Ask anyone who has managed a poorly executed office move and they will describe it in similar terms: it took longer than expected, disrupted more than it should have, and the final cost bore little resemblance to the original estimate. What tends to be harder to quantify — but is often the most significant expense — is the productivity lost during and after the move. Office relocations are among the most disruptive events in the working life of an organisation. When they go well, barely anyone notices. When they go badly, the effects ripple through the business for weeks. (more…)

The renewal notice for your business health insurance arrives. The premium is up, as it usually is. You approve it, the policy rolls over, and you move on to the next thing on the list. For most businesses, that is the entire renewal process. And in most cases, it is leaving money on the table. The business health insurance market is not static. Insurers reprice their books every year. New products come to market. Competitors adjust their terms to win business. The gap between what a business is paying on an auto-renewed policy and what it could be paying on a properly reviewed one is often significant, and it widens every year the review does not happen. This guide covers what a proper renewal review involves, what to look at, what questions to ask your broker or insurer, and why it is worth treating renewal as an active decision rather than an annual formality. (more…)