Now that marijuana use is legal in nine states, what does this mean for your workers’ compensation safety program? Twenty-two states and the District of Columbia now allow the medical use of marijuana. Colorado and Washington have also legalized its recreational use and possession. Will this send employers’ zero-tolerance policies up in smoke? Jeff Burgess,...
Read more
The Benefits of Structured Settlements
Once a worker suffers an occupational injury while working for you, he or she becomes your responsibility for life. If the injury recurs or flares up, the employer remains responsible for providing the necessary medical treatment. This holds true even years after a relatively minor accident. Some workers’ compensation claims remain open for years, or...
Read more
Your ACA Reporting Requirements
The Affordable Care Act (ACA) requires certain employers to provide “minimum essential” health coverage to their full-time employees. It also requires them to make certain reports. What are your ACA reporting requirements? W-2 Reporting The ACA requires employers that provide health coverage to calculate and report the cost of that coverage on employees’ W-2 forms....
Read more
Critical Illness Fills a Benefits Gap
Sales of critical illness insurance grew 90 percent (in premiums) between 2011 and 2012. Yes, 90 percent. Perhaps it’s time to consider adding critical illness insurance to your benefits portfolio. Critical illness plans have only been available in the U.S. since the mid-1990s. They were rather slow to take off at first, but the growth...
Read more
When Are Independent Contractors Considered Employees?
Hiring someone on an independent contractor basis has many advantages for employers. But treating workers like independent contractors when they should be classified as employees instead can cause costly problems. Independent contractors have many advantages for employers. Employers can hire them on a per-project basis and let them go when the project is completed. They...
Read more
Corporations of All Sizes Need D&O Insurance
D&O insurance helps companies of all sizes attract and retain top executive talent. Directors and officers liability insurance (D&O) covers corporate directors and officers from liability for negligent acts, omissions and misleading statements that harm employees or shareholders. Directors have serious responsibilities. When acting in their official capacity, they owe the corporation: A duty of...
Read more
How To Avoid Pregnancy Discrimination Claims
The EEOC has had pregnancy discrimination on its radar screen for a while. A Supreme Court case, Young v. UPS, will likely bring more attention to the issue. Many laws and regulations affect pregnancy and discrimination, disability, leave and accommodations. With women now comprising 47 percent of the U.S. labor force, at some point your...
Read more
Getting to Know Your Property Policy
Understanding the who, what, when, where and how of your property policy can ensure you have the coverage you need, when you need it. Who Business property policies cover real estate and personal property owned by the “named insured.” The policy lists this person or entity on the declarations page, located near the front of...
Read more
Using Carve-Outs to Customize Your Insurance Program
Carve-outs can help organizations better manage their property and liability exposures by “carving out” specific risks and insuring them separately. The technique might also save money. As insurance prices continue to increase and coverage becomes more restrictive, business owners and CFOs are looking for alternative ways to manage their risks. Some are turning to carve-outs,...
Read more
Why Empty Buildings Are Full of Risk
Vacancies create a host of problems for owners besides lost income. Here’s a list of some problems to be aware of, and what you can do to mitigate them. Vandalism Empty buildings practically call out to vandals. Although your commercial property policy covers property damage due to vandalism, most policies severely limit coverage once a...
Read more
- « Previous Page
- 1
- …
- 14
- 15
- 16
- 17
- 18
- …
- 22
- Next Page »