
Articles
Food Borne Illness Coverage for the Hospitality Industry
Wednesday, March 30, 2011
The Department of Agriculture estimates that 76 million Americans become ill each year from eating foods contaminated with bacteria, viruses, and parasites.
Equipment Breakdown Coverage For Property Owners
Friday, March 25, 2011
Many property owners have the misconception that their property policies include coverage for equipment that is installed in their buildings. While the standard property policy can provide coverage for the structure, contents, and potential loss of revenue in the event of a loss, equipment breakdown is excluded. In order to avoid a coverage gap, property owners also need an Equipment Breakdown policy, which is tailored to cover the loss exposures for equipment and systems installed in their buildings.
Planning for the Federal Estate Tax
Friday, March 25, 2011
Simply put, the U.S. federal estate tax is levied on the transfer of property when someone passes away. Similar to income tax, the estate tax is progressive with rates increasing as the value of the taxable estate increases.
What Your CGL Policy Won’t Pay For If a Builder’s Risk Policy Is In Place
Friday, March 25, 2011
In today’s competitive contracting environment, owners have a clear advantage when placing projects out to bid.
Insuring Your Business Computers, Media, and Data
Friday, March 25, 2011
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.
Absence Management: Controlling Costs and Improving Your Bottom Line
Friday, March 25, 2011
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.
Happy Birthday to the PPACA!
Thursday, March 24, 2011
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).
Updated Statutes of Repose vs. Statutes of Limitation
Thursday, March 24, 2011
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.
Spousal Carve-Outs and Surcharges
Thursday, March 3, 2011
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.
Breast Feeding Expenses are Now Tax-Deductible
Monday, February 14, 2011
The IRS announced on Thursday that breast pumps and supplies that assist lactation are medical care and will now be considered tax-deductible medical expenses.
105(h) Rules for Fully-Insured Plans Delayed
Thursday, December 23, 2010
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.
Rule Amended – Changing Carriers No Longer Causes Loss of Grandfathered Status
Tuesday, November 16, 2010
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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