---
title: Blog | RBN Insurance Services
description: Information and ideas you can use to improve employee benefits solutions, better understand risk management, and receive expert private equity advice.
---
[](https://rbninsurance.com/)
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# Blog | RBN Insurance Services
THE RBN BLOG
Information and ideas you can use to improve employee benefits solutions, better understand risk management, and receive expert private equity advice.
[](https://blog.rbninsurance.com/commercial-auto-liability-2026)
## [Auto Liability in 2026: The Line That Is Not Getting Easier](https://blog.rbninsurance.com/commercial-auto-liability-2026)
[Risk Management](https://blog.rbninsurance.com/tag/risk-management) [Market Updates](https://blog.rbninsurance.com/tag/market-updates) [2026 Buyers Guide](https://blog.rbninsurance.com/tag/2026-buyers-guide) | 2 min read
[](https://blog.rbninsurance.com/2026-commercial-property-insurance)
## [2026 Commercial Property Insurance: Competition Returns, but Discipline Still Wins](https://blog.rbninsurance.com/2026-commercial-property-insurance)
[Market Updates](https://blog.rbninsurance.com/tag/market-updates) [Property](https://blog.rbninsurance.com/tag/property) [2026 Buyers Guide](https://blog.rbninsurance.com/tag/2026-buyers-guide) | 3 min read
[](https://blog.rbninsurance.com/effective-communication-with-your-commercial-auto-fleet-employees)
## [Effective Communication with Your Commercial Auto Fleet Employees](https://blog.rbninsurance.com/effective-communication-with-your-commercial-auto-fleet-employees)
| 2 min read
[](https://blog.rbninsurance.com/managing-heat-risks-for-outdoor-workers-a-guide-for-employers)
## [Managing Heat Risks for Outdoor Workers: A Guide for Employers](https://blog.rbninsurance.com/managing-heat-risks-for-outdoor-workers-a-guide-for-employers)
| 2 min read
[](https://blog.rbninsurance.com/key-tips-for-roadway-safety-week)
## [Key Tips for Roadway Safety Week](https://blog.rbninsurance.com/key-tips-for-roadway-safety-week)
| 1 min read
[](https://blog.rbninsurance.com/hurricane-preparedness-commercial-property-guide)
## [Hurricane Preparedness: Commercial Property Guide](https://blog.rbninsurance.com/hurricane-preparedness-commercial-property-guide)
| 1 min read
[](https://blog.rbninsurance.com/hurricane-preparedness-homeowners-guide)
## [Hurricane Preparedness: Homeowners Guide](https://blog.rbninsurance.com/hurricane-preparedness-homeowners-guide)
| 2 min read
[](https://blog.rbninsurance.com/tornado-preparedness-homeowners-guide)
## [Tornado Preparedness: Homeowners Guide](https://blog.rbninsurance.com/tornado-preparedness-homeowners-guide)
| 1 min read
[](https://blog.rbninsurance.com/tornado-preparedness-commercial-property-guide)
## [Tornado Preparedness: Commercial Property Guide](https://blog.rbninsurance.com/tornado-preparedness-commercial-property-guide)
| 2 min read
[](https://blog.rbninsurance.com/fire-prevention-guide-commercial-property)
## [Fire Prevention Guide - Commercial Property](https://blog.rbninsurance.com/fire-prevention-guide-commercial-property)
| 2 min read
[](https://blog.rbninsurance.com/data-privacy-week)
## [NATIONAL DATA PRIVACY WEEK](https://blog.rbninsurance.com/data-privacy-week)
| 2 min read
[](https://blog.rbninsurance.com/7-tips-to-help-your-employees-navigate-rising-healthcare-costs-this-year)
## [7 Tips to help your employees navigate rising healthcare costs this year](https://blog.rbninsurance.com/7-tips-to-help-your-employees-navigate-rising-healthcare-costs-this-year)
[Open Enrollment](https://blog.rbninsurance.com/tag/open-enrollment) [People + Benefits](https://blog.rbninsurance.com/tag/people-benefits) | 5 min read
[](https://blog.rbninsurance.com/are-carrier-recommendations-optional)
## [Are Carrier Recommendations Optional?](https://blog.rbninsurance.com/are-carrier-recommendations-optional)
[Property](https://blog.rbninsurance.com/tag/property) | 4 min read
[](https://blog.rbninsurance.com/att-i-9-form-update)
## [I-9 Form Update](https://blog.rbninsurance.com/att-i-9-form-update)
[People + Benefits](https://blog.rbninsurance.com/tag/people-benefits) | 3 min read
[](https://blog.rbninsurance.com/reservation-of-rights-letters-ror)
## [Reservation of Rights Letters (ROR)](https://blog.rbninsurance.com/reservation-of-rights-letters-ror)
| 1 min read
## [Wildfires and Outdoor workforces](https://blog.rbninsurance.com/wildfires-and-outdoor-workforces)
[Industry News](https://blog.rbninsurance.com/tag/industry-news) | 2 min read
