On October 31, 2025, Kleve Insurance officially becomes part of the Hummel Group, a respected insurance and financial services firm headquartered in Berlin, Ohio. This transition marks a thoughtful and heartfelt decision by President David Kleve, who has led the agency since 1989 and is preparing for retirement.

Employee discipline is a necessary but often fraught element of workforce management. Disciplinary action taken in lieu of immediate termination can help mitigate the risk of potential wrongful termination claims.

Vicki Conn and the nondenominational ministry she leads are on a big mission—to transform lives and communities in the name of Christ.

The Medicare Annual Enrollment Period (AEP) is underway, running from October 15 to December 7. This crucial window, often called “open enrollment,” allows beneficiaries to evaluate their health insurance options and make necessary changes.

How Much of Your Retirement Income is Unprotected?

To maintain a passion for leading others well, we must be mindful of ourselves and what we do to continuously fill our cups and be a light to others around us.

Andy Yost, Employee Benefits Risk Advisor at Hummel Group, advocates for both employers and employees navigating the cost and complexity of health insurance.

The wise investor will base their investment decisions on their personal financial plan, not the noise.

Leaders who believe they have all the answers and believe they are the reason for the success of their company are at risk of leading their organizations into decline. I believe one way hubris is displayed is the absence of curiosity and thus the lack of desire to better understand.

To deal with the ongoing, seemingly never-ending rise in health care costs, employers need to keep reevaluating how they fund their health insurance programs and the type of programs they offer.

Captive insurance is a self-insurance strategy where a business forms its own insurance company to transfer specific risks from their operating company to the captive insurance entity. Instead of paying premiums to a traditional insurer, businesses use captive insurance to retain more control over their risk management and financial strategies.

We are thrilled to announce that as of January 1, 2025, King Insurance & Surety will officially become part of the Hummel Group and Ramsburg Insurance.

Learn what buy-sell insurance is and why business partners should consider it.

How the volunteer mentors of OHuddle are transforming the lives of at-risk students in Wayne County schools.

AG Tourism: A Growing Market With Unique Risks

Shane Humphrey, Business Risk Advisor at Hummel Group, brings his experience from farm life, the classroom, and the basketball court to the agribusiness industry.

A review of the book Elon Musk by Walter Isaacson.

Benefits of business generosity and how you can cultivate it in your own organization.

Innovations in treating chronic and complex conditions have eased people’s pain and improved their quality of life, but as with anything involving health care, there are signifi cant costs involved, and they keep rising. These innovations are known as specialty drugs. Capable of treating rare or complex conditions, such as cancer, Alzheimer’s disease, multiple sclerosis, and rheumatoid arthritis, one specialty medication can cost an individual—and subsequently their employer—tens of thousands of dollars in one year.

Examples of how roof claims could be paid in a potential claim situation if your roof coverage is ACV/Limited Loss Settlement vs if your wind/hail deductible has increased.

The Wind/Hail Deductible is a separate deductible applied to your home policy in case of a loss due to wind or hail.

Limited Loss Settlement is similar to Actual Cash Value coverage in that it considers the roof's age and condition and may pay less than the full cost of replacement. Where it differs from Actual Cash Value is that the payout is based on a percentage that the company assigns to the type and age of the roof.

Learn about how roof coverage is changing and the difference between replacement coverage and actual cash value.

Three impactful trends regarding roof coverage that will affect all homeowner

How the impact of weather events is changing the way insurance companies pay for roof damage claims due to wind and hail.

How to Find the Best Life Insurance Coverage

Trucking Insurance Trailer Coverage Explained by a Transportation Risk Specialist

How to Best Insure Your Business in the Shooting Sports Industry

How to Choose Between Traditional Copay vs High Deductible

Understanding Employee Benefits Liability

What is an Underwriter and Their Role Explained by a Business Risk Advisor.

Discussing Health Risk Changes with a Benefit-Risk Advisor

Understanding Health Reimbursement Arrangements (HRAs)

When Creating a Business Plan, Where Does Insurance Fit?

