Resources

What to Expect 2023: Personal Auto Insurance Market

Rising inflation and prices combined with widespread rate inadequacy among insurance carriers caused unprecedented financial challenges in the insurance industry during the second quarter of…

Why You Need Renters Insurance

Whether you’re a first-time renter or someone who has been renting for decades, there’s no denying the excitement that comes with receiving your keys. Making…

Illinois Passes Mandatory Paid Leave

Beginning January 1, 2024, employees in Illinois will accrue Paid Leave, which they’ll be able to use for any purpose. Here are the highlights. Applicability The…

Electric Vehicles Present New Insurance Challenges in 2023

The commercial insurance market for EVs is ever-evolving. As the market expands, so does the demand for proper coverage. Global Electric Commercial Vehicle Market size…

When Does Coverage End on a Builder’s Risk Policy?

The expiration date of a builder’s risk policy depends on several factors and is often in question by contractors and owners alike. Factors to consider…

How to Recognize and Prevent Suspension Trauma

If a construction worker’s fall has been broken, this does not mean that they are no longer at risk of serious injury or death. Personal…

Navigating the Abatement Process After an OSHA Inspection

What happens after you receive a citation from a recent inspection with the Occupational Health and Safety Administration (OSHA)? You will be allotted a time…

Prepare for Emergencies: Set Up Free Weather Alerts and Take Action

Nobody expects an emergency or disaster to strike, but it can certainly happen at any given time. No matter where you are, it’s important to…

Defensive Driving Basics

The best way for a driver to assure their safety and the safety of their passengers and cargo is to practice defensive driving tactics at…

An Explanation of Behavior-Based Safety

It’s crucial for safety to be at the forefront of any organization, regardless of industry or size. By upholding a safe work environment, organizations can…

Health Plans Must Submit Gag Clause Attestations by End of the Year

Important Dates December 27, 2020: The CAA’s prohibition on gag clauses became effective on this date. December 31, 2023: Health plans and issuers must submit…

Final Rule Expands IRS Requirement for Filing Electronically

On February 23, 2023, the IRS issued a final rule that significantly expands the requirement to file certain information returns electronically, including the Affordable Care…

Guidance on Telework and FMLA Eligibility Issued by DOL

Guidance Highlights Employee Worksite: For FMLA purposes, a teleworking employee’s worksite is the office to which they report or from which assignments are made. 50…

CMS Has Suspended Payment Determinations Under the IDR Process for Surprise Medical Bills

On Feb. 10, 2023, the Centers for Medicare and Medicaid Services (CMS) announced that it has suspended payment determinations under the independent dispute resolution (IDR)…

New OSHA Guidance Addresses Workplace Safety, Enforces Stronger Penalties

The U.S. Department of Labor announced that its Occupational Safety and Health Administration (OSHA) issued new enforcement guidance to address workplace safety. Starting on March…

DOL Announces 2022 Audit Results of ERISA Enforcement Actions

ERISA ENFORCEMENT The DOL has broad authority to investigate or audit an employee benefit plan’s compliance with ERISA. The DOL’s EBSA division handles audits of…

Humana Exiting Employer Group Commercial Medical Products Business

Humana announced on February 23, its plan to exit the employer-based insurance business over the next 18 to 24 months. The company will instead focus…

HIPAA Special Enrollment Requests to Increase

Starting April 1, 2023, states that maintained continuous Medicaid enrollment during the COVID-19 pandemic may start ending coverage for individuals who are no longer eligible.…

EEOC Issues Guidance on Hearing Disabilities and the ADA

The Equal Employment Opportunity Commission (EEOC) issued new guidance on January 24, 2023, that explains how the Americans with Disabilities Act (ADA) applies to applicants…

Helpful Space Heater Tips to Keep You Safe

As winter conditions persist, you may be tempted to pull out your space heater to combat frigid temperatures. However, it is important to use your…

Illinois Supreme Court: BIPA Claims ‎Accrue With Each Scan

The Illinois Supreme Court found that claims under the Illinois Biometric Information Privacy Act (BIPA) accrue at each alleged violation, not just at the first…

Health Savings Account (HSA) Contribution Limits for Spouses

ANNUAL LIMITS 2023: $3,850 for single coverage and $7,750 for family coverage The $1,000 limit on catch-up contributions is not adjusted for inflation SPECIAL RULE…

Welding & Gas CFO Club Recap February 2023

Our third CFO Club was another success. Thanks to everyone who made it out! Welding & gas finance leaders from across the country came together…

Is The Policy Primary Or Is It Excess? Make It Clear In Your Contract And You Won’t Have To Guess!

By Melanie Fitzgibbons, Risk Transfer Consultant at The Horton Group Contractual risk transfer is an important risk transfer tool for businesses and is accomplished using a…