Articles

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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Lights Out: Are you ready

We are heading into the time of year when power interruptions become more frequent, but we are often unprepared when the outage is unexpected and more severe that anyone could predict.

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The Beneficiary-Controlled Trust

It has long been ingrained in American property law that we have the right to determine who will receive our property after we pass away. In the United States, the majority of laws on disposition of property at death are governed by the states.

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Food Processors: Products Recall & Contamination

Whether your company processes complex recipes to make exotic foods or your operations involve fish or vegetable preservation, you have unique exposures that require unique insurance coverages. One pertinent and important coverage is Products Recall & Contamination.

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Do You Need Real Estate Development Professional Liability Insurance?

In addition to General Liability coverage, which responds to claims involving bodily injury and property damage to third parties, a Real Estate Development Company should also consider Professional Liability exposures and the need for Professional Liability insurance.
 

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