2023 promises to bring sweeping changes for employers and the employee experience. A host of new labor laws, rules, and regulations are set to come

2023 promises to bring sweeping changes for employers and the employee experience. A host of new labor laws, rules, and regulations are set to come

The Department of Labor's (DOL) new rule on "Prudence and Loyalty in Selecting Plan Investments and Exercising Shareholder Rights," which allows for

Under the Americans with Disabilities Act (ADA), employers must provide reasonable accommodations for employees with disabilities to enable them to

Hailstorms can be swift and destructive, damaging buildings, outdoor equipment and vehicles in a matter of minutes. For commercial property owners,

When it operates correctly, your commercial property’s sprinkler system can play a vital role in suppressing a fire. According toa recent report

In the event of a catastrophic commercial property loss, the process of getting your business back up and running can be overwhelming. Although

The Stowers Doctrine holds that a liability insurer that undertakes the defense of an insured has a duty to act in good faith in settling a liability

The market for commercial property insurance continues to be challenging. Here are several factors contributing to premium increases for commercial

As the one-year anniversary of OSHA launching its National Emphasis Program for Heat approaches, it is important to revisit some key

When purchasing any product or service, it makes perfect sense to associate a better RATE with a better

On November 22, 2022, the U.S. Department of Labor (DOL) introduced new regulations that allow retirement plans to factor in environmental, social,

As businesses across the country struggle to adjust their budgets during an uncertain economic climate, ensuring employee well-being has become

Many companies have implemented rewards programs to retain employees and keep them engaged, motivated, and committed. The idea is that employees will

When floodwater from a severe, week-long storm started pouring through the walls of Becky Bentley's house, she knew she had to get out fast. In the

Distracted driving occurs whenever you engage in an activity behind the wheel that takes your attention away from the road. Such activities can

The labor market was a roller coaster in 2022, and it’s a safe bet that employers will still be challenged as they compete for top talent in 2023.

It’s critical for safety to be at the forefront of any organization, regardless of size or industry. By upholding a safe work environment,

According to the Centers for Disease Control and Prevention, heart disease is the leading cause of death for men and women in the United States.

At the end of December 2022, the SECURE Act 2.0 cleared both houses of Congress as part of an omnibus end of year appropriation. The Act is a package

With retirement just around the corner for many, employees are increasingly concerned about their retirement savings for several reasons, including

As HR teams re-evaluate their offerings in the coming year, they are focused on providing the best employee benefits in the most efficient ways. To

Over the last few years, almost every aspect of the workplace has changed, leading to many unforeseen challenges. Unfortunately, many of the

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall, but also within

Owners and managers of commercial property have an obligation to maintain safe conditions for employees and occupants. During the winter season,

The OSHA standard for blood-borne pathogens requires that any employee exposed to blood, or other potentially infectious materials (OPIM), follow

The winter months are notorious for bringing sickness. Flu season begins in October and ramps up into January. Colds are also more common during the

According to the International Risk Management Institute (IRMI), Action Over is a legal action involving an injured employee, when after collecting

Replacement or reconstruction cost is a type of insurance that covers the cost to replace or repair a building with materials of the same or

On October 18, the IRS announced that the annual contribution limit in 2023 for health flexible spending accounts (health FSAs) will be increased to

As inflation continues to impact the economy, many employers are trying to help employees with their finances by developing inflation-resistant

Stressors in the workplace can have a profound impact on mental health. The Deloitte Mental Health 2022 Report revealed that more than 80% of

Burnout is a real issue for many employees today. According to the 2022 Deloitte Mental Health Report, 55% of employees reported experiencing

According to professional services firm Aon, the average cost of healthcare for their own employees will increase by 6.5% next year. This is a

Environmental, social and governance (ESG) factors are often considered by socially conscious investors when evaluating companies on sustainability

You already know that your General Liability policy excludes ‘intangible’ property. That is why you had to buy a cyber liability policy. That

Attractive nuisances are man-made conditions on your property, vacant site or active site after-hours that draw trespassers. If children trespass on

If you are the parent of a teenager who is getting ready to climb behind the steering wheel, insuring them can be an expensive endeavor. This is

If you are the parent of a teenager who is getting ready to climb behind the steering wheel, insuring them can be an expensive endeavor. This is

The home insurance market is currently being challenged by significant market conditions. Companies that respond the best to inflation and challenges

The Occupational Safety and Health Administration (OSHA) stated that most road related fatalities occur on highways where there are seat belt

According to the Bureau of Labor Statistics nearly 500,000 workers are currently employed in the oil and gas extraction industry in the United

Properly trained personnel are essential for well control activities. Well control consists of two basic components: an active component of

The RxDC reporting requirement requires employers to submit prescription drug data to the Department of Health and Human Services (HHS), the

Telemedicine saw a surge in popularity during the COVID-19 pandemic, as it allowed for social distancing and reduced the risk of infection spread.