[](https://blog.rbninsurance.com/reducing-your-fleets-risk-and-your-companys-auto-insurance-costs-through-telematics)
## [Reducing Your Fleet's Risk and Your Company's Auto Insurance Costs through Telematics](https://blog.rbninsurance.com/reducing-your-fleets-risk-and-your-companys-auto-insurance-costs-through-telematics)
| 2 min read
[](https://blog.rbninsurance.com/industry-outlook-commercial-auto)
## [Industry Outlook: Commercial Auto](https://blog.rbninsurance.com/industry-outlook-commercial-auto)
[Market Updates](https://blog.rbninsurance.com/tag/market-updates) | 3 min read
[](https://blog.rbninsurance.com/industry-outlook-personal-auto)
## [Industry Outlook: Personal Auto](https://blog.rbninsurance.com/industry-outlook-personal-auto)
| 2 min read
[](https://blog.rbninsurance.com/hurricane-season)
## [Hurricane Season](https://blog.rbninsurance.com/hurricane-season)
[Homeowners Insurance](https://blog.rbninsurance.com/tag/homeowners-insurance) | 3 min read
[](https://blog.rbninsurance.com/illinois-biometric-information-privacy-act-bipa-new-developments)
## [Illinois Biometric Information Privacy Act ("BIPA"): New Developments](https://blog.rbninsurance.com/illinois-biometric-information-privacy-act-bipa-new-developments)
[People + Benefits](https://blog.rbninsurance.com/tag/people-benefits) | 2 min read
[](https://blog.rbninsurance.com/fbla-law-updates)
## [2023 FBLA Law Updates](https://blog.rbninsurance.com/fbla-law-updates)
[People + Benefits](https://blog.rbninsurance.com/tag/people-benefits) | 3 min read
## [P&C Market Outlook January 2023](https://blog.rbninsurance.com/pc-market-outlook-january-2023)
[](https://blog.rbninsurance.com/encouraging-employees-to-use-their-preventative-care)
## [Promoting Employee Utilization of Preventative Care](https://blog.rbninsurance.com/encouraging-employees-to-use-their-preventative-care)
[People + Benefits](https://blog.rbninsurance.com/tag/people-benefits) | 2 min read
[](https://blog.rbninsurance.com/an-employers-guide-to-fmla)
## [An Employers Guide to FMLA](https://blog.rbninsurance.com/an-employers-guide-to-fmla)
[People + Benefits](https://blog.rbninsurance.com/tag/people-benefits) | 3 min read
[](https://blog.rbninsurance.com/winterizing-your-home)
## [Winterizing your home for the season](https://blog.rbninsurance.com/winterizing-your-home)
[Private Client](https://blog.rbninsurance.com/tag/private-client) | 3 min read
[](https://blog.rbninsurance.com/fire-prevention-a-hot-topic)
## [Fire prevention: A HOT topic](https://blog.rbninsurance.com/fire-prevention-a-hot-topic)
[Private Client](https://blog.rbninsurance.com/tag/private-client) | 5 min read
## [A must-add to your Black Friday Shopping list](https://blog.rbninsurance.com/a-must-add-to-your-black-friday-shopping-list)
| 1 min read
[](https://blog.rbninsurance.com/the-job-market-has-changed.-has-your-benefits-strategy)
## [The job market has changed. Has your benefits strategy?](https://blog.rbninsurance.com/the-job-market-has-changed.-has-your-benefits-strategy)
| 2 min read
[](https://blog.rbninsurance.com/open-enrollment-season)
## [Open Enrollment Season](https://blog.rbninsurance.com/open-enrollment-season)
[Open Enrollment](https://blog.rbninsurance.com/tag/open-enrollment) | 2 min read
[](https://blog.rbninsurance.com/fmcsa-launching-training-provider-registry)
## [FMCSA Launching Training Provider Registry](https://blog.rbninsurance.com/fmcsa-launching-training-provider-registry)
[Industry News](https://blog.rbninsurance.com/tag/industry-news) | 1 min read
[](https://blog.rbninsurance.com/rbn-partners-with-carole-robertson-center-for-learning-this-season)
## [RBN Partners With Carole Robertson Center for Learning This Season](https://blog.rbninsurance.com/rbn-partners-with-carole-robertson-center-for-learning-this-season)
[Company News](https://blog.rbninsurance.com/tag/company-news) | 1 min read
[](https://blog.rbninsurance.com/rbn-insurance-services-named-a-2021-best-place-to-work-in-insurance)
## [RBN Insurance Services Named a 2021 Best Place to Work in Insurance](https://blog.rbninsurance.com/rbn-insurance-services-named-a-2021-best-place-to-work-in-insurance)
[Company News](https://blog.rbninsurance.com/tag/company-news) | 1 min read
[](https://blog.rbninsurance.com/is-your-insurance-coverage-right-for-a-tight-supply-chain)
## [Is Your Insurance Coverage Right for a Tight Supply Chain?](https://blog.rbninsurance.com/is-your-insurance-coverage-right-for-a-tight-supply-chain)
[COVID-19](https://blog.rbninsurance.com/tag/covid-19) | 2 min read
[](https://blog.rbninsurance.com/manufacturing-risk-management-spoilage-insurance)
