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Health Care Reform
Supreme Court Will Review Health Care Reform Law in 2012
A number of legal challenges to the health care reform law have been filed in federal court since the law was passed in March 2010.
HHS Affordable Insurance Exchange Basics
HHS Affordable Insurance Exchanges News Release
HHS Establishment of Exchanges and Qualified Health Plans
HHS Exchange Regulation Overview
2010 Health Care Reform Survey Results
2010 Health Plans Survey Results
IRS Increases Health Savings Account Limits
On May 17, 2011, the Internal Revenue Service (IRS) released IRS Notice 2011-32, which makes changes to Health Savings Accounts (HSAs) effective for calendar year 2012.
The Road Ahead: Shaping Health Care Strategy in a Post-Reform Environment: 2011 16th Annual Towers Watson/National Business Group on Health Employer Survey
Congress Repeals 1099 Reporting Requirements
On April 5, 2011, the Senate voted to repeal the Form 1099 tax reporting requirement that was included in last year’s health care reform law.
Final HIPAA Regulations Governing Wellness Programs
The Health Insurance Portability and Accountability Act (HIPAA) was originally signed into law in August 1996.
Rescissions
Many employers have asked for clarification of "rescission and what is allowable due to "normal course of business".
Spousal Carve Out and Waiver
Many medical plans are implementing either spousal carve out or spousal surcharge plans in an attempt to control health plan costs.
FMLA Fraud: An Employer Concern
Every year the Family and Medical Leave Act (FMLA) helps employees across the nation manage serious health issues and care for ill family members. With this comes a major frustration for employers – the suspected abuse or direct appearance of an employee using this leave inappropriately under FMLA. In fact, suspected employee abuse is the number one FMLA-related concern for employers – with more than 60 percent believing they have granted unfounded leave to employees in the past.
Risk Management
Recall Report: December 2011: Food Safety Law Gets $39 Million Funding For 2012
According to FoodNavigator-USA.com,* the majority of a $50 million increase in Food and Drug Administration (FDA) funding for fi scal 2012 will go toward implementing the Food Safety Modernization Act after a lobbying group backed by several food industry trade associations played a key role in infl uencing negotiations.
Recall Report: November 2011
In today’s challenging economy, many companies seek to cut costs. Doing so is intended to improve a company’s bottom line, but in some cases, the move backfi res and ends up costing the company more and increasing exposures in some areas.
Recall Report: September 2011
September 13, 2011 - The U.S. Department of Agriculture announced that it is taking new steps E. coli and protect the safety of the American food supply.
I've Got Product Recall Insurance ... Don't I?
Product Recall expenses are excluded from all standard general liability policies, and that gap in coverage can only be addressed via endorsement or by purchasing a stand-alone policy.
ER—What? How Enterprise Risk Management (ERM) Enhances Your Insurance Investment by Reducing Risk
Are you a middle-market organization who has heard about Enterprise Risk Management (ERM) but are left asking yourself “ER—what?”
Understanding the R&D Tax Credit
One presentation at the 2010 Prepared Foods’ R&D Applications Seminar-Chicago provided insights into how some companies may be missing out on an important way to reduce R&D costs - without cutting resources.
Commercial Umbrella Liability: What Limit Should I Carry?
One of the most common questions any Insurance Advisor will be asked is, how much umbrella or excess coverage should I carry for my business?
Valuation vs. Insurance: Finally Explained!
The Confusion: How many times have you heard a moving company representative refer to “valuation” as “insurance”.
Business Interruption Claims ... Made Easy?
Calculating a business interruption (BI) claim can be challenging, but before we get into a specific business interruption claim, let's look at some gerneral questions your adjuster will ask if you have a BI claim.
Lead Certification for Contractors
According to a change in Environmental Protection Agency (EPA) regulations, effective April 22, 2010, contractors performing renovation, repair and painting projects that disturb lead-based paint in homes built before 1978, child care facilities, and schools must be certified and follow specific work practices to prevent lead contamination.
