Resources

2024 Market Outlook: Homeowners Insurance

Part of being an informed insurance consumer, particularly in the face of rising rates, is understanding what’s happening in the market and how it can…

OSHA PPE Requirements For Employers

Ensuring the safety of employees in the workplace is a top priority for employers across various industries. The Occupational Safety and Health Administration (OSHA) sets…

2024 Market Outlook: Auto Insurance

The auto insurance market is expected to remain a challenge in 2024 and perhaps beyond. Many car owners are searching for effective ways to reduce…

2024: Embracing a New Path to Profit in Construction

As a dedicated commercial insurance broker at The Horton Group, specializing in Construction Business Insurance, Surety, and Safety, I’ve witnessed firsthand the challenges and complexities…

Tips to Preventing Water Damage

The most common causes of water damage within your home are often preventable. After all, this form of damage isn’t always due to heavy rainstorms…

The Art of Risk in Construction: A Dual Perspective

Embracing Risk: The Contractor’s Gambit In the world of construction, risk is not just a possibility; it’s a constant companion. Like bettors at a high-stakes…

2024 Trends and Best Practices in Qualified Plan Design by Cerity Partners

This article is written by Philip Steele AIF, Partner of Cerity Partners, who provide hundreds of evaluations each year to Horton clients and Private Equity…

Reps & Warranties Insurance – Q1 2024 Update

The Reps & Warranties Insurance (RWI) market has been a hive of activity in recent times, with notable shifts and trends impacting the landscape. As…

The Importance of a Specialized Underground Utility Construction Insurance Broker: Explained

In the multifaceted realm of underground utility construction, businesses face a distinctive set of challenges and risks. The intricacies of horizontal directional boring (HDD) add…

The Vital Role of Specialized Insurance in Underground Utility Construction

The world beneath our feet is a complex web of infrastructure that is essential to the functioning of modern society. From the conduits that safeguard…

The Importance of Identity Theft Insurance

Identity theft insurance is a type of insurance coverage designed to help individuals recover from the financial losses and expenses incurred because of identity fraud.…

PODCAST – It’s Cool, I Know the Owner – Episode 2: 8 Hospitality

In this episode of “It’s Cool, I Know the Owner,” hosted by Zach Schmidt, the spotlight shines on Chris Bader and Carmen Rossi, the dynamic…

Preventing Slips, Trips and Falls in Home Care Settings

Taking steps to prevent slips, trips and falls in home care settings can make all the difference in keeping you and your patients safe and…

Wait, We Did All This Work to Implement MFA, and Threat Actors Can Readily Bypass It?

Multifactor Authentication (MFA) is supposed to protect our networks. And it does in many respects, but it is not a failsafe or a crutch to…

Pregnant Workers Fairness Act: Reasonable Accommodation Examples in the Workplace

As of June 27, 2023, the Pregnant Workers Fairness Act (PWFA) requires employers with a workforce of 15 or more to provide reasonable accommodation for…

Pregnant Workers Fairness Act: Documentation Guidelines

As of June 27, 2023, the Pregnant Workers Fairness Act (PWFA) requires employers with a workforce of 15 or more to provide reasonable accommodations for…

Pregnant Workers Fairness Act: New Requirements and Prohibitions

As of June 27, 2023, the Pregnant Workers Fairness Act (PWFA) requires employers with a workforce of 15 or more to provide reasonable accommodation for…

ACA Penalties Cheat Sheet & Reporting Deadlines

Employers subject to Affordable Care Act (ACA) reporting under Sections 6055 or 6056 of the Internal Revenue Code should plan to comply with reporting deadlines…

Comparison Chart of Chicago Area Paid Leave

Paid leave laws affecting employers in the Chicago area underwent significant changes at the end of 2023 and the beginning of 2024. The chart below…

Federal Departments Issue FAQs on ACA’s Contraceptive Coverage Mandate

Key Considerations Given the federal government’s focus on contraceptive coverage, employers should review their health plan’s contraceptive coverage for compliance with the ACA’s mandate. Employers…

DOL Increases 2024 Civil Penalty Amounts

Effective Date January 15, 2024: The increased amounts apply to civil penalties that are assessed after January 15, 2024 (for violations occurring after November 2,…

2023 Most Frequently Cited OSHA Standards – Food Manufacturing

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall, but also within particular industries. The most…

2023 Most Frequently Cited OSHA Standards – Manufacturing

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall, but also within particular industries. The most…

The Vital Role of Health Equity for Nonprofits: Bridging Gaps and Creating Opportunities

For nonprofits, championing health equity is a moral priority and a strategic move toward building healthier, more resilient communities. This article explores the significance of…