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Professional Liability Insurance Trends in the Health Care Sector

Often referred to as medical malpractice insurance in the health care industry, professional liability insurance can provide financial protection for losses stemming...

Safety Focused – September 2023

Minimizing Amputation Hazards Amputations are some of the most serious and debilitating workplace injuries and can be caused by a variety of...

Trends Impacting Workers’ Compensation Insurance

Workers’ compensation coverage is not only required in most states but also plays a major role in connecting injured employees to the...

Preventing Falls Due to Extreme Heat

Preventing Falls Due to Extreme Heat Extreme heat creates many risks in construction. As an employee in this industry, not only should...

Benefits Buzz – August 2023

FDA Approves First Over-the-Counter Daily Oral Contraceptive On July 13, 2023, the U.S. Food and Drug Administration (FDA) announced that it approved the first...

Safety Focused – August 2023

Emergency Evacuation Best Practices When an emergency arises on the job, evacuating the workplace can be challenging. However, preparing in advance to...

Employee Misclassification Red Flags Under the FLSA

The Fair Labor Standards Act (FLSA) provides minimum wage and overtime pay protections to nearly all workers in the United States. Under...

Safety Focused – July 2023

Preventing Lyme Disease If you work outdoors this summer, you could be exposed to insects carrying various diseases. In particular, Lyme disease...

Utilizing HR Data to Improve Workplace Culture

Various factors can influence company culture, and new norms can be introduced to employees anytime. As technology advances and becomes more common...

Cyber Update – June 2023

Cyber Market Rights Its Course on Profitability Direct premiums written for the U.S. cyber insurance market rose 50% to $7.2 billion in...

The Benefits of Pay-As-You-Go Workers’ Compensation

Introduction Workers’ compensation insurance is a crucial aspect of safeguarding employees’ well-being and protecting businesses from financial liabilities in the event of...

Benefits Buzz – June 2023

HSA/HDHP Limits Increase for 2024 On May 16, 2023, the IRS released Revenue Procedure 2023-23 to provide the inflation-adjusted limits for health...

Safety Focused – June 2023

Preventing Dehydration at Work If you work outdoors or in warm environments, you could be particularly susceptible to dehydration – a condition...

Establishing Workplace Policies on Artificial Intelligence

Artificial intelligence (AI) has made its way into many workplaces nationwide and is rapidly changing how organizations operate and make decisions. In...

Safety Focused – May 2023

Prioritizing Hand Protection at Work A wide range of everyday work tasks may put your hands at risk. And while hand injuries...

Benefits Buzz – May 2023

End of COVID-19 National Emergency Impacts Health Plan Deadlines On April 10, 2023, President Joe Biden signed a resolution ending the COVID-19...

Work from Home Connection

Maximizing Your Productivity While Working Remotely It’s becoming more common for employees to work remotely. However, distractions are all around, especially when...

Rising Workers’ Compensation Expenses Linked to Facility Services Costs

A report from the National Council on Compensation Insurance (NCCI) examining countrywide medical cost trends revealed that health care facility services costs...

Safety Focused – April 2023

Setting a Good Safety Example As a co-worker of new employees, consider yourself the most critical role model during their first few...

Fostering a Neurodivergent-friendly Workplace

Neurodiversity refers to diversity in the human brain and cognition functions, such as thinking, learning and behaving. It’s the concept that the...

Live Well, Work Well Newsletter – April 2023

Managing Seasonal Allergies According to the Asthma and Allergy Foundation of American (AAFA), allergies are the nation’s sixth-leading cause of chronic illness....

Benefits Buzz: April 2023

Gag Clause Attestations are Due by December 31, 2023 On Feb. 23, 2023, the Department of Labor, Health and Human Services and...

Live Well, Work Well – March 2023

Increasing Your Nutrient Absorption With Food Pairings March is recognized as National Nutrition Month, making it a great time to evaluate the...

How Telemedicine Gives You the Most Out of Health Care Visits

Telemedicine – the delivery of health care from a distance using technology – has become increasingly popular following the COVID-19 pandemic. Telemedicine...

Construction Safety: Suspension Trauma

Suspension Trauma The risk of serious injury or death doesn’t end after a construction worker’s fall has been arrested. Although personal protective...