The Dirty Little Secret of Noncumulation of Limits: As Respects D&O and Fiduciary Liability Policies
There is a little known secret within many directors & officers insurance policies. This dirty little secret is one that could significantly affect (and limit) the amount of insurance protection you think you are purchasing to protect the interests of your company and its executives.
Avoid Hiring Your Next Workers' Compensation Claim: Pre-Employment Strength Testing - Decreasing Costs and Improving Productivity
Have you ever hired an employee, to see them injure their knee weeks after being hired? Or tear a shoulder? Or throw out a back? Did you get the feeling that this may not be the first time they’ve injured themselves this way? Too often in the moving & storage industry, the answer is yes.
Insulating Yourself from Manufacturer's Liability
As a distributor of welding hard goods and other products, you sell a wide variety of items from a number of manufacturers.
Retail Packaging Association
Build a membership benefits program with true value for the member including the opportunity for cost savings. Create an association value proposition.
Property Insurance Values: It’s That Time Again
Every year companies go through the annual tradition of renewing their property insurance. Larger corporations have dedicated risk managers who are responsible for this transfer of risk, along with many other insurance related tasks...
Global Risk Management: When Disaster Strikes: Claims Case Study: The Buncefield Fuel Depot Explosion
At 6:01 a.m. on a cold December morning, the United Kingdom trembled when the Buncefield Fuel Depot in Hertfordshire, England suddenly exploded.
The Auto Collision Repair Industry: Moving Forward One Challenge at a Time
Workers’ Compensation Advantage
Many estimates state that as many as 50% of all business may be getting overcharged for their Workers’ Compensation Program...
Physician Employment Contracts and Medical Malpractice Tail Insurance:: A Necessary Evil to Address a Complex Issue
In today’s litigious society, physician employment contracts are a necessity. Generally, physician separations from group practices are amicable; however, more often than not there are other...
Would You Take This Job?: While I look after the corporation, who looks after me?
As an officer or director of a privately-held company...
Commercial Umbrella: Stand Alone or Follow Form?
The differences between stand alone and follow form umbrellas - finding what is best for your company.
Mass Tort Litigation Claims: Do You Know What Insurance Coverage You Had ... And When?
Some companies faced with litigation are being forced to recall their insurance carriers and policy coverages as far back as three decades. Best in class ways to retain information you need.
Private Company D&O: Why Going Without Will Hurt
The current world of “Executive, Financial and Professional Liability” is one that no privately-held company should take lightly.
A Look at Restaurants and Bars from the 'Inside-Out': Today’s complex restaurant environment needs the right list of insurance ingredients
When people get to talking about America's food hot spots, the same handful of cities come up again and again, including New York, Los Angeles and New Orleans, the epicenter of Cajun Cuisine.
Avoid Leaky Contractor Policies: Best Practices for Insurance and Indemnification Requirements
With the economy in its current state, many companies turn to renovations or repairs as an alternative to new buildings when their offices need more space or updates.
Complimentary Truck Accident Packet: A booklet for truckers to keep in their glove compartment, preparing them for accidents or other insurance issues.
Stealing From Within: Protect Your Company From Internal Fraud
With the current slow economy, many of us look to the future asking, “When will it get better?”
Vacant Buildings: A Side Effect of Downsizing
When asked about current economic conditions, especially related to downsizing, many CEOs cite concerns surrounding human resources issues.
Best in Class Approach to a Warehouseman's Lien Sale
Moving and storage companies commonly encounter customers that become delinquent on accrued long-term storage charges.
Non-Owned Autos: Why Employees Driving Their Own Vehicles Leaves You at Risk!
If your salespeople drive their own vehicles for work, you are at risk of financial liability in the case of an accident.
How Are Your Claims Managed?: The Financial Benefits of Claim Audits
Insurance companies have dramatically changed their claim management processes. If your current insurance broker does not have a claim professional acting on your behalf, you may be surprised...
Insuring Customer Satisfaction: Best Practices for Moving and Storage Companies
Best in class guidelines to follow that will ensure a smooth move and ultimately a satisfied customer.