According to the Affordable Care Act (ACA), applicable large employers (ALEs) are obligated to offer full-time employees and dependents affordable

In today's competitive labor market, offering traditional benefits like healthcare is no longer enough to attract and retain top

The traditional enrollment process for employee benefits, which often involved filling out paper forms and waiting for them to be processed, has

Flammable liquids are present in nearly every workplace. Gasoline, diesel fuel, and many common products such as solvents, thinners, cleaners,

Health benefits are a top priority for most employers, but hearing health is often

President Joe Biden signed the Inflation Reduction Act (IRA) into law on August 16, following House and Senate passage. The law's healthcare

According to the Kaiser Family Foundation, approximately 156,199,800 Americans receive health coverage via employer-sponsored

As healthcare benefits costs continue to rise, 67% of U.S. employers are focused on cost control over the next three years. This is in response to an

United States Senators Tim Scott (R-S.C.) and Sherrod Brown (D-OH) have introduced the Advancing Auto Portability Act of 2022, which would make it

Although we strive to create a safe work environment for you, the risk of workplace violence in any health care facility remains a serious safety and

Mental health is a serious concern for the majority of American adults, according to a new survey conducted by the Kaiser Family Foundation (KFF) and

Hospital work often requires coping with some of the most stressful situations found in any workplace. On a daily basis, you must deal with

Active involvement with patients is the first step to avoiding medical malpractice. According to the Journal of the American Medical Association,

High-profile cyber attacks on companies such as Target and Sears have raised awareness of the growing threat of cyber crime. Recent surveys conducted

According to the Occupational Safety and Health Administration (OSHA), creating a strong safety culture has the single greatest impact on accident

The IRS has issued final regulations that change the way employer-sponsored plan affordability is calculated when determining if a family is eligible

There are countless eye hazards on a construction site, including particles that have been ejected from a tool or blown by the wind. Chemical

A catalytic converter is a device found in vehicles’ exhaust systems that converts environmentally hazardous exhaust into less harmful gasses.

As Hurricane Ian approaches the western coast of Florida, forecasts warn of a potentially life-threatening storm surge, destructive winds, heavy

The Bureau of Labor Statistics (BLS) announced that the U.S. consumer price index (CPI) increased 8.3% year over year in August 2022, remaining

The most costly winter weather event on record in the United States was the polar vortex that occurred in February 2021. This winter storm famously

Your ears are very sensitive. Prolonged exposure to loud noise can lead to permanent hearing damage and even cause you to go deaf. The Occupational

Cyberattacks are increasing in the construction industry. These attacks can shut down business operations, cause reputational damage and result in

The ability to work from home has been a lifeline for many during the COVID-19 pandemic, but some feel that a recession could jeopardize that

“Hot work” refers to any task that involves burning, welding, or the use of fire- or spark-producing tools, or actions that generate sources of

To attract and retain top talent, employers are increasingly offering improved health and benefits packages. A recent survey by Mercer found that

The energy sector is no stranger to a cyber attack. For many American families and businesses, the most personally disruptive incident in recent

As the shift to alternative sources of energy continues to be a topic of utmost relevance, investments in wind energy have become increasingly

In states where abortion has been banned, fertility treatments could also be affected, even if unintentionally. If the wording of the abortion bans

Healthcare experts predict that virtual physical therapy, or telerehabilitation, of musculoskeletal conditions will become increasingly popular and

On Aug. 19, 2022, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) jointly released a final rule

The proposed rule will provide guidance on how bona fide executive, administrative, and professional employees can be exempted from the minimum wage

Debt is often a taboo topic, but it's essential to talk about it openly. According to a recent study by Nerdwallet, the average American family has

The ranking order of benefits has returned to its pre-pandemic status, with health care and retirement benefits in the top two spots again. Overall,

The recent Supreme Court ruling on abortion has left many employers scrambling to understand the impact it will have on their ability to provide

Safety is a continuous process of managing risks that are presented to your employees. One example of this is OSHA’s Safe and Sound campaign week.

