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The days of compartmentalizing physical, mental, financial and emotional well-being are over. In 2025, organizations are adopting a holistic approach that considers the entire employee. Expanding all aspects of wellness support is meant to help meet workers’ needs and expectations. While organizations may have already increased their mental health support in the past few years, some are now pivoting and ramping up financial wellness efforts in 2025.

This article highlights four employee wellness trends to monitor in 2025.

1. Addressing Employee Burnout

Many of today’s workers are burnt out; a recent report by a talent advisory firm DHR Global revealed that 82% of employees are experiencing burnout. While health experts used to correlate remote work with positive mental health benefits, in 2025, they’re predicting equal levels of stress and burnout regardless of working location. So, unfortunately, employers shouldn’t expect employee burnout to disappear anytime soon.

Top drivers of employee burnout include long hours (58%), overwhelming workloads (35%), and difficulty balancing work and personal life (34%), according to DHR Global’s report. Burnout can be caused by stress, so employers are also looking at how stress shows up in the workplace and impacts employees. A recent survey by corporate wellness platform Wellhub found that nearly half (47%) of workers identify work stress as the primary cause of their deteriorating mental health—and that was consistent across most generations. Baby boomers are more concerned about inflation, while Generation Z, millennials and Generation X agreed that work stresses them out the most.

In an effort to prevent and alleviate rising levels of stress and burnout, more organizations are prioritizing flexible work arrangements, mental health days, realistic workload expectations and designated downtime to help employees maintain a healthy work-life balance. Employee assistance programs (EAPs), counseling services, stress management workshops and digital platforms for mental health assistance are increasingly becoming key components of workplace wellness initiatives. More employers are also investing in resources to destigmatize mental health (e.g., anti-stigma campaigns, mental health literacy training and EAPs) and foster a culture where employees feel comfortable seeking mental health support.

2. Prioritizing Financial Wellness

Money is a significant stressor for employees, and concerns have been exacerbated by prolonged inflation pressures over the past couple of years, growing debts and skyrocketing medical costs. In fact, more than 6 out of 10 Americans currently live paycheck to paycheck. PYMNTS Intelligence data also revealed that people say the top reason is that they don’t earn enough. While many organizations’ budgets are prepared for salary increases in 2025, they may still be insufficient to keep up with inflation.

Moreover, health care costs will once again increase substantially this year. Add all these financial responsibilities up, and it’s no wonder that workers today are worried about how they will earn a living and pay their bills.

Employers can help reduce employees’ financial stress by exploring financial wellness resources and support options and offering attractive programs for current and prospective employees. In addition to raising wages and offering competitive benefits, employers are exploring financial wellness resources, such as emergency savings funds, retirement savings, financial literacy workshops and one-on-one financial counseling. Financial wellness is a critical component of well-being and can be a competitive offering, especially as workers closely examine their salaries, medical bills and everyday expenses. Today’s workers are not only asking for but now expecting these lifelines from employers.

3. Engaging Employees Through Social Connections

According to Gallup, employee engagement in the United States reached an 11-year low in 2024. Additionally, employee satisfaction returned to a record low, and workers are seeking new job opportunities at the highest level since 2015. Organizational changes (e.g., team restructuring, additional job responsibilities and budget cuts) often cause employees to feel frustrated or disconnected from their jobs. Remote and hybrid work models can also make employees feel physically distant from their colleagues and teams.

While employee quit rates haven’t increased yet, a troubling trend is at play. Workers are staying with their current employers but feel more disconnected than ever. Gallup has coined this new era as “the Great Detachment.” Before workers start switching employers by the masses in 2025, organizations have an opportunity to reengage their workforce and rebuild employee commitment. Some ways to accomplish this can be by confirming organizational priorities and, if needed, resetting work expectations. More than ever, workers want to feel like their work is meaningful and has a purpose, which can further motivate them. Managers and supervisors can help direct reports connect their contributions to a mission or purpose.

4. Personalizing Wellness Programs With AI and Data

Recent technological advancements in employee wellness incorporate digital health platforms, wearable technology, artificial intelligence (AI) solutions and data analytics. More employers will explore leveraging technology to personalize employee wellness benefits.

