Straight From The Source Blog by Higginbotham Insurance

Contractors: do you have a silica exposure control plan?

August 07 , 2019


The air your workers breathe could be killing them. Respirable silica is a known health hazard. Because silica has many applications in the construction industry, construction site managers and employers should be aware of the risks and know how to manage them with a silica exposure control plan.

Read More

Tags: Risk Management

August HR News Worth Review

July 31 , 2019


IRS Expands Preventive Care for HDHPs to Include Chronic Conditions

On July 17, 2019, the IRS released Notice 2019-45 to add care for a range of chronic conditions to the list of preventive care benefits that can be provided by a high deductible health plan (HDHP) without a deductible. This includes treatment and medication for asthma, diabetes, heart disease and depression, among others.

Read More

Tags: Compliance

Understanding commercial property insurance deductibles

July 24 , 2019

Money tornado

Your commercial property insurance policy likely includes a deductible. If you file a claim, the deductible is the amount you will have to pay out of pocket before the insurance company pays. While deductibles are seen in many types of insurance, from health to auto, they can work a little differently in commercial property policies.

Read More

Tags: Business Insurance

Five things to consider before switching car insurance

July 17 , 2019

GettyImages-car insurance

Switching your car insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch to a different insurance company.

Read More

Tags: Home & Auto

July 2019 Retirement Times

July 15 , 2019

Retirement Times Blog.jpg

Summer Homework for Fiduciaries

Read More

Tags: Retirement Plans

Understanding contractor qualification vendors

July 11 , 2019

GettyImages-understanding contractors v2

How safe is your supply chain? Even if a company works hard to maintain a high level of safety and quality, its reputation can suffer if suppliers and contractors are not equally cautious. Some issues may even result in expensive lawsuits and regulatory fines. Selecting the right companies to do business with can be a minefield. Contractors and suppliers also face difficulties, possibly being underbid by competitors that cut corners. This is where contractor qualification vendors step in to help.

Read More

Tags: Risk Management

New Texas statute enforces payment of deductible by homeowners

July 09 , 2019

house 2

Author: Andrea M. Palmer, JD, Director of Coverage & Litigation, Higginbotham

Read More

Tags: Risk Management

July HR News Worth Review

July 08 , 2019


Dallas and San Antonio Paid Sick Leave Starts Accumulating on August 1st

This past legislative session, the Texas Legislature failed to pass laws preempting paid sick leave ordinances that were passed by municipalities. While a similar ordinance in Austin was ruled unconstitutional by the Court of Appeals – and also enjoined from being implemented – no such legal actions have been filed with regards to the ordinances in Dallas and San Antonio. While it is likely that litigation will still be filed up until the August 1st implementation date, the lack of any such suits leaves employers with no choice but to prepare accordingly. Therefore, Dallas and San Antonio employers (and even companies based elsewhere with employees in those cities) should review their current leave policies to make sure that leave accumulation and utilization is handled correctly starting on August 1, 2019 (August 1, 2021 for small employers with less than five employees.)

Read More

Tags: Compliance

Increase efficiency and control liability with HR technology

July 03 , 2019

GettyImages-hr tech

When you work in human resources, you’ve got to be good at juggling. There’s new talent to recruit, benefits to manage and conflicts to resolve. You’re onboarding and offboarding and even crossboarding. And then there are all the rules and regulations. If anything goes wrong, you could be facing a lawsuit. An extra hand or two sure could help. Good HR technology would be even better.

Read More

Tags: Employee Benefits

Do rock chip claims impact my auto insurance rates?

June 26 , 2019

GettyImages-rock chip

We’ve all seen the tents in parking lots claiming, “Free rock chip repair!” But, there is a hidden cost somewhere. Some insurance companies will pay the people at the tent to inject an epoxy into the chip in hopes that it doesn’t run and turn into a non-repairable crack. After all, the insurance company clearly sees that $40 is better than the $250 to have the windshield replaced.

Read More

Tags: Home & Auto


Follow us on Twitter