With over 4 million more job openings than employees to fill them, the task of talent acquisition and retention has become a significant challenge

In 2021, Congress passed the Consolidated Appropriations Act to put teeth into the Mental Health Parity and Addiction Equity Act (MHPAEA) of

Companies across the globe have been fighting cyber attacks for years, but the sophistication, frequency and intensity of attacks is

MetLife’s 20th Annual Employee Benefit Trends Study shows job satisfaction has tumbled to a two-decade low. Zillennials – who represent the

A brownfield is a property, the expansion, redevelopment, or reuse of which may be complicated by the presence or potential presence of a hazardous

Companies across the globe have been fighting cyber attacks for years, but the sophistication, frequency and intensity of attacks is

According to a survey by professional services firm Aon, the number of employers offering voluntary benefits increased by 41% from 2021 to

The risk that hand, wrist and finger injuries pose in health care settings is unique because it is associated with another, more serious risk: that

In recent years, active assailant incidents have become a growing concern across the United States. Most recently at an elementary school in Uvalde,

Equipment losses are on the rise and this affects most contractors directly or indirectly. Specifically, Inland Marine carriers are reporting upticks

Trailer Safety Week (June 5-11) is an annual nation-wide awareness campaign aimed at increasing awareness of the importance of being committed to

Trailer Safety Week (June 5-11) is an annual nation-wide awareness campaign aimed at increasing awareness of the importance of being committed to

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Because of age or incapacitation due to illness or injury, patients in health care settings often need help performing normal daily tasks like

After fracturing the entire well, workers decrease the pressure at the wellhead and drill out the isolation plugs. A mixture of fracturing fluid and

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

For most people, work can be both challenging and demanding. Meeting challenges can promote growth and increase resiliency for employees and

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

While insurance can’t ease the actual heartache from the loss of a special item, there are affordable additional insurance coverage options to help

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are

For most people, work can be both challenging and demanding. Meeting challenges can promote growth and increase resiliency for employees and

Site preparation for an oil and gas well usually looks like any other construction site. The Occupational Safety and Health Administration (OSHA)

Travelers Insurance recently released a report, based on analysis of five years of data, showing that over a third of workplace injuries occur in the

The Department of Labor Occupational Safety and Health Administration recently announced its national emphasis program to protect workers from heat

Cranes are massive pieces of equipment common to many construction sites that make lifting and transporting heavy materials much easier. While they

For most people, work can be both challenging and demanding. Meeting challenges can promote growth and increase resiliency for employees and

The Transparency in Coverage (TiC) rule is gaining more attention as the deadline to post a public link to certain machine-readable data files is

Trailer Safety Week (June 5-11) is an annual nation-wide awareness campaign aimed at increasing awareness of the importance of being committed to

Road rage—aggressive or angry behavior exhibited by motorists—is prevalent on U.S.

According to the Bone and Joint Initiative USA, nearly one in two Americans over the age of 18—or 124 million people—have a Musculoskeletal

The National Safety Council recognizes June as National Safety Month. The purpose of this event is to spread safety awareness to help prevent

From the National Utility Contractors Association: June 2022 has been declared “Trench Safety Month” by the National Utility Contractors

Site preparation for an oil and gas well usually looks like any other construction site. The Occupational Safety and Health Administration (OSHA)

After fracturing the entire well, workers decrease the pressure at the wellhead and drill out the isolation plugs. A mixture of fracturing fluid and

SILVER SPRINGS, Md. – For the seventh consecutive year, forecasters at the National Oceanic and Atmospheric Administration's (NOAA) Climate

In observance of National Heat Awareness Day (May 27) it is important to be aware of rising temperatures on the job site. Outdoor workers can be at

How the Ukraine Crisis is Affecting the U.S.

