Industry Insights & Resources

For many homeowners, insurance limits were selected years ago and then rarely revisited. The challenge is that the cost to rebuild a home, replace personal belongings, or purchase a comparable vehicle can change significantly over time. Construction labor, building materials, supply chain disruptions, and advances in vehicle technology have all contributed to rising replacement costs.

Many employers invest significant time and resources into building competitive employee benefits packages. From medical coverage and retirement plans to wellness programs and voluntary benefits, these offerings are designed to support employees and strengthen retention.

October is Cybersecurity Awareness Month, making it the perfect time for businesses to take a fresh look at their cyber risk exposures. While ransomware and major data breaches often dominate headlines, some of today's most significant risks may be receiving less attention than they deserve.

At Patriot Growth Insurance Services (Patriot), we work with organizations that want a clearer understanding of whether their cyber insurance program reflects the realities of their business. While every organization is different, five common themes tend to drive these conversations.

When it comes to attracting and retaining talent, salary is only part of the equation. Today's employees are taking a closer look at the complete benefits experience and evaluating whether their employer is helping support their health, financial security, and overall well-being.

Many transportation companies are asking the same question: If we're investing in safety, training, and loss control, why do insurance costs continue to rise? While market conditions play a role, many fleet operators continue to face premium pressure driven by severe liability claims, changing insurer appetite, and broader economic forces. As a result, more organizations are exploring alternative approaches to financing risk, including captive insurance.