Resources

Property Coverages

PROPERTY COVERAGE—BUILDING AND PERSONAL PROPERTY COVERAGE FORM There are four types of property associated with every structure: The building or structure itself; The business personal…

Welcome To Horton Friends & Family Powered by LifeMart

As a member, you now have access to national and local discounts from brands you know and love, all in one convenient location. And, access…

Has Your Homeowners Insurance Policy Been Canceled?

Are you having trouble finding new coverage after your Southern Fidelity, Lighthouse, Avatar Property & Casualty, or St. Johns policy was canceled? This can be a…

Are employees driving their own vehicles a business risk?

By Tony Hopkins, CPCU, CIC, CRM If your employees drive their personal vehicles for work, your business is at risk of financial liability in the case…

IRS Issues New Guidance on Employer Penalties

Effective for 2014, the Affordable Care Act (ACA) imposes “pay or play” requirements on large employers to encourage them to provide group health plan coverage…

2021 Most Frequently Cited OSHA Standards – Hospitals

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall but also within particular industries. The most…

Is My Jewelry Covered?

If you are like most people, you own many items that are sentimentally or financially meaningful to you. All home insurance policies have specific internal…

Avoid Spreading Illnesses

During the fall, diseases like the flu, pneumonia, strep throat and the cold become easier to catch and transmit. And, although these illnesses generally don’t…

Annual Open Enrollment Checklist

Pre-Enrollment Period Plan ahead: Be ready to answer employee questions regarding the health care reform legislation. Understand how the legislation affects your benefits offerings and…

Combatting the Construction Labor Shortage and Protecting Your Company From Risks Associated With a Reduced Workforce

For years, qualified laborers in the construction industry have been hard to come by. As of early 2022, “over 90% of organizations somewhat have difficulty…

2023 Compliance: Key HSA Features

Individuals who are enrolled in high deductible health plans (HDHPs) have access to Health Savings Accounts (HSAs), a popular type of tax-advantaged medical savings account.…

Domestic Partnership/Civil Union Laws As Shown by State

A domestic partnership is a personal relationship between two adults (of the same sex or opposite sex) that live together and share a domestic life…

Paid Sick Leave: State Law Synopsis

As a rising trend, states across the country are enacting their own paid sick leave laws. Currently, 14 states and the District of Columbia have…

Deal Activity Decreases in Q4 2022, Making Reps and Warranties Coverage Vital

By: Mike Richmond, Senior Vice President – Business Insurance 2021 was a record-breaking year for deal activity in the mergers and acquisitions (M&A) industry. However, deal…

New Independent Contractor Classification Rule Proposed by DOL

The U.S. Department of Labor (DOL) announced a proposed rule to rescind and replace its 2021 independent contractor classification rule under the Fair Labor Standards…

The IRS Releases Final 2022 Forms for ACA Reporting

The IRS has released the final 2022 forms for reporting under Internal Revenue Code (Code) Sections 6055 and 6056, including important dates to be aware…

Employer Rx Reporting

The Consolidated Appropriations Act (CAA), passed by Congress in 2021, requires insurance companies (issuers) and employer-sponsored health plans to annually submit certain information about prescription…

Qualified Transportation Fringe Benefit to Increase Monthly Limit in 2023

HIGHLIGHTS The 2023 monthly limit for transportation in a commuter highway vehicle and transit pass (combined) is $300. The 2023 monthly limit for qualified parking…

A General Contractor & The Horton Group

The goal of any business can be simplified to the following: Keep revenue high and keep costs low. However, the journey of any company is…

Umbrella Insurance Limits: How Much is Enough?

What is Umbrella Insurance? Umbrella insurance, often referred to as excess liability insurance, is an added layer of protection that supplements your standard insurance policies…

Decreasing Auto Claims for Businesses

The leading cause of work-related deaths is vehicle-related crashes. In addition to the potential for loss of life, work-related automobile accidents expose businesses to liability…

Supply Chain Disruptions

Supply chain instability remains an evolving risk for manufacturers. Rising freight, high demand, raw material costs and slow deliveries continue to plague manufacturers, adding costs…

Top 3 Workplace Risks for Senior Living Community Employees

Senior living communities are often considered “safe” spaces, but employees’ daily responsibilities can lead to potential danger. If they are not careful, their actions could…

IRS Issues Final Rules for Determining Family Coverage Affordability

The IRS has issued final regulations that change the way employer-sponsored plan affordability is calculated when determining if a family is eligible for a premium…