Resources

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…

House Bill 2862: Enhancing Safety for Temporary Workers in Illinois

Illinois has taken a significant step toward bolstering the safety and rights of temporary workers with the enactment of House Bill 2862. This legislation, an…

HSAs: Key Features and Contribution Limits for 2024

Links and Resources IRS Publication 969, Health Savings Accounts and Other Tax-favored Health Plans. IRS Rev. Proc. 2023-23, which includes the inflation-adjusted HSA limits for…

EEOC Pregnant Workers Fairness Act FAQs

PWFA Overview PWFA Effective Date: The PWFA went into effect on June 27, 2023. The EEOC has begun accepting PWFA charges for acts that occur…

Pay or Play Affordability Percentage Will Decrease for the Coming Year

On Aug. 23, 2023, the IRS issued Revenue Procedure 2023-29 to index the contribution percentage in 2024 for deciding the affordability of an employer’s plan…

Takeaways from the Illinois Paid Leave for All Workers Act

The Paid Leave for All Workers Act goes into effect January 1, 2024, positioning Illinois as the third state to mandate paid time off for…