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Flood insurance: Tips to keep your finances on solid ground

Texas can’t seem to catch a break. Early last year the Lone Star State was suffering through a crippling drought, with lakes and riverbeds drying up, water reservoirs depleted, and no relief in sight. But a growing El Niño soon changed all that, bringing four weeks of storms in May and more torrential rains in October and November.

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Tagged Home & Auto

Five tips for negotiating health care costs

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Tagged Employee Benefits

Workplace wellness programs: aging dinosaur or evolving tool?

Ask any employer today about workplace wellness programs, and it’s a sure bet that for many of them, the concept has lost much of its glitter. After all, wellness programs were originally touted as a magic pill for reducing health care costs. But when there’s money to be made, big promises will also be made, and many health and wellness vendors have over-promised and under-delivered. On top of that, it’s tough to get true engagement. Many employees feel the programs are too confusing, inconvenient, unexciting, irrelevant, invasive or otherwise a waste of time.

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Tagged Health Risk Management, Employee Benefits

Crime insurance: Why you need it, how to choose wisely

Crime against your business is one of the most traumatic, potentially costly, even heartbreaking risks you face. And it happens every day, to businesses of every size – a trusted employee betrays that trust by stealing property or embezzling money, a cyber thief steals sensitive customer and employee data, or a burglar breaks in and steals valuable equipment.

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Tagged Risk Management, Business Insurance

Happy New Year from the IRS: ACA reporting deadlines extended

Wall Street may be having a tough start to 2016, but employers recently got a New Year’s surprise from Uncle Sam. On December 28, 2015, the IRS issued Notice 2016-4, extending the deadlines for some of the 2015 reporting requirements under the ever-evolving Affordable Care Act (ACA).

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Tagged Health Care Reform

Texas employment practices update: Overtime and sick time trends

There are few forces in nature like the wind blowing across the Texas plains. Just ask those who survived the recent outbreak of severe weather that brought 2015 to a close. For Texas employers, another kind of wind may soon be blowing across the Lone Star State: the winds of change, in the form of new overtime and paid sick time standards.

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Tagged Employee Benefits

In case of a lawsuit: Carry an umbrella policy

It’s no secret that lawsuits are a daily occurrence. There are endless ways you can get sued. Consider just a handful of possibilities:

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Tagged Home & Auto

Group benefits strategies: How to take control of excessive health care spending

Imagine that Gas Station A charges $2.50 a gallon. Gas Station B down the road charges three times as much at $7.50 a gallon. Where would you fill up the company car? At Gas Station A of course! 

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Tagged Employee Benefits

Transportation risk management: What the FAST Act means for truckers

On December 3, 2015, Congress passed the five-year, $305 billion Fixing America’s Surface Transportation (FAST) Act, increasing federal highway spending by 5 percent and transit spending by 10 percent for 2016, and at lower rates in subsequent years through 2020. It’s the first long-term transportation bill Congress has passed in more than a decade, and it’s already renewing confidence in the future of the nation’s transportation system.

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Tagged Risk Management

Is your safety committee a cost cutter or a time drain?

According to OSHA estimates, U.S. employers spend nearly a billion dollars every week in direct workers’ compensation costs alone. That’s just for starters. Indirect costs add even more to the bill – training replacement employees, investigating accidents, implementing corrective measures, repairing damaged equipment, and dealing with the costs associated with lost productivity, lower employee morale, and higher absenteeism.

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Tagged Risk Management, Business Insurance