Cover Your Cough: Poster
Download our Cover Your Cough poster to hang up as a reminder for your employees to stop the spread of germs that make you and others sick.
Data Breach: The Proper Insurance to Protect Identities... Including Yours!
According to a recent study, a security breach can cost an organization anywhere from $50 to $250 per record. This could cause a substantial setback for any company, and could easily put a small...
Claims: Report Timely to Avoid Pitfalls!
As an insured, you have a contractual obligation to report losses or incidents that could generate claims to your insurance carrier.
How a “SMALL Perk” Can Cause Big Problems: The 24-hour Company Car Exposure
Due to the difficulty of attracting and retaining talented employees, many companies are providing company cars to corporate officers, managers, and sales executives as a perk.
Managing Corporate Credit Risk: Use Insurance to Increase Your Bottom Line!
Roughly one-sixth of U.S. industrial firms’ assets are considered accounts receivable.* When receivables are managed appropriately, a company’s cash flow is positively impacted.
Employee Benefits
Spousal Exclusions on the Rise
To rein in rising health care costs, employers tell employees' working spouses to go elsewhere for insurance.
Wisconsin Simplifies Tax Law for Health Insurance Benefits to Adult Children
On November 7, 2011, Wisconsin Governor Scott Walker signed legislation conforming the Wisconsin income tax treatment of employer-provided health insurance benefits for non-dependent adult children under age 27 on December 31 to that of the federal income tax treatment of the same adult children.
WellCard Savings Discount Plan: Savings For You and Your Family
The WellCard Savings Discount Plan offers pre-negotiated health care discounts on a wide range of health services for you and your family.
Health Reform Employer Impact Analysis Tool
Now there is a tool to help employers analyze how various health reform changes will affect their unique situation.
Improve Your Organization's Mental Health: Favorably Adopting to Mental Health Parity Laws Effective January 2010
The Horton Group offers a full-service Employee Assistance Program (EAP) enabling employees and their families to access treatment resources.
Coordination of Medicare Reporting Impacts HRA's
The Centers for Medicare and Medicaid Services recently issued guidance under their Coordination of Benefits Agreement that may catch many employers who are managing Health Reimbursement Arrangements (HRA’s) by surprise.
ISMIE Mutual's Cyber-Liability Coverage
This coverage also provides peace of mind for patients. In the event of an unauthorized disclosure of security breach, patients will be offered TransUnion’s Interactive 3 in 1 credit monitoring at no cost, for up to 12 months.
Affidavit and Certification of Dependent Status
For purposes of employer-sponsored group health coverage, if an individual does not meet the Federal tax definition of a dependent, then the value of one single employee rate would be includable in the employee’s income for Federal tax purposes.
Illinois Religious Freedom Protection and Civil Union Act
The Illinois Religious Freedom Protection and Civil Union Act, was signed into law on Jan. 31, 2011 and is effective June 1, 2011.
Notice of Civil Union Rights
Effective June 1, 2011, the Religious Freedom Protection and Civil Union Act (the “Civil Union Law”) provides that both same-sex and different sex couples who enter into a civil union will have all of the obligations, protections and legal rights that are afforded under Illinois law to married heterosexual couples.
The Medicare Program: Who Pays First?: Know Who Pays First If You Have Other Health Insurance or Coverage
Fiduciary Liability Insurance: A Vital Safety Net
Picture this ... A physician dies unexpectedly, leaving behind a loving family, including his second wife and three children who are still in grade school.
Your Family Wants to Know: Have You Completed Your Advance Directives?
Onsite Health Clinics Improve Employee Health, Reduce Absenteeism: Health savings through onsite clinics
Employers are constantly looking for ways to control healthcare costs while maintaining healthy and happy employees. One concept transforming the face of health care is onsite...
Fiduciary Liability Insurance: An Organization's Most Vital Safety Net
The important differences among Employee Benefits Liability, Fiduciary Liability, Crime Coverage and Employment Practices Liability.
Form 5500 Annual Report of Employee Benefit Plan: Answering Who, What, When, Where, Why... and How?
