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.

From college grads to retirees, your life insurance needs shift. This guide breaks down common life stages—20s, 30s–40s, 50s, 60s+—and recommends the right policy for each. Learn how term, universal, and final-expense policies work, and why riders that pay early for illness can ease today's worries. It’s insurance with thoughtful timing—because Our Policy Is Caring.

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.