Articles

Properly Managing Liquor Liability Risk

Hospitality businesses are exposed to potentially severe liability from the sale of alcoholic beverages. This reality stems from state laws traditionally known as “dram shop” laws, better known today as liquor liability laws.

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Tactics to Prepare Your Business for an Active Shooter

Most businesses conduct fire drills and have disaster recovery plans, but not many have created active shooter response plans. However, based on a 2016 report, business are more likely to be affected by an armed intruder than…

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How Employers Should Handle MLR Rebates

Employers who sponsor a fully-insured group health plan may soon be receiving a Medical Loss Ratio (MLR) rebate from their insurers. Self-insured medical benefit plans are not subject to these requirements. For employers who need a refresher on exactly how to handle the rebates, we’ve provided some background on the MLR rebate and have also […]

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Should Your Business be Considering Association Health Plans?

Association health plans, or AHPs, have been in the news quite a bit over the last year. In 2018, the rules were changed to allow insurance to be available for purchase across state lines, as well as…

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Becoming the CEO of Your Personal Life –
A Personal Insurance Series: Your Teen Driver

When it comes to risk management and insurance, it’s important to apply your business best practices to your personal life as well. All too often, we overlook assessing our risks

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Things To Know When Evaluating Reference-Based Pricing Models for Your Business

Healthcare costs continue to increase, prompting some employers to adopt strategies to help mitigate the impact. But not many have done so. One of those strategies is implementing a reference-based pricing (RBP) model…

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Here Comes the Hard Market – Risk Financing Options for Contractors

After years of a soft insurance market characterized by low rates, relaxed underwriting standards, and ample carrier and reinsurance capacity across all lines of coverage, the pendulum has started to swing in the opposite direction. A hard insurance market is coming…

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Medicare Part D Notice Reminder:
Deadline of October 14th

Employers with group health plans that provide prescription drug coverage to individuals who are eligible for Medicare Part D must comply with certain disclosure requirements.

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Keeping Up With Clinical Risk Management:
Should You Be Texting Your Patients?

As technology advances, patients are becoming increasingly active partners in their care. The boost in sales of personal mobile health devices that deliver instant results, such as Apple watches and Fit Bits…

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Insuring Against Contamination and/or Pollution in Healthcare

A healthcare facility is a place that most of us think of as safe when we are sick or injured. However, recent news of a local hospital shutting down all of its operating rooms due to mold contamination is a reminder that there are contamination and pollution risks associated with healthcare establishments.

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Becoming the CEO of Your Personal Life –
A Personal Insurance Series: Staying Current

When we make changes in our busy lives, it’s easy to forget how they may affect our personal insurance. As a result, people often have important coverage gaps or pay more premium than they should.

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Funding Healthcare and Retirement Expenses with HSAs

Today’s employers are faced with the monumental task of offering competitive benefits to a very diverse workforce in an extremely tight labor market (while keeping costs in check), promoting wellness and consumerism to its participants, and helping employees balance their needs for health and wealth management now and in the future.

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