Understanding the Essentials of Federal Filings and MCS-90

Understanding Ordinance or Law Coverage

What is a Backdoor Roth IRA?

A look at the no surprise act as a benefit risk advisor.

The Value of Health Savings Accounts

How to Protect Your Assets with Inland Marine Insurance

Reviewing How to Get Protection for Sexual Misconduct Liabilities

What Funding Strategies Are Available for You

Considerations of Business Income and Extra Expense

An Overview of Referenced-Based Pricing

Understanding what is covered in a water damage claim

A Deep Dive into What Exactly the Co-Insurance Clause Covers

A Conversation with One of Our Benefit-Risk Advisors

How Hank Reifsnyder draws on past challenges and personal tragedy to help his clients.

I’m a creature of habit. You’re a creature of habit. The question is: are your habits helping or hindering you?

We surveyed 400 of our commercial clients to discover how 2023 was for their business and how they’re feeling about 2024. Here are the results.

Navigating the delicate dance of work-life balance is challenging. Hummel not only aims to exceed expectations in the industry but also places a profound emphasis on fostering a unique culture—endearingly termed “harmony and hustle.”

As we put the finishing touches on what was another back-and-forth yet pleasantly surprising year in the financial markets, it is time to shift our focus to the most wonderful season of all—TAX TIME!

A discussion on handling dysfunction as a leader.

The potential benefits of captive insurance—More control over insurance coverage terms and pricing while being the beneficiary of your own good loss history by retaining unused premium dollars —make it a compelling consideration for many companies.

A brief review of the 2024 Commercial Insurance Market Outlook

The federal Fair Labor Standards Act (FLSA) requires employers to compensate their employees for all hours of work. To comply with this requirement, employers must keep track of the number of compensable hours employees work during a workweek.

Branches Worldwide is empowering entrepreneurs to impact communities globally and transforming lives and communities, one partnership at a time.

Understand factors influencing pricing and coverage and how you can help guide your company through our current hard market.

Why clarity is a critical leadership trait and how it can be developed to better lead an organization.

We surveyed individuals in a wide range of industries, ages, and careers to see how people feel about AI and its impact on the world.

Gain insight on cybersecurity, the future of technology, and the one thing business owners must do to secure their networks.

Artificial intelligence (AI) has rapidly evolved in recent years, revolutionizing numerous industries and transforming the way we live and work. As AI technologies continue to advance, they have the potential to disrupt major industries, presenting both risks and benefits to humanity.

Interest rates have been firmly in the driver’s seat of this back-and-forth market we have found ourselves in for the last 18 months or so. Before we can dig into HOW they have been swinging this market, we must first understand WHY they are rising in the first place - INFLATION.

Individuals who have a High Deductible Health Plan (HDHP) –and only have HDHP coverage...

Flu season is right around the corner! Those with Medicare Part B can receive...

At Hummel, providing exceptional service & expertise for our clients has been our focus since...

Medicare Part D, also called Medicare drug coverage or stand-alone Prescription Drug Plans...

There are 6,000 retail bakeries and nearly 3,000 commercial bakeries across the US that generate approximately...

On average, 2.8 out of 100 workers in the US are injured in workplace accidents every year...

The Health Insurance Marketplace®, also just called the Marketplace, allows people who...

Does Medicare cover dental, vision, and hearing services? The simple answer is...

If you have multiple forms of insurance, it’s important to coordinate your benefits...

When you become eligible for Medicare, you have several decisions to make, including...

It’s difficult to keep track of what each part of Medicare covers. Here’s an overview...

The American Trucking Association reports that over 72% of all freight tonnage moved in the U.S...

Imagine this: You've invested your heart, soul, and finances into your commercial farming business...

Having the right insurance is important in the manufacturing industry...

Imagine you've poured your heart and soul into starting your business...

Do you need assistance paying for your prescription costs? Extra Help...

With over half of the senior executives in the U.S. worried about "risk and compliance"...