Articles
Where You Stand If Non-Renewed Due to Wildfire Risk
More and more residents of smaller towns and cities in California are facing a stark reality of having their insurer non-renew their homeowner's insurance policy, only to find few if any other carriers willing to step up to take on the risk. The reason, of course, is...
Earthquake Risk Requires Smart Planning and Insurance
Life in most of parts of California comes with the inherent risk that an earthquake can strike suddenly and without warning. You probably didn't know that the state has more than 10,000 seismic events every year, but fortunately most of them are too small for people...
Most Employees Spend Little Time Choosing Their Health Plan
A new study has found that individuals enrolled in high-deductible health plans (HDHPs) are more engaged than their traditional plan counterparts during open enrollment, spending more time on choosing plans and using employer-provided tools to help them make their...
Bill Would Pave Way for Stand-Alone Telehealth Coverage
A bipartisan group of House legislators in February reintroduced legislation from 2022 that would pave the way for employer-sponsored, stand-alone telehealth benefits plans. The bill is important as the current law allowing health insurers to cover telehealth benefits...
Employers ‘Unwavering’ in Providing Group Health Benefits: Research
Large employers are unwavering in their plans to continue offering group health plans to their workers instead of funding individual reimbursement accounts that would allow them to shop for plans on government-run exchanges, according to new research. The poll of 26...
Making Your Voluntary Benefits Program a Success
Both employers and employees have much to gain from a solid voluntary benefits program. For employees, being able to enroll in an insurance product through a workplace voluntary benefits program offers them the advantage of group pricing, the convenience of paying...
Do You Need Full Replacement Coverage for Your Commercial Property?
The owners of a new company found a building on the market for an affordable price, so they bought it. Built in the 1940s to manufacture aircraft for the war effort, the metal structure had a large open space. The company occupying this space was in the software...
Phishing Attacks on Business Smartphones Hit Record Levels
Phishing attacks on enterprise and employee-owned smartphones increased 10% in 2022, according to a new report highlighting the continuing and growing risk of these attacks. As more businesses have adopted bring-your-own-device (BYOD) policies, the risks grow for...
Construction Falls and the Dangers of Suspension Trauma
One of the most common construction industry accidents is falls from heights, which is why it's crucial that you have in place fall protection systems for your workers. One of the best ways to prevent injuries and death from falls is by using a fall-arrest system. But...
You May Need to Rewrite Your Severance Agreements after NLRB Ruling
The National Labor Relations Board has taken a big step in deciding that non-disparagement and confidentiality clauses in employee severance agreements are illegal, a move that will require most employers to rewrite theirs. The board ruled that these provisions stifle...
The Importance of Filing Claims in a Timely Fashion
One of the keys to having your insurance claims paid promptly is to file them in a timely manner. Virtually all commercial insurance policies — from liability and workers' compensation to commercial auto and property — require that a notice of claims be filed within a...
Pesticide Safety and Your Farm Workers
Using and storing pesticides in an agricultural environment requires particular care and adherence to safety regulations and laws, as many of them can be hazardous to workers if they are exposed to them through the skin, eyes, by mouth or in the air they breathe....