Straight From The Source Blog by Higginbotham Insurance

The commercial property insurance market has hardened

February 2020 Retirement Times

Managing employee benefits: How to combat rising pharmacy costs

February HR News Worth Review

Six pieces of technology that can keep your home claims-free

January 2020 Retirement Times

How your insurance can support a healthier, happier you

What employers should know about the new form W-4

Life changes, so should your insurance policy

January HR News Worth Review

Are you ready for the Drug and Alcohol Clearinghouse?

Protect yourself against illegal acts with crime coverage

Individual Mandate Ruled Unconstitutional, But ACA Itself Remains In Place and Cadillac Tax Repealed

The purpose of "primary and noncontributory" contract language

Identity theft: an unfortunate reality

December 2019 Retirement Times

COBRA administration: the overlooked compliance pitfall

December HR News Worth Review

Holiday theft protection: beware of thieves!

Crowd control during retail sales events

What is the FMCSA safety measurement system?

Top avoidable leave of absence mistakes

November HR News Worth Review

How to ease Medicare enrollment and get back to enjoying retirement

Ride sharing: who's liable for accidents?

Do your homework before hiring a contractor from Craigslist

October 2019 Retirement Times

October HR News Worth Review

How to hire for diversity while avoiding reverse discrimination claims

Will you still be in business after disaster strikes?

Beware of uninsured motorists

September 2019 Retirement Times

How employers can leverage data for positive impact

Global risk: Do I need specific coverage for my overseas business?

September HR News Worth Review

The Texas Residential Construction Liability Act

Educating your children about insurance before they leave for college

Financial wellness: should you offer student loan assistance benefits?

Protect your accounts receivable with trade credit insurance

Contractors: do you have a silica exposure control plan?

August HR News Worth Review

Understanding commercial property insurance deductibles

Five things to consider before switching car insurance

July 2019 Retirement Times

Understanding contractor qualification vendors

New Texas statute enforces payment of deductible by homeowners

July HR News Worth Review

Increase efficiency and control liability with HR technology

Do rock chip claims impact my auto insurance rates?

Final Rule on Employer-Sponsored HRAs for Individual Coverage Released

10 tips to get the best commercial auto insurance

June HR News Worth Review

Construction contracts: Oklahoma's anti-indemnity law

How to count employees for compliance purposes

May 2019 Retirement Times

Workers' compensation: 7 best practices for injury case management

May HR News Worth Review

Why telehealth services continue to gain popularity

How catastrophes impact building costs

Renter's insurance helps protect more than just your personal items

Seven paid leave compliance tips for multi-location businesses

April 2019 Retirement Times

Which flood insurance is the best option for your business?

Five common places to check for water damage before it happens

April HR News Worth Review

Non-owned and hired auto exposures

When it's time to engage an HR consultant

EPL Insurance in the #MeToo Era

March HR News Worth Review

Understanding contractual liability insurance coverage

Do you know what determines your car insurance rate?

How a learning management system can boost your safety training effectiveness

February 2019 Retirement Times

Coinsurance case in point: two owners, two outcomes

February HR News Worth Review

Understanding reference-based pricing in employee benefits

How to protect yourself from a dog bite claim

Am I protected when serving on a nonprofit board?

Your 10-point game plan for OSHA inspections

January HR News Worth Review

Updating your insurance needs for the New Year

January 2019 Retirement Times

Is the individual mandate dead?

Take control of employee benefits costs by targeting these 10 conditions

10 questions contractors should ask before purchasing business interruption insurance

Texas Judge Rules ACA Unconstitutional but Law Remains in Effect

Make home security your top priority

December HR News Worth Review

Company party protocol: 8 tips for incident-free events

Sewer backup prevention and homeowners insurance

November 2018 Retirement Times

Is alternative risk transfer right for your business?

