Articles

OCIPs – A Contractor’s Guide to Ensure Proper Protection

Why would an owner want to have their project insured by an OCIP in the first place? While reasons such as continuity of coverage, ability to have smaller contractors participate, and better claims resolution often are cited…

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State Individual Mandates and Reporting Requirements

Background The ACA includes a requirement for individuals to either enroll in “minimum essential coverage” or pay a “Shared Responsibility Payment.”  This is known as the “Individual Mandate” and was first reported on 2014 federal income tax returns. The “Tax Cuts and Jobs Act,” signed into law on December 22, 2017, reduced the Shared Responsibility […]

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Preventing Negligent Entrustment with Fleet Safety Policies

One key item insurers are reviewing in written fleet safety policies is whether systems are in place to ensure only qualified employees are driving on the company’s behalf.

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IRS Clarifies Employer’s Ability to Recover Mistaken HSA Contributions

Introduction On December 28, 2018, the IRS issued Information Letter Number 2018-0033 (https://www.irs.gov/pub/irs-wd/18-0033.pdf), which provides clarification about the situations in which an employer may attempt to recoup a mistaken contribution to an employee’s Health Savings Account (HSA). Specifically, the letter provides additional examples of HSA contributions, resulting from administrative or processing errors that an employer […]

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Security Strategies for CRE Projects Under Construction to Minimize Threat of Fire and Theft

Buildings under construction have a greater potential for significant property damage from fire than occupied buildings.

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HIPAA Privacy and Security Mistakes Employers Make

Introduction Employers often wonder what they need to do to ensure that their health plans comply with HIPAA, and there are plenty of resources containing instructions and guidance to this effect. But sometimes the best way to illustrate what should be done is talking about the things that should be avoided. This issue brief will […]

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How to Protect Your Organization and Increase Vaccination Rates

The measles is not your everyday mild rash that will clear with ointment. It’s an acute viral respiratory illness characterized with extremely high fever…

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Federal Court Blocks New DOL Association Health Plan Rules

In a case brought by 11 states and the District of Columbia, a federal court has struck down significant portions of the Department of Labor’s (DOL) association health plan (AHP) final rule. The new DOL rules were designed to make it easier for small employers and individuals to join together to offer or purchase health […]

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