“Need to Have” Liability Coverages for Every Business

February 8, 2019
There are insurance coverages that all businesses need, some that all business should consider, and some that you need only if you have special risk exposures. Need to Have Commercial general liability (CGL) is essential for every business. It will pay your legal costs, along with any... Find out more »

How to Protect Your Interests When Working with Contractors

February 4, 2019
One of the most effective and simplest ways of protecting your organization from liability due to contractors’ and subcontractors’ operations is with Additional Insured coverage. Liability insurance covers you from losses due to claims your company, its employees or products or services... Find out more »

“Nice to Have” Policies Many Businesses Need Have” Policies Many Businesses Need

January 28, 2019
“Nice to have” policies are those that all businesses should at least consider purchasing. Three of the most important ones include: Professional Liability In addition to lawyers, doctors and accountants, many businesses now need PL insurance. You don’t have to consider yourself a... Find out more »

Compact Workers Comp Glossary

Workers Compensation terms can seem arcane and legalistic. Although there are many special terms used in workers compensation insurance, these are basic. Though there are variations in terminology and procedure in every state, these definitions are widely used. Benefits Temporary Partial... Find out more »

Do You Need Professional Liability Insurance?

January 22, 2019
Unless you’re an attorney, doctor or accountant, it may not be obvious to you that you may need professional liability insurance. Forty percent of businesses believe they may have professional liability risks but have not purchased insurance for it, according to a recent survey of small... Find out more »

What to Expect From the ACA in 2019

January 14, 2019
The only thing certain about the Affordable Care Act (ACA) is change. And with a new year comes new compliance deadlines and proposed new rules and regulations. The Trump Administration has signaled its intent to propose legislation to again alter the ACA. Here’s what you need to know about... Find out more »

What’s a “Reasonable Accommodation”?

January 9, 2019
The Americans with Disabilities Act (ADA) and amendments apply to employers with 15 or more employees. These employers cannot discriminate against individuals with disabilities in hiring, promoting, retaining and other aspects of employment. The ADA requires affected employers to provide a... Find out more »

How to Maximize 401(k) Limits and Savings Strategies

January 7, 2019
Your employees will be able to save more money in their 401(k) retirement accounts this year. The big question, though, is should they save the annual maximum? New Contribution Cap For employer match accounts, the Internal Revenue Service raised the annual contribution cap for 401(k) and... Find out more »

Does Sick Pay do What it’s Supposed to do? The Case For and Against

December 11, 2018
Studies show sick pay can reduce the spread of disease in the workplace, but also increase absenteeism. Sick leave allows employees to take a set amount of paid time off when they’re ill. It’s a coveted employee benefit, but some observers wonder if it encourages absenteeism, while others... Find out more »

How to Keep Employees Safe While Traveling

December 4, 2018
Americans took more than 462 million business trips in 2017, according to the U.S. Travel Association. Most trips are 250 miles or less away from home. But even those trips create risk exposures. State laws govern workers’ compensation coverage. Although most policies limit coverage to... Find out more »