Resources

Coinsurance: A Hidden Penalty of Your Insurance Policy

By: Dan Galos, CWCA, AFIS, SBCS, Sales Executive / Risk Advisory Solutions A fire breaks out and burns part of the building where your business…

Biometric Information Privacy Act (BIPA) and the Need for a Cyber Security Plan

By: Aaron Turner, Practice Group Leader-Management Liability / Risk Advisory Solutions A casual review of the news will invariably treat readers to several fear-eliciting articles…

Business Insights – October 2019

As we inch towards 2020, there are many changes confronting employers in Illinois – legalization of cannabis, insurance rate increases and new requirements around sexual…

Protecting Four Critical Company Assets

By: Aaron Turner, Practice Group Leader-Management Liability / Risk Advisory Solutions Insurance brokers can sometimes get bogged down in insurance policy language, details, and comparisons…

Never Forget the Basics – COBRA Coverage

By: Paul V. Shaheen, Vice President / Employee Benefit Solutions As my old hockey coach once said: never forget the basics. After nearly a decade…

Cannabis and Drug Testing in Illinois – Getting Into the Weeds

Illinois is the 11th state to pass legislation allowing the sale and consumption of recreational cannabis. Unlike other states, Illinois amended other laws that protect…

DOL Issues Final Overtime Rule

The final rule’s 2020 effective date leaves little time for employers to prepare for the changes. The U.S. Department of Labor (DOL) announces a new final rule that updates…

Top ten facts about floods, protecting your valuables and umbrella policies

Flood and water damage to a home can be heartbreaking. Discovering you have no insurance coverage can be truly devastating. All homeowners’ policies have standard…

Identity Theft Insurance

Stories of the struggle of those falling victim to identity theft dot the news headlines regularly. In addition to taking sensible precautions, what can you…

What to Know About Co-signing a Loan

Co-signing on a car, house or school loan for a loved one is a great way to help them build their credit or obtain financing.…

OSHA is Coming… and You Invited Them In!

Several years ago, OSHA published a final rule requiring many employers to file information from the OSHA 300A form each year, electronically. The rule gives…

Understanding the Difference between Professional Liability and Contractor’s Errors & Omissions

By: Matt Meyer, Senior Sales Executive / Risk Advisory Solutions, Construction Practice Defining the purpose of both errors & omissions and professional liability coverage in…

HR & Technology, The Future is Now!

Is your organization in a position with drowning HR personnel who are overtasked with different responsibilities while also administering the employee benefits program? Maybe you…

Pet Food Myths: Busted!

By: Dan Galos, CWCA, AFIS, SBCS – Sales Executive / Risk Advisory Solutions “I make treats for my dog all the time. I share them…

Success in Wellness, Are You Seeing Results?

As wellness remains a popular buzzword around most businesses – is your wellness program driving the success you need to deem it “beneficial?” While participation-based…

Living in Interesting Times: Hardening Markets and Opioid Litigation

By Mike Madey, MBA, RPLU, MJ, Vice President of Horton Risk Advisory Solutions and Healthcare Practice Leader There is an old Chinese curse, which proclaims;…

Pitfalls of Indemnity Agreements: Protecting Yourself and Your Insurability

By: Matt Meyer, Senior Sales Executive / Risk Advisory Solutions, Construction Practice In the construction industry, contractors often rush to execute agreements without fully understanding…

What is Cadillac Tax?

Cadillac / Exercise Tax is a provision of the Affordable Care Act (ACA) that was designed to disincentive employers from offering benefit-rich plans. However, as…

Preventive Care Expansion on HSAs

Authored by Larry Grudzien, Attorney-At-Law In Notice 2019-45, the IRS expands the list of preventive care benefits permitted to be provided by a high deductible health plan…

OSHA – Crossing the T’s and Dotting the I’s

Many employers believe they are in full compliance with OSHA requirements only to learn, the hard way, there are pieces still missing. The complexity of…

Is Your Company Prepared to Save a Life?

With nearly 40 years of safety experience, I’ve dealt with too many horrific work-related injuries and fatalities. Companies often “get religion” after a work-related death…

Safety Challenges in a Strong Economy

It is hard to find something wrong with a strong economy, but there are a growing number of safety-related challenges associated with the current, robust…

Cyber Security: When Do We Wake Up?

One of the biggest risks that unknown and unaware of is cyber risk. The variety of attacks evolves year-after-year as cybercriminals continue to advance their…

It’s what’s outside that counts

Whether the sun is shining, wind is howling or snow is falling down, it’s important to maintain your home to prevent wear and tear over…