Resources

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…

Renewable Energy Insurance

Renewable energy businesses are dedicated to preserving the environment by harnessing clean, sustainable energy sources or offering the necessary tools and services to support such…

Food Allergy Liability Insurance Protection

Owning and running a food service business is unquestionably a fun way to make a living, regardless of whether you run a restaurant or food…

Top 3 Red Flags When Evaluating Workers’ Compensation History

During a merger or acquisition, disregarding a target’s workers’ compensation history can be one of the biggest threats to the success of a transaction. A…

Annual Medicare Part D Notices Are Due Before October 15

Highlights: Medicare Part D imposes disclosure requirements on employers with group health plans that provide prescription drug coverage to Medicare-eligible individuals. Plan sponsors must provide…

Illinois Enacts New Transit Pass Program: What Employers Need to Know

Illinois enacted the Transportation Benefits Program Act on July 28, 2023, making it mandatory for employers in Cook County and designated areas to provide full-time…

Compliance Reminder: December 31, 2023, Deadline for Health Plans’ Gag Clause Attestations

On February 23, 2023, the Departments of Labor, Health and Human Services, and the Treasury (referred to as the Departments) released a set of Frequently…

What are OSHA standards?

OSHA standards, established by the Occupational Safety and Health Administration, are a set of regulations designed to ensure the safety and health of workers across…

What Insurance Do I Need for My Restaurant?

You know that running a successful restaurant requires more than just good food. Before you open your doors, you must have insurance for a restaurant…

Appeal Surety Bond

If an appeal or “stay” of judgment request is later denied, an appeal bond is intended to ensure payment of judgments. The court system requires…

Commercial Surety Bonds

To comply with laws and regulations set forth by federal, state, or local governments, contractors working on construction projects may also require commercial surety bonds.…

Electrical Safety

Since electricity is now everywhere and so reliable and practical that it is frequently taken for granted, it is surprising how little the general public…