Resources

Workers’ Compensation Trends to Watch in 2021

Not only is workers’ compensation coverage required in most states, but it also plays a major role in connecting injured employees to the care they…

Most Common Additional Insured Endorsements for Construction Contracts

As one of the most expensive items that a contractor will encounter when working on a project, contractors must budget their insurance program accordingly. And…

EEOC Addresses Mandatory Vaccinations in Updated Guidance on COVID-19 and the ADA

Highlights ADA Rules Still Apply but Do Not Prevent Safety Measures Employers must follow ADA rules while observing emergency guidelines issued by federal, state and…

Final Rule Provides Greater Flexibility for Grandfathered Plans

On December 11, 2020, the Departments of Labor (DOL), Health and Human Services (HHS), and Treasury (Departments) announced a final rule that provides greater flexibility…

People of Horton: Chris Pfeiffer

Brother. Safety Expert. Newfoundland Dog Owner. Chris joined Horton in 2010 as a Safety Consulting Intern. Chris originally had two other majors before safety at…

Your Wine Collection Is An Investment – Protect It

The last decade has seen a significant global wine boom. In 2019, the United States led the world with more than $49.5 billion of wine…

How a Biden Administration Might Impact HR and the Workplace

Each presidential transition brings changes to the HR landscape. When President Donald Trump took office in 2016, he overturned or revised many of his predecessor’s…

Pharmacy Benefit Management (PBM) 101

Many employers typically use prescription drugs covered through their insurers. But new options for self-insurance let businesses hire pharmacy benefit managers (PBMs) independently from their…

How Do Companies Choose Health Insurance?

Why do employers select the health insurance carriers that they do? Most often, it is because of two reasons: access and discounts. The prevailing logic is…

People of Horton Adam Zielezinski

Dog Dad. Hockey Veteran. True Friend. Adam decided to double-major in Finance and Insurance while at Illinois State University, quickly realizing he enjoyed his insurance…

Five States Legalize Marijuana

Highlights New Recreational Laws – Arizona, Montana, New Jersey and South Dakota voted to legalize recreational marijuana. New Medical Laws – Mississippi and South Dakota voted…

Final Rule on Health Care Transparency

Important Dates January 1, 2022 – Detailed pricing information must be made public for plan years beginning on or after January 1, 2020. January 1, 2023 -…

People of Horton: Kristy Lambert

Animal Lover. Mother. Food Enthusiast. Kristy joined Horton in 2002 as Personal Lines Insurance Client Service Representative.

Hiring a New Claims Management Team? Make Sure They Do These Four Things

Over the next several years, commercial insurance brokers will face a growing claims advocate staffing gap. Since February 2020, the number of retired Boomers has…

Liabilities of Renting Your Home

You may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an…

Factors That Affect Your Home Insurance Premiums

Home insurance coverage can differ from policy to policy depending on a multitude of factors. Being aware of these factors that affect your premium can…

Weather Damage and Your Home Insurance Policy

Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first…

People of Horton: Brian Lydigsen

Solar Expert. Grinder. Coach. Brian joined Horton in 2013 as a Sales Executive in Horton’s Construction Practice.

People of Horton: Tina Harville

Mother. Trailblazer. Companion. Tina joined Horton in 2016 as a Client Manager in Horton’s Employee Benefit Solutions Division.

Becoming an “Employer of Choice” – How the Manufacturing Field Can Retain the Best Talent Today

In early 2020, manufacturers struggled to find good quality talent. But COVID-19 put good employees back into the market due to layoffs, industry changes, safety…

Avoid Winter Slip-ups

Winter months present additional hazards that are typically not factors for employees during warmer weather – specifically, slip and fall concerns. With snow and ice-covered…

Responding to Requests for Mental Health Records

We frequently receive calls from health care providers who have either been served with a subpoena for mental health records or have received authorization or…

Preventing Rear-End Crashes

Of the various causes of accidents, rear-end crashes are some of the most common and dangerous. According to the FMCSA, 400,000 trucks are involved in…

GAWDA Safety Committee – Work in Process & Latest Updates

The Gases and Welding Distributors Association’s (GAWDA) Safety Committee is always working on new things. Horton’s Welding & Gas Practice Leader, Tony Hopkins, sits on…