Resources

Heat-Related Illnesses

Please visit https://www.osha.gov/SLTC/heatillness/index.html for more information on Heat-Related Illness. Overview Heat and humidity can cause several different types of heat-related illnesses such as heat cramps,…

Health Reform Questions – Applying Employment Breaks for Schools

Question: A local school district hires Mary, a long-time substitute, to be a substitute for Jane during Jane’s six week maternity leave and, during that period,…

OSHA Injury & Illness Recordkeeping Overview

Overview of Occupational Safety and Health Act of 1970 (OSH Act) / OSHA Injury & Illness Recordkeeping The Occupational Safety and Health Act of 1970…

HPID Requirement Delayed Indefinitely

The Health Plan Identifier (HPID) is a standard, unique health plan identifier required by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). The…

COBRA Common Questions: Administration

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires that covered employers provide former employees and dependents who lose group health benefits with an…

Understanding the Claims-Made Policy

A critical concept any advisor must understand when dealing with medical professional liability is the claims-made policy. Vastly different from a traditional occurrence policy (i.e.…

Client Spotlight: Easter Seals Joliet Region

Every day, here at Easter Seals Joliet Region, a child works to accomplish a new goal. And no matter the size of that achievement, each…

“Pay or Play” Penalty – Coverage for Substantially All Full-time Employees and Dependents

The Affordable Care Act (ACA) imposes a penalty on large employers that do not offer minimum essential coverage to full-time employees and their dependents. Large…

Garage Keepers Liability Coverage

Companies in the business of storing customer vehicles need to be protected. Picture this scenario: you are a tow truck driver who is called to…

Winter Weather Can Affect Your Business

Winter weather is unpredictable and can have a large impact on your business. While maintaining business operations is always at the forefront of your mind,…

Workplace Violence

Media coverage of workplace violence tends to misrepresent the scale and nature of the problem. While the dramatic, isolated incidents often publicized are shocking, most…

Risks of Co-Employment

Hiring independent contractors or temporary workers may be a smart business decision in certain circumstances, but it also poses significant risks—namely, the possibility of co-employment…

Managing Green Construction Contract Risks

As energy costs continue to rise and building standards become more environmentally rigorous, it’s not uncommon for construction projects to specify sustainable building practices, or…

Keeping Our Workplace Violence-Free

Although we do our best at to keep the workplace safe, violence inflicted by an outsider or between employees remains a serious safety and health…

Silica Exposure During Hydraulic Fracturing

According to the National Institute for Occupational Safety and Health (NIOSH), workers may be exposed to dust containing high levels of respirable crystalline silica (silica)…

Solar Collector Burn Hazards

Solar water heaters are becoming increasingly more popular in both residential buildings and commercial facilities. When the demand for a service rises, so will injuries…

Risks of Shale Gas Extraction

Shale gas exploration represents vast economic opportunity and an environmental advantage over other fossil fuel sources. However, the extensive use of horizontal drilling and multi-stage…

Illinois Partners for Human Service

Blockbuster Hollywood tales of superheroes are now playing at the local multiplex movie theatre near you. But there are real-life superheroes working every day to…

Managing Volunteers In Your Organization

As a nonprofit organization, most of your workforce is probably comprised of volunteers. These individuals are devoting their time and energy to helping the community…

Indiana Domestic Partnership Laws

A growing number of U.S. companies provide benefits, such as health insurance coverage, for their employees’ domestic partners. Businesses may decide to offer domestic partner…

Dealing with the Heat

When Heat Stroke Occurs the body becomes unable to control its temperature. The body temperature can rise to 106 degrees Fahrenheit or higher in only…

Paid when Paid Clauses on Bonded Projects

Scenario: You have a “paid when paid” clause in your contract with your subcontractors/vendors. A Payment Bond claim is presented to your bonding company by…

Individual Disability for Physicians

Individual Disability Income (DI) insurance helps physicians protect their ability to work and earn an income. In the event of a disability, the policy provides…

Navigating the Hardening Market

As industry experts closely monitor the market, the state of the insurance industry continues to fluctuate. This can be confusing for business owners trying to…