Blog

The start of the school year is upon us once again this Fall. If you are sending your son or daughter off to college, personal insurance coverage may be the last thing on your mind. Don’t worry because you might already have coverage in place. How are your child’s personal belongings covered when they are […]

With the exception of a few bells and whistles, commercial insurance policies are “all the same, just a commodity,” right?  “Once you have read one business owners’ policy, you have read them all,” right?   Not so when it comes to environmental liability insurance.  The coverage grants, terms, and conditions in environmental liability policies can vary […]

Many employers have started to receive letters from Health and Human Services (HHS) informing them that one or more of their employees have received a subsidy towards their coverage in the federal Health Insurance Marketplace. The letter is to confirm the individual employee’s eligibility for that subsidy. One of the criteria for an individual to […]

The PCORI Fee for the 2015 plan year is due on August 1, 2016. The fee is filed on IRS Form 720, the Quarterly Federal Excise Tax Return. The fee may be filed electronically or mailed to the IRS. For fully insured plans, the health insurance issuer will pay the fee. Employers with self-funded plans are generally […]

Theft of business assets by employees is very common, and is growing because of the complexity of today’s business environment and new electronic technology which enable this type of crime. It is not governed by size of commercial enterprise, type of asset, or economic environment. It consists of cash, balance transfers, securities, and all other […]

Since March 23, 2010, most employee benefit plan sponsors have focused their regulatory attention on the Affordable Care Act (ACA), and for good reason! The Affordable Care Act has required extensive changes to the way employers and insurance companies offer benefits. With so much attention focused on the ACA and the employee benefit purchasing process, […]