Resources

Homeowner’s Policy & Floods: Are You Covered?

After each new flooding event, the media details the sad plight of homeowners who have lost everything, reporting many were uninsured for the risk of…

Flood: Coming to a Home Near You

The truth is, regardless of where you live in the U.S., flooding can occur just about any time of the year. Progressively, it seems that…

HortonConnect: Issuing a Certificate of Insurance and Previously Issued Certificates

Directions: Issuing a Certificate of Insurance 1. To issue a certificate of insurance, click on Certificate Management in the upper header.2. This will take you to a screen showing the…

Head for the hails!

The ever increasing frequency of damaging hail events has taken a significant toll on the insurance industry and may have impacted you personally. If hail…

DOL Issues Updated Model COBRA Notices and New FAQs

Important Links Updated General Notice – The updated COBRA general notice model is available in English and Spanish. Updated Election Notice – The updated COBRA election notice…

Avoid Hiring Your Next Workers’ Compensation Claim

Have you ever hired an employee, to see them injure their knee weeks after being hired? Or tear a shoulder? Or throw out a back?…

U.S. Department of Education Takes Historic Action with Final Title IX Rule Revisions

On May 6, the U.S. Department of Education (ED) and U.S. Secretary of Education, Betsy DeVos, released new revisions to strengthen its Title IX Final…

IRS Provides Expenses Paid with Forgiven PPP Funds Are Not Deductible

On April 30th, the IRS released Notice 2020-32, which provides guidance on the deductibility of expenses paid with Paycheck Protection Program (PPP) loan proceeds that are…

Cyber Funding Considerations for Nonprofits

By: Bryan Kinsey, Sales Executive / Risk Advisory Solutions With COVID-19 fundamentally changing the way business is conducted, companies of all sizes are finding the…

Investing in Food Safety Practices and Protocols

Charlie Munger, Vice-Chairman of Berkshire Hathaway, famously said, “You have to hang experience on the latticework of models in your head.” For years, food manufacturers…

Best in (Retiree) Class

By: Paul V. Shaheen, REBC, RHU, Vice President / Employee Benefit Solutions For years, many employers have considered offering group medical coverage for their retirees.…

Potential Reduced Work Comp Rate for Paid ‘Stay-At-Home’ Employees

By: Tony Hopkins, CPCU, CRM, CIC, Vice President / Risk Advisory Solutions NEW Workers Compensation Guidance from WCRB (Wisconsin) and NCCI (National) As a result…

Healthcare Market Overview: The COVID-19 Impact

April 16, 2020 / By: Michael E. Wojcik, MBA, CLU,CFP®, Senior Vice President / Employee Benefit Solutions As we navigate through the COVID–19 (Coronavirus) pandemic, healthcare…

Vandalism Prevention

By: Kevin Mershimer, Senior Sales Executive / Risk Advisory Solutions The definition of vandalism is the willful marking upon, defacing, and damaging of property. It is a…

Why the Vacancy Provision Matters in your Property Policy

Not all insurance forms are created equal. Some have standard ISO wording, while others have proprietary forms. Are they different? In short, yes, they can…

In times like these, focus on things you can control

We can’t control the severity of the COVID-19 virus. We can’t control the impact this virus has had on the stock market and economy. We…

Water, Water, Everywhere

Although these three words are borrowed from “The Rime of the Ancient Mariner,” they capture the heartbroken sentiments many homeowners experience after a failure in…

For Thriving Employees – Benefits Matter

We know that when employees are healthy, have lower stress levels, and are happier, they are generally better employees. Better employees are more productive and…

Self-Funded Benefit Programs from the Employee Perspective

As predicted, we saw healthcare costs rise in 2020, and unless we see a dramatic shift in health care legislation, those rates won’t go down…

Work at Home Ergonomics

With millions of Americans working from home and riding out the worldwide COVID-19 threat, there is a growing need to address workstation ergonomics in the…

Employee Benefits Market Positivity in an Unknown, Scary Time

By: Paul V. Shaheen, RHU, REBC, Vice President / Employee Benefit Solutions As the COVID-19 crisis continues, staying optimistic and positive has undoubtedly been a…

The Biggest Mistakes Your HR Department Might Be Making

Your Human Resources Department has more than likely changed dramatically over the past decade – less paper and more advanced technology. Before you implement a…

Wood Products and Lumber Site Loss Control Measures Amid a Pandemic

By: Kevin Mershimer, CIC, CRM, CSP, Wood Products Practice / Horton Risk Advisory Solutions The recent pandemic has impacted many of us and will continue…

Do You Actually Have Recall Coverage?

By: Dan Galos, Sales Executive / Horton Risk Advisory Solutions Does your business have a Product Recall policy? Which situation do you identify your business…