Resources

The Importance of Homeowners Insurance

Although it’s always important to purchase homeowners insurance to protect your investment, some homes are harder to insure than others.

Preventing Water Damage

Did You Know? One of the most common homeowners insurance claims is completely preventable? It’s not fires or theft; it’s water damage. This is not…

Should Employees Be Allowed to Play Fantasy Sports at Work?

Fantasy sports have exploded in popularity over the past decade, with one of the most prevalent being fantasy football. Fantasy sports allow individuals to draft…

English-only Policies in the Workplace

There is no doubt that in order for business to be conducted efficiently, workers must be able to communicate with each other. To avoid issues,…

The Cost of a Restaurant Wage Violations

Hospitality jobs are often filled by young employees and foreign workers being paid minimum wage and who, for a variety of reasons, may not fully…

Common Restaurant Industry Fines & Violations

Get Educated on Federal Laws: Most employers want to be in compliance and their violations often stem from a foundational lack of knowledge of wage…

OSHA Fines to Increase Beginning Aug. 1, 2016

As part of the Bipartisan Budget Act of 2015, OSHA will increase its penalties for the first time in over 25 years. Although financial penalties…

Logging Operations: Yarding Safety

Next to felling, yarding (or skidding) is one of the most dangerous parts of any logging operation. If not treated with the proper respect and…

Preventing Workplace Crime

Submitted by Heritage Technology Solutions Protecting your business from crime – both internal and external – takes effort. But with criminals looking to take advantage…

OSHA Inspections and Penalties

Horton’s approach to safety and risk management focuses on developing and implementing industry leading practices. Clients who focus solely on compliance won’t enjoy the same…

Hiring Domestic Help

Fulfilling your legal tax requirements is easy if you know where to look for information! Contact the Internal Revenue Service at www.irs.gov. The IRS produces…

Critical Cyber Ruling – Defense Costs

Recently, Chicago Crain’s published an article, “P.F. Chang data breach lawsuit can go ahead”, discussing a critical ruling many of our clients and prospects don’t…

General Liability Covers Data Breaches?…..Not so Fast

By Mike Richmond, JD The United States Court of Appeals for the 4th Circuit recently upheld a District Court ruling that a General Liability policy…

Hire to Fit Your Company Culture

Poor hiring decisions can be extremely costly for your company, in terms of business interruption, lower employee morale, wasted recruiting and training resources, and more.…

Wrap-up Insurance Programs for Construction Projects

Managing all the risks inherent to large-scale construction projects can pose a significant challenge for all parties involved. The traditional method entails each party procuring…

Mental Health Benchmarking

As of 2014, the Affordable Care Act (ACA) requires most individual and small group health insurance plans, including plans sold on the Marketplace and Medicaid…

Children in Your Business? Blessing or Curse?

For the family business, the biggest uninsurable risk may be – the family! Few family business owners think of managing risk and family members as…

The Promise and Peril of Wearables

Wearable technology has made it’s way into the mainstream, embraced by consumers eager to track their calories and heart rate and catch the latest tweets…

Is Wage Growth Becoming a Risk

Since the 2009 recession, wages in the United States have been essentially flat. As the economy improves and employment increases, we are hearing many clients…

Saying Goodbye to Annual Performance Reviews

Annual performance reviews have dominated the HR landscape for decades. In recent years, though, questions have been raised about the effectiveness of annual performance reviews,…

Are you prepared for medical cannabis?

Authored by SmithAmundsen LLC – Noah A. Frank Medical marijuana (MMJ) is now permitted in 23 states and Washington D.C. Out of those 23 states…

Holiday Safety Tips

The holiday season is going strong and many families across the nation are jazzing up their homes with holiday décor and lights. While trees, lights…

Comparison of HSAs to HRAs and FSAs

This table details ACA changes to what is considered a qualified medical expense for reimbursement purposes from FSAs, HSAs, HRAs and Archer MSAs. …

Health Insurance Terms You Need To Know

The health care system in the United States can be confusing. In order to get the most out of your health care benefits, you need…