Resources

Deadline for Employers to Recieve MLR Rebates Is Approaching

Employers with insured group health plans may soon receive a medical loss ratio (MLR) rebate from their health insurance issuers. Issuers who did not meet…

Navigating MLR Rebates

The Affordable Care Act (ACA) established medical loss ratio (MLR) rules to help with controlling health care coverage costs and ensure that enrollees receive value…

Federal Agencies Release FAQs Addressing Main Issues in Health Plan Tobacco Surcharge Lawsuits

On August 26, 2026, federal agencies issued FAQs addressing topics that have been the focus of numerous class-action lawsuits challenging health plan surcharges for tobacco…

What Most People Get Wrong About Benefits Plans

Most people think a benefits plan is mainly about what it costs. That’s the misconception. Employers assume the best plan is the one with the lowest…

Healthcare Industry Trends to Monitor in 2026

Healthcare organizations enter 2026 facing several operational, financial and liability pressures, including labor shortages, inflation, supply chain volatility and the impact of U.S. tariffs on…

Insurance Market Snapshot: What Movers Should Know

As we move through the second half of 2026, we’re seeing encouraging signs across several areas of the commercial insurance marketplace for moving and storage…

DOL Proposes to Expand Electronic Delivery Methods for Group Health Plan Disclosures

The U.S. Department of Labor’s (DOL) Employee Benefits Security Administration has issued a proposed rule that would establish a new, additional safe harbor for group…

EBSA Announces Agenda Outlining Upcoming Regulatory Actions

On July 3, 2026, the Trump administration issued its 2026 Regulatory Plan and Unified Agenda of Regulatory and Deregulatory Actions (Agenda), identifying its significant regulatory…

The Value of Surety Bonds

The way in which project owners evaluate and manage risks on construction projects, and make fiscally responsible decisions to ensure timely project completion, is crucial…

IRS Releases Health Plan Affordability Percentage for 2027

The IRS released Revenue Procedure 2026-26 on July 21, 2026, to index the contribution percentage in 2027 for determining the affordability of an employer’s health…

Protecting Your Mobile Fleet: Inland Marine Coverage for Forestry Equipment

The Hidden Gap in Your Equipment Protection As a CEO, CFO, or operations controller in the wood products industry, you understand the substantial capital investment…

Wind/Hail Deductibles and Roof Schedules: What You Need to Know

Over the past few years, insurance carriers have increasingly implemented wind/hail deductibles and roof schedules in homeowners insurance policies. These changes are a response to…

Communication and Its Effect On Patient Safety

Effective communication is crucial among healthcare professionals and teams. An overwhelming majority of medical malpractice cases arise either due to inadequate communication among healthcare providers…

Battery Backup Sump Pumps

Sump pumps play an important role in helping protect your home from water damage. When water begins to collect in the sump pit, the pump…

Automatic Water Shutoff Devices and Leak Detection in Your Home

From slow drips to burst pipes, water damage can happen in many ways, and it often happens when you least expect it. Even if you…

EEOC Votes to Issue a Proposed Rule to Remove EEO-1 Reporting Requirements for Private Employers

On July 21, 2026, the U.S. Equal Employment Opportunity Commission (EEOC) voted to issue a Notice of Proposed Rulemaking (NPRM) to remove EEO-1 reporting requirements…

Cost-Sharing Limits Revised for 2027 Plan Years

The U.S. Department of Health and Human Services (HHS) released the 2027 maximum cost-sharing limits under the Affordable Care Act (ACA) on January 29, 2026.…

Water backup coverage

Standard homeowners insurance has its limits and sewer backup is one of the most common coverage gaps. Adding a sewer backup rider to your policy…

A Homeowner’s Summer Maintenance Checklist

The long, bright days of summer are the perfect time to tackle home improvements. A little cleaning, repair, and maintenance now can go a long…

Homeowner’s Policy & Floods: Are You Covered?

After each new flooding event, the media details the sad plight of homeowners who have lost everything, reporting many were uninsured for the risk of…

Rising Early-Onset Cancers: A New Reality for Employers

Employers are increasingly seeing diagnoses at younger ages and across a wider range of cancer types than in prior decades. This is not only a…

The Benefits of Nonprofit D&O Insurance

Nonprofit organizations provide essential social services that benefit their communities and their members. These organizations cannot survive without dedicated leaders to make major decisions on…

DOJ Opinion: Application of the Rehabilitation Act and Americans with Disabilities Act to State Institutionalization of Patients with Severe Mental Illness or Disabilities

The Department of Justice released an opinion piece on June 18, 2026, titled “Application of the Rehabilitation Act and Americans with Disabilities Act to State…

Oral Health and Systemic Risk: An Overlooked Driver of Cost and Outcomes Overview

Oral health is not separate from overall health. Emerging patterns and new therapies are changing oral health risk profiles and making dental status an increasingly…