Insights

By Chris Alviggi, Managing Director, Environmental Practice Group Leader, NFP The Amazon model, combined with the rippling impact of the COVID-19 pandemic, drastically changed the market for commercial real estate. With the newfound demand for industrial real estate in strategic locations near population centers, industrial sellers gained the upper hand when selling property previously considered undesirable. Purchasers, hungry for cheap industrial sites, often acquired property with limited du

WINT Water Intelligence has joined NFP’s Construction and Infrastructure (C&I) Technology Alliance to mitigate client project risk by pairing WINT’s AI-based leak mitigation solution with NFP’s expertise in providing risk advisory solutions.

Subcontractor defaults are on the rise in the construction sector in North America and financial insolvency is the leading primary cause of this increase.

In recent years, the Securities and Exchange Commission (SEC) has made major changes to broker-dealer recordkeeping rules.

To achieve the best construction finance rates in a higher interest rate economy, stakeholders must find the ideal balance when it comes to performance security.

In this webinar, employment practices liability experts from NFP and Jackson Lewis will share insights on the challenges and timely guidance on how to overcome risks.

If the deepfake technology is only to become more sophisticated, how can companies protect themselves from ever-evolving financial scams?

Having an employment practices liability insurance (EPLI) policy in place can protect employers against the potential financial burdens associated with claims arising from the employment relationship.

As more states enact various paid family medical leave (PFML), paid family leave and disability insurance laws, complying with each state’s PFML mandate and administering the overall leave policy is particularly challenging for multistate employers. In this webinar, we discussed several state PFML programs and how those programs interact with employer leave policies in addition to state and federal leave laws. Our Benefits Compliance team collaborated with NFP’s Human Capital Solutions team to

By Paul Ashley, Vice President, Corporate Benefits, NFP In the fast-paced and competitive landscape of today's business world, organizations face numerous challenges in attracting, retaining, and motivating top talent. In my 20+ years working in the total rewards space with employers, I've witnessed firsthand how providing mission critical and highly compensated employees with tailored executive benefit solutions can address several pressing business challenges. 1. Retention and Attraction Exec

In this webinar, we clarify eligibility rules, discuss the mechanics of HSA contributions, and learn to identify and remedy some common issues associated with HSAs. 

In this guide, we will delve into the key differences between benchmark positions and slot positions in a compensation study.

Expanding to the UK is an exciting step for your business, but the number of unique considerations and risks are something that you need to pay attention to.

A recently filed lawsuit has increased awareness of the ERISA fiduciary obligations of employers in their role as group health plan sponsors, particularly the “duty of prudence” in selecting and monitoring health plan vendors.

GLP-1 (glucagon-like peptide) medications like Ozempic and Wegovy have continued growing in popularity over the last several years.

A provocative new study that questions the value of common workplace wellness initiatives was released in the Industrial Relations Journal in January of 2024. After the study analyzed survey data from over 46,000 employees across 233 British organizations, the research found that outside of employee volunteer offerings, common well-being interventions like apps, resilience training, and meditation programs proved to have little to no clear benefits for workers. Before we ring the death knell fo

Going on a trip? Protect your investment with travel insurance. Travel insurance reimburses a policyholder if they become sick or injured while away from home, as well as additional coverage protecting personal items such as luggage. Coverage often includes: Medical evacuation Trip cancellation Lost or damaged baggage Trip interruption Yet while you do have coverage for these events, it is not blanket, all-inclusive coverage. In fact, it is as important to understand what your travel insuranc

Do you know what your jewelry is worth? Be it your engagement ring from 1998 or the heirloom bracelet you just received from your grandmother; your jewelry could be worth more - in some cases, much more - than the value you placed on it when it was first insured. And while most policies adjust the cost by 1-5% for inflation, those increases may fall well short of the value of replacing or compensating for the actual value of your item. Especially now, with supply chain issues driving up the cos

A variety of winter weather conditions - including snow, slush, ice and sleet-can create hazards on the road. In fact, the U.S. Department of Transportation estimates that crashes stemming from these conditions result in 116,800 injuries and 1,300 fatalities each year. As such, employees who must get behind the wheel during winter-whether it's to make a delivery, transport materials or travel to the job site-should take additional precautions to stay safe. If you find yourself driving in advers