Information regarding timing and requirements for Form 5500 through ERISA
The Bottom Line: Critical Illness Coverage
Learn about the benefits of Critical Illness coverage as a way to protect your executives and key employees.
Common Sense Savings: The Benefits of Switching to Generic Prescriptions
Prescription drugs account for a growing share of overall health care spending. Innovative prescriptions are proving to cut down health care costs.
Helpful Resources For Filing Form 5500
Filing Tips and Resources for Form 5500
Is Your Business Protected if an Owner Suffers a Major Disability?
Group disability income protection insurance protects basic income due to a disabling illness or injury. Discover how business owners can take full advantage of disability income planning in their...
Business Protection Using Life Insurance to Protect Against Financial Loss
There are a variety of tax-efficient and cost-effective tools for business owners and corporate executives to evaluate when planning for their companies. In the right situations, life insurance can...
Safety and OSHA
Avoiding Illegal Job Withdrawal Offers
The Equal Employment Opportunity Commission (EEOC) enforcement guidance states that an employer discriminates against a person on the basis of disability.
Pre-Employment Strength Testing: FAQs
A question and answer session regarding Pre-Employment Strength testing in the workplace.
Environmental and Workplace Safety Audits: Creating and Preserving Legal Privileges
Under the Obama Administration, many federal agencies, including the Occupational Safety and Health Administration (OSHA) and the United States Environmental Protection Agency (EPA) have redoubled their efforts to enforce existing laws and regulations.
OSHA Expansion Fall Hazard Liability for Host Employers
It is a fact of everyday business life that many employers will, from time to t is a fact of everyday business life that many employers will, from time to t is a fact of everyday business life that many employers will, from time to time, be required to engage outside contractors to perform a variety of services at the employer’s facility that the employer cannot perform with its own employees.
Wisconsin CCW Permit Update From Network Safety Consultants
The State of Wisconsin recently signed legislation into law becoming the 49th state that allows its citizens the right to carry a concealed weapon.
New OSHA Case Blurs Lines Between Employees and Supervisors During Inspections
On August 17, 2009, three journeymen electricians from M. C. Dean (“Dean”), an outside contractor, were servicing electrical installations at a warehouse owned by Ryder Transportation Services (“Ryder”).
Automated Tracking of All Employee Training
Don't Miss Critical Training Dates — Track Your Training Automatically with Training Track!
Extensive Safety, Risk Management, HR Policy, Training and Document Library
How does your Safety Library stack up?
Fully Automated Certificate of Insurance Tracking with COI Track
Manage your Certificates of Insurance before a problem occurs — with COI Track.
Injury and Incident Reporting with Incident Track
Reduce your claims by tracking your incidents using our incident management system, Incident Track.
Job Description Creation with Job Track
Make building Position Descriptions easy with Job Track.
Job Hazard Analyses (JHAs) easy with Job Track
This program also provides additional features, such as the ability to create Position Descriptions for proper hiring practices and an effective Return to Work Program!
Material Safety Data Sheet (MSDS) Management
Organize, manage, and provide access to your Material Safety Data Sheets with MSDS Software.
For the Record: OSHA Recordkeeping and Reporting Requirements and State Variations
In the universe of complex OSHA regulations that govern day-to-day operations and have a direct effect on employee safety, it is easy for OSHA’s more prosaic recordkeeping and reporting requirements to get lost in the shuffle.
District Court Creates Conflict Between Insurer and Insured Over Safety Inspection Reports
In July 2010, OSHA began an inspection of Haasbach, LLC following the deaths of two teenage workers at a Mt. Carroll, Illinois grain elevator.
OSHA Site-Specific Targeting: Are You On the List?: Inspection Program Targeting "The Most Dangerous Employers in the U.S."
In the good old days, OSHA inspections primarily occurred for one of four reasons: Employee complaints, severs accidents, observed OSHA violations and random inspections.
Mob Mentality as a Recognized Hazard: OSHA Citation Upheld for Employee Trampling Death
During a “Black Friday” sale at a Valley Stream, NY, Wal-Mart store, an employee was killed when a crushing mob of shoppers stormed the store.
