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Should your business have terrorism insurance?

The terrorist attacks of September 11, 2001, were a game changer for businesses in the U.S. In a few tragic moments, it became clear that our businesses are just as vulnerable to man-made disasters as they are to natural disasters. Those attacks resulted in an estimated $40 billion in insured losses.

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Tagged Business Insurance

COBRA: Still relevant after all these years

Since the passage of the Affordable Care Act (ACA), we’ve seen a whirlwind of change in the health care and health insurance landscape here in the U.S., ushering in a whole new era of options and regulatory issues for both employers and employees.

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Tagged Health Care Reform, Employee Benefits

Renter’s insurance: Your lifeline back to normal

A three-alarm fire injures one tenant and destroys 10 units in a Dallas apartment complex. A two-alarm fire destroys a southwest Houston apartment complex. Twelve units are damaged in a Mesquite apartment fire. And a four-alarm fire damages multiple units at an apartment complex in northwest Dallas.

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Tagged Home & Auto

Avoid employment practices liability with legal background checks

One of the biggest challenges you face as an employer is finding and keeping great employees. In fact, the ability to attract and retain talent can be the deciding factor in whether you reach your business goals or fall short of your company vision.

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Tagged Business Insurance

Reminder of 2016 ACA reporting deadlines

As a reminder, the due dates for IRS reporting under the ACA are as follows: Forms 1095-B and 1095-C must be furnished to individuals no later than March 31, 2016. Filing the 2015 Forms 1094-B, 1095-B, 1094-C and 1095-C with the IRS must be completed no later than May 31, 2016, if not filing electronically, and June 30, 2016, if filing electronically. 

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Tagged Health Care Reform

Business interruption insurance: A lifeline to recovery

It’s a nightmare scenario for any business owner. Mother Nature cooks up a monster hailstorm, tornado or wildfire and puts your business squarely in the path of destruction. If you’re lucky, you’ll come through unscathed or with minor damage so you can patch up and move on.

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Tagged Business Insurance

A trend on the rise: Self-funded health insurance

Health care isn’t cheap. Neither is health insurance. In fact, this year in Texas, rumor has it that health insurers are asking to raise rates by more than 30 percent across the state and beyond. According to the Houston Chronicle, big names in the individual insurance market have been proposing double-digit hikes to some of their 2016 plans based on rising drug prices and the unanticipated costs associated with insuring tens of millions of new customers.

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Tagged Employee Benefits

Does your insurance carrier make the grade?

As a business owner, you carry the burden of responsibility to protect your company’s assets and keep the business financially sound. That takes a smart, proactive risk management strategy, including the right insurance coverage.

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Tagged Business Insurance, Employee Benefits

Seven tips to become a savvy health care consumer

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Tagged Employee Benefits

Drugs at work: Evolving employment practices liability for employers

Drug use in the workplace is nothing new to employers. It’s a problem that touches virtually every industry, and employers have long been aware of the possible consequences, including:

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Tagged Business Insurance