Benefits Buzz – March 2023

White House Announces End of COVID-19 Emergency On January 30, 2023, the Biden administration announced that it plans to end the COVID-19...

Safety Focused – March 2023

Elevator Safety Precautions Millions of employees utilize elevators each day. While elevators are considered one of the safest forms of transportation, it’s...

Benefits and Me – March 2023

Americans Are Delaying Medical Care Due to Cost A record number of Americans (38%) postponed medical care last year. The 2022 percentage...

The Future of Work-from-Anywhere Arrangements

American workplaces have changed drastically over the past three years. The COVID-19 pandemic propelled remote work into the spotlight and created new...

Restaurant Safety Matters

Mitigating Violence During Food Deliveries Delivery drivers who transport takeout food to restaurant customers must have direct contact with the public as...

Safety Focused – February 2023

Ensuring Forklift Safety Forklifts (also called powered industrial trucks) can be used to perform essential tasks in the workplace, but they are...

Benefits Buzz – February 2023

Congress Extends Telehealth Relief for HDHPs The Consolidated Appropriations Act, 2023 (CAA) extends the ability of high deductible health plans (HDHPs) to...

Benefits and Me – February 2023

How to Spot Errors on Your Medical Bill Health care advocacy group Medical Billing Advocates of America estimates that up to 80%...

Live Well, Work Well – February 2023

The Art of Waking Up Refreshed Some people wake up ready to take on the day, while other may need more time...

New Laws Expand Pregnancy and Nursing Accommodations

Two new laws that were included in the federal omnibus spending bill, enacted on December 29, 2022, expand workplace rights for employees...

2023 Workers’ Compensation Insurance Market Outlook

Data from the National Council on Compensation Insurance (NCCI) shows that the workers’ compensation segment has been profitable for eight consecutive years,...

2023 Commercial Auto Insurance Market Outlook

The commercial auto insurance market has faced substantial underwriting losses and diminished profitability for more than a decade. While the segment continues...

2023 Cyber Insurance Market Outlook

Evolving technology, increasing threat vectors are growing attacker sophistication has continued to drive up both the frequency and severity of cyber incidents,...

Why Dental Benefits Are Crucial for Your Overall Well-being

Selecting and utilizing dental benefits is crucial because the condition of your teeth and gums significantly impacts your overall health. Proper oral...

Benefits and Me – January 2023

What Happens If You Miss Open Enrollment? If you miss your open enrollment deadline, you could lose coverage and be unable to...

Safety Focused – January 2023

Ensuring Snowplow Safety Quick and efficient snow removal is essential at any workplace, as snow buildup can present hazards to employees, drivers...

Safety Focused – December 2022

Working Safely in Cold Weather Winter weather poses a number of safety risks, particularly for employees who spend a lot of time...

Media Liability Insurance

Today’s society has become increasingly digital in nature, prompting businesses to leverage additional technology and online services in their operations. Specifically, some...

5 Things to Consider During Open Enrollment

Open enrollment season – the annual period when you enroll in a health insurance plan – is now in full swing. For...

6 Common Mistakes to Avoid When Choosing a Health Plan

Health insurance may be one of the most critical annual purchases since it impacts your physical, mental and financial wellness. Unfortunately, selecting...

Affordable Care Act: 2023 Compliance Checklist

The Affordable Care Act (ACA) made a number of significant reforms to group health plan coverage when it was enacted in 2010....

Employee Benefit Plan Limits for 2023

Many employee benefits are subject to annual dollar limits that are adjusted for inflation by the IRS each year. The following commonly offered...

Duties in the Event of a Commercial Property Loss

Most people understand that insurance companies have a duty to reimburse insureds for commercial property damage not excluded by their policies. What’s...

4 Employee Engagement Tips to Prevent Quiet Quitting

“Quiet quitting” continues to be an emerging trend where workers only do what their job description entails without going above and beyond....

Safety Focused – November 2022

Minimizing Caught-In or -Between Hazards Caught-in or -between hazards may cause injuries if a person is squeezed, caught, crushed, pinched or compressed...

Live Well, Work Well – November 2022

How to Recession-Proof Your Life Many Americans and economist think rising inflation issues, interest rates and housing costs may be warning signs...

