Category: Articles
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Benefits of a Standby Generator for Your Home
A power outage can be quite disruptive—especially if you or your spouse is working from home. Now is a great time to consider investing in a standby generator so you can be prepared for that next power failure. What Is a Standby Generator? There are two primary types of generators: portable and standby. While these…
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Protect Your Confidential Data
Even with tremendous investments in cyber security, the most common way for hackers and fraudsters to gain access to your confidential information is to trick you into opening or responding to an email or other online message that looks legitimate. Here are tips to help you avoid becoming an easy target for hackers and…
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7 Fire Pit Safety Tips
Whether you already have a fire pit, are planning to build one yourself or just purchased a portable one, it’s important to review these tips so that you and your family can safely enjoy time around the fire. Select the right spot for your fire pit. Build your fire pit on level ground and out…
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Leveraging Telematics to Reduce Insurance Premiums for Large Trucking Firms
In today’s evolving transportation industry, telematics has become the single most powerful tool for managing risk and reducing insurance costs. Trucking companies that invest in telematics solutions not only gain operational efficiencies but also create a data-driven approach to safety and risk management, which can directly impact their insurance premiums. Telematics: The Largest Predictor of…
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Compliance Q&A: How Long Should Benefits Be Continued During an Employee’s Leave of Absence?
Question One of our employees has been on medical leave for the past four months. Do I have to continue offering our medical insurance benefits or can I go ahead and terminate the medical coverage? Summary Ideally, the question of how long to continue benefits during an employee’s leave of absence (LOA)1 has been proactively…
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Understanding Flood Insurance Is More Crucial Than Ever
The devastating Hurricane Helene caused numerous fatalities and widespread catastrophic damage across the Southeast, including in many areas not typically prone to flooding. The increasing frequency of extreme weather events like Helene serves as a stark reminder of the importance of flood insurance, no matter where you live. Flood insurance is typically excluded on a standard…
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The ROI of Return-to-Work Programs: Better Claims Outcomes, Cost Savings
Return-to-work (RTW) programs are structured initiatives that aim to reintegrate individuals who have sustained workplace injuries or illnesses into their positions as soon as safe and feasible. These programs often include transitional jobs, reduced tasks, or alternate positions appropriate for the employee’s physical capabilities throughout recuperation. RTW programs represent a proactive approach to employee…
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Cyber Insurance Market Update – Q1 2025
The cyber market continues to be stable so far in 2025. That means customers in almost every industry class and across all revenue bands can purchase affordable cyber insurance coverage with sufficient policy limits to address many of the foreseeable incidents their companies may encounter. Part of this market stability and favorable pricing is due…
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Compliance Q&A: Can We Pay for Executive Physicals?
Question Can employers provide physicals for their executives? Summary Yes, but as with most things in benefits, you’ll need to think through the compliance considerations. Unfortunately, it’s not as easy as just reimbursing or paying the cost of the physical. Although it seems like a small thing, simply paying or reimbursing for the cost of…
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Compliance Q&A: COBRA Implications under Severance Agreements
Question Typically, when we terminate a management or executive employee, we agree to pay all or part of their COBRA premiums for a period of time. What compliance concerns should we consider? Summary While an employer may subsidize COBRA for terminated employees, including management and executives, there are potential compliance traps for the unwary. These…