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Recall Report: April 2012
In a recent press release*, the U.S. Consumer Product Safety Commission (CPSC) is warning consumers that certain recalled products, originally sold at Meijer, Inc., were resold after the recall date due to an error ...
Horton Newsletter_Spring 2012 Edition
The latest insurance news from Horton Personal Insurance, Horton Risk Management Services, Horton Benefit Solutions, Medical Arts Insurance and Horton Health Initiatives.
Haz Comm 2.0: OSHA Announces Final Hazard Communication Rule
After many years of discussion and comment, OSHA has issued a more than 800-page Final Rule revising the Hazard Communication Standard, 29 C.F.R. 1910.1200.
Health Care Reform Timeline (Full Version)
A full version of Health Care Reform's sweeping changes and laws.
Health Care Reform Timeline Chart
A quick reference of the Health Care Reform sweeping changes and what year they will take place.
AFLAC Workforce Executive Summary Report: Bringing Benefits to Bear for Business: Performance and Profitability
Judgment day may soon arrive for employers. There will be consequences, or payoffs, stemming from company behavior and actions during the economic recession because many experts believe a sustained job recovery is imminent.
The Horton Group Capabilities Presentation: http://youtu.be/2QUPeagPoBE
Mokena Chamber of Commerce Business Spotlight: http://youtu.be/G1mrbj4hLng
Business Spotlight on The Horton Group!
Are You a Reasonably Prudent Employer?: Court Lowers "Burden" of Proof for OSHA Citations
Shortly before the new year the U.S. Court of pAppeals for the 10th Circuit rendered an opinion that not only altered the agency’s burden of roof for OSHA citations, but effectively reduced that burden to little more than a semantic impediment.
Fall Hazards: One of OSHA's "Big Three"
In 2010, the Bureau of Labor Statistics (BLS) reported that fatal work injuries involving falls decreased 2 percent in 2010 (from 645 in 2009 to 635 in 2010), although each one of these incidents is a human tragedy.
Final Regulations Issued on Health Insurance Exchanges
Beginning in 2014, individuals and small businesses will be able to purchase private health insurance through state-based competitive marketplaces known as Affordable Health Insurance Exchanges.
OSHA Willful Citations Increase Employer Liabilities
As employers should know, an OSHA willful citation opens the door to significant OSHA and other liabilities ...
Generic Medication Program Targets Pharmacy Benefits Costs: http://www.businessinsurance.com/article/20120311/NEWS05/303119980
Paying for generics reduces Rx expenses for some employers
The Medicare Program: What is Medicare?
Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
Across the Generations: http://www.riskandinsurance.com/story.jsp?storyId=533345227
As agency owners and managers position themselves for success in the coming years, they would benefit by spending more time studying generational differences in the workplace, according to a new survey.
Be Familiar with Stop-Loss Options Before Purchasing: www.businessinsurance.com
Stop-Loss: Buyers at mid-market firms should become familiar with options before purchasing. Coverage can limit costs, premiums for self-insured firms.
Personal Guarantee Insurance
Nowadays, when soliciting a commercial property loan, borrowers are prepared to pay 25% or more of the loan value as a down payment. To secure a loan, borrowers will need to sign a personal guarantee.
Health Care Reform: Compromise on Contraceptive Coverage For Religious Employers
Under health care reform, non-grandfathered health plans must cover women’s preventive care services, including contraception, without charging a co-pay or deductible.
Health Care Reform: Final Guidance on Summary of Benefits and Coverage
On Feb. 9, 2012, the Departments of Health and Human Services, Labor and Treasury (Departments) released much-anticipated final guidance on the requirement for health plans and health insurance issuers.
Outdated Moving and Storage Contracts Can Ruin Your Day
As an executive for a moving and storage company, can you imagine receiving a call from your warehouse manager on an early weekend morning informing you there is a foot of water in your packed warehouse?
Liability Issues in Dermatology
An interesting thing about Dermatology is that studies indicate most malpractice claims result from the most common types of clinical situations, not the more exotic features.
Workplace Wellness: Wellness Initiatives To Promote Heart Health
Heart disease is the leading cause of death in the United States and also a common factor in diabetes.
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.
Four Coverage Strategies to Consider as Insurance Reforms Kick In: http://www.chicagobusiness.com/article/20120121/ISSUE02/301219998/four-coverage-strategies-to-consider-as-insurance-reforms-kick-in
It's tough to shop for insurance in this rapidly changing landscape. Here are a few expert tips as you navigate the twists and turns.
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.
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.
