Resources

What Insurance Do You Need in Your Fast-Food Restaurant?

Running a fast-food restaurant can be rewarding, offering delectable dishes to customers quickly and efficiently. However, like any business, it comes with a risk. To…

Navigating Product Recalls: Protecting Your Business and Reputation

As a manufacturer, your customers anticipate that your products will be safe and dependable. Despite your best efforts to ensure your goods are suitable for…

Excess Liability Limits for Physician Groups

By: Mike Madey, MBA, RPLU, MJ; Vice President – Business Insurance Historically, there has not really been an excess malpractice market for physician groups. Excess…

PODCAST – The One Thing: Arthur Vera, Zuniga Health

This week, at The One Thing Podcast by The Horton Group, our hosts, Robin Bettenhausen and Tom Kallai, spoke with Arthur Vera, founder and CEO…

Solar Decommissioning Bonds

If you are looking for an insurance company that could help you in your solar decommissioning project to protect your clients from any damages in…

Winter Driving Safety: Trucking & Transportation Tips

Driving in winter weather can be dangerous for all vehicles but especially for truck drivers. The inclement weather can create a flurry of emotions from…

Jewelry Theft: Know Your Coverage Options & Protect Your Valuables

Jewelry often carries financial and sentimental worth, which is why we go to great lengths to protect it. In fact, surveys often reveal that jewelry…

Understanding Minnesota’s Earned Sick and Safe Time Laws

For more information, view a recorded webinar on this topic here. Minnesota’s recently enacted Earned Sick and Safe Time (ESST) laws, effective January 1st, 2024,…

Employee Dishonesty Coverage

Employee theft is a reality that every business owner has to deal with. Workplace crime costs businesses in the US an estimated $50 billion per…

How Often Does OSHA 30 Need To Be Renewed

The Occupational Safety and Health Administration (OSHA) ensures workplace safety in the United States. The goal of OSHA 30, a thorough training program, is to…

Liquor Liability Insurance

Do you need help determining whether your business needs liquor liability insurance? The Horton Group is here for you. We will assist you in navigating…

How Long Does OSHA Certification Last?

How Long Does OSHA Certification Last? The Occupational Safety and Health Administration (OSHA) certification process is important for working in fields where workplace safety is…

DOL Releases Answers to Frequently Asked Questions on Proposed Overtime Rule

On Aug. 30, 2023, the U.S. Department of Labor (DOL) published a proposed rule to modify current requirements employees in white collar occupations must meet…

New Illinois Law on Pre-Tax Transit

Understanding the Illinois Transit Benefits Act effective Jan 1, 2024: A guide for Cook County employers to offer transit passes pre-tax to full-time employees.

Deadline for Health Plans: Submit Gag Clause Attestations by December 31, 2023

Key Highlights Health plans and issuers must ensure their agreements with providers, TPAs and other service providers do not include prohibited gag clauses. Health plans…

What Types of Construction Contracts Are There?

The construction industry involves complex projects that require clear understanding and agreements between the parties involved. An essential component ensuring smooth execution and understanding of…

Understanding the Risks of Horizontal Directional Drilling in Extreme Cold Weather Conditions

Horizontal directional drilling (HDD) is a versatile method commonly used for installing pipelines, conduits, and cables without the need for an open trench. However, drilling…

Cybersecurity Within the Cyber Insurance Market

In the cyber insurance market, insureds need to have a laser focus on putting cybersecurity protocols, procedures, and measures into place to protect their businesses.…

Letter to the Professional Driver

In this litigious environment, help us (and yourself) by keeping a clean driving record.

Selling Automation – Protect Yourself

Automation interest has increased in popularity for welding & gas distributors. While this poses a significant opportunity, don’t forget about the associated risk.

New OSHA Rule Enhances Workplace Safety Reporting for High-Hazard Industries

Effective January 1, 2024, new regulations will impact certain employers in high-hazard industries. The U.S. Department of Labor recently unveiled a final rule that mandates the…

Key Factors in Rising Auto Insurance Rates 2023

Rising auto insurance premiums have been troubling policyholders and their wallets. According to statistics released in May 2023 by the U.S. Department of Labor, auto…

Substance Abuse Policy

Based on data from government surveys, it’s evident that approximately 10 percent of adults aged 26 and above contend with substance abuse problems, encompassing issues…

Installation Floater Insurance

Materials that have been damaged or stolen can delay or even stop a project. Criminals are drawn to valuable building materials like copper, lead, and…