Articles

What Your CGL Policy Won’t Pay For If a Builder’s Risk Policy Is In Place

In today’s competitive contracting environment, owners have a clear advantage when placing projects out to bid.

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Insuring Your Business Computers, Media, and Data

Virtually all businesses and organizations rely upon their computer and data management systems to conduct business efficiently and effectively. Technology is a substantial business investment and it is important that you are adequately insured against loss of hardware and essential data. Most property policies provide limited coverage for computer equipment and exclude losses that are specific to data, media, and losses caused by computer viruses or hacking.

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Absence Management: Controlling Costs and Improving Your Bottom Line

CFOs of both privately-held and nonprofit organizations are spending sleepless nights as they try to find ways to increase their bottom line in today’s business environment.

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Happy Birthday to the PPACA!

It’s hard to believe that it was one year ago that President Obama signed into law the Patient Protection and Affordable Care Act (PPACA).

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Updated Statutes of Repose vs. Statutes of Limitation

Normally, a statute of repose is an expression by the state legislature as to how far back one may look from the date the cause of action arises to have a valid cause of action.

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Spousal Carve-Outs and Surcharges

As health care costs continue to rise there has been an increasing number of employers considering the implementation of a spousal carve-out or spousal surcharge as a strategy to reduce costs. In its simplest form, an employer will either impose a surcharge for a spouse’s coverage, or make that spouse ineligible for the plan when the spouse is eligible for their own employer-sponsored coverage.

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105(h) Rules for Fully-Insured Plans Delayed

In a welcome development for employers who sponsor fully-insured health plans, the implementation of Section 105(h) non-discrimination rules contained in the Patient Protection and Affordable Care Act (PPACA), as applied to fully-insured plans, has been delayed.

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Rule Amended – Changing Carriers No Longer Causes Loss of Grandfathered Status

On Monday, November 15th, the DOL, HHS, and IRS (The Departments) jointly released an amendment to the interim regulations regarding grandfathered plans status.

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Oldco/Newco and the Transfer of Company Ownership

Transferring the ownership of an existing company can be a daunting process. In the most common scenario, employees without ownership interest seek to purchase a firm but lack sufficient capital to buy it outright.

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Defense Against Patent Infringement Suits

With the cost and complexity of Patent Infringement litigation increasing, many companies are now looking to insurance for specialized coverage to transfer this risk.

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The Role of Risk Management in Healthcare Operations

Our current economic climate is continuing to force healthcare organizations to evaluate operational efficiencies. Maximizing profits, or at least not operating at a loss, has long been at the forefront of business objectives.

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