PUBLISHER MANAGING EDITOR GRAPHIC DESIGN PROJECT MANAGER
CONTRIBUTORS
ADVERTISING( Local)
Tulip Media Group Debra Taveira Tania McIntyre Andrea Escober
Jay Nesbit Neil Pasricha Shawn Hunter
Jay Nesbit
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Inside
CLIENT SPOTLIGHT 4 Growing A Business By
Taking Care Of Your People
6 The Invisible Staircase: Why Your Future Is Bigger Than You Think Neil Pasricha
9 Leading Through Change: A Practical Guide For Managers Shawn Hunter
13 Replacement Cost vs. Market Value: Why The Difference Matters
AGENT SPOTLIGHT 14 Employee Benefits With
A Long-Term View
Dear Readers,
As summer gives way to fall, it is a natural time to look ahead and make sure the plans we have in place still reflect our needs. Whether protecting a home or supporting employees, thoughtful preparation can make a meaningful difference when circumstances change.
In the Fall 2026 edition of Risk & Business Magazine, we look at how informed insurance and benefits decisions can help individuals and businesses prepare for what comes next.
This issue puts a special focus on employee benefits. Steve Strege, President of Employee Benefits at Nesbit Agencies, shares his perspective on how employers can balance rising medical costs with the need to attract and retain talented employees. From alternative approaches to medical plan funding to better employee communication, he explains why a long-term benefits strategy can help employers manage their investment while continuing to provide meaningful value to their teams.
We also explore additional considerations surrounding employee benefits and how employers can approach these decisions with their people, budgets, and long-term goals in mind.
For homeowners, this issue examines an important distinction between a home’ s market value and its replacement cost. While market value reflects what a property may sell for, replacement cost estimates what it could take to rebuild after a covered loss. Understanding the difference and regularly reviewing your coverage can help reduce the risk of being underinsured.
We believe good insurance and benefits planning starts with understanding your options. Our goal is to help businesses, families, and individuals make informed decisions with practical guidance and personalized support.
Thank you for reading. We hope this issue provides useful information as you plan for the months and years ahead. +
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