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Couple standing outside of their new home

What is a home insurance binder?

If you’ve been told that you need a home insurance binder, you might have a few questions. First of all, why do you need an insurance binder? How do you get one from your insurance provider? And most importantly, what

Home & Auto

Upcoming ACA and Medicare Filing Deadlines

Upcoming ACA Reporting Deadlines Affordable Care Act (ACA) reporting under Section 6055 and Section 6056 for the 2021 calendar year is due in early 2022. Specifically, reporting entities must: Furnish statements to individuals by March 2, 2022; and File returns

Uncategorized
Co-workers having a team meeting

Business management decentralization: pros and cons

Two types of organizational structures found in the business environment are centralized and decentralized management. What is a decentralized management structure? Decentralization refers to the practice of distributing authority among various levels within the organization. In a decentralized organization, overall

Uncategorized
Woman trying on glasses at the eye doctor

Total compensation package examples

Employee compensation includes a lot more than just the base salary or hourly wage. Bonuses and commissions can give annual earnings a significant boost, and various benefits can also have a major impact on your employees’ finances and wellbeing. When

Employee Benefits, HR

Supreme Court Blocks OSHA Vaccine Mandate for Private Employers, Allows CMS Mandate for Health Care Workers to Remain

Today, the Supreme Court (Court) blocked the Biden administration’s COVID-19 vaccine or testing rules for large private employers, based on the argument that Congress has not given the Occupational Safety and Health Administration (OSHA) the power to enact such a

Uncategorized
Two co-workers in insurance industry

Why work in insurance?