November HR News Worth Review

Winter driving tips for truckers

Identity theft insurance: The crucial fifth pillar of financial wellness benefits

October 2018 Retirement Times

Don’t let vacant property insurance become a ghoulish nightmare

Safe driving alert: 10 autumn hazards

How to communicate your total rewards program

October HR News Worth Review

Indemnity and insurance disagreement in contracts

September 2018 Retirement Times

Helping employees understand their health savings accounts

Preparing for an active shooter in the workplace

The basics of special events insurance

September HR News Worth Review

Insurance know-how for newlyweds

Why you should include accident insurance in your voluntary benefits line-up

Update on Municipal Paid Leave Laws in Texas

Keep your home safe from wildfire risks

Protecting your business against employment related lawsuits

August HR News Worth Review

Oilfield contract risk management: Louisiana anti-indemnity laws

August 2018 Retirement Times

Is your wellness program putting your company’s financial health at risk?

Filling coverage gaps with inland marine insurance

July HR News Worth Review

Small auto accidents: Should you file a claim?

Help your workers avoid heat-related illness

PCORI fees due by July 31

Establishing a home fire escape plan

Why commercial auto rates are rising and what you can do

DOL finalizes association plan rules

Pool safety and drowning prevention: Six tips for a safer summer

June HR News Worth Review

June 2018 Retirement Times

Common HIPAA mistakes to avoid

Before you hit the water, read these 6 watercraft safety tips

Preparing your business for hurricane season

Don’t take chances with your home-based business insurance

Reduce workplace stress with an Employee Assistance Program

May HR News Worth Review

Strategic benefit planning: Get more ROI from your HR investments

These D&O claims could impact your business

April 2018 Retirement Times

April HR News Worth Review

Home remodeling and insurance: What you need to know

The Texas Agritourism Act: Liability protection for landowners

How to get started with workplace wellness

Best practices for your early return-to-work program

Why choose an independent agent for your home and auto insurance?

March 2018 Retirement Times

Tips to strengthen construction site safety for workers

March HR News Worth Review

IRS Announces Change to 2018 HSA Family Contribution Limit

How to prevent the four most common home insurance claims

Assessing and planning your open enrollment strategy

February 2018 Retirement Times

ACA Filing and Medicare Creditable Coverage Deadlines Approaching

Top 10 OSHA violations and tips to avoid them

February HR News Worth Review

Reputational risk and insurance

January 2018 Retirement Times

Who needs life insurance?

Congress's continuing resolution impacts certain ACA taxes

The basics and benefits of E&O insurance

Employee benefit trends for 2018

January HR News Worth Review

Cyber liability trends and safeguards

Tax Reform, the Individual Mandate and ACA Reporting Delay

Texas risk management: Charitable Immunity and Liability Act of 1987

Eight hiring tips to help drive down workers comp insurance rates

Employee benefits – how to promote financial wellness in the workplace

December HR News Worth Review

Prevent drunk driving during the holidays

How cyber insurance works

Holiday home fire prevention tips

Common commercial vehicle accidents and how to prevent them

IRS issues guidance on forthcoming potential employer mandate penalties

Long-term care awareness: The other reason to celebrate November

November HR News Worth Review

10 Halloween safety reminders

Who needs professional liability insurance?

President Trump's executive orders

Open enrollment communication best practices

Trump administration expands contraceptive mandate exemptions

October HR News Worth Review

Transportation contract risk management: Texas anti-indemnity laws

Medicare Part D notices due October 15, 2017

Workplace flu prevention

How much life insurance do you need? Use the DIME calculation.

Hurricane Harvey recovery and workplace safety concerns

HR update: overtime rule, ACA penalties, updated Form I-9 and DOL fiduciary rule delay

Investigative steps to take after a slip & fall accident

Hurricane Harvey relief for employee benefit plan compliance

How car accidents affect your Texas auto insurance rates

Know your e-mod factor and how it affects your workers’ comp premiums

Landlord risk management: 5 tips to avoid rental property lawsuits

Three benefits your employees wish you offered

ACA repeal, Washington state paid leave and HSA fiduciaries

Republican ACA repeal effort dead for now

Does your homeowners insurance pay legal fees?