Technology can enable real-time health monitoring, personalized wellness plans and immediate, 24/7 access to health resources and services. Virtual health platforms can help overcome barriers to health care access. With AI, organizations can also gather data on employee health metrics, work habits, stress levels and preferences. This kind of data can be used to customize wellness recommendations and detect or manage health issues. Nutrition, exercise, mental health and stress management are different for everyone, so AI and data analytics can help tailor support to match each person’s unique needs. As AI becomes more commonplace in 2025, technology has the potential to help personalize and improve employees’ well-being experiences and encourage preventive care.

Summary

This renewed focus on holistic wellness is not just a trend; it’s a fundamental shift in how companies approach employee care. By prioritizing mental, emotional and financial well-being in health and wellness initiatives, organizations can create a supportive culture that encourages education, open conversations and utilization of available resources.

Organizations can start by evaluating current wellness initiatives and considering ways to improve them. To ensure offerings and investments resonate with the workforce, it can be helpful to survey employees first to see what they find most valuable and necessary for their overall well-being. Contact our Vice President of Life and Health, Mike Holley at mike.holley@dimondbros.com or your Dimond Bros. agent for more wellness-related workplace guidance.

This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice.

At Dimond Bros. Insurance, we understand that filing an insurance claim can be a stressful experience. Whether it’s due to an accident, damage to your property, or any other unexpected event, knowing what steps to take can make the process smoother and less overwhelming. Here are some helpful tips to guide you through the process when you experience a claim.

1. Stay Calm and Ensure Safety

First and foremost, ensure the safety of yourself and others involved. If there are any injuries, seek medical attention immediately. Safety should always be your top priority.

2. Document Everything

Take detailed notes and photographs of the damage or incident. This documentation will be invaluable when you file your claim. Be sure to capture the extent of the damage, the circumstances surrounding the event, and any other relevant details.

3. Notify Your Insurance Company

Report a claim as soon as possible. Provide all the necessary information, including your policy number, a description of the incident, and any documentation you have gathered. Prompt notification can help expedite the claims process.

4. Cooperate with the Adjuster

An insurance adjuster will be assigned to assess the damage and determine the extent of the coverage. Cooperate fully with the adjuster, providing any additional information or documentation they may require. This will help ensure a fair and accurate evaluation of your claim.

5. Understand Your Policy

Familiarize yourself with the terms and conditions of your insurance policy. Understanding what is covered and any applicable deductibles or limitations will give you a clearer picture of what to expect during the claims process.

6. Keep Records of Communication

Maintain a record of all communications with your insurance company, including emails, phone calls, and any written correspondence. This can be helpful if there are any disputes or misunderstandings later on.

7. Follow Up

Stay in touch with your insurance company and follow up on the progress of your claim. Don’t hesitate to ask questions or seek clarification if something is unclear. Being proactive can help ensure that your claim is processed efficiently.

8. Seek Professional Advice if Needed

If you encounter any difficulties or have concerns about your claim, consider seeking advice from a professional, such as a public adjuster or an attorney. They can provide guidance and support to help you navigate the claims process.

At Dimond Bros. Insurance, we are committed to providing exceptional service and support to our clients. If you have any questions or need assistance with a claim, please don’t hesitate to reach out to us.

Remember, filing a claim doesn’t have to be a daunting task. By following these tips and staying organized, you can ensure a smoother and more efficient claims experience.

As cyberattacks become more frequent and costly, it’s crucial for organizations to maximize their financial protection against related losses by purchasing sufficient insurance. Cyber coverage, also known as cyber liability insurance, can help organizations pay for a range of expenses that may result from cyber incidents—including (but not limited to) data breaches, ransomware attacks and phishing scams.

Specific cyber insurance offerings differ between carriers. Furthermore, organizations coverage needs may vary based on their particular exposures. In any case, cyber insurance agreements typically fall into two categories: first-party coverage and third-party coverage. It’s best for policyholders to have a clear understanding of both categories of coverage in order to comprehend the key protections offered by their cyber insurance. This article highlights the value of cyber insurance by outlining common first- and third-party coverage offerings.

