Why Generics are Good for Your Pocketbook (and Health Insurance Premiums)

February 22, 2019
When available, generic drug substitutes generally save about 30 percent. Generic medications have been hailed as a great way to save money on prescriptions and control escalating health insurance premiums. Generics usually cost substantially less than name-brand drugs, but be aware that... Find out more »

Benefit Planning Strategies for 2019-2020

February 21, 2019
Although employer-sponsored group health benefit open enrollment is behind us, it’s not too early to start looking at what strategies will be in favor in 2019 to curb costs. The Society for Human Resource Management (SHRM) reports that group health benefits are expected to approach $15,000... Find out more »

“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 »

New AHP Resources Now Available

January 28, 2019
Employers interested in forming Association Health Plans (AHP) to purchase health care benefits for their employees have a resource to help with federal regulations and guidelines. The U.S. Department of Labor (DOL) added compliance assistance information to its Employer.gov website:... Find out more »

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

“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 »