# M3 Insurance

> M3 handles the insurance, employee benefits, and risk management needs of clients across a wide array of industries\.

Generated by Yoast SEO v28.7, this is an llms.txt file, meant for consumption by LLMs.

## Pages
- [About M3](https://m3ins.com/about-m3/)
- [Contact M3](https://m3ins.com/contact-m3/)
- [Privacy Policy](https://m3ins.com/privacy-policy/)
- [Insights: Property \& Casualty](https://m3ins.com/insights-property-casualty/)
- [Insights: Alert](https://m3ins.com/insights-alert/)
- [Insights: Article](https://m3ins.com/insights-article/)
- [Insights: Compliance](https://m3ins.com/insights-compliance/)
- [Insights: Cyber](https://m3ins.com/insights-cyber/)
- [Insights: Employee Benefits](https://m3ins.com/insights-employee-benefits/)
- [Insights: Financial Services](https://m3ins.com/insights-financial-services/)
- [Insights: Awards and Accolades](https://m3ins.com/insights-awards-and-accolades/)
- [Insights: Captives](https://m3ins.com/insights-captives/)
- [Insights: Construction \& Real Estate](https://m3ins.com/insights-construction-real-estate/)
- [Insights: Education](https://m3ins.com/insights-education/)
- [Insights: Government](https://m3ins.com/insights-government/)
- [Insights: Financial Institutions](https://m3ins.com/insights-financial-institutions/)
- [Insights: Medicare](https://m3ins.com/insights-medicare/)
- [Insights: Personal Lines](https://m3ins.com/insights-personal-lines/)
- [Insights: HR Services](https://m3ins.com/insights-hr-services/)
- [Insights: Individual Health](https://m3ins.com/insights-individual-health/)
- [Employee Benefits](https://m3ins.com/employee-benefits/)
- [Property \& Casualty](https://m3ins.com/property-casualty/)
- [Medicare](https://m3ins.com/medicare/)
- [Individual Health](https://m3ins.com/medicare/)
- [Personal Lines](https://m3ins.com/personal-lines/)
- [HR Services](https://m3ins.com/hr-services/)
- [Cyber Liability](https://m3ins.com/cyber-liability/)
- [Small Business](https://m3ins.com/small-business/)
- [International](https://m3ins.com/international/)
- [ESOPs](https://m3ins.com/esop/)
- [Horizon: 2026 Property \& Casualty Report](https://m3ins.com/horizon/)
- [Financial Services](https://m3ins.com/financial-services/)
- [Surety](https://m3ins.com/surety/)
- [M\&A Risk Solutions](https://m3ins.com/ma-risk-solutions/)
- [Broker Analytics](https://m3ins.com/pharmacy-solutions/)
- [Trade Credit Insurance](https://m3ins.com/trade-credit-insurance/)
- [Join Our Team](https://m3ins.com/join-our-team/)

## Posts
- [Employer Toolkit for COVID\-19 Policies](https://m3ins.com/covid19-vaccination-mandate-toolkit/): This M3 Employer Toolkit contains resources, samples, and templates your organization can use to implement COVID\-19 policies\.
- [COTF: HIPAA NPP Changes](https://m3ins.com/cotf-hipaa-changes/): A key HIPAA compliance deadline is coming\. Employers sponsoring self\-funded health plans must update their Notice of Privacy Practices by February 16, 2026\. In this episode of Comply on the Fly, learn what’s changing under 42 CFR Part 2, when notices are required, and how to update them without unnecessary complexity\.
- [COTF: Part D Creditable Coverage Changes](https://m3ins.com/cotf-med-partd-cred-coverage/): CMS has issued new guidance simplifying Medicare Part D creditable coverage disclosures for account\-based plans\. In this Comply on the Fly episode, Karen Breitnauer explains what the 2027 changes mean for FSAs, HRAs, and ICHRAs and where employers and HR teams should focus now to avoid compliance gaps next plan year\.
- [Twin Cities, Two Roads Forward](https://m3ins.com/twin-cities-two-roads-forward/): Minnesota employers are facing some of the steepest small‑group health insurance increases in years\. As costs continue to rise, organizations are reaching a critical decision point\. This article explores two emerging paths forward — leveraging healthcare captives for greater control or adopting an ICHRA model for predictable budgeting and employee choice\.
- [The 2027 Health Insurance Wake\-Up Call: What Midwest Employers Need to Know ](https://m3ins.com/the-2027-health-insurance-wake-up-call-what-midwest-employers-need-to-know/): CHOICE Arrangements \(formerly ICHRA\) are gaining attention among employers seeking cost predictability and employee choice in health benefits\.

