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Home Insurance 80% Rule: Understand Your Coverage

Making sure you’re adequately insured is of the utmost importance when it comes to your home. Despite this, many are unaware of the “80% rule”…

Understanding Employee Benefits Liability

As a business owner, you understand the importance of offering employee benefits to attract and retain top talent. However, did you know that there are…

Trending Developments Within the Trucking Sector

The trucking industry is made up of businesses that utilize large commercial motor vehicles (CMVs) to transport a variety of cargo (e.g., raw materials, product…

The Dangers of Distracted Driving

Understanding the dangers of distracted driving can encourage motorists to minimize potential distractions behind the wheel. This article contains more information on distracted driving and ways…

Trends to Watch for in the Manufacturing Industry

The manufacturing sector consists of companies that generate finished products utilizing raw materials. Due to the range of items this industry plays a role in…

Medical Expense FAQs Released as Part of National Strategy on Hunger, Nutrition and Health

Highlights The IRS released FAQs that focus on when costs related to general health, nutrition and wellness can be paid or reimbursed by an HSA,…

Health Plans Brace for Impact as COVID-19 Emergency Periods Near End

COVID-19 Emergency Periods Public Health Emergency: The U.S. Department of Health and Human Services (HHS) initially declared a PHE due to COVID-19 on January 31,…

Prescription Drug Data Collection (RxDC) Reporting

The No Surprises Act (NSA), enacted as part of the Consolidated Appropriations Act, 2021 (CAA), includes transparency provisions requiring group health plans to report information…

Illinois Governor Signs Paid Leave for ‘Any Reason’

Illinois Governor J.B. Pritzker has signed into law the Paid Leave for All Workers Act (the Act), which requires employers to provide most employees with…

HHS Shares Annual Reports on HIPAA Compliance and Breaches

The Department of Health and Human Services (HHS) provided two reports on compliance with HIPAA’s privacy, security and breach notification requirements for 2021. According to…

Rolling Thunder: How the Credit Risk Climate Affects Risk Management and D&O Insurance

At The Horton Group, we’ve received many questions regarding the recent bank failures and how those failures can potentially trigger a Directors & Officers (D&O)…

The FAQs on Silicon Valley Bank (SVB) Collapse

The collapse on March 10, 2023 of Silicon Valley Bank (SVB) resulted in the second-largest bank failure in national history and the largest since the…

The Case For Travel Insurance

‘“Be sure when you step, Step with care and great tact. And remember that life’s A great balancing act.” Dr. Seuss was one the most…

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…