June through November. NOAA released its 2023 Hurricane Season outlook on May 25th. This year, the NOAA is predicting between 12 and 17 ...
May 18, 2023
IRS Announces Spike in HSA Figures for 2024
On Tuesday, May 16th, the IRS announced the inflation adjustments that will apply to health savings accounts (HSAs) and qualified high deductible health plans (HDHPs) beginni...
May 16, 2023
Coverage of Preventive Health Services After the Braidwood Decision
Background In 2020, the Affordable Care Act (ACA) amended the Public Health Service Act (PHSA) to require non-grandfathered group health plans and insurers of ful...
May 8, 2023
Beyond Burnout: Reclaiming Purpose In Aging Services
Is It Burnout? Working in aging services isn’t just a career, it’s a calling. And as a leader in this industry, it’s obvious that you care about people—not only t...
March 29, 2023
How to Leverage Group Purchasing Power to Drive Down Benefits Costs
We at Graham are leveraging the power of economies of scale and group purchasing of like-minded Healthcare and Human Services (HHS) organizations with the goal of impact...
March 29, 2023
New Legislation Helps Dig Florida Out of a “Judicial Hellhole”
On Friday, March 24, 2023, Florida Governor Ron DeSantis signed House Bill (HB) 837 into law. HB 837, a tort reform bill commonly referred to as the Civil Remedies bill, has far ...
March 27, 2023
3 Voluntary Benefits Trends to Watch in 2023
Benefits have always been crucial for attracting and retaining top performers, and voluntary benefits are a great way for employers to round off their offerings. These e...
March 24, 2023
DOL Issues Adjusted Penalty Amounts for 2023
Federal regulations require the U.S. Department of Labor (DOL) to make inflationary adjustments to its civil monetary penalties by Jan. 15 of each year. Accordingly, on ...
March 24, 2023
Here Comes the Great Post-Pandemic Medicaid Unwind
At the start of the pandemic in Jan. 2020, the U.S. Department of Health and Human Services (HHS) declared a public health emergency (PHE), which granted each U.S. State...
March 24, 2023
The End of the COVID-19 Emergency Declarations is Near
On Jan. 30, 2023, the Biden Administration announced its intention to end the National Emergency and Public Health Emergency (PHE) due to COVID-19 as of May 11, 2023. Th...
February 23, 2023
State of the 2023 Insurance Market
The last several years have been marked with an increased volatility in the business world, and the insurance industry as a whole has had to evolve to stay afloat in the...
February 21, 2023
2023 Property Insurance Renewal – Brace Yourself
We all have read enough about inflation, rising interest rates and cost of capital, but are you aware of the impact these and other factors are having on the global prop...
February 21, 2023
New York Modifies Important Defense to Workers Compensation Claims
A recent amendment to the New York Workers Compensation Law (“the Law”) will present new challenges for employers in 2023 and beyond. The Bills Seeking to Change...
February 21, 2023
2023 Cyber Market Update
As the cyber insurance market continues to change and evolve, looking at trends and influences happening in 2023 can help businesses better assess how to address ongoing...
January 23, 2023
Be Strategic About Your Insurance Needs in the Gig Economy: Consider Choosing a Captive
According to Forbes, the gig economy is on track to surpass the full-time workforce by 2027 after increasing by 30% during the Covid-19 pandemic. Comprised of independen...
January 5, 2023
2023 Consolidated Appropriations Act, including Telemedicine & HSA Relief, Signed into Law
The 2023 Consolidated Appropriations Act (CAA 2023), which was signed into law by President Biden on December 29, 2022, includes language extending the temporary safe ha...
December 20, 2022
Are Cyber Captives Right for Your Business?
Most organizations today face exposure to cyber and technology threats as they continue to expand, grow and operate. Data privacy and security breaches, business interruption...
November 25, 2022
Holiday Safe Shopping 2022
While the Holidays are known as the “Season of Giving Gifts,” this time of year is quickly also becoming known as the “Season of Giving Away Personal Information.” ...