Tom DeMichael Joins The Horton Group as Director of Property & Casualty Operations: http://www.assurexglobal.com/NewsDetails.aspx?newsid=207
The Horton Group is pleased to announce the appointment of Tom DeMichael to Director of Property & Casualty Operations.
Tom has more than 18 years of experience in the insurance industry. During his career, Tom has held several operations positions with Marsh, Willis and AON. While at Marsh, Tom was the General Operations Manager for U.S. Policy Operations, where he designed and managed a unit that was responsible for quality assurance and policy checking for the entire country. While Tom was at Willis, he was the International Practice Manager where he managed a department that was responsible for reverse flow business. Tom also has experience as a Casualty Placement team leader and several years as a Casualty Marketing Specialist.
School Officials Hire Consultant to Vet the District's Health Care Options: http://shorewood.patch.com/articles/school-officials-hire-consultant-to-vet-the-district-s-health-care-plan
National health insurance consultant The Horton Group was awarded a two-year contract to help the district navigate the market
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.
Upping Your Game: http://www.propertycasualty360.com/2011/12/01/upping-your-game
Just as accountants do more than fill out tax forms and attorneys have responsibilities other than contract reviews, insurance agents have a greater depth of expertise available to clients beyond selling insurance. To become a trusted advisor, many agents and brokers are shifting focus to the broader need for risk control and management, and helping clients make better informed long-term business decisions
Spousal Exclusions on the Rise
To rein in rising health care costs, employers tell employees' working spouses to go elsewhere for insurance.
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.
Medical stop-loss insurers warming up to wellness: http://www.businessinsurance.com/article/20111120/NEWS05/311209973?tags=%7C305%7C339%7C257
Ken Olson, division president of The Horton Group Inc., a middle-market insurance broker based in Orland Park, Ill., said he often has been able to persuade stop-loss underwriters to shave up to 5% off of a specific stop-loss premium “if I can tell a good story that demonstrates the impact of wellness and disease management on a particular employer's claims experience.”
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.
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.
Orland Fire District picks employee health insurer: http://southtownstar.suntimes.com/news/8552571-418/orland-fire-district-picks-employee-health-insurer.html
An insurance firm with offices in Orland Park will get $3.5 million for one year to be the employee health insurer for the Orland Fire Protection District.
The district board approved the deal with The Horton Group at Tuesday’s special meeting.
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.
Self-funded health plans under attack in New Jersey: http://www.businessinsurance.com/article/20111030/NEWS05/310309989?tags=%7C74%7C305%7C339
The process is similar to an employer seeking a quote from a health insurer, said Ken Olson, division president of The Horton Group Inc., a broker based in Orland Park, Ill. “If an employer wants to shop their group health insurance, they fill out the medical questions application and then a rate comes back from the competing carrier,” he said. “Why is that different than shopping for stop-loss coverage?”
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.
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.
Safe workplace successes can lead to well workplace: http://www.businessinsurance.com/article/20111002/NEWS05/310029994?tags=%7C305%7C84%7C257#
Safety measures can be adapted to wellness efforts.
Full Service Employee Assistance Program: Improve Your Organization's Mental Health
The Horton Group offers a full-service Employee Assistance Program (EAP) enabling employees and their families to access treatment resources.
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”).
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.
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.
Group captives help firms tackle health benefits funding issues: http://www.businessinsurance.com/article/20110904/NEWS05/309049993?tags=|60|305|339#
Self-funded employers that use a group captive for primary stop-loss coverage also can avoid “lasering,” a practice in which insurers set higher attachment points for certain plan members with costly pre-existing conditions.
City cuts costs on employee health care: http://www.beloitdailynews.com/news/city-cuts-costs-on-employee-health-care/article_65f30e14-cda7-11e0-8cff-001cc4c03286.html
Officials said providing health insurance coverage for city employees could be made more cost-effective by measures detailed at a special session of Beloit City Council Monday night.
Worksite Wellness Plan for Brain Awareness
These are all simple, low or no cost interventions used to help raise awareness on brain health.
100 Largest Brokers of U.S. Business: http://www.businessinsurance.com/
The 40th annual Directory of Agents & Brokers was published in conjunction with the July 18, 2011, issue of Business Insurance. The July 18 issue contains rankings of the largest Agents & Brokers. The Horton Group is ranked #46.
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
Horton Client Receives "Healthiest Companies Award": http://twitter.com/#!/Tweet_Flexco/statuses/77742150711914496
Flexco recently received the "One of America's Healthiest Companies" Award from Fred Garfield at The Horton Group.