Too Good To be True: Potential Pitfalls of OSHA Settlements
If your company has received citations from the Occupational Safety and Health Administration (OSHA), it may be tempting to accept the initial penalty reduction that the Agency offers and settle the matter quickly at the informal conference.
Employer Duty to Protect Employees Against Heat Hazards
As seasonal temperatures climb, employers must consider their potential liabilities for not protecting employees against the hazard of heat.
Shame On You: OSHA Regulations By Shaming
It is no secret that under the current administration, OSHA has been increasingly aggressive in its enforcement.
Distracted Driving: Employers Need To Keep Their Eyes on the Road
Employers whose businesses require the use of cars, vans or trucks must understand that their policies and training regarding the safe operation of those vehicles - and a prohibition against texting while driving - are of strong interest to OSHA, the law enforcement community, insurance carriers and potential civil litigants.
Electrical Safety: OSHA Citations Under NFPA 70E
Because electricity is present in every workplace, employers must focus on this potential hazard every time there is a power outage, equipment servicing and maintenance and modification of equipment and distribution systems.
Compression-Only CPR: What Should Be Taught in the Workplace?
Like it or not, we live in a 24/7 news cycle where health and medical stories, such as the benefits or dangers of coffee, seemingly change every other day...
OSHA Whistleblower Protection: Giving Sharper Teeth to a “Legal Dinosaur”
There is no question that the new Administration is cracking down on discrimination against whistleblowers. Critics of the prior Administration claim that OSHA’s handling of whistleblower claims was lagging, if not deficient, and led to inadequate protection for employees who raise legitimate safety and health concerns...
Successfully Defending an OSHA Fatality Citation
Workplace accidents can occur no matter how many precautions are taken to avoid them. Even employers who provide their employees with the safest possible place of employment must still, on occasion, deal with the unfortunate and sometimes tragic reality of workplace accidents...
OSHA Defense 101: Avoiding the OSHA Liability Pyramid
Avoid receiving multiple penalties and fines for the same offense.
Violence in the Workplace
As the pace and emotional pressures of everyday life impact employees at home and in the workplace, a distressing and tragic trend is occurring - employees are unable to control their emotions at...
Workers' Compensation
Understanding Preferred Provider Programs
On June 28, 2011 Governor Pat Quinn signed into law the Workers’ Compensation reform which had been passed by the Illinois legislature in May (House Bill 1698).
Illinois Workers' Compensation Reform Legal Update
You may have already heard the important news regarding the upcoming changes to the Illinois Workers’ Compensation Act.
2011 Illinois Workers' Compensation Reform: Full Version - Updated 5.27.11
Section 15: The Workers' Compensation Act is amended bychanging Sections 1, 4, 8, 8.2, 8.7, 11, 13, 13.1, 14, 18, 19,and 25.5 and by addingSections 1.1, 4b, 8.1a, 8.1b, 8.2a, 16b,18.1, 29.1, and 29.2 as follows...
Recent Illinois Court Decisions Could Affect How You Do Business
In a recent case, the Illinois Supreme Court ruled that agreements whereby employers of injured parties agree to indemnify others for liability arising from the employer’s negligence are not “insured contracts” as defined by a CGL policy.
NCCI Rating Revision Increases Impact on Employer Mods
Operating a business that has locations in or headquartered in Illinois affords your company many advantages.
Wisconsin Compensation Rating Bureau (WCRB) Revision Increases Impact on Employer Mods
The recent release of 2010-2011 Workers' Compensation rates and supporting rating factors has created a significantly high exposure to employers as it relates to larger claims and their impact on the modification factors of employers.
Developing Effective Preferred Provider Relationships
As a cost conscious employer, have you ever been frustrated by the lack of communication and control with medical providers when it comes to effectively managing workers compensation claims?
Are You Avoiding Hiring Your Next Workers' Compensation Claim?
Matching physical capabilities of applicants to physical job demands using pre-employment strength testing.
