Insights, Expert Advice and Industry Updates

The insurance carriers we work with share our values, putting client interests first. But once in a blue moon, we run into a problem.

Case Study: Trust, but Verify. Every Time.

Apr 30, 2022

3-minute read THE CHALLENGE: The insurance carriers we like to work with deliver on their promises and put client interests above all else. Unfortunately, sometimes, even the best …

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The Consolidated Appropriations Act: What Plan Sponsors Need to Know

Apr 22, 2022

The Consolidated Appropriations Act of 2021 (CAA) includes provisions that create a new fiduciary obligation for employers and change the way health benefits brokers and health insurance companies …

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Medicinal marijuana use is legal in many states, but employers still have questions about what workers’ compensation will and won’t cover.

Medical Marijuana, the Workplace and Workers’ Compensation

Apr 21, 2022

Medicinal marijuana use is legal in more than two-thirds of the U.S., but employers still have questions about what workers’ compensation insurance will and won’t cover and what …

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The House of Representatives has once again voted in favor of decriminalizing marijuana at the federal level.

Marijuana Legalization Bill Passes U.S. House

Apr 6, 2022

It’s unlikely to win support in the U.S. Senate, but the House of Representatives has once again voted in favor of decriminalizing marijuana at the federal level. The …

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Misclassification of employees is often done to avoid carrying workers’ compensation insurance on the employee, and it’s surprisingly common.

The Risky Business of Misclassifying Employees

Mar 15, 2022

It’s happened to Uber, FedEx and Lyft, huge companies that found themselves paying huge settlements, including fines, after facing class action lawsuits claiming they misclassified employees as independent …

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Average premium increases for cyber insurance increased a stunning 34.3% in the fourth quarter of 2021, a magnitude not seen since 9/11.

Cyber Insurance Premiums See Sharp Increase

Mar 8, 2022

Average premium increases for cyber insurance increased a stunning 34.3% in the fourth quarter of 2021, a magnitude not seen since the 9/11 terror attacks, according to the …

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Weary of waiting for our elected officials to get their act together on drug costs? Consider a specialty drug “carve-out.”

How Carve-Outs Can Help Employers Regain Control of Drug Costs

Mar 8, 2022

Donald Trump tried to do it, and Joe Biden is trying now, too. Polls show the vast majority of Americans like the idea a lot. Yet Congress has …

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Minimizing the Impact of Inflation on Your Insurance Premiums

Mar 3, 2022

The last time we wrote about inflation, there was some hope that it would be transitory. Well, we now all know better, right? Over the past year, inflation …

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12 Warning Signs of Workers’ Compensation Fraud

Feb 15, 2022

The workers’ compensation insurance system is a no-fault method of paying workers for medical expenses and wage losses due to on-the-job injuries. While the majority of workers’ comp …

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