First-party Coverage

First-party cyber insurance can offer financial protection for losses that an organization directly sustains from a cyber incident. Covered losses generally include the following:

• Incident response costs—This coverage can help pay the costs associated with responding to a cyber incident. These costs may include utilizing IT forensics to investigate the breach, restoring damaged systems, notifying affected customers and setting up call center services.
• Legal costs—Such coverage can help pay for legal counsel to assist with any notification or regulatory obligations resulting from a cyber incident.
• Data recovery costs—This coverage can help recover expenses related to reconstituting data that may have been deleted or corrupted during a cyber incident.
• Business interruption losses—Such coverage can help reimburse lost profits or additional costs incurred due to the unavailability of IT systems or critical data amid a cyber incident.
• Cyber extortion losses—This coverage can help pay costs associated with hiring extortion response specialists to evaluate recovery options and negotiate ransom payment demands (if applicable) during a cyber incident.
• Reputational damage—Such coverage can help pay for crisis management and public relations services related to a cyber incident.

Third-party Coverage

Third-party cyber insurance can provide financial protection for claims made, fines incurred, or legal action taken against an organization due to a cyber incident. Types of third-party coverage usually include the following:

• Data privacy liability—This coverage can help recover the costs of dealing with third parties who had their information compromised during a cyber incident. These costs may include handling third-party lawsuits or legal disputes, offering credit-watch services and providing additional compensation.
• Regulatory defense—Such coverage can help pay fines, penalties and other defense costs related to regulatory action or privacy law violations stemming from a cyber incident.
• Media liability—This coverage can help reimburse defense costs and civil damages resulting from defamation, libel, slander and negligence allegations associated with the publication of content in electronic or print media. Multimedia liability coverage can also offer protection amid copyright, trademark or intellectual property infringement incidents.

Conclusion

As a whole, it’s evident that cyber insurance can make all the difference in helping organizations avoid large-scale financial losses amid cyber incidents. It’s best for organizations to consult trusted insurance professionals to discuss their particular coverage needs. Contact us today for more risk management guidance and coverage solutions.

Today’s technology is as integral to farming as rain and sunlight. Modern farming is a marvel of innovation, from tractors driven by GPS satellites to sophisticated irrigation systems controlled by smartphones. But with these advancements comes a new risk: cyber threats. Protecting your farm from digital dangers is just as crucial as guarding it against pests and natural disasters. This is where cyber insurance comes in.

Understanding Cyber Threats on the Farm

At first glance, a farm might seem an unlikely target for cybercriminals. However, the reality is quite different. Farms increasingly depend on technology for efficient operations, making them susceptible to cyberattacks. Here are some potential threats:

1. System Hacking: Unauthorized access to your farm’s data and control systems can lead to disastrous consequences. Imagine if someone took control of your irrigation system or altered the settings on your automated milking machines.
2. Data Breaches: Sensitive information, including financial records and proprietary data, can be stolen and used maliciously.
3. Ransomware: This type of malware encrypts your data, rendering it inaccessible until the attacker demands a ransom.

The Role of Cyber Insurance

Cyber insurance is designed to help protect your farm against digital threats. Here are some reasons why it’s essential:

1. Financial Protection: In a cyberattack, costs can quickly increase. Cyber insurance provides a financial safety net, whether it’s paying a ransom or covering the expenses of restoring your systems.
2. Data Recovery: Losing access to critical data can cripple your operations. Cyber insurance often includes services to help recover and restore lost data.
3. Legal and Regulatory Compliance: A cyberattack could expose you to legal liabilities and compliance issues. Cyber insurance can cover legal fees and regulatory fines.
4. Expert Support: Many cyber insurance policies offer access to cybersecurity experts who can help you prevent attacks and recover from them if they occur.

A Real-Life Example

Take the case of a large dairy farm that relies on automated milking systems. When the farm’s network was hacked, the attackers took control of the milking machines, halting operations and leading to significant financial losses. With a robust cyber insurance policy in place, the farm was able to cover the costs of the ransom, restore the systems, and receive expert guidance to prevent future incidents.

Steps to Secure Your Farm

While cyber insurance is crucial, it’s also important to take proactive steps to protect your farm:

1. Keep Software Updated: Ensure all your systems and software are regularly updated to protect against vulnerabilities.
2. Educate Your Team: Train your employees on the importance of cybersecurity and best practices to avoid falling victim to phishing attacks or other schemes.
3. Use Strong Passwords: Implement robust password policies and use multi-factor authentication.
4. Backup Data Regularly: Make sure you have current backups stored in a secure location.

Conclusion

As technology transforms farming, protecting your operations from cyber threats is more critical than ever. Cyber insurance is a powerful tool to help safeguard your livelihood, giving you peace of mind in an increasingly digital world. By taking proactive measures and investing in a comprehensive cyber insurance policy, you can ensure that your farm remains resilient and productive, no matter what cyber challenges come your way.

