Sorting Out the Alphabet Soup of Low-Cost Health Benefit Plans

June 17, 2019
You want to save money on health care benefits and you’ve heard there are some great alternatives to traditional insurance. But which option is right for your company? CDHP or HDHP? And do you need an HSA, HRA or FSA account? Here’s a quick look at what each plan and account... Find out more »

Cyber Liability Insurance Policies

Due to the lack of actuarial data, it’s been difficult to price cyber liability insurance.  This is one reason Insurers depend so much on evaluating each insured according to its risk management procedures and risk culture. As a result, cyber risk coverages are more customized and,... Find out more »

Two Essential Property Endorsements You Need if You Plan to Rebuild after a Loss

June 14, 2019
Your insurance may cover your losses, but will it be enough to meet new building code requirements if you rebuild? A good insurance program will protect your business property from loss due to fire, theft, vandalism and more. But without certain important coverages, your property coverage could... Find out more »

Is Fitness Tracking for Better Health Worth the Risk of Losing Privacy?

June 13, 2019
Would you require or incentivize your employees to share data from their fitness trackers if it would significantly lower premiums and/or improve their health? In exchange for discounts, many insurance companies now offer interactive policies requiring members to share health data captured... Find out more »

How to Fight the Opioid Epidemic

June 5, 2019
Death from an accidental opioid overdose has become one of the top five causes of death in recent years. The United States is experiencing an epidemic of opioid addiction. The National Safety Council released a report that a person born in 2017 has a greater chance of dying from an accidental... Find out more »

Preparing for a Workers’ Compensation Premium Audit

May 29, 2019
Your workers’ compensation policy might include a provision that allows your insurer to conduct a workers’ compensation premium audit. The results of the audit will affect your premiums, so it benefits you to be prepared! Your workers’ compensation premiums depend on two factors: your... Find out more »

Ways to Make Childcare Costs a Little More Affordable

May 22, 2019
Childcare can be an employee’s most expensive work-related expense. Fortunately, there is a benefit program you can offer that will at least provide tax relief to employees who use daycare providers. The program is the Dependent Care Assistance Program (DCAP). If you can’t offer a DCAP,... Find out more »

OSHA to Publish Specific Rules for Preventing Workplace Violence

There are four types of workplace violence. You should know the four ways to mitigate it. The Occupational Safety and Health (OSH Act) has traditionally invoked the General Duty Clause, rather than any specific rules, to address workplace violence. It requires employers to provide a safe and... Find out more »

How Workers’ Compensation Claims Reserves Are Set

May 6, 2019
It’s in your interest to make sure reserves are set as accurately as possible. When a workers’ compensation claim is filed with an insurance company or third-party administrator, the claims professional will try to establish the eventual cost to pay all expenses related to the claim.... Find out more »

Advantages and Disadvantages of the Emerging Telehealth Trend

Telehealth/telemedicine is being touted as a great innovation — the ability to talk to a provider any time of the day from home for little or no cost. There are advantages and disadvantages. If you sponsor a health care coverage plan for your employees, you might have considered the... Find out more »