Resources

The Seasonal Risks in Directional Drilling

Click here to learn more about our Underground Utility Risk Management Program. Directional drilling, often known as horizontal directional drilling, is an innovative method for…

The Importance of Insurance Coverage for Water and Sewer Contractors

The construction industry is fraught with potential hazards, many of which can result in significant financial losses. Among those operating within this broad industry, water…

The Game of Life: The Value and Meaning of Permanent Life Insurance

Unlike basic term life insurance – which stays in force for only a specified period (10, 20 or even 30 years) – permanent life coverage…

Health Trends Impacting Workers’ Compensation Insurance

Apart from being required in most states, workers’ compensation coverage plays a major role in connecting injured employees to the care they need to return…

Trends to Watch for in the Health Care Industry

Companies and institutions within the health care industry provide and coordinate medical services and related goods. These organizations can range in size and specialize in…

Anticipated Shifts in the Nonprofit Landscape

Nonprofit organizations, also known as non-profit organizations or NGOs, operate with the goal of achieving their missions while positively impacting the community and addressing public…

Top Trucking Industry Trends

The trucking sector comprises enterprises utilizing large commercial motor vehicles (CMVs) to convey diverse cargo types along designated routes, including raw materials, components, and finished…

Open Enrollment: 2024 Checklist

Resources and Links Revenue Procedure 2023-23, which includes the inflation-adjusted limits for health savings accounts (HSAs) and HDHPs for 2024 Model notices for group health…

Risks Businesses Face During an Economic Downturn

An economic downturn can be a serious threat to manufacturers that haven’t thoroughly evaluated their business model. While devising creative solutions to keep your business…

Ransomware Attacks in Construction

In an era of growing technological adoption within the construction sector, the potential for cyberattacks is on the upswing. Nordlocker, an encryption software firm, revealed…

Construction Industry Risks: 5 Key Challenges

In the realm of construction, both owners and contractors encounter a diverse range of industry-specific risks. To maintain operations that are both secure and efficient,…

EEOC Releases New Guidance on Visual Disabilities and the ADA

On July 26, 2023, the Equal Employment Opportunity Commission (EEOC) released new guidance to describe how the Americans with Disabilities Act (ADA) applies to applicants…

Proposed Rule Issued to Bolster Mental Health Parity Requirements

On July 25, 2023, the Departments of Labor, Health and Human Services, and the Treasury (Departments) put forward a proposed rule to bolster the requirements…

FAQs: ACA Cost-sharing & No Surprises Act

The Departments of Labor, Health and Human Services, and the Treasury (Departments) issued frequently asked questions (FAQs) on ACA’s cost-sharing limit and the No Surprises…

Proposed Rule on Short-Term Limited Duration Insurance, Hospital & Fixed Indemnity Plans as Excepted Benefits and their Tax Treatment, and Level-Funded Plans

Introduction The Department of Labor (DOL), Department of Health and Human Services (HHS), and the Internal Revenue Service (IRS), [collectively, “the Departments”] have recently released…

Biden Administration Asks Employers to Extend Special Enrollment Period for Those Losing Medicaid Coverage

RESOURCES Federal agencies have provided resources to help employers navigate the end of Medicaid’s continuous enrollment and inform employees about their coverage options. These resources…

FDA Approves First Non-Prescription Daily Oral Contraceptive

HIGHLIGHTS The FDA has approved the first over-the-counter birth control pill, called Opill. Opill is expected to become available in stores and online in early…

Types of Surety Bonds Needed for the Automobile Industry

Almost every aspect of daily life for many Americans depends on their cars. Therefore, the vehicles transporting parents to work and children to school must…

Surety Bonds for Small Businesses

You may want a surety bond if you operate a small business and conduct contract work. A surety bond safeguards you from financial responsibility for…

Occupational Safety Consultancy

Ensure workplace safety with an occupational safety consultant. Find the right expert, understand their role and get answers to common questions.

Ways to Prevent Crimes in Restaurants and Bars

Restaurants and bars are considered easy targets for criminals due to their unusual operating hours and the constant flow of customers. Don’t make it simple…

Environmental, Health and Safety Consulting

The Horton Group: Trust us for environmental, health and safety consulting. Protect your business and employees. Contact us for expert guidance!

Commercial Auto Insurance

Commercial auto insurance is a type of business insurance that covers vehicles owned by or used by your company. It shields it from liability for…

What are Behavior Based Safety Observations?

Behavior-based safety observations (BBSO) are a crucial part of behavior-based safety programs, which aim to reduce incident rates by encouraging safe behavior and eliminating the…