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Straight From The Source Blog by Higginbotham Insurance


What is premium financing for insurance?

January 21 , 2021

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Insurance coverage is a smart purchase. Sometimes it’s even a necessary expense. When cash flow is low, however, paying for premiums up front can present a problem. For some businesses, premium financing might be the solution.  

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Tags: Business Insurance


January 2021 Retirement Times

January 20 , 2021

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3(38) Advisory Services - Should Fiduciaries Outsource Retirement Plan Investment Responsibility?

Department of Labor (DOL) enforcement recoveries are on the rise. A recent DOL report indicates that DOL recoveries have doubled since 2018 and tripled since 2016 ( Read More

Tags: Retirement Plans


Top HR projects to tackle in 2021

January 14 , 2021

HR projects

In 2020, we had to rethink a lot of things. Now as we head into 2021, it’s time to take some of the lessons we learned and see how we can use them to make our workplaces better for our employees. Here are some of the top HR projects and trends for HR professionals to tackle in 2021.

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Tags: Employee Benefits


Do I need to keep my insurance during the off-season?

January 12 , 2021

motorcycle in winter

Now's the time to enjoy some amazing winter excursions. Each year we’re asked by many of our customers about the possibility to cancel your insurance policies on their summer toys like motorcycles, RVs, boats and ATVs. While you may not be using these alternative vehicles during cold weather months, your vehicles can still be damaged, and an insurance claim would need to be made to your insurer. If you cancelled your insurance policy, you may be forced to pay for repairs or replacements out-of-pocket. During the cooler months while your toys are parked, events can still occur - like damage or theft - that might get expensive without a valid insurance policy.

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Tags: Home & Auto


January HR News Worth Review

January 11 , 2021

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DOL Issues Final Rule on FLSA Independent Contractor Status

On Jan. 6, 2021, the U.S. Department of Labor (DOL) issued a final rule that clarifies how to determine whether a worker is an employee who is protected under the Fair Labor Standards Act (FLSA) or an independent contractor who is exempt from it. The final rule becomes effective March 8, 2021.

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Tags: Compliance


How to write a job posting

January 05 , 2021

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What are job postings?

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Tags: Employee Benefits


Breakdown of FSA and Paid Sick Leave Changes in the Stimulus Package

December 30 , 2020

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On Dec. 27, 2020, President Trump signed the Consolidated Appropriations Act of 2021 into law. The Act provides temporary special rules for health and dependent care flexible spending accounts (FSAs) that give employees additional time to use these funds, as well as the option for employers to continue to provide paid sick leave (EPSL) and emergency FMLA leave (EFMLA) and receive tax credits for doing so.

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Tags: Compliance


The OSHA temporary work initiative: what employers need to know

December 29 , 2020

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Your employees are the lifeblood of your business. And you have a legal and moral duty to provide those employees with a safe workplace.

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Tags: Compliance


Congress Passes Stimulus and Spending Package – How it Affects Your Business and Employees

December 22 , 2020

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On Monday, Dec. 21, 2020, Congress passed an emergency stimulus package designed to deliver approximately $900 billion in COVID-19-related aid. The bill, which was part of a $1.4 trillion spending package that will keep the government open for the fiscal year, has been sent to President Donald Trump, and he is expected to sign it into law.

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Tags: Compliance


How to inspect your roof for damage

December 22 , 2020

roof damage

We all know that owning a home is an expensive investment. Unfortunately, you can’t just move in and let it set. Homes require constant maintenance to ensure you don’t get costly damage. We suggest doing a yearly home inspection.

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Tags: Home & Auto


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