Three ways to create effective workplace wellness programs

Food chain 411: Could your business survive an outbreak or recall?

Oilfield contract risk management: Texas anti-indemnity laws

ACA employer mandate and paid family leave guidance

Small business insurance: What should you have?

Demand rises for virtual care

Senate releases ACA "repeal and replace" bill

Five tips for summer road trip safety

PCORI fees due by July 31

Eight ways to influence workplace safety attitudes

OSHA signals intention to delay electronic reporting

How and why to create a home inventory

Are you making these five costly business insurance mistakes?

Could your business survive an extreme weather event?

House passes American Health Care Act

10 surprising facts about disability insurance

Keyless car safety

Could your bottom line benefit from proactive claims advocacy?

Group benefits strategies: Managing health care costs

Construction contract risk management: Texas anti-indemnity laws

10 signs you might need an umbrella insurance policy

Republicans abandon vote on ACA replacement

Construction pollution risk: A growing concern for every contactor

Life and LTCi executive compensation – Why and how

GOP unveils bills repealing and replacing ACA

Ransomware – A booming business risk management exposure

Workplace wellness tweetchat: Higginbotham weighs in

Five megatrends in transportation & supply chain risk management

ACA and Medicare reports due soon

What savvy homeowners need to know about smart home risks

Five steps to reduce Texas workers’ compensation insurance costs

What to know about insurance before you rent out your house in Texas

Trump signs executive order on the ACA

10 Texas business insurance exposures to tackle in 2017

Five new year tips to inspire workplace wellness

Your 10-point warehouse fire prevention checklist

Surprising a loved one with jewelry? Wrap it in financial protection.

New OSHA rule gives employers a leg up in protecting workers from falls

Does your business have crime insurance?

Employee mental health: How to manage this silent exposure

OSHA anti-retaliation rules take effect

How much life insurance is enough?

FLSA overtime rule blocked by federal judge

Religious organization risk management: Eight essentials

ACA Reporting Delayed

When is a person too old to drive? Facts for families

2016 election impact on compliance issues

Slip, trip and fall risk management: Awareness is the seed of prevention

Six spooky Texas business risks

Texas homeowners insurance alert: Falling tree liability

Reinsurance fee counts due November 15

How the presidential election could impact your open enrollment

Certificates of insurance: Costly misconceptions

Final forms for ACA reporting released

What a farmer can teach you about creating a culture of safety at work

Fleet risk management: 9 cost-cutting essentials

Medicare Part D notices due October 15

Group health insurance: Tips for online open enrollment

How much personal insurance is enough? Important considerations

HIPAA compliance 2016

Time to start thinking about 2016 ACA reporting

Global risk management: The top risks you need to know about

Employee benefit communication: Lessons from the presidential campaigns

Life insurance: A workhorse for funding executive benefits

Construction risk management: With labor shortages, the devil really IS in the details

RV insurance: Don’t hit the road without knowing these facts

How to choose an HR tech vendor: Five criteria

OSHA penalty adjustments taking effect August 2016

What will new overtime rules mean for your Texas business?

PCORI fees due August 1, 2016

Beat rising commercial auto insurance costs with driver safety

ACA electronic reporting due June 30

Homeowners insurance: Are you prepared for Mother Nature’s extremes?

Is your business protected from costly fiduciary liability claims?

New OSHA electronic reporting rule affects 466,000 employers

The risk management implications of hiring summer interns

Why offer a cafeteria plan?

New overtime exemption rules are imminent: Is your business prepared?

Disability insurance: Is your most important asset protected?

Three keys to reduce your workers’ compensation claims

Should your business have terrorism insurance?