Employee well-being refers to the overall state of employees’ physical, mental, social and financial health, which can often be influenced by

The most common environmental and regulatory exposures encountered at agriculture and farming properties include the following:

Telemedicine, which the American Telemedicine Association defines as “the use of medical information exchanged from one site to another via

The U.S. Department of Labor (DOL) announced in February that it would be ramping up audits on

The most common environmental and regulatory exposures encountered at food processing facilities

Research by One Medical, a primary care organization, and Workplace Intelligence, an HR and advisory firm, revealed that 65% of workers would give up

The Occupational Safety and Health Administration (OSHA) keeps records not only of the most frequently cited standards overall, but also within

The explosive growth in toxic mold damage claims in the past decade has led to an almost universal exclusion of mold-related claims in commercial

Your employee is on a job site, working on a ladder. Even over the noise, the sound of the cracking is so loud that his coworkers stop suddenly and

The Employee Retirement Income Security Act (ERISA) provides insurance companies and private employers with guidelines on how to administer

Life insurance is usually purchased to protect a family’s finances when the breadwinner dies. But business owners may also wish to purchase life

The National Safety Council recognizes April as Distracted Driving Awareness Month. This event is intended to raise awareness about the dangers of

Even though we are well into 2022, there are compliance issue changes on the horizon involving overtime, booster shots and paid leave. Here’s what

As the weather warms and spring approaches, you may experience seasonal allergies. Such allergies can be mild for some but debilitating for others.

Ever stop scrolling on social media and realize you’ve been on the app for way too long? That’s the reality for many people as every video view,

Under the Affordable Care Act’s (ACA) employer mandate, applicable large employers (ALEs) must offer comprehensive health coverage to full-time

Electrical contractors are responsible for installing, maintaining, repairing and replacing electrical systems and machinery in residential,

OSHA keeps records not only of the most frequently cited standards overall but also within particular industries. An analysis of the most recent

According to the Bureau of Labor Statistics, more than 38 million workers quit their jobs in 2021. With employee resignations rising to record

In February, another category 3 tropical cyclone hit the republic of Madagascar, the second largest island nation in the world. This is the third

Which of your employer-sponsored health plan costs cause you the most headaches? If you’re like 60% of the employers surveyed by the National

Any discussion of insurance should start with risk. Why? Let’s look at the definition of

Flash fires are fires that spread rapidly through a diffuse fuel, such as dust, gas or the vapors of an ignitable liquid, lasting up to five seconds.

The process of rigging up is placing and assembling various parts of equipment that make up the rig. Then, the rig is prepared for

As a director or officer at your company, you face litigation risks based on the decisions you make following a breach and on how you influence

Developing an emergency response plan is a process that must be given proper attention. It is the basis for protecting people and the workforce in

Removing information from computing devices is called “clearing.” The National Institute for Standards and Technology (NIST) states that clearing

The commercial property insurance market has hardened in recent years, resulting in quarterly rate increases since Q3

In addition to ransom payments, ransomware attacks on manufacturing can also be extremely costly in terms of response and business interruption

Understand the factors contributing to the ongoing labor crisis, how employee shortages impact business liability exposures and steps employers can

It’s a dream come true for many Americans when they realize they can retire early. But when people retire early, they are too young for Medicare.

A new document designed to clarify the No Surprises Act regulations addresses some medical billing issues but leaves other important guidance to be

The Consolidated Appropriations Act has made it easier for grandparents to save money for grandkids in an employer-sponsored 529 plan — starting

Waste oil heaters, in addition to their environmental benefits, can benefit organizations, However, in order to avoid potential hazards, these

Offering your agent and underwriter all the information they need to tell the story of why your company is best-in-class is

Meeting a project’s green building standards presents additional risks as compared to traditional ones. The time to learn about them is before you

The last two years have been challenging, to say the least, but as our economy continues to stabilize, we are already seeing hiring pressures mount

Learn more about ways for institutions of higher education to keep students' private information secure while upholding the value of free exchange of

As a financial institution, your customers trust you with their money. This article provides an overview of common financial intuition exposures,

Although technology has made the workplace more efficient and convenient for workers, there are still basic tasks that involve pulling, pushing, and

Read on to learn more about board orientation best practices and what to cover during the

With a new year often comes new rules. Here’s what the federal government has planned for retirement savings plans in

On Jan. 13, 2022, the Supreme Court of the United States (SCOTUS) ruled to stay the Occupational Safety and Health Administration’s (OSHA)

Are you an employer who started letting employees work from home during the COVID-19

A cafeteria plan, also known as a Section 125 plan, is a way for employers to provide multiple benefits while lowering taxes for themselves and their

A study conducted by LIMRA, and Ernst & Young found that employees across all generations view workplace insurance benefits as more valuable today

EmsanaRx is a nonprofit coalition of almost 40 companies planning to offer pharmacy benefit management services to

