Trending
Trump Administration Reshapes Health Plan Oversight
Trending Continued…
Compliance Update: Gag Clause Attestations, Contraceptive Coverage Ruling, and SF Ordinance Impacts
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
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
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
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.
Press
Ross Set to Become Chairman, Rosenhamer Elevated to President
Press Continued…
Managing Risks Associated with School Science Labs
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
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
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
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.
Publications
Tip of the Hat: 2024 Year in Review
Publications Continued…
Architecture of TGS: 2023 Year in Review
Modernizing Insurance: 2022 Year in Review
To our valued members of the INSURICA Community, We [...]
Integrity, Innovation, Purpose: 2021 Year in Review
To our valued members of the INSURICA Community, We [...]
Three Pillars of Growth
Three Pillars of Growth INSURICA executives share lessons in [...]
Blog
Understanding Educators Legal Liability (ELL)
Blogs Continued…
Fire and Security Safety for School Holiday Events
Fire and security safety for school holiday events should be a top priority as schools prepare for winter concerts, class parties, and seasonal performances. While these events foster community and joy, they also bring increased fire and security risks due to decorations, after-hours gatherings, and higher foot traffic
Cybersecurity Tips for Online Shopping During the Holidays
During the holiday season, it's often easier to shop online to find gifts for your loved ones. But while online shopping can save you a trip to the store, it also comes with cybersecurity risks.
Cyber Hygiene for Schools: Teaching Digital Safety to Students
Cyber hygiene for schools is more important than ever in today’s digital learning environment. Teaching digital safety to students not only protects their personal information but also strengthens overall school cybersecurity. With increasing online access in classrooms, cyber hygiene for schools must become a routine part of curriculum planning and student behavior expectations.
Mental Health Benefits Go Mainstream: What Employers Need to Know
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.
Podcasts
Client Buy In With Bakersfield’s Jeremy Hearron
Podcasts Continued…
The Evans Agency Joins INSURICA
The Evans Agency Joins INSURICA INSURICA's newest partner agency [...]
Michael Moore, Partner Club Profile
Michael Moore, Partner Club Profile The U Podcast features [...]
INSURICA Energy Practice Announces New Workers’ Compensation Program
 INSURICA Energy Practice Announces New Workers' Compensation Program INSURICA's [...]
Tim McFall Talks Compliance
Tim McFall Talks Compliance For employERs, staying in compliance [...]
Webinars
Section 125 Election Changes & HIPAA Special Enrollments: January 27th 2022
Webinars Continued…
Medicare and Employee Benefits: February 17th 2022
This webinar will cover employee eligibility issues including HSA eligibility, Medicare Secondary Payer (MSP) Rules that prohibit employers form incenting employees to take Medicare, the COBRA Medicare penalty trap some former employee face, and more.
Regulatory and Legislative: March 24th 2022
During this webinar, we’ll cover these and other important regulatory news that impacts employee benefit plans.
Regulatory Review & Wrap-Up
This webinar will review important employee benefits compliance issues from 2021 and look forward to developments coming in 2022 that will impact your benefit plans.
Employer Reporting
Attend this webinar to make sure you are ready for this year’s employer reporting season. We’ll also cover some state-specific employer reporting requirements to pay attention to.
























