"Business Insurance" Archives

  1. DOL Increases Civil Penalty Amounts for 2020

    On Jan. 15, 2020, the Department of Labor (DOL) released its 2020 inflation-adjusted civil monetary penalties that may be assessed on employers for violations of a wide range of federal laws, including: The Fair Labor Standards Act (FLSA); The Employee Retirement Income Security Act (ERISA); The Family and Medical Leave Act (FMLA); and The Occupational […]

  2. Coronaviruses and the Workplace – HR Insights

    Coronaviruses are fairly common and don’t typically affect humans. When they do, their effects are usually mild, as in the case of the common cold. However, deadlier variations of these coronaviruses have cropped up in recent years. Two examples of these evolved strains are the SARS virus of 2003 and the novel coronavirus, which was […]

  3. ACA Compliance Bulletin-PCORI Fees Reinstated Through 2029

    A federal spending bill enacted at the end of 2019 included several provisions affecting benefit plans. The bill repealed three major taxes and fees under the Affordable Care Act (ACA)—the Cadillac tax, the medical devices excise tax and the health insurance providers fee. The law also extended the PCORI fees for an additional 10 years. […]

  4. Federal Appeals Court Issues Affordable Care Act Ruling

    OVERVIEW On Dec. 18, 2019, a federal appeals court ruled in Texas v. Azar that the Affordable Care Act’s (ACA) individual mandate is unconstitutional due to the elimination of the individual mandate penalty in 2019. The appeals court remanded the case to the lower court to determine whether the rest of the ACA can remain […]

  5. California Mandates Employee Training to Combat Human Trafficking

    OSHA's Crystalline Silica Rule

    OVERVIEW California has enacted two laws that require certain employers in the hospitality and transit industries to provide employee training on how to recognize and report human trafficking. The new laws, known as SB 970 and AB 2034, went into effect on Jan. 1, 2019, but give subject employers until Jan. 1, 2020 or 2021 […]

  6. Employee Benefit Plan Limits for 2020

    Many employee benefits are subject to annual dollar limits that are periodically updated for inflation by the IRS. The following commonly offered employee benefits are subject to these limits: High deductible health plans (HDHPs) and health savings accounts (HSAs); Health flexible spending accounts (FSAs); 401(k) plans; and Transportation fringe benefit plans. This Compliance Overview includes […]

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  7. Some Employer Plans to be Affected by Proposed Rule on Health Care Transparency

    OVERVIEW On Nov. 15, 2019, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) issued a proposed rule regarding transparency in coverage that would impose new transparency requirements on group health plans and health insurers in the individual and group markets. Specifically, the proposed rule would require plans and issuers […]

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  8. Common Exposures of Craft Breweries

    Ninety-seven percent of breweries currently operating in the United States are classified as regional craft brewers, microbreweries or brewpubs. This section of the industry differs from more traditional, large-scale brewers, presenting owners with a unique set of risks that must be considered. Premise Liability When you open your property to the general public you are […]

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  9. OSHA Recommends the Use of Leading Indicators

    OSHA recently launched a new webpage encouraging safer workplaces through the use of leading indicators. Leading indicators are proactive and preventive measures that can shed light on the effectiveness of safety and health activities, and reveal potential problems in a safety and health program. One example of a leading indicator may be the amount of […]

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  10. Coverage Insights: Commercial Property Fire Coverage

    A fire in your workplace can be extremely costly; in addition to the costs associated with fixing the damages, there is also a good chance that your day-to-day business activities will be interrupted during the repairs. To avoid potential expenses related to workplace fires, it is important that you have adequate fire coverage, which is […]

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