Property and liability exposures are expanding far beyond anyone’s expectations. Seven figure jury verdicts have become commonplace and continue to rise. Whether it’s bodily injury, some other type of unintentional accident or advertising injury, the exposures are vast. That is why no business can safely operate without liability insurance
The best way to protect against loss is to minimize your exposure to third-party claims, and have adequate insurance incase they do occur. Our data-driven approach uses financial modeling to determine your risk tolerance, and analytics that guide program design and coverage decisions. You will have a complete and cost-effective plan that helps protect your business and allows you to focus on your goals — not your insurance.
The ESRM is the Employer Shared Responsibility Mandate, introduced by the Affordable Care Act, and is now fully implemented. This article is for you if your company is newly subject to the ESRM or if you are new to the ESRM.
Opioid use and abuse is becoming an increasing part of the national conversation — so much so that the Department of Transportation (DOT) recently changed its drug testing protocols to include several common opioids, which may impact how employers with DOT obligations administrate their drug testing programs. However, concerns about the impact of opioids in the workplace go well beyond DOT drivers, and many current non-DOT drug tests include screens for opioids. So what happens when someone tests positive? And should it matter whether they have a legitimate prescription for the opioid?
In a move that caught many employers off guard, on March 5 the IRS announced it was reducing the 2018 health savings account (HSA) contribution limit for individuals with family high deductible health plan (HDHP) coverage from $6,900 to $6,850. This new lower limit impacts both employers and employees.
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