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Maternity Billing Is Changing in 2027, But the Bigger Story May Be the Opportunity

Beginning January 1, 2027, professional maternity care billing will change significantly. For decades routine prenatal, delivery, and postpartum professional services have generally been grouped within a global maternity bill.  According to a recent article from the American Medical Association, under the new structure, professional care will be reported separately across four phases: prenatal care, labor management, delivery, and postpartum care.

For employers, this is more than just a billing change. Claims may appear earlier and at more points throughout the maternity period, potentially affecting claim timing, cash flow, reporting, and administration. The added detail may help employers recognize needs sooner, evaluate maternity resources, and make better-informed health plan decisions.

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Builder’s Risk Insurance: Protecting Affordable Housing Projects When It Matters Most

For affordable housing developers, housing authorities, and nonprofit organizations, a construction project represents far more than a building. It represents years of planning, financing, community partnerships, and …Continue Reading

Measuring Fleet Performance: Turning Data into Safer Drivers and Lower Costs

For many organizations, fleet operations are a necessary part of doing business. Vehicles need to be on the road, and incidents are often treated as an unavoidable outcome. However, the financial impact tells a different story.

A single lost-time claim can cost approximately $40,000 in direct expenses. When indirect costs are included, such as lost productivity, rehiring, and downtime, that number can approach $100,000 per incident. Even relatively minor accidents can become expensive. In one case, a low-speed parking lot incident resulted in a $130,000 settlement due to limited documentation and a lack of supporting data.

These outcomes highlight an important reality. Fleet performance is not just an operational concern. It is a controllable driver of financial results. Continue reading

Virginia State Legislative Update

Virginia is moving toward changes in paid leave requirements. Below is a high‑level overview of HB 1207 / SB 2, which establishes Paid Family and Medical Leave, and HB 5 / SB 199, a pending bill that would expand paid sick leave.

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Cyber Risk: Trends to Watch & What Smart Companies Are Doing About It

Cyber losses for small and mid-sized enterprises (SMEs) are climbing. The costliest incidents increasingly involve business interruption. Ransomware and business email compromise (BEC) remain the top drivers …Continue Reading