Straight From The Source Blog by Higginbotham Insurance


Recent Posts

ADA Compliance: What employers need to know

September 23 , 2020

ada blog

The Americans with Disabilities Act (ADA) is celebrating its 30th anniversary this year. But even though employers have had three decades to learn about compliance with the law, issues – and lawsuits – are still common. Here’s what today’s employers need to know now about applying the law, approaching employees and staying compliant.

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Tags: Employee Benefits

When a windstorm or hurricane strikes, will your property insurance provide coverage?

September 16 , 2020

hurricane blog

For businesses and homeowners alike, Hurricane Laura was yet another stark reminder of the power and fury of windstorms. With sustained winds as high as 95 mph in Lake Charles, LA, and gusts recorded as high as 150 mph in other places, Laura caused 59 deaths and nearly $9 billion in damage in Texas and Louisiana.

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Tags: Home & Auto, Business Insurance

September 2020 Retirement Times

September 09 , 2020

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Good News 401(k)

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Tags: Retirement Plans

Guidance on Payroll Tax Deferrals, FFCRA and Schools, Creditable Coverage Notices and 2021 Open Enrollment

September 04 , 2020


IRS Issues Guidance on Payroll Tax Deferment

On Aug. 8, 2020, President Donald Trump ordered the U.S. Department of Treasury (the Department) to defer collecting certain payroll taxes from wages earned between Sept. 1 and Dec. 31, 2020.

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Tags: Compliance

Home insurance can give you more than just coverage for your home

August 26 , 2020

home insurance


We typically purchase homeowners insurance to protect our largest investment – our home. But homeowners coverage, and often condo and renters insurance too, includes many other items besides your home. Let’s take a look at just a few items that might be covered by your homeowners insurance carrier. 

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Tags: Home & Auto

#1 reason you should never report claims late: coverage could be negated

August 19 , 2020

insurance claim form

People put things off for a lot of reasons. You might be busy. Maybe it seems unimportant. It could be just downright unpleasant. We get it. But when it comes to reporting claims to your insurer, promptness is essential. If you delay, your coverage could be negated – and that could be a big problem for your business. Protect your coverage, your company and your bottom line by reporting claims promptly.

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Tags: Risk Management

August 2020 Retirement Times

August 18 , 2020

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It’s That Time Again! Back-to-School for Fiduciaries

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Tags: Retirement Plans

How employers can maximize employee benefit engagement with smart tech

August 13 , 2020

benefits tech

It’s time to get smart about benefits. Smart technology can go a long way to improve the way employees interact with benefits. This, in turn, can increase employee satisfaction, which can boost engagement, productivity and retention. It’s an amazing chain reaction, and it all starts with the right tech tools.

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Tags: Employee Benefits

FFCRA Partially Vacated, President Orders Payroll Tax Deferral

August 11 , 2020


NY Federal Court Partially Vacates FFCRA Leave Regulations

In a case brought by the New York attorney general, a New York federal district court has vacated portions of regulations issued by the U.S. Department of Labor (DOL) under the Families First Coronavirus Response Act (FFCRA). 

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Tags: Compliance

Successful business interruption insurance and extra expense claims require preparation and proof

August 05 , 2020



It’s one of the worst nightmare scenarios for any business owner. After pouring your sweat, soul and financial resources into building a successful business, a devastating event comes along and forces you to close your doors. It could be a fire, natural disaster, equipment failure or any one of numerous other scenarios. And, it could result in a temporary shutdown – or a permanent business failure. 

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Tags: Business Insurance


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