## News
- [Megan Belter Named 2026 Wisconsin Outstanding CSR of the Year](https://m3ins.com/news/megan-belter-outstanding-csr-year-2026/)
- [M3 Foundation Announces Leadership Transition, Honors Outgoing President Beth Dettman and Welcomes Matt Cranney](https://m3ins.com/news/m3-foundation-announces-leadership-transition-honors-outgoing-president-beth-dettman-and-welcomes-matt-cranney/)
- [M3 Names Ryan Beduhn Managing Director of Minnesota ](https://m3ins.com/news/m3-names-ryan-beduhn-managing-director-of-minnesota/)
- [Lindsey Henry Named 2024 WI CSR of the Year and Promoted to M3 Client Executive](https://m3ins.com/news/lindsey-henry-named-2024-wi-csr-of-the-year-promoted-m3-client-executive/): Lindsey Henry has been named the 2024 WI CSR of the Year by PIAW and recently promoted to client executive at M3 Insurance\.
- [M3 Named One of the Best Places to Work in Insurance for 2026](https://m3ins.com/news/m3-named-best-places-to-work-in-insurance-2026/)

## People
- [Mike Victorson](https://m3ins.com/person/mike-victorson/)
- [Jen Pino\-Gallagher](https://m3ins.com/person/jen-pino-gallagher/)
- [Kelly Tyriver](https://m3ins.com/person/kelly-tyriver/)
- [Brad Reitzner](https://m3ins.com/person/brad-reitzner/)
- [Kelsey Stacks](https://m3ins.com/person/kelsey-stacks/)

## Events
- [OSHA 10\-Hour General Industry Fall 2026 Training](https://m3ins.com/events/osha-10-hour-general-fall-2026-training/): Workplace safety expectations are not getting easier to manage\. This OSHA 10\-Hour General Industry training is designed to help your team better recognize hazards, understand requirements, and build a stronger safety culture\.
Join us November 12\-13 for a practical, real\-world training led by M3 risk management professionals\. Participants will receive an OSHA 10\-Hour General Industry Certificate of Completion card\.
- [September Compliance Webinar](https://m3ins.com/events/september-compliance-webinar/): Join M3’s compliance team on September 30 from 2:00–3:00 pm for our monthly live webinar covering the latest regulatory updates, key reminders, and compliance considerations impacting employers\. Designed for HR, benefits, payroll, and risk leaders, this session helps you stay informed, prepared, and confident in a shifting regulatory landscape\.
- [Compliance in Practice: Fall ACA Compliance Seminar \| Madison PM](https://m3ins.com/events/compliance-in-practice-fall-aca-compliance-seminar-madison-pm/): Join M3's ACA Compliance Seminar Series and gain practical guidance on ACA reporting, affordability, employer responsibilities, and compliance best practices for HR and benefits professionals\.
- [Compliance in Practice: Fall ACA Compliance Seminar \| Madison AM](https://m3ins.com/events/compliance-in-practice-fall-aca-compliance-seminar-madison-am/): Join M3's ACA Compliance Seminar Series and gain practical guidance on ACA reporting, affordability, employer responsibilities, and compliance best practices for HR and benefits professionals\.
- [Financial Fitness: Investing Basics](https://m3ins.com/events/financial-fitness-investing-basics/)

## News Types
- [Media Release](https://m3ins.com/news-type/news/)
- [Awards and Recognition](https://m3ins.com/news-type/awards-recognition/)

## Tags
- [pharmacy](https://m3ins.com/events/tag/pharmacy/)
- [population health](https://m3ins.com/events/tag/population-health/)

## Optional
- [Sitemap index](https://m3ins.com/sitemap_index.xml)