Controlling Workers' Compensation Claims and Costs
There are precautions you can take to minimize risk of hiring employees with a tendency toward Workers' Compensation claims.
Economic Downturn: Think Twice Before Laying Off Injured Workers
Difficult economic times have forced employers to limit workforce expenses. While looking to streamline employees, employers must be alert to increasing Workers' Compensation costs and additional...
Your employee is injured playing softball at the company picnic – Does workers’ compensation apply?
Company-sponsored summer events are just around the corner.
Avoiding Legal Headaches from Work-Related Injuries: A Guide for Coordinating the Laws of FMLA and Workers’ Compensation
Employers should take time to understand their duties and rights when combining the laws of the Family and Medical Leave Act (FMLA) and Workers' Compensation (WC).
Wisconsin Workers’ Compensation Act and an Employer’s Responsibility to Comply with Safety Regulations
The State of Wisconsin Labor and Industry Review Commission recently issued a decision regarding increased compensation...
Workers’ Compensation: Are Employees Covered When Commuting To and From Work?
In most states, an employee commuting to and from work is not considered in the course and scope of employment...
Horton Personal Insurance
Volume 2, Issue 1: Premium Increases: What To Expect and Why!
Many of the calls we receive revolve around premiums, and in many cases, a premium increase.
Volume 1, Issue 2: Facts, tips and tidbits about your personal insurance
Facts, tips and tidbits about your personal insurance. This issue also includes information on personal umbrella policies and replacement cost vs. market value.
Volume 1, Issue 1: Top ten facts about floods, protecting your valuables and umbrella policies
Flood and water damage to a home can be heartbreaking. Discovering you have no insurance coverage can be truly devastating. All homeowners’ policies have standard limitations and common exclusions.
Wellness
Setting Realistic Health Goals: Setting Practical Goals To Achieve Better Health
Whether it’s quitting smoking, exercising more or making healthier meal choices, setting realistic and specific health goals is your first step.
Holiday Stress: Sticking To Your Budget
The holidays are always a stressful time of year, and money problems are one of the leading causes of holiday stress for Americans.
Holiday Stress: Tips On Traveling Safer
The holiday season accounts for nearly 10 percent of all miles traveled by Americans during the entire year. Planes are overbooked and highways are overcrowded, making most of us hardly overflowing with holiday cheer.
Men's Health: Prostate Cancer
Prostate cancer is the most common type of cancer in American men, excluding non-melanoma skin cancers.
Women's Health: Breast Cancer
According to Breastcancer.org, all women are at risk for breast cancer – research estimates that one in eight women will be diagnosed with invasive breast cancer at some time in their lives. Learn more about the disease, risk factors and prevention tips.
Brain Exercise Game Instructions
Test Your Brain Power in 90 seconds! – We have posted three 30 second brain stimulating tests. Find out how health your brain is!
Worksite Wellness Plan for Brain Awareness
These are all simple, low or no cost interventions used to help raise awareness on brain health.
Brain Awareness: Use It or Lose It!
The brain’s capacity is enormous, yet many scientists suggest that we only use a small percentage of our brain. What are you doing to maximize your brain's potential?
Children's Health: Teach Healthy Eating Habits Early in Life
You know it’s important to feed your children a wide variety of healthy foods. But what if they are resistant to trying something new?
Inexpensive Ways to Get and Stay Healthy
Getting and staying healthy does not need to consume your budget each month. In fact, it won’t make much of a dent if you know where to save to get the most bang for your buck.
MyPlate Replaces the Food Pyramid
On June 2, 2011, the U.S. Department of Agriculture (USDA) released MyPlate, a new symbol for healthy eating that replaces the traditional food pyramid.
How do I learn my Basal Metabolic Rate?: What is it, and why should I care?