Nice surprise for Flossmoor — lower medical insurance cost: http://southtownstar.suntimes.com/news/5819114-417/nice-surprise-for-flossmoor--lower-medical-insurance-cost.html
The price tag for health care for Flossmoor village employees will be lower next year, but rising costs are again on the way, finance director Scott Bordui told the village board Monday night.
But the village should not get used to lower medical insurance expenses because pressure on employer health care plans will rise as health care reform takes effect, said Mike Wojcik, senior vice president the Horton Group, Flossmoor’s insurance broker.
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...
Smaller Firms Try Self-Funding Benefits: http://www.businessinsurance.com/apps/pbcs.dll/article?AID=/20110529/ISSUE03/305299999
Annual premium hikes push some companies to seek alternatives
Once reserved primarily for large employers, self-funding benefits is gaining popularity among small and midsize firms that have become frustrated by years of premium hikes in the insured market that have increased costs by double digits.
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
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.
District 289 stays informed on health care, legislative changes: http://www.mendotareporter.com/v2_news_articles.php?heading=0&story_id=5215&page=72
New health reform laws may also have an impact on the district's budget in the near future. Guest speaker, Rick Klein, senior vice president of Horton Group, discussed the health reform law, its timelines, complications with the law and how it affects school districts.
Crain's List Chicago's Largest Commercial Insurance Brokers
Crain's Chicago Business, 3/21/11, Largest Commercial Insurance Brokers: The Horton Group, Ranked #5
Insurance checkup: If your revenues are rebounding, so is your risk: http://www.chicagobusiness.com/article/20110319/ISSUE02/303199997/more-money-more-problems
Dramatic changes, good and bad, lead to changes in the kinds of risks businesses face and the insurance they need. Keeping up with insurance needs is a particular challenge for smaller businesses, where owners and employees are pressed for time to deal with more immediate concerns.
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.
Spousal Carve-Outs and Surcharges
In order to reduce rising health care costs, some employers have adopted group health plan provisions restricting coverage of spouses.
Mike Wojcik Recognized at 2010 Convention Awards: http://www.thehortongroup.com/Files/537dbda1-9cb3-2e98-1501-5486a3b6d439.pdf
Congratulations to Mike Wojcik, Sr. Vice President of The Horton Group who was recognized for his service to the IIA of IL and the Insurance Industry. This award was presented during the General Session/Opening Luncheon, October 6.
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...
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...
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...
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.
"Monsters & Money In The Morning" on CBS 2 Chicago Morning News: http://cbs2chicago.com/video/?id=73533@wbbm.dayport.com
Ron Assise, President of Horton Personal Insurance, appeared on "Monsters & Money In The Morning" on CBS 2 Chicago Morning News on August 17th, 2010 discussing Personal Insurance...
Mental health coverage progresses: http://articles.chicagotribune.com/2010-07-26/business/ct-biz-0726-onthejob-20100726_1_mental-health-parity-discriminatory-insurance-practices-cost-of-health-care
Lifting limits on treatment hailed as workplace improvement by some experts, but employers not always enthusiastic
Steven J. Topel Joins The Horton Group
CHICAGO, ILLINOIS – JUNE 30, 2010: We are pleased to announce Steven J. Topel has joined The Horton Group as President and Chief Sales Officer. Steve joins The Horton Group following a career as President of JMB Insurance. Prior to joining JMB, Steve spent 19 years with Mesirow Insurance Services as Sr. Managing Director.
District may counter insurance increase with wellness effort: http://www.morrisdailyherald.com/articles/2010/06/22/90465471/index.xml
Rick Klein, senior vice president of The Horton Group, says the theory behind wellness is it increases the general health of employees, thereby lowering the cost of insurance premiums. Having healthier employees, the district would also gain work productivity and lower worker compensation claims.
Klein, in fact, said about 85 percent of premium costs are spent on curative, or remedy, claims, while only 3 percent of costs are spent on prevention. Klein said 87.5 percent of health claims are related to an individual’s lifestyle, such as smoking, physical inactivity and obesity.
Specialized Independence: http://www.ehorton.com/Website_Images/BI06222010.pdf
What began with two brothers running separate, personalized agencies from their homes in the suburbs of Chicago has flourished into one of the largest privately-held firms in the Midwest.
Orland Park to Debut on the Silver Screen: http://www.opprairie.com/Articles-c-2010-06-18-207931.114133_Orland_Park_to_debut_on_the_silver_screen.html
The Orland Park Police Station may have already made its big screen debut, with a small role in the recently released remake of "The Nightmare on Elm Street," but several Orland Park residents and businesses will make their silver screen debut in "DINKs."