Benefits Buzz – November 2022

IRS Changes Family Coverage Affordability Rules On Oct. 11, 2022 the IRS released a final rule that changed the premium tax credit...

Builder’s Risk Insurance: Understanding What’s Covered

Builders risk insurance is a specialized form of property coverage that can help protect buildings and other structures under construction. Also known...

Differences Between Commercial Excess Liability and Umbrella Insurance Policies

Commercial excess liability insurance and umbrella insurance are secondary coverage policies that attach after primary insurance policy limits – such as general...

Signs of Trouble Seen for U.S. Commercial Auto Insurance Market

Despite having cause for optimism in 2021, the U.S. commercial auto insurance market shows signs of falling behind again in 2022 as...

Understanding FMLA Leave for Mental Health Conditions

Mental health is a growing concern in the workplace. Over the past few years, many employees have experienced mental health issues, such...

Safety Focused – October 2022

Avoiding Struck-by Incidents Struck-by hazards are present when a worker could be injured by forcible contact or impact with an object or...

Benefits Buzz – October 2022

oll at a later date. Although no specific penalties are associated with the notice requirement, failing to provide the notice may be...

Benefits Buzz – September 2022

ACA Pay or Play Penalties Increase for 2023 On August 16, 2022, the IRS updated its FAQs on the Affordable Care Act’s...

Safety Focused – September 2022

Preventing Repetitive Motion Injuries While repetitive motion injuries (RMIs) are common among athletes, these injuries can occur in the workplace too. Also...

2022 Workers’ Compensation Insurance Midyear Market Outlook

Unlike other forms of coverage, the workers’ compensation insurance market has stayed resilient in recent years. According to the National Council on...

Expanding the Talent Pool With University and College Recruitment Strategies

A common misstep in attracting or recruiting talent is setting narrow restrictions on who to interview or where talent is sourced. Often,...

Safety Focused – August 2022

Avoiding Workplace Safety Complacency Safety is paramount in the workplace to avoid illness and injury, which is why becoming complacent with safety...

Benefits Buzz – August 2022

Federal Guidance on Reproductive Health Care In the wake of the Supreme Court’s ruling allowing states to regulate abortion, federal agencies have...

Building Employee Skills With Microlearning

Employers today face many challenges. Among them are attraction and retention, and internal skills gaps. If an employee chooses to leave or...

Remote Work – July/August 2022

Combating Eye Strain Most adults are on digital media for about four to six hours daily. As a remote worker, you may...

Workers’ Comp Insights: 3 Trends Could Have Big Implications

Legislation surrounding the gig economy, single-payer health insurance and marijuana legalization all have the potential to impact the U.S. workers’ compensation system,...

Midyear Market Outlook: Commercial Auto Insurance

The commercial auto space has been largely unprofitable for insurance carriers over the past decade, with underwriters experiencing significant losses despite deploying...

DHS Ends Temporary COVID-19 Policy for Form I-9 Expired Documents

On May 1, 2022, the U.S. Department of Homeland Security (DHS) ended the COVID-19 Temporary Policy for List B Identity Documents. As...

The Value of Primary Care

Many people only think about going to the doctor’s office when they get sick or injured. However, even the healthiest adults need...

Benefits and Me – July 2022

4 Tips for Maximizing Your HSA Health savings accounts (HSAs) are an excellent tool for managing your out-of-pocket health care expenses. Consider...

Safety Focused – July 2022

Ensuring Safe Driving at Work Driving is a common task for many employees. Workers across industry lines may get behind the wheel...

Employee Retention Cheat Sheet

Employee retention refers to an organization’s ability to successfully retain its employees. While employers strive to keep top performers, employee turnover is...

Attracting and Retaining Construction Workers in Today’s Labor Shortage

Regardless of company size or industry, employers are struggling to attract and retain quality workers. With the construction industry expected to continue...

Tips for Collaborating Across Different Time Zones

Today’s workforce includes a mix of remote, hybrid and on-site employees. Regardless of your location, you’re likely collaborating with peers in different...

Prevention and Response Considerations for Active Shooter Incidents

An active shooter incident entails an individual or group of individuals entering a populated area to kill or attempt to kill their...

No Surprises Act: Transparency Reporting Pharmacy & Drug Costs

The No Surprises Act (NSA), enacted as part of the Consolidated Appropriations Act, 2021 (CAA), includes transparency provisions requiring group health plans...