Performing simple safety practices and maintenance on your fireplace can help keep your fireplace in good condition, ensuring your family and home

While insurance can’t ease the actual heartache from the loss of a special item, there are affordable additional insurance coverage options to help

As winter ramps up, it’s time to think about safely storing your recreational vehicle—or any other vehicle that won’t be in use—to avoid

Lifting safely is essential for keeping your back healthy and you safe. There are several safe lifting techniques that can help relieve strain on the

According to the NASBP, price escalation provisions are not one-size-fits-all and must be carefully drafted so that the escalation clause covers the

Most GC’s, trades and material suppliers operate on narrow margins where increases like these could be detrimental to the industry. In this current

What can companies do to lower the likelihood of a claim related to fleet drivers? Let's look at some fleet risk management best

COVID-19 has driven up mortality rates, so it’s no surprise that life insurance companies are taking note. Currently, they are re-evaluating their

The SECURE Act has made embedding annuities in 401(k)s more appealing to employees and safer for employers. However, there are steps an employer must

When we look at claims and incidents that happen across industries, we note that there will be a recurrence in some circumstances. Keeping U In Mind

An increasing number of employees view health and other benefits among their top three reasons for job satisfaction, according to studies by Ameritas

The energy sector has experienced significant challenges in terms of prices, demand, supply, investment, and a variety of other issues. Some oil and

The holidays can be a stressful time of year, and money is one of the leading causes of holiday anxiety. Here are a few pointers to help you stick to

Three federal agencies have issued guidance indicating that employers may legally offer a reduced health benefit premium to employees who are

Education is essential in preventing winter weather-related injuries. Consider the following recommendations to prevent slip and fall

GivingTuesday can spark a surge of support for your organization to collect donations and raise awareness about your cause. While this day provides

People using a PPO network will no longer have to worry about surprise medical bills beginning next

During the holiday season, it's often easier to shop online to find gifts for your loved ones. Consider these tips to stay safe and secure online

To prevent injuries and illness as a result of winter weather, it’s important to learn about the causes, symptoms, and safety considerations to

There’s growing state and federal government interest in ensuring employees have access to paid family and medical leave. Lets explore difference

Employers who self-insure their group health care benefits may find that carve-outs will help keep their premiums

Reaction to President Joe Biden’s COVID-19 mandate requiring most federal and private sector employees to get tested or vaccinated against COVID-19

The losses or damages covered by environmental insurance usually arise in the form of claims against insureds for bodily injury, property damage,

While many contractors assume that their commercial general liability (CGL) policy would cover environmental claims, the unfortunate reality is that

According to a recent whitepaper published by Environmental Risk Professionals, obtaining pollution liability insurance coverage to protect your

Whether your business leases a single passenger car or owns an entire fleet of commercial vehicles, auto liabilities must be monitored in order to

It is critical for businesses like yours to stay cyber-secure to safeguard company data, protect customers’ personal information and ensure

A security threat or disaster could occur at any time. Make sure your business is prepared with a well-developed continuity

As fall and winter bring colder temperatures, the warm interior of your home can provide shelter, breeding spaces and access to nourishment for

Dealing with in-home sales has its drawbacks, but it is a vital aspect of working with homeowners. Always ensure that your contracts are compliant,

Fortunately, workplace injuries and fatalities have declined significantly over the years. Unfortunately, many workplace injuries and fatalities

If localized breast cancer is detected early, the five-year survival rate is 100%! That’s why you should see your doctor regularly and conduct

Normalizing or justifying data breaches can have serious consequences for an organization's customers, bottom line, and reputation. This article

A voluntary plan that turns out not to be voluntary can also be a complicated maze of paperwork for an

While some employees aren’t saving enough for retirement, some save too much in their plans and pay the price in

The lure of lower health insurance premiums is enticing some employees to get vaccinated against

Medical experts attribute the development of breast cancer to a combination of both unknown and known risk factors. Some risk factors are

COVID-19 survivors who suffer long-term health challenges might qualify for protections under the Americans with Disabilities Act

By taking the time to maintain your home each season, you can keep common household problems at bay.

Most general contractors, trades and material suppliers operate on narrow margins where current increases in the market could be detrimental. In this

Actual Cash Value or Replacement Cost. When purchasing insurance for your home it's important to know the difference between actual cash value and

For every $1 invested in the treatment and support of mental health disorders, an employer can see a return of $4 in improved health and