Zywave surveyed more than 1,000 small and midsize employers this spring to learn which business issues keep them up at night. Their answers paint a clear picture: economic jitters, inflation-fueled cost pressures, fast-changing compliance rules, and an unrelenting quest for talent. Below we unpack the survey’s five biggest takeaways and explain what they mean for employers who want to stay competitive—and caring—in 2025.

Your personal auto policy is built for errands and commutes—not for gig-economy stops at every front door. Zywave’s latest “Know Your Insurance” brief spells it out: once you use your car to deliver food, parcels, or groceries, most insurers treat the trip as commercial use and can deny a claim. This article explains why that gap exists, who needs extra protection, the difference between endorsements and full commercial policies, what the big delivery apps really cover, and how a quick talk with a Legendary Insurance Solutions at TWFG agent keeps you from paying accident costs out of pocket—because Our Policy Is Caring.

Time is money—especially after a business loss. This post lists five must-have documents (incident report, vendor invoices, maintenance logs, and more) that help speed approval. It also explains why professional photos and clear communication can make or break the outcome. With a Legendary Insurance Solutions at TWFG advocate guiding the process, getting claims paid is easier than ever.

Too many renters still skip coverage because they believe common misconceptions—­“I don’t own enough stuff,” “My landlord’s policy has me covered,” or “It costs too much.” Zywave’s brief busts those myths one-by-one and reminds renters that a basic policy can protect valuables, pay medical bills for injured guests, and cost less than dinner for two. The original flyer content appears unchanged below so you can paste it straight into your blog.