IRS Raises Mileage Rates for Second Half of 2022

For the first time since 2011, the IRS has made a midyear adjustment to the optional mileage rate used to calculate the...

Requirement to Post Machine-readable Files Begins July 1, 2022

The Transparency in Coverage Final Rules (TiC Final Rules) require group health plans and health insurance issuers to disclose on a public...

Commercial P&C Price Increases Moderated in Q1 2022

Commercial insurance premiums rose for the 18th straight quarter to start the year. However, the increases moderated compared to the final few...

Remote Work Newsletter – May/June 2022

Identifying and Avoiding Phone Scams Every year, people report fraud, identity theft and bad business practices to law enforcement partners and the...

Safety Focused – June 2022

The Hazards of Poor Housekeeping Poor housekeeping in the workplace can be a serious issue. Not only does it lead to a...

Benefits Buzz – June 2022

HSA/HDHP Limits Increase for 2023 On April 29, 2022, the IRS released Revenue Procedure 2022-24 to provide the inflation-adjusted limits for health...

EEOC and DOL Issue Guidance on Artificial Intelligence and ADA Disability Discrimination

On May 12, 2022, the Equal Employment Opportunity Commission (EEOC) and U.S. Department of Labor (DOL) each issued new technical assistance documents...

Benefits and Me – June 2022

Adoption Assistance Benefits No one can put a price on raising a child, yet the cost of adoption can be difficult to...

What the EEOC’s FY 2023 Budget Justification Means for Employers

The Equal Employment Opportunity Commission (EEOC) recently presented its budget for fiscal year 2023. Examining how the EEOC intends to spend its...

Workplace Technology Trends Quarterly Newsletter – 2nd Quarter 2022

Using an Applicant Tracking System According to Capterra, 75% of recruiters and talent managers use recruiting software or an applicant tracking system...

Know Your Benefits

Employee’s Guide to Health Plans Definition Primary Care Physician (PCP) Network of Providers Referrals Deductibles, Coinsurance, Copayments, Claim Forms Fee-for-service (FFS) Health...

Live Well, Work Well – May 2022

Elevating Your Psychological Resiliency Psychological resilience refers to the ability to mentally withstand or adapt to uncertainty and adversity. Building resilience to...

Benefits Buzz – May 2022

IRS Suspends Notices to Delinquent Filers of Some Returns On March 22, 2022, the IRS announced it will temporarily stop sending written...

Safety Focused – May 2022

Avoiding Carbon Monoxide Poisoning Carbon monoxide (CO) is a byproduct of combustion. This gas is odorless, colorless and tasteless, so it can...

What Long COVID-19 Means for Return-to-Work Plans

Most of the United States is now open for in-person business, and mask mandates have mostly gone away. This can make it...

OFCCP Issues Guidance on EEO Laws for Federal Contractors

On April 6, 2022, the U.S. Department of Labor (DOL) announced a new directive issued by its Office of Federal Contract Compliance...

Coverage Insights: Business Owners Policy

A business owners policy (BOP) combines commercial general liability coverage with commercial property insurance for qualifying small and medium-sized companies. A BOP...

House Passes “SECURE 2.0” Bill

On March 29, 2022, the U.S. House of Representatives passed the Securing a Strong Retirement Act of 2022 with a bipartisan vote...

DOJ Issues Guidance on Opioid Addiction and the ADA

On April 5, 2022, the U.S. Department of Justice (DOJ) issued guidance on how the Americans with Disabilities Act (ADA) can protect...

IRS Proposes Change to Family Coverage Affordability Rules

On April 5, 2022, the IRS released a proposed rule that would change the existing rules for eligibility for the premium tax...

Coverage for Social Engineering Attacks (Crime vs. Cyber Insurance)

In the context of cybersecurity, social engineering refers to a cyberattack method in which a cybercriminal preys on key human behaviors (e.g.,...

The Status of OSHA’s Heat Hazard Protection Standard

On October 27, 2021, OSHA published an advance notice of proposed rule-making to officially start the process of creating a mandatory heat...

Tips for Choosing the Right Primary Care Physician

Selecting a primary care physician (PCP), also known as a primary doctor, is a critical step in managing your health care. A...