Author: Benjamin Étoile
For many, the holiday season is a time of joy, celebration and connection with loved ones. However, it can also be a period of indulgence, stress and disruption to our usual routines. Letting your habits fall by the wayside during this festive time is common but not recommended. Take some time this holiday season to prioritize your health and well-being with these helpful tips and have a healthy holiday season! Support Your Immune System The winter months bring an increased risk of colds and flu, so it’s important to keep your immune system strong and have a healthy holiday. Here are…
Massachusetts is the largest homeowners insurance marketplace in New England Homeowners insurers wrote more than $8.4 billion in Direct Written Premiums across the six New England states in 2024, with Massachusetts dominating the regional market. The Bay State accounted for nearly 45% of all premiums, or $3.76 billion, reflecting its size and concentration of insured properties. Connecticut ranked second with $2.35 billion, representing almost 28% of the total. The remaining four states — Rhode Island, Maine, New Hampshire, and Vermont — collectively made up the final 27%, with individual totals ranging from $302 million in Vermont to $688 million in…
Jamaica’s $150 million IBRD CAR Jamaica 2024 parametric World Bank catastrophe bond has been marked down on secondary pricing sheets and the US National Hurricane Center forecast cone still shows a major hurricane Melissa landfall.This article was originally published on October 25th. Melissa became a hurricane on Saturday evening UK time and rapidly intensified into a major hurricane on Sunday. Our latest updates, including from Monday, are at the foot of this article, here. Original article begins: The forecast as of Saturday morning October 25th, sees the NHC’s forecast cone centred on the island nation of Jamaica, with the current…
Girlene Marques Rodrigues Introduction – A New Standard in Integrative Aesthetic Medicine Girlene Marques Rodrigues is a leading biomedical aesthetic professional in Brazil, known for advancing integrative aesthetic medicine through science and innovation. With over 15 years of experience in aesthetics and biomedical research, she has become a recognized authority in ozone therapy applied to aesthetic complications. Her work unites scientific precision with integrative health practices, promoting regeneration, recovery, and lasting skin health. Her dedication to ethical, evidence-based medicine has earned her national recognition and the prestigious title of Dama Comendadora Doutora, awarded by the Brazilian Chamber of Culture, Science,…
You are here: Home / unpublished / 2025 Cybersecurity Awareness Month Tip #4: Recognize and Report Phishing October 27, 2025 by AC Editor How can you tell if a message is phishing? A tone that’s urgent or makes you scaredEx: “Click this link immediately or your account will be closed.” Sender email address doesn’t match the company it’s coming fromEx: Amazon.com vs. Amaz0n.com Unexpected communications such as an email or attachment you weren’t expecting Requests to send personal infoEx: Legitimate organizations don’t ask for personal information through email or an unexpected call Misspelled words, bad grammar and odd URLs Be aware that AI will make spotting these more challenging…
With catastrophe bond and related ILS issuance set to exceed the record $20 billion figure by the end of 2025, this momentum is expected to persist, as Brad Adderley, Partner at global law firm Appleby suggests that issuance will stay at least at its current size for the time being.Artemis spoke with Adderley ahead of the launch of our Q3 2025 catastrophe bond and related insurance-linked securities (ILS) market report. While Q3’25 won’t necessarily be remembered as being a remarkable quarter in its own right, it did help to set a new annual issuance record for the cat bond market of…
When my teenagers burst into tears and slam their bedroom doors, I don’t go soothe them… It feels a little harsh to write out, but my reasoning is this: they chose to be alone in that moment, and they’re learning to emotionally regulate, a key life skill. They’re building those muscles and getting stronger every time. I’m proud of them and believe in them. After all, they understand that I’m here, reading on the sofa or brushing my teeth, if they need me. They know they can come to me anytime, that nothing they tell me will shock or embarrass…
Agency Checklists’ Proprietary List of Recent Acquisition in New England Mirroring national trends as outlined in this quarter’s OPTIS Partners Report, Q3-2025 merger and acquisition activity in New England saw seven announced transactions, slightly below the Q3 average of nine seen in both 2023 and 2024. As for total transactions, there has been a total of 22 total transactions through Q3-2025, up from 19 in the same period of 2024, but down from 27 in 2023. Activity in New England remains ahead of last year’s pace but below pre-slowdown levels in 2023. Quarterly Counts by Year Quarter202320242025Q1978Q2937Q3997Q41011—Total373022 (Q1–Q3) The following…
In a world where while asset prices are rising the outlook remains uncertain with volatility lurking, wealth managers at US Bank, the fifth-largest commercial bank in the United States, have again spotlighted reinsurance and insurance-linked securities (ILS) as potentially valuable diversification for investors at this time.Providing its investment outlook for the fourth-quarter of 2025, the US Bank team paints a picture of a world that can be dizzying for investors, with “voluminous and wide-ranging” news flow potentially confusing, but still an expectation that markets may have further to run at this time. But, they noted that diversified investors have been…
New Law Fundamentally Changes Rules for Many Massachusetts Employers On October 29, 2025, the Massachusetts Pay Transparency Law (M.G.L. c. 149, § 105F) goes into full effect. This law fundamentally changes the rules for hiring, promotions, and compensation discussions for many Massachusetts employers. The law does not directly apply to smaller insurance agencies. However, the law may, in practice, materially affect the effectiveness of exempt agencies’ job offers. To compete, exempt agencies may have to voluntarily adopt the law’s salary disclosure requirements. (See below). For insurance agencies and their commercial clients who are not exempt and have not yet prepared,…