Resources

Affordability Percentages Significantly Reduced for 2022

The IRS released Revenue Procedure 2021-36 on August 30, 2021. This will index the contribution percentages in 2022 for determining affordability of an employer’s plan…

Onboard Cameras Can Decrease Truckers’ Rising Insurance Costs

Many trucking companies have benefited from installing cameras inside their vehicles – the footage allows them to coach drivers and avoid protracted litigation. And now,…

Safety and Return on Investment

Many business owners and financial personnel want to know the investment they make in a safety program produces a return. Studies indicate that every $1…

The Sky Is Falling – Umbrella Premium Shock?

The CIAB (Council of Insurance Agents & Brokers) Commercial Property/Casualty Market Report for Q2 2021 showed that out of your standard insurance lines (Auto, Property,…

How To Select an Umbrella Liability Limit

By Tony Hopkins, CPCU, CIC Carrying an adequate umbrella limit can be the difference between having your company today and losing it tomorrow. Selecting a…

FAQs Released to Clarify Preventative Coverage Guidelines for HIV PrEP

The Departments of Health and Human Services (HHS), Labor (DOL) and the Treasury (Departments) recently issued frequently asked questions (FAQs) about preventive care coverage requirements…

No Surprises Act and Transparency Rule FAQs

The Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) announced frequently asked questions (FAQs) regarding the implementation of the No…

Does Your School Need Incidental Medical Malpractice Coverage?

Incidental medical malpractice insurance is designed to cover organizations outside the health care industry that have medical exposure for operations that are not the major…

COBRA Subsidy Expiration Notice

The American Rescue Plan Act provides COBRA premium assistance to eligible individuals and imposes notice requirements on health plans. One such requirement is that plans must…

Playground Liabilities and Safety

Playgrounds allow children to exercise and expel excess energy so they can better focus in the classroom and are an important part of young children’s…

Creative Benefits: Family Building Benefits

While there may be some challenges in the path to parenthood, how individuals build their family is unique to them. The pandemic has added to…

Officer Exclusion from Workers’ Compensation Insurance

Most states require employers to purchase a workers’ compensation insurance policy to cover workers who are injured or made ill due to a workplace exposure.…

How a “SMALL Perk” Can Cause Big Problems

The 24-Hour Company Car Exposure By Tony Hopkins, CPCU, CIC, CRM Are you unknowingly increasing your corporate insurance premiums or even worse, the company’s future insurability? Learn…

Directing Volunteers in Your Organization

Many nonprofit organizations’ workforces are mainly comprised of volunteers. These individuals devote their time and energy to help the community through your organization. Though these…

New Compliance Directive Issued by OSHA for its Excavation Standard

OSHA issued a compliance directive for its excavation standard on July 1, 2021. The directive provides guidance and inspection procedures for the enforcement of the…

Smoke Detector Maintenance

Smoke detectors are one of the most important safety devices you can install in your home to protect your personal belongings and your family. The…

Beware of the risks with Home Sharing and Airbnb

Today, smartphones and the internet have helped create new sharing services that allow homeowners to connect with travelers and rent out their homes, spare bedrooms…

Avoiding OSHA Citations

When OSHA shows up at your job site, how prepared are you to respond? Driving Down OSHA Compliance Risk This case study shows how the…

What’s Going on in Cyber Security and Cyber Insurance? And What Can You Do About It?

By Aaron Turner, Practice Group Leader – Management Liability I am very lucky that my two elementary-school-aged sons are into baseball and had great seasons. Our family…

What You Need to Know About Home Insurance

Home insurance carriers offer a wide variety of policy forms and products. It may be tempting to select your carrier based on size or name,…

IRS Releases Additional Q&As on American Rescue Plan’s COBRA Subsidy

The IRS issued Notice 2021-46 on July 26, 2021, which provides additional guidance on the application of the American Rescue Plan Act (ARPA) subsidy for…

Interim Final Rule on the No Surprises Act Issued by Joint Departments

The Office of Personnel Management (OPM); along with the departments of Health and Human Services (HHS), Labor (DOL), and Treasury; released “Part 1” of regulations…

COBRA Subsidy – Updated Form 941

Issue Date: July 2021 Form 941, the employer’s quarterly federal tax return, has been updated to allow employers to claim a credit for any COBRA…

Long Term Care – The Case to Have It

According to the Centers for Medicare & Medicaid Services (CSM), every day in America, nearly 10,000 people turn age 65.  And despite a recent decline—with…