Managing Mold Exposures
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 property and general liability policies.
Employers’ Guide to Understanding ERISA
The Employee Retirement Income Security Act (ERISA) provides insurance companies and private employers with guidelines on how to administer retirement and health plans to employees.
Life Insurance for the Life of Your Business
Life insurance is usually purchased to protect a family’s finances when the breadwinner dies. But business owners may also wish to purchase life insurance to protect partners, the business and employees.
Compliance Issues for the Rest of 2022
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 the changes could mean to your company this year.
Managing Seasonal Allergies
As the weather warms and spring approaches, you may experience seasonal allergies. Such allergies can be mild for some but debilitating for others.
Excessive Phone Use and Associated Health Risks
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, swipe and double-tap add up.
Not Following the Employer Mandate Can Mean Stiff Penalties
Under the Affordable Care Act’s (ACA) employer mandate, applicable large employers (ALEs) must offer comprehensive health coverage to full-time employees. Employers who don’t comply will face penalties if any employees become eligible for premium credits in the healthcare marketplace.
Insurance Needs for Electrical Contractors
Electrical contractors are responsible for installing, maintaining, repairing and replacing electrical systems and machinery in residential, commercial and industrial environments. Due to the complex nature of their work, electrical contractors are exposed to unique risks and should consider construction insurance coverage to mitigate those risks.
![[safety body construction] Working at height equipment. Fall arrestor device for worker with hooks for safety body harness on selective focus. Worker as in construction background.](https://insurica.com/wp-content/uploads/2022/03/Safety-OSHA-scaled.jpeg)
Most Costly OSHA Violations for the Construction Industry
OSHA keeps records not only of the most frequently cited standards overall but also within particular industries. An analysis of the most recent statistics from OSHA revealed the top standards cited in the fiscal year 2021 for the construction industry.
How to Fight the Employee Exodus
According to the Bureau of Labor Statistics, more than 38 million workers quit their jobs in 2021. With employee resignations rising to record numbers, employers are looking for ways to curb the exodus.