October 7, 2022
Protect Your Business from Wire Transfer Fraud
Wire Transfer Fraud continues to be a real threat for many organizations who receive invoices from threat actors that look legitimate. Don’t get caught. With some advanc...
July 25, 2022
Diversity, Equity and Inclusion’s Vital Role in Risk Management and Success
At Graham Company, we firmly believe that Actions Matter®, so we partnered with Dr. Lee Nunery, Founder and Principal of strategic advisory firm Plūs Ultré, to help stra...
July 21, 2022
Hurricane Preparedness is Key to Managing Risk
Each year hurricane season lasts from June through November. This year, for 2022, the NOAA is predicting above-normal Atlantic hurricane activity with a possibility of u...
July 8, 2022
Frequently Asked Questions re: Impact of Dobbs on Employer-Sponsored Health Plans
On Friday June 24, 2022, the Supreme Court of the United States released its decision in Dobbs v. Jackson Women’s Health Organization, overruling the landmark 1973 case ...
April 5, 2022
5 HR Technology Trends to Monitor in 2022
No matter a company’s size, its day-to-day needs can feel overwhelming for human resources (HR) leaders, especially when faced with new coronavirus-related responsibilit...
April 5, 2022
5 Mental Health Employee Benefits Trends for 2022
Mental health has been a hot topic recently, thanks to the COVID-19 pandemic. Over the past two years, so many people have experienced issues such as burnout, depression...
April 5, 2022
New Year, New Rules: Healthcare Transparency Rules and Plan Sponsor Obligations
Over the last few years there has been an increased focus on price transparency in health care. With the enactment of the Consolidated Appropriations Act (“CAA”) and th...
April 4, 2022
How to Combat “The Great Resignation” by Building Customized Benefits Packages to Attract & Retain Top Talent
As the effects of the COVID-19 pandemic carry into their third year, many companies are taking a step back to assess their business practices to determine what has or ha...
March 23, 2022
Data Extortion Hacking Group “Lapsus$” Compromises Several High Level Organizations
Over the weekend, it was reported that Lapsus$, the data extortion hacking group, had maliciously compromised many high-profile organizations. In the last few months, Lapsus$...
March 17, 2022
NYCIRB Announces Withdrawal from the NCCI Experience Rating Plan
The New York Compensation Insurance Rating Board will now stand completely on its own just like NJ, CA, PA, DE, MI and all the monopolistic states. It was recently announced...
March 10, 2022
The Russia-Ukraine War and its Cyber Security Threat Implications
The events currently occurring in Ukraine are devastating. Whether you are a descendant of Ukraine or Russia, or have friends, family, neighbors, or colleagues impacted,...
March 9, 2022
State of the 2022 Insurance Market
The business world has evolved in the two years that have passed since the onset of the COVID pandemic. For those of us in the business of insurance and risk management ...
February 8, 2022
Higher Education Successes
When higher education institutions are looking to expand, they have to shift focus from education to construction. Since this isn’t their area of expertise, they need to lean...
January 24, 2022
Cyber Insurance Protection for 2022
In an ever-expanding world with a fast-changing and complicated insurance coverage landscape, cyber threats inevitably present themselves to any organization with even t...
December 29, 2021
Creativity Through Captives
There is no question that we continue to face a “hard” insurance market. With increases in catastrophic weather events and plaintiff attorneys securing ever-larger “nuclear” ...
December 14, 2021
Winter Weather Preparedness
Preparation and Education Make sure your emergency response plans have contingencies for severe weather events and establish communication methods to distribut...
November 10, 2021
Webinar Recap: Cyber Attack and How to Fight Back
With cyberattacks continuing to grow in prevalence, impact and sophistication, Graham Company held a webinar last month titled “Cyber Attack and How to Fight Back”. The goal ...
August 23, 2021
Website Accessibility Under the ADA: Where Guidance is Scarce and Lawsuits are Plentiful
The internet has dramatically enhanced the way that people interact with each other and the way that public entities and private companies do business with consumers. It has...
July 1, 2021
Special Purpose Acquisition Companies (“SPACs”): A Unique Challenge for Directors and Officers Liability Insurance Programs
What is a SPAC? A SPAC, or “blank-check company,” is a shell company formed with the intent of raising capital through an Initial Public Offering (“IPO”) for the sole ...
July 1, 2021
A New Era for Cybercriminals: Easy access to inexpensive, large scale computing solutions driving increased cyber liability risk
Advances in shared computing infrastructure like cloud computing and the overall commoditization of computing, storage, and networking tools have created a boon for small org...
June 22, 2021
With Cyber Attacks On the Rise, Multi-factor Authentication (MFA) Measures are Necessary to Safeguard Your Organization
Having proper Multi-factor Authentication (MFA) protocols in place does not eliminate the need for insurance but it can lessen the cost and loss potential dramatically. With ...
May 17, 2021
FEMA Risk Rating 2.0
In 1968, the National Flood Insurance Program (NFIP) was created to help provide property owners the ability to purchase sufficient insurance to protect themselves from the p...
May 10, 2021
Fiduciaries of All Retirement Plans – Beware of Excess Fee Claims
Employers that sponsor retirement plans should be concerned about potential liability for excessive fee claims. The fiduciaries of a retirement plan have a duty to ensure tha...
December 17, 2020
Holiday Safe Shopping
While the Holidays are known as the “Season of Giving Gifts,” this time of year is quickly also becoming known as the “Season of Giving away Personal Information.” Cyb...
November 11, 2020
Employee Benefits needs are changing amid the COVID-19 Pandemic
A key shift in day-to-day operations for employee benefits in the corporate workforce since the onset of the COVID-19 pandemic is the increased usage of technology. Born out ...
October 1, 2020
Ransomware Attacks Are On the Rise… Are You Prepared?
Do you think you have an impenetrable firewall, strong enough to ward off a cyber attack before it happens? Do the terms “Dark Web”, “Ransomware”, “Malware” and “Phishin...
August 31, 2020
A Strategic Approach to Recover and Recapture Your Work Culture
We have all now felt, and continue to feel, the impact of the first modern age global health crisis. The unprecedented disruption to the way the world literally “works” now carri...
July 29, 2020
Humantech – Ergonomics Evaluation Tool
Background Manual material handling (MMH) type incidents impact 72% of Graham clients. In the last 5 years, MMH is the 2nd leading cause of incidents for Graham clien...
June 17, 2020
Truckers Rising to the Occasion
As Americans begin to return to work while still avoiding public places, truckers have been on the front lines throughout the entire COVID-19 pandemic, delivering vital medic...
February 11, 2020
Q&A: Madison Concrete Embracing Construction Safety Culture Through Strategic Partnership
We're fortunate to work with an incredible portfolio of clients at Graham Company, putting their interests first to provide high quality insurance products and services that ex...
February 4, 2020
Executive Leadership Summit Builds on Philadelphia Construction Industry’s Strong Foundations
With 60 years of experience providing construction insurance and comprehensive safety counsel, we’re proud to have developed risk management solutions for some of the largest, most...
February 4, 2020
Executive Leadership Summit Builds on Philadelphia Construction Industry’s Strong Foundations
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February 4, 2020
The Basics of Contractor’s Equipment Insurance
In the world of construction, it should come as no surprise that contractors rely heavily on their equipment in order to complete projects efficiently and effectively. T...
December 16, 2019
Ask the Expert: Importance of Cyber Insurance
We recently hosted a cybersecurity seminar that brought together clients from a wide range of industries, along with experts in the field, to discuss ways to prot...
April 18, 2019
Trend Report: Disaster Recovery: Success Through Collaboration
We pride ourselves on being true strategic partners for our clients, serving as their risk management arm and always on call, 24/7. We understand that when the ph...