In a good first mortgage purchase/refinance market, home equity lending competes with first lien originations from an appraisal, title and servicing aspect. Yet appraiser shortages, staff burnout and fatigue, especially in the real estate market, are very real. In addition, borrowers lose jobs, get divorced or pass away and loans become delinquent. These life events are all things even the best underwriter cannot foresee. This seller's market is frenetic, with homes selling quickly. That is pus

In 2020, there were 30 named hurricanes and tropical storms - more than ever before - exhausting the official alphabetical list of hurricane names for just the second time. One hurricane alone - Hurricane Laura - caused $19 billion in damages. Yet as hurricanes become more frequent and more severe, so too are weather-related events across the country. A powerful derecho - likened to an inland hurricane - hit the central US in 2020, causing $11 billion in damages and went on record as one of the

In addition to protecting yourself against COVID-19, it's also critical to take precautions to avoid other illnesses, especially during flu season. While viruses can circulate year-round, flu activity tends to surge in the fall and winter months. During this time, there are several measures that you can implement to keep both yourself and others safe and healthy at work. Consider these best practices from the Occupational Safety and Health Administration amid flu season: Stay Home if You Feel S

A side effect of the ongoing pandemic has created an auto inventory shortage, which experts warned might happen. Thanks to a shortage of semiconductors, distribution issues, commercial driver shortages, and further production disruptions due to the resurgence in COVID-19 variants. The auto industry does not have enough cars to keep up with consumer demand. The shortage becomes apparent to anyone looking for a car. What would typically be an inventory of 200-300 new vehicles are now reduced to u

It's a revolution that seemed to ride in from out of nowhere. Electric bicycles - e-bikes - have exploded in popularity recently. Between 2020 and 2023, it's predicted that 130 million e-bikes will be sold.  It is a far cry from just a few years ago. From 2006 through 2012, e-bikes made up just 1 percent of all annual bike sales . In 2013, only 185,000 e-bikes were sold in the US. Yet, with technology comes risk. Between January 2018 and September 2019, 10 people died from injuries sustained wh

While HSAs have grown in notoriety over time, their benefits are still underutilized by many Americans who have them.

When it comes to depositing employer contributions into qualified retirement plans, we are often asked what the deadline is for making these contributions. Believe it or not, that is not an easy question to answer.

In the current high-stress economy, American workers are growing more and more concerned with their retirement. According to a new Pew Research study, without changes, the retirement-savings gap, or the difference between the amount of money needed for a comfortable retirement and individuals’ actual savings, could create a $1.3 trillion dollar economic burden through 2040. Many Americans simply aren’t able to save enough for retirement — 61% of elderly households are projected to have an annua

Rising inflation and the sharpest increase in U.S. interest rates since 1994 have contributed to a widespread sense of unease as many retirement fund participants watch their savings dissolve. That's the opinion of Nick Della Vedova, a president at NFP Retirement, and Jeff Elvander, chief investment officer at NFP Retirement, who authored an article for MarketWatch. Uncertainty is an ideal market environment for investors to consider how a target-date fund '” equipped with professional manageme

Just two years ago, clients were entering into loan arrangements or installment sale transactions with their trusts in order to lock in those seemingly low interest rates of less than 3%. As we've watched the AFRs continue to drop, savvy clients have been inquiring into the possibility of refinancing their existing transactions. With the ability to lock-in a nearly 1% interest rate for the duration of the transaction, there's never been a better time to refinance. Given that the rate reduction

If you oversee a pension, cash balance or even a 401(k) plan, my bet is that until around mid-March you felt investment returns, while positive, were somewhat disappointing. While you acted as a good fiduciary - constructing a prudently diversified portfolio or plan menu - stocks rose in nearly unabated fashion from 2009 until the pandemic took root in the U.S., resulting in the swiftest move to bear market territory in history. Moreover, March was the most volatile month ever for stocks! Beyon

One of the most powerful tools in the IRA owner’s toolkit has been the ability to stretch an inherited IRA over the beneficiary’s lifetime, potentially mitigating income tax rates while leaving the majority of the assets to take advantage of tax-free accumulation. However, the new year saw the death of the “Stretch IRA.” The Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law by President Trump on December 20, 2019, and is effective as of January 1, 2020 (for

Defined contribution plans, more specifically, 401(k) plans, have become one of the primary savings options for Americans. The employers who sponsor these retirement plans are now trusted partners for employees. Such trust developed over many years as Plan Sponsors created valuable benefit programs by integrating health and wealth initiatives. With 76 million Baby Boomers approaching retirement or already retired, Sponsors migrating their plans from the single focus of a savings and wealth accu