Additional insured coverage can protect your organization from liability due to contractors’ and subcontractors’ operations. Liability insurance covers you from losses due to claims your company, its employees or products or services caused harm or wrong to a third party. Sometimes, however, your organization can be considered “vicariously liable” when another business, such as a...
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Why You Need a Data Management Plan
Each record of sensitive personal information stolen or compromised costs companies an average of $201. That adds up to $5.9 million for every organization that had a data breach.* When people trust you with their personal information, they expect you to protect it. When something goes wrong and their data gets lost, stolen or compromised,...
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Liability Insurance for Nonprofits
November is Nonprofit Awareness Month. If you manage or serve on the board of one of the estimated 1.58 million nonprofit organizations in the U.S., thank you for your service. To ensure your organization can continue its good work, you have an obligation to ensure it has taken steps to reduce its liability risks. One...
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How the Affordable Care Act Affects Dental Plans
Although dental plans are “excepted health plans” exempt from Affordable Care Act (ACA) reforms, two provisions in the ACA could affect dental plans. Coordinating dental coverage with the Affordable Care Act’s requirements poses some challenges for plan designers and sponsors. Essential Health Benefits The ACA requires all health plans sold on the individual and small...
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Your Employees Want Education
Only one-third of working adults rated their employer’s benefits education as excellent or very good in a recent survey. With open enrollments coming, how does your benefits education program measure up? The survey, conducted by insurance company Unum, also found that benefits education correlates to employee satisfaction. Among the employees who rated their benefits education...
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How to Avoid Wellness Program Pitfalls
In August, the EEOC filed its first lawsuit against an employer regarding a wellness program. In October, it filed another. Here’s what you need to know to avoid wellness program pitfalls. The first lawsuit, EEOC v. Orion Energy Systems, alleges that Orion’s wellness program violated Title I of the Americans with Disabilities Act (ADA). Orion...
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Voluntary LTCI Fills the Long-Term Care Coverage Gap
November is long-term care awareness month. That makes it a good time to educate your employees on long-term care … and offer them coverage for this costly need. As the oldest boomers reach retirement age, now is the time for them to plan for their long-term care needs. According to the Centers for Medicare &...
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Better Employee Communication Could Improve Voluntary Benefits Satisfaction
Employees say they want more choice in their benefits programs. Employers have increased voluntary benefit offerings in response. But only 36 percent of employers are satisfied with employee participation in their voluntary benefit programs. What we’ve got here is a failure to communicate. Eighty percent of employees surveyed for MetLife’s annual U.S. Employee Benefit Trends...
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The Benefits of Offering Voluntary Benefits
Voluntary benefits can do two things for your benefit program. For smaller employers, they are a way to provide a variety of benefits at no cost. For larger employers, they can enhance employer-provided benefits. What are voluntary benefits? Under a voluntary benefit program, the employer offers employees a menu of benefits; employees pay for the...
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Good Housekeeping Reduces Workers Comp Costs
The U.S. Department of Labor reports that slips, trips and falls make up the majority of general industry accidents. They account for 25 percent of all reported workers compensation claims per year. More than 17 percent of all disabling occupational injuries result from falls. A good housekeeping program can help prevent many of these incidents....
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