A Fun Run: http://www.opprairie.com/Articles-c-2010-06-17-207896.114133_A_fun_run.html#123
Horton Group President and CEO Glenn Horton led a group of runners and walkers on a 5K run/walk through Orland Park on Thursday, May 27 to promote wellness. The group started at the Horton Group office, 10320 Orland Parkway, in the late afternoon. An array of employees and divisions were represented, and the Horton Group plans to have more runs later this summer, according to Robin Bettenhausen, the company's director of operations.
Illinois Receive Prestigious Herndon Award: http://digital.turn-page.com/issue/8677/37
Mike Wojcik, Senior Vice President of The Horton Group and Big "I" National Health Care Task Force Member, accepts the award on behalf of IIA of Illinois.
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.
Business owners have more questions about health care law: http://www.southtownstar.com/business/2117589,032310healthcarebiz.article
For most Southland small businesses, though, the new health care bill poses more questions than it answers.
"What will this bill do to reduce the cost of medical service?" asked Rick Klein, a senior vice president for The Horton Group, an insurance brokerage in Orland Park, and vice chairman of the Chicago Southland Chamber of Commerce. "What is it going to do to reduce the cost of MRI, the cost of an office visit?"
The Horton Group Named Blue Diamond Agency by Blue Cross Blue Shield of Illinois
The Horton Group earns top recognition as a Blue Diamond Agency from Blue Cross and Blue Shield of Illinois...
Workers’ Compensation Advantage
Many estimates state that as many as 50% of all business may be getting overcharged for their Workers’ Compensation Program...
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.
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...
Your Family Wants to Know: Have You Completed Your Advance Directives?
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?
Insurance rates remaining flat: http://www.bizjournals.com/milwaukee/stories/2010/01/04/story4.html?b=1262581200%5E2668801&s=industry&i=insurance
The Horton Group insurance brokerage anticipates overall rate reductions of 1 to 5 percent, said Robert McIntyre, Waukesha branch president. Businesses’ costs for the insurance also will drop because of their reduced coverage needs in the weak economy, he said.
Agency Profile: The Horton Group: http://www.fcci-group.com/cornerstone/Documents/AgencyProfile-The_Horton_Group.pdf
In 1971, two brothers from Orland Park, Ill., crane operators by day and insurance men by night, began a small enterprise known as The Horton Group.
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..."
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).
Best in Class Services: Risk Management Packet
Firm finds wellness program builds healthy bottom line: http://www.thebusinessledger.com/Home/Archives/CommentaryViewpoints/tabid/86/newsid415/884/Firm-finds-wellness-program-builds-healthy-bottom-line/Default.aspx
Two years after implementing a workplace wellness program, Robinson Engineering reports a 10:1 return on investment.
Denise St. Pierre, organizational development manager for the South Holland-based municipal civil engineering firm, said most of the company’s 108 employees were excited about a wellness program.
Business owners worry insurance mandate could sink them: http://www.southtownstar.com/news/1899216,112309bizhealth.article
Nine employees rely on a group health insurance plan offered by B &
F Fabricating in South Chicago Heights. But co-owner Frank Bednarek
worries health care reform being considered by Congress could drive up
costs, affecting the company's ability to offer insurance.
The Company With 100% Wellness Participation: http://www.riskandinsurance.com/printstoryp?storyId=279880766
Workplace wellness programs often provide employers with positive results, such as happier employees, reduced absenteeism and a strong return on investment. As a rule, the third year of a well...
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.
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...
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...
Commercial Umbrella: Stand Alone or Follow Form?
The differences between stand alone and follow form umbrellas - finding what is best for your company.
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.
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.
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
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.
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.
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.
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...
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...
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.
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...
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...
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.
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...
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...
Your employee is injured playing softball at the company picnic – Does workers’ compensation apply?
Company-sponsored summer events are just around the corner.
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.
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
Best in Class Services: Benefits Packet
The first step to a Best in Class healthcare plan
Cell Phone Policy
Sample Cell Phone Use Policy
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...
Safe Winter Driving: How to drive safely in winter weather
This safety tip discusses how to drive safely in winter weather
Private Equity-Mergers and Acquisitions
The Horton Group has two primary divisions that provide responsive service to Private Equity Firms.
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.
Wellness Programs: A Risk Management Approach for Employee Benefit Plans
The Horton Group has developed practices for healthier, happier and more productive employees.
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...
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).
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...
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: An Alternate Strategy for Increasing the 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.
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...