COBRA: Still relevant after all these years

Renter’s insurance: Your lifeline back to normal

Avoid employment practices liability with legal background checks

Reminder of 2016 ACA reporting deadlines

Business interruption insurance: A lifeline to recovery

A trend on the rise: Self-funded health insurance

Does your insurance carrier make the grade?

Seven tips to become a savvy health care consumer

Drugs at work: Evolving employment practices liability for employers

Beyond 360 degrees of cyber risk: Growing small business threats

Medicare Part D disclosure notices for calendar year plans due by February 29

Is your business prepared for today’s fiduciary liability risks?

Flood insurance: Tips to keep your finances on solid ground

Five tips for negotiating health care costs

Workplace wellness programs: aging dinosaur or evolving tool?

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

Texas employment practices update: Overtime and sick time trends

In case of a lawsuit: Carry an umbrella policy

Transportation risk management: What the FAST Act means for truckers

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

Seven opportunities to cut your construction insurance costs

Must-read before Thanksgiving: Holiday safety tips

Protect your nonprofit – and your vital mission – this holiday season

Does your business have a workplace violence prevention strategy?

Fall home maintenance checklist

Employee benefits: What’s in store for 2016?

How to explain Form 1095 to employees

How to plug workers’ compensation cost leaks

Is it time to take stock of your life insurance?

Fleet risk management – five ways to reduce accidents

Katrina’s risk management lessons … 10 years later

COBRA is still alive: An important reminder for employers offering group health

Modern workforce = evolving workers' compensation risks

Before leaving for vacation: The burglary prevention checklist

Construction risk management: Hiring, training and the labor shortage

Health and wellness trends: 7 takeaways from new research

How to insure your teen driver for less

Workers’ compensation alert: Employers need miracle cure for rising drug costs

Retirement planning resources: Good for workers, great for business

Is your business next on the target list for cyber thieves?

Don’t let flooding put your finances under water

Beware of accent discrimination: A growing EEOC complaint

Life insurance: More important and less expensive than you think

Leverage transparency to reduce health care insurance overspend

Are you protecting your most vital asset?

Get Ready for OSHA’s National Safety Stand-Down

Emergency preparedness: Are you ready for another Texas twister season?

Workplace wellness: Connect the dots, lower your risk

New voluntary benefit option: College assistance program

Fire and ice – major hazards for homeowners

Business interruption due to terrorism attack – are you prepared?

The ripple effect of wage and hour noncompliance

Employee benefits: how to attract and retain the next generation

This year, send your loved ones a Valentine's lifeline

Are you driving your business straight into a costly lawsuit?

Is social media making you a crime target?

How to manage the risk of pregnancy discrimination claims

Life insurance: The ultimate stocking stuffer?

Black Friday, Cyber Monday and cyber liability

Early return to work: A pivotal piece in the workers’ compensation puzzle

The tax man cometh – and in 2018, he’s coming for your Cadillac health plan

Takeaway from the Ebola crisis: Don’t be caught off guard

Winterization 101: Checklist for homeowners

Nurse triage: TLC for your ailing workers’ compensation costs

Make breast cancer awareness part of workplace wellness

Voluntary benefits continue to redefine modern day company perks

10 reasons why employees “lawyer up” for workers’ compensation claims

5 ways to prepare for your next workers compensation insurance audit

Why voluntary benefits are a “no-brainer” for many Texas employers

The most effective strategy to contain Texas workers comp claims

Are you using contractual risk transfer to your business advantage?

Texas employers: What you need to know BEFORE hiring an intern

Real estate risk management: Avoid being a high-risk, high-target landlord

Four reasons to get your FTE calculation right

Attract top talent by offering a retirement plan

Business succession – An elephant you can’t afford to ignore

ACA compliance update: How to use three Safe Harbors

How to "wrap up" construction project risks

Five ideas for Employee Appreciation Day, and every day

Affordable Care Act's new wellness program guidelines

Wellness programs for better heart health

Construction risk management in Texas: Wage and hour exposures

Cold weather risk management for your home and business


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