Receive a complimentary complete body composition analysis on a professional grade Tanita scale, courtesy of Horton Health Initiatives
Tanita Body Composition Analysis
Receive a complimentary complete body composition analysis on a professional grade Tanita scale, courtesy of Horton Health Initiatives
HHI $500 Rewards Info Sheet
Look around. There are easy ways to live a healthier lifestyle all over the place. The sidewalk? Your treadmill. The kids? Your training team. Fido? Your walking partner. With Virgin HealthMiles, getting active is not just another to-do, but a fun, easy way to earn rewards for living a healthy life. Learn more www.virginhealthmiles.com/HHI
Posture: The Importance of Office Ergonomics
The key to preventing work-related neck and back injuries is to evaluate your workstation and make sure it is ergonomically correct and promotes good posture.
Set Up Right, Sit Up Right: A Quick Guide to Planning a Comfortable Workstation
Having a well planned and designed computer workstation can help increase your energy, minimize stress and even boost morale.
Dental Care: Visiting the Dentist
A simple routine of brushing and flossing, in addition to regular dental checkups, can be enough to help prevent tooth decay, gum disease and bad breath.
Oral Health and Dental Wellness: Can Your Mouth Make You Sick?
Did you know that poor oral health can lead to many seemingly unrelated medical conditions?
Virgin HealthMiles $500 Rewards GoZone LifeZone Info Sheet
Download this PDF to get an explanation of the Virgin HealthMiles NEW Custom Rewards GoZone Lifezone option.
Virgin HealthMiles Custom Rewards GoZone Lifezone Info Sheet
Download this PDF to get an explanation of the Virgin HealthMiles NEW Custom Rewards GoZone Lifezone option.
Virgin HealthMiles Personal ER Sponsored Challenges Info Book
Download the PDF for a booklet about Virgin HealthMiles Personal ER Sponsored Challenges.
Virgin HealthMiles Case Study: First Horizon
Virgin HealthMiles Case Study: Harlandale Independent School District
20 Ways To Enjoy More Fruits, Vegetables, Whole Grains and Dairy
To get the most nutrition out of your calories, choose foods packed with vitamins, minerals, fiber and other nutrients - and lower in calories.
Smart Snacking for Adults and Teens
Make snacks work for you by choosing nutrient-rich foods from the MyPyramid food groups.
New Interim Final GINA Regulations Affect Wellness Programs
In October of 2009, the Internal Revenue Service, Department of Labor and Department of Health and Human Services jointly released an advanced copy of interim final regulations on the Genetic Information Nondiscrimination Act (GINA).
The Company with 100 Percent Wellness Participation: The secrets about how one employer attained mythical success with its wellness program.
Workplace wellness programs often provide employers with positive results, such as happier employees, reduced absenteeism and a strong return on investment.
When Adopting a Worksite Wellness Program...: Be Aware of ADA and HIPAA Regulations
Wellness programs must be carefully structured to comply with both state and federal law in order to address issues regarding reasonable accommodation, privacy, confidentiality and protection of...
Participation Builders to Increase ROI
Based on field-tested experience, here is a “top ten list” of Participation Builders – not in priority order – to help you understand your target population, create a supportive environment...
Water: Are You Getting Enough?
There are many reasons to be on a water kick these days: you are trying to lose weight; you are an athlete in training; it is part of basic nutrition...
Wellness Programs: A Risk Management Approach for Employee Benefit Plans
The Horton Group has developed practices for healthier, happier and more productive employees.
Best in Class Services
Webinar and Workshop Schedule: The Horton Group Learning Center
The Horton Group’s Law Professionals Practice (LPP)
The Horton Group’s Law Professionals Practice (LPP) provides total risk management and benefit solutions for law professionals and law firms.
Medical Arts Insurance Corporate Brochure: Specializing in Professional Liability, Employee Benefits and Insurance for Health Care Providers
Medical Arts Insurance is a highly specialized firm that provides insurance brokerage and consulting services exclusively to health care providers and organizations.
Condominium Insurance
Horton Delivers Expertise, Professional Service And Competitive Rates To Condominium Associations
Horton Health Initiatives: A Risk Management Approach for Employee Benefit Plans
“We chose to work with The Horton Group because they are on the cutting edge of insurance and health programs..."