Ready to protect your farm from cyber threats? Contact one of our Farm Team Members today to learn more about the right cyber insurance policy for your needs.

Sincerely,

Scott Jensen
Vice President of Farm and Ag Services- Partner

In today’s complex healthcare environment, clear communication about employee healthcare plans is essential. As organizations strive to create a culture of transparency and support, effective communication can empower employees to make informed health decisions. Here are some reasons why prioritizing communications about healthcare plans is crucial for employers:

• Enhances Understanding and Participation: Clearly explaining the components of healthcare plans including premiums, deductibles, and co-pays—enables employees to understand what services are covered. When employees comprehend their healthcare options, they are more likely to enroll and utilize the benefits provided by their employer, which can lead to better health outcomes through active participation in wellness programs and preventative care initiatives.
• Facilitates Informed Decision-Making and Reduces Confusion: By providing regular updates about benefits, including any changes or enhancements, employees can make informed choices that fit their individual healthcare needs. Hosting Q&A sessions or informational webinars creates an open line of
communication, allowing concerns to be addressed and reducing misunderstandings.
• Drives Employee Satisfaction and Cultivates a Culture of Health: Transparent communication about healthcare plans showcases an organization’s commitment to valuing its employees and their well-being. This fosters trust and enhances job satisfaction, contributing to higher retention rates. Moreover, ongoing education encourages employees to prioritize their health, reinforcing a workplace culture that supports collective health initiatives.
• Addresses Concerns Related to Changing Healthcare Policies: In a rapidly evolving healthcare landscape, informing employees about regulatory changes or policy updates is vital. Timely communication can alleviate anxiety and uncertainty, ensuring that employees feel supported amid transitions.

In conclusion, prioritizing effective employee communications regarding healthcare plans is essential for fostering a healthy, engaged, and informed workforce. By enhancing understanding, encouraging participation, and addressing concerns, organizations can create an environment where employees feel empowered to take charge of their health. Investing in these communication efforts not only strengthens employee satisfaction and retention but also contributes to a healthier organization overall. Let’s prioritize clear communication and work together to build healthier workplaces!

For additional information regarding strategies for employee communication, please contact Mike Holley, Vice President – Life & Health for Dimond Bros Ins.

It’s not uncommon for rental car agencies to offer you the opportunity to purchase additional auto coverages on your rental, but do you need them? We have the answers!

Why Car Rental Insurance?

The best time to make the decision about whether you will need extra rental car insurance is before you’re standing at the car rental counter.

Collision Damage Waiver (CDW), or Loss Damage Waiver (LDW), relieves you of financial responsibility if your rental car is damaged or stolen. If you have comprehensive and collision on your own car, you most likely do not need to purchase CDW from the rental car agency. Additionally, your credit card company may include some collision and theft protection if the rental car is paid for with your card. If your credit car doesn’t offer coverage for loss of use, you may want to consider purchasing CDW from the rental agency.

Liability insurance provides excess liability coverage of up to $1 million for the time you rent a car. Rental companies are required by law to provide the minimum level of liability insurance required by your state. If you have adequate liability coverage on your car or an umbrella policy on your home/auto, you may consider forgoing this additional insurance.

Renting Outside the U.S.?

In general, your U.S. Auto Insurance does not cover you abroad. Car rental agencies overseas usually provide auto insurance, but in some countries, the required coverage is minimal. When renting a car overseas, consider purchasing insurance coverage that is at least equivalent to that which you carry at home.

Auto Policy Options

If you don’t have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident. Collision coverage pays for damage to the car you’re driving if you crash into another car or object, or the car rolls over.

A non-owner auto liability insurance policy covers you for the damage that you may cause to someone else’s property and liability in the event of an accident. The policy will also provide medical payments coverage for you and your passengers, and under-insured and uninsured coverage. This pays for the cost of an accident involving a hit-and-run driver or a driver who has little or no insurance.

If you drive an older vehicle, but plan to rent a luxury vehicle, make sure that your policy will cover the complete cost of the replacement value of the vehicle you are renting.

An umbrella liability policy is also an option to meet the underlying auto insurance policy requirements when renting a vehicle.

Finally, if you are renting a vehicle that is not classified as a passenger car (such as a moving truck, 15-passenger van, etc.), you must purchase a separate policy from the rental company to be covered in that vehicle.