## [Manufacturing Risk Management: Spoilage Insurance](https://blog.rbninsurance.com/manufacturing-risk-management-spoilage-insurance)
[Risk Management](https://blog.rbninsurance.com/tag/risk-management) | 1 min read
[](https://blog.rbninsurance.com/asking-employees-about-covid-19-vaccination-status)
## [Asking Employees About COVID-19 Vaccination Status](https://blog.rbninsurance.com/asking-employees-about-covid-19-vaccination-status)
[COVID-19](https://blog.rbninsurance.com/tag/covid-19) | 1 min read
[](https://blog.rbninsurance.com/the-benefits-of-starting-open-enrollment-early)
## [The Benefits of Starting Open Enrollment Early](https://blog.rbninsurance.com/the-benefits-of-starting-open-enrollment-early)
[Open Enrollment](https://blog.rbninsurance.com/tag/open-enrollment) | 2 min read
[](https://blog.rbninsurance.com/homeowners-insurance-the-80-rule)
## [Homeowners Insurance: The 80% Rule](https://blog.rbninsurance.com/homeowners-insurance-the-80-rule)
[Homeowners Insurance](https://blog.rbninsurance.com/tag/homeowners-insurance) | 1 min read
[](https://blog.rbninsurance.com/defending-against-product-recalls)
## [Defending Against Product Recalls](https://blog.rbninsurance.com/defending-against-product-recalls)
[Risk Management](https://blog.rbninsurance.com/tag/risk-management) | 2 min read
### RBN’S WEEKLY INSIGHT
- #### General Liability insurance protects commercial clients from common third-party claims. Choose appropriate policy limits and consider an umbrella policy for extra coverage. Review your policy regularly to ensure it matches your evolving business needs.
TIP OF THE WEEK 7/29
- #### “Slip and fall” claims are common for many retail businesses. In addition to providing signage and maintaining your property to reduce the risk that someone may be injured on your premises, you should have a detailed post-accident procedure to ensure the person gets the right attention and to document what happened.
TIP OF THE WEEK 7/22
- #### When you have contractors working at your site, you can mitigate your risk by requiring them to indemnify you for any claims arising from their work. You should require proof of insurance, additional insured status on their policies, and a waiver of subrogation for workers’ compensation claims.
TIP OF THE WEEK 7/15
- #### Check whether your deductibles apply on a “per claim” or “per occurrence” basis. If multiple parties make claims against you because of the same event, a “per occurrence” deductible will mean lower out of pocket costs.
TIP OF THE WEEK 7/8
### Popular Posts
- #### [Are Carrier Recommendations Optional?](https://blog.rbninsurance.com/are-carrier-recommendations-optional)
[Property](https://blog.rbninsurance.com/tag/property) | 4 min read
- #### [Effective Communication with Your Commercial Auto Fleet Employees](https://blog.rbninsurance.com/effective-communication-with-your-commercial-auto-fleet-employees)
| 2 min read
- #### [Reservation of Rights Letters (ROR)](https://blog.rbninsurance.com/reservation-of-rights-letters-ror)
| 1 min read
### Staff Picks
- #### [RBN Insurance Services Named a 2021 Best Place to Work in Insurance](https://blog.rbninsurance.com/rbn-insurance-services-named-a-2021-best-place-to-work-in-insurance)
[Company News](https://blog.rbninsurance.com/tag/company-news) | 1 min read
- #### [Is Your Insurance Coverage Right for a Tight Supply Chain?](https://blog.rbninsurance.com/is-your-insurance-coverage-right-for-a-tight-supply-chain)
[COVID-19](https://blog.rbninsurance.com/tag/covid-19) | 2 min read
- #### [The Benefits of Starting Open Enrollment Early](https://blog.rbninsurance.com/the-benefits-of-starting-open-enrollment-early)
[Open Enrollment](https://blog.rbninsurance.com/tag/open-enrollment) | 2 min read
### Subscribe to Our Blog
Connect with our experienced team of insurance and employee benefits advisors.
[Contact Us](https://rbninsurance.com/contact/)
303 E. Wacker Drive, Suite 650
Chicago, IL 60601
[312.856.9400](tel:3128569400)
RBN Insurance Services is an independent insurance brokerage headquartered in Chicago. We provide commercial insurance, employee benefits, and personal insurance products for middle market businesses and their leaders. Since our inception in 1993, we have served clients across the United States in a wide variety of industries.
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- [Private Client](https://rbninsurance.com/private-client/)
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###### SUBSCRIBE TO THE RBN BLOG
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