Table Of
CONTENTS
4 6 Tips For HR Teams To Avoid AI Scams
6 ERISA Fiduciary Litigation Trend: Health Plans and Voluntary Benefits
9 Leading Through Change: A Practical Guide for Managers Shawn Hunter
12 What Are The Top Service Trends CEOS Can’ t Ignore? John DiJulius
16 The Invisible Staircase: Why Your Future Is Bigger Than You Think Neil Pasricha
20 3 Ways To Positively Disrupt Your Mindset Each Day Tony Rubleski
22 The New Era Of Marketing Content: AI’ s Benefits And Boundaries
26 Best Practices For Responding to Internal Harassment Claims
Welcome To
SPECTRUM INSURANCE
GROUP
Insurance That Offers The Greatest Protection At The
Lowest Cost
Welcome to the fall 2026 edition of Risk & Business Magazine. Spectrum Insurance Group is pleased to provide this magazine as a valuable resource for your company. The purpose of the magazine is to bring relevant content to help your business succeed. Inside this edition, you’ ll find many great articles related to business insurance, employee benefits, safety / risk management, employment law, banking, financial management, and general business topics. We think you will find these articles informative and useful to the success of your business.
When Spectrum Insurance Group was started in 2007, one of the core values we established was to provide value-added services to our customers. Risk & Business Magazine provides another outlet to help inform and educate not only our customers but all businesses located throughout the state of Wisconsin. What is good for all businesses in Wisconsin is good for Spectrum Insurance Group!
After nearly a half decade of disruption, the insurance market is finally approaching a light at the end of the tunnel. In 2026, the US property and casualty insurance market entered a new era of stability and a significant shift away from large rate increases. Insurance buyers, specifically in Wisconsin, should expect relatively flat rate increases in property, general liability, and workers’ compensation. Most insurance companies are motivated to grow and retain good risks, which creates a buyer’ s market.
Even so, remnants of the hard market remain. Although insurers are still“ open for business,” they remain cautious about properties with habitational exposures and businesses with significant auto exposure, where nuclear verdicts may occur. For insureds, better pricing depends on effective risk control. Those who can demonstrate how they prevent losses will have an easier time securing rate relief.
Now more than ever, you need an insurance professional who understands your business, helps you plan for unique risks, has access to many insurance companies, and advocates on your behalf. All of this can be achieved by working with an independent insurance agent who can tell your story to insurance carriers in a way that will best position your business come renewal time. No matter what happens in 2026, businesses in Wisconsin have an innate ability to adapt to challenges that they are confronted with. This makes Wisconsin an excellent state to do business in! +
Darrel Zaleski, Owner SPECTRUMINSGROUP. COM
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