Best in Class Services: Risk Management Packet
Insurance Protection for: Wisconsin's Manufactured Housing Industry
The Horton Group understands that businesses in the manufactured housing industry face many unique exposures, which require specialized insurance protection.
Benefit Solutions: Individual Coverage Options
As life takes unexpected turns, you can take comfort in knowing that there are solutions to keep you and your family members protected.
Best in Class Company
We believe that to deliver Best in Class insurance, risk management and employee benefit solutions, Horton must also strive to operate as a Best in Class Company.
Best in Class Services: Benefits Packet
The first step to a Best in Class healthcare plan
International Practices
Making sure we have our foreign operations properly cared for is critical to protecting our entire organization.
Moving and Storage Commercial Solutions
Since working with our first moving and storage client more than 20 years ago, The Horton Group has become a premier provider of insurance and risk management solutions for moving and storage...
Pre-employment Strength Testing
Before implementing pre-employment strength testing, we experienced several costly Workers’ Compensation claims, many of which were caused by pre-existing conditions.
Private Equity-Mergers and Acquisitions
The Horton Group has two primary divisions that provide responsive service to Private Equity Firms.
Salons and Spas: Insurance Program
For more than a decade, The Horton Group has provided insurance protection to Salons and Day Spas in Illinois. We provide best-in-class solutions and insurance protection for the services you perform.
Surety Bonds
As a leading writer of fidelity and surety bonds, The Horton Group has access to a wide spectrum of bond programs from the nation’s finest sureties.
Safety B.O.S.S. Toolbox Talks
Chemical Hazard Communication: How to protect yourself from daily chemical exposures
This safety tip involves chemical hazards and how to protect yourself from daily chemical exposures
Electrical Cords and Equipment: safety concerns that should be watched at all times
This safety tip involves electrical cords and concerns that should be watched at all times
Pain in the Back: Steps to avoid back and neck injuries
This safety tip involves back and neck injuries and important steps to avoid them
Preventing Sprains and Strains: How to prevent sprains, strains and muscle fatigue
This safety tip involves the prevention of sprains, strains and muscle fatigue
Protecting Your Eyes
This safety tip involves eye safety – a concern that should never be taken lightly
Protective Guardrails: How Protective Guardrails can save lives
This safety tip involves the importance of protective guardrails and how they can save lives
Safe Winter Driving: How to drive safely in winter weather
This safety tip discusses how to drive safely in winter weather
Setting Extension Ladders Up Safely: How to set up Extension Ladders properly
This safety tip involves extension ladders and how to set them up properly
Step Ladder Safety: How to use Step Ladders safely
This safety tip involves step ladders and how to use them safely
The Importance of Lockout/Tagout: How it can save lives
This safety tip involves the many advantages of Lockout/Tagout and how it can save lives
Using Extension Ladders Safely
This safety tip involves extension ladders and how to use them safely
Walkboard Safety
The walkboard is a specialized piece of equipment for the moving and storage industry that is crucial for productivity, efficiency and employee safety.
Welding and Cutting
This safety tip helps with protecting yourself from the hazards of welding and cutting
Forms
ZixMail Secure Messages
Step by step guide to ZixMail, a secure way to send confidential information via email.
Application for Medicare Bond
To request a medicare bond, complete the attached PDF and send it to The Horton Group.
Bid Bond Order Form
To request a bid bond, complete the attached PDF and send it to The Horton Group.
Cell Phone Policy
Sample Cell Phone Use Policy
Hold Harmless Agreement
To the fullest extent permitted by law, the Subcontractor shall defend, indemnify and hold harmless Contractor, Owner, General Contractor, and their respective officers, agents...
Performance Bond Order Form
To request a performance bond, complete the attached PDF and send it to The Horton Group.
Questions for Medical Professionals
This form offers questions to ask a medical professional prior to medical treatment or surgery.
Questions for Medical Professionals: Spanish Version
Esta forma debera asistirlo al hacer preguntas y al obtener informacion cuando su Proveedor de Salud recomienda cirugia o un tratamiento especial por cualquiera condicion medica por la cual usted...
