Everyone's talking about the insurance rate explosions, which seem to increase every year. But while you're focused on managing costs, Washington is preparing a wave of new regulations and reporting requirements. These hidden compliance costs can hit your bottom [...]
The 2025 Reality: Why Off-the-Shelf Plans Aren't Working Every year, the renewal notice arrives with a painful rate increase. For small and mid-sized businesses, this has become the single largest budget threat. The root of the problem? Most companies [...]
Whether you are raising capital, securing financing, or preparing for a sale, your company’s corporate structure and governance tell a story. That story can either inspire confidence or raise concerns, regardless of the size or nature of the transaction [...]
Every year, business owners walk into their health insurance renewal meetings expecting a fair review, and walk out facing another unexplained increase. This year, change that. Instead of nodding through another presentation from your broker, take control with these [...]
What Is the Massachusetts Pay Transparency Law?Beginning October 29, 2025, Massachusetts employers with 25 or more employees must disclose pay ranges in job postings and provide them to applicants and employees upon request.The law applies to:Full-time, part-time, seasonal, and [...]
The Game-Changing Benefit Most Workers' Comp Programs Miss While traditional self-insured workers' compensation programs focus solely on handling claims after injuries occur, the AICC leads the way with a different approach. By including the Modern Assistance Program at no [...]
The Hidden Cost of Waiting Until Fall for Health Insurance Renewal Employee benefits have become one of the largest line items on an employer's budget but also one of the most strategic. Learn more about NARFA’s history and mission [...]
If you have opened your renewal letter and seen your health insurance premiums jump, it can feel especially frustrating when your business has had good claims experience. Many small employers get grouped into larger community rated pools. If the [...]
The Occupational Safety and Health Administration (OSHA) has released new enforcement guidance that could significantly reduce financial penalties for small businesses. For members of the Automotive Industries Compensation Corporation (AICC), a program built exclusively for Massachusetts automotive, roads, fuel, [...]
The Numbers Don't Lie: Healthcare Costs Are Exploding A new KFF report confirms what NARFA members already suspected: healthcare premiums are spiking 15% in 2026—the largest increase since 2018. Worse yet, 27% of insurers are requesting increases of 20% or more. For small [...]
