Red delicious, Jonathon, golden delicious, red empire, your choice here….. How many types of apples exist? You're not going to see this many kinds of apples in the grocery store, but there are 7,500 varieties of apples in existence throughout the world—2,500 of which are grown in the United States.  The selection feels overwhelming, so we stick to what we have mostly selected in the past, selecting the type we have always selected, because that’s what we have always done. Whe

The I nsurer is the insurance company.  Insurance companies are designed to be profitable. In order to sustain profitability, insurers increase premiums, often with or without increased claims.  The  Insured  is you, the business owner. The insured benefits from the protection or insurance provided.  Insurance is big business! Why? Because companies have significant exposures to protect. Some exposures are required by law such as workman’s comp, medical benefits, general lia

Every business, once they reach a certain level of success, profitability , liability , or mass  should understand how a Captive insurance company may benefit them. Every business is unique and a Captive Insurance company is not for all businesses. However, for those businesses and business owners who are risk adverse, desire to control insurance expenses more efficiently, and preserve capital, Captive Insurance is not a question of if, but when? What is that level? Historica

Of course it depends … ..  For business owners who have over 200 employees OR   their business is grossing above $50mm – take note….. There is a dollar amount that may get your attention.  In 2026 $100,000 probably won’t move the meter.  $500,000 may perk your ear, but probably won’t create any action. How about $1,000,000? Savings? Profit?  Either way, it’s worth a conversation at least.  It’s real, it requires education, it requires action, it requires change! Is the pain o