INSIGHTS2023-06-15T14:57:15+00:00

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Compliance Update: Gag Clause Attestations, Contraceptive Coverage Ruling, and SF Ordinance Impacts

November 4th, 2025|

As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide.

Benefits Administration Update: MLR Rebates, Texas SB 1332, and Year-End Priorities

November 3rd, 2025|

As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end.

2026 Open Enrollment Checklist

October 31st, 2025|

To prepare for open enrollment, employers that sponsor health plans should be aware of compliance changes affecting the design and administration of their plans for plan years beginning on or after Jan. 1, 2026. These changes include limits adjusted for inflation each year, such as the Affordable Care Act’s (ACA) affordability percentage and cost-sharing limits for high deductible health plans (HDHPs). Employers should review their health plan’s design to confirm that it has been updated, as necessary, for these changes.

Hot Dog Incident on Highway Emphasizes the Risks of Cargo Spills

October 30th, 2025|

In August 2025, a tractor-trailer owned by a third-party freight carrier was transporting thousands of pounds of frozen hot dogs when it overturned and struck another vehicle on Interstate 83 while traveling through York County, Pennsylvania, resulting in the meat products spilling across the highway. According to local authorities, the incident occurred on a weekday morning during rush-hour traffic as the tractor-trailer was nearing an exit ramp. In this moment, the driver of the truck reportedly lost control due to an undisclosed mechanical problem, causing it to tip over, hit a nearby passenger vehicle and tear open the boxes of tightly packed hot dogs in the process.

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Managing Risks Associated with School Science Labs

March 15th, 2025|

Managing risks associated with school science labs is crucial to ensuring a safe learning environment for students and staff. Schools must take a proactive approach to managing risks associated with school science labs by implementing strong safety policies, proper materials management, and effective training programs. By addressing these key areas, schools can significantly reduce hazards while fostering a culture of safety in science education.

Managing Volunteers: Liability and Safety Considerations

February 28th, 2025|

Volunteer Management is an essential component of many school communities, contributing to educational programs and student activities through dedicated volunteer support. Effective volunteer management goes beyond recruitment—it also involves addressing liability and safety concerns to protect both volunteers and the school environment. In successful volunteer management, thorough background checks and proactive supervision are critical.

Improving School Parking Lot Safety

February 26th, 2025|

School parking lots are one of the busiest and most high-risk areas on campus. With students, staff, parents, and buses all navigating the same space, the potential for accidents increases. Ensuring a well-organized, clearly marked, and secure parking lot is essential to protecting everyone on campus. By implementing smart safety measures, schools can minimize risks and create a safer environment for all.

Preparing for Freezes: Protecting Your School During Cold Weather

January 17th, 2025|

Preventing Frozen Pipes in Schools is essential to maintaining a safe and operational learning environment during cold weather. Frozen and burst pipes can cause costly damage, disrupt daily activities, and compromise the safety of students and staff. By taking proactive steps, schools can effectively mitigate these risks and ensure their facilities are prepared for freezing temperatures.

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Understanding Educators Legal Liability (ELL)

November 27th, 2025|

Educators face unique professional exposures that go beyond standard general liability. That’s where Educators Legal Liability (ELL) coverage comes in. Understanding Educators Legal Liability is critical for school administrators, as it protects against claims related to employment practices, student rights, professional duties, and more. From wrongful termination to student disciplinary disputes, ELL can provide defense and indemnity for claims that other policies may exclude.

Mental Health Benefits Go Mainstream: What Employers Need to Know

November 26th, 2025|

Once considered a niche offering or a reactive add-on, mental health benefits have now moved to the center of the employee experience. In 2025, nearly half of U.S. employers offer some form of mental health support beyond traditional EAPs—a sharp rise from just 30% in 2023. This shift isn’t just cultural; it’s strategic.

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