Learn what buy-sell insurance is and why business partners should consider it.

How the volunteer mentors of OHuddle are transforming the lives of at-risk students in Wayne County schools.

AG Tourism: A Growing Market With Unique Risks

Shane Humphrey, Business Risk Advisor at Hummel Group, brings his experience from farm life, the classroom, and the basketball court to the agribusiness industry.

A review of the book Elon Musk by Walter Isaacson.

Innovations in treating chronic and complex conditions have eased people’s pain and improved their quality of life, but as with anything involving health care, there are signifi cant costs involved, and they keep rising. These innovations are known as specialty drugs. Capable of treating rare or complex conditions, such as cancer, Alzheimer’s disease, multiple sclerosis, and rheumatoid arthritis, one specialty medication can cost an individual—and subsequently their employer—tens of thousands of dollars in one year.

Benefits of business generosity and how you can cultivate it in your own organization.

Examples of how roof claims could be paid in a potential claim situation if your roof coverage is ACV/Limited Loss Settlement vs if your wind/hail deductible has increased.

The Wind/Hail Deductible is a separate deductible applied to your home policy in case of a loss due to wind or hail.

Limited Loss Settlement is similar to Actual Cash Value coverage in that it considers the roof's age and condition and may pay less than the full cost of replacement. Where it differs from Actual Cash Value is that the payout is based on a percentage that the company assigns to the type and age of the roof.

Learn about how roof coverage is changing and the difference between replacement coverage and actual cash value.

Three impactful trends regarding roof coverage that will affect all homeowner

How the impact of weather events is changing the way insurance companies pay for roof damage claims due to wind and hail.

How to Find the Best Life Insurance Coverage

Trucking Insurance Trailer Coverage Explained by a Transportation Risk Specialist

How to Best Insure Your Business in the Shooting Sports Industry

How to Choose Between Traditional Copay vs High Deductible

Understanding Employee Benefits Liability

What is an Underwriter and Their Role Explained by a Business Risk Advisor.

Discussing Health Risk Changes with a Benefit-Risk Advisor

Understanding Health Reimbursement Arrangements (HRAs)

When Creating a Business Plan, Where Does Insurance Fit?

Understanding the Essentials of Federal Filings and MCS-90

Understanding Ordinance or Law Coverage

What is a Backdoor Roth IRA?

A look at the no surprise act as a benefit risk advisor.

The Value of Health Savings Accounts

How to Protect Your Assets with Inland Marine Insurance

Reviewing How to Get Protection for Sexual Misconduct Liabilities

What Funding Strategies Are Available for You

Considerations of Business Income and Extra Expense

An Overview of Referenced-Based Pricing

Understanding what is covered in a water damage claim

A Deep Dive into What Exactly the Co-Insurance Clause Covers

A Conversation with One of Our Benefit-Risk Advisors

How Hank Reifsnyder draws on past challenges and personal tragedy to help his clients.

I’m a creature of habit. You’re a creature of habit. The question is: are your habits helping or hindering you?

We surveyed 400 of our commercial clients to discover how 2023 was for their business and how they’re feeling about 2024. Here are the results.

Navigating the delicate dance of work-life balance is challenging. Hummel not only aims to exceed expectations in the industry but also places a profound emphasis on fostering a unique culture—endearingly termed “harmony and hustle.”

A discussion on handling dysfunction as a leader.

As we put the finishing touches on what was another back-and-forth yet pleasantly surprising year in the financial markets, it is time to shift our focus to the most wonderful season of all—TAX TIME!

The potential benefits of captive insurance—More control over insurance coverage terms and pricing while being the beneficiary of your own good loss history by retaining unused premium dollars —make it a compelling consideration for many companies.

A brief review of the 2024 Commercial Insurance Market Outlook

The federal Fair Labor Standards Act (FLSA) requires employers to compensate their employees for all hours of work. To comply with this requirement, employers must keep track of the number of compensable hours employees work during a workweek.

Branches Worldwide is empowering entrepreneurs to impact communities globally and transforming lives and communities, one partnership at a time.

Why clarity is a critical leadership trait and how it can be developed to better lead an organization.

Understand factors influencing pricing and coverage and how you can help guide your company through our current hard market.

We surveyed individuals in a wide range of industries, ages, and careers to see how people feel about AI and its impact on the world.

Gain insight on cybersecurity, the future of technology, and the one thing business owners must do to secure their networks.

Artificial intelligence (AI) has rapidly evolved in recent years, revolutionizing numerous industries and transforming the way we live and work. As AI technologies continue to advance, they have the potential to disrupt major industries, presenting both risks and benefits to humanity.

Interest rates have been firmly in the driver’s seat of this back-and-forth market we have found ourselves in for the last 18 months or so. Before we can dig into HOW they have been swinging this market, we must first understand WHY they are rising in the first place - INFLATION.

Flu season is right around the corner! Those with Medicare Part B can receive...

Individuals who have a High Deductible Health Plan (HDHP) –and only have HDHP coverage...

At Hummel, providing exceptional service & expertise for our clients has been our focus since...

Medicare Part D, also called Medicare drug coverage or stand-alone Prescription Drug Plans...

There are 6,000 retail bakeries and nearly 3,000 commercial bakeries across the US that generate approximately...

On average, 2.8 out of 100 workers in the US are injured in workplace accidents every year...

The Health Insurance Marketplace®, also just called the Marketplace, allows people who...

If you have multiple forms of insurance, it’s important to coordinate your benefits...

Does Medicare cover dental, vision, and hearing services? The simple answer is...

When you become eligible for Medicare, you have several decisions to make, including...

It’s difficult to keep track of what each part of Medicare covers. Here’s an overview...

Imagine you've poured your heart and soul into starting your business...

Having the right insurance is important in the manufacturing industry...

Imagine this: You've invested your heart, soul, and finances into your commercial farming business...

The American Trucking Association reports that over 72% of all freight tonnage moved in the U.S...

Do you need assistance paying for your prescription costs? Extra Help...

With over half of the senior executives in the U.S. worried about "risk and compliance"...

1. You must have Medicare Part A and Part B...

When you become eligible for Medicare, you have several decisions to make...

Did you know that nearly 30 million Americans don't have health insurance coverage...

Medicare Advantage Plans, also known as Part C, fall into different types...

With many different terms flying around, it can be difficult to keep your options straight...

If you have a Medicare Advantage Plan (also called Part C or an MA Plan), you may...

If you want to leave your plan, you usually need to do so during a qualifying period...

The Inflation Reduction Act, passed by Congress in 2022 under the...

In 2021, 63,964,675 Americans used Medicare health insurance. 36,045,321 use the original...

You may be aware that October 15th through December 7th is the Open Enrollment Period...

We are excited to announce Maplecrest Insurance is now a part of...

If you spend less time making money and more time trying to keep up with new...

Technology that tracks vehicle use and performance has ushered in a new type of insurance...

Did you know that the number of American households who live in condominiums (also known as condos)...

We are excited to open our new location in Middlebury, Indiana. We previously held two...

The market for dump trucks globally is expected to reach $10.83 billion (U.S. dollars) by 2026...

Did you know that at least 73 million people in the US reside in condominium communities or...

What if forces beyond your control were threatening to destroy your business...

What if you could protect yourself better in your golden years? Many of us...

What if you were running one of the world's most dangerous businesses and you didn't even know it...

According to the Insurance Information Institute, insurance claims were filed by 51%...

In 2021, over 97% of home insurance claims focused on some form of property damage...

There are more than 30 million condominium units in North America. Condominiums are unique in that...

Millennials are the largest living adult generation on earth. Their preference in housing...

Companies that manufacture, distribute, and sell sporting firearms and supplies play a critical role...

It's no secret that logging is an important, yet risky, profession. The very nature of the job puts workers...

As we settle into the new year, you may be taking a hard look at what your business will look like...

Owning your own business has been an important part of the American dream for decades...

The harsh reality for businesses in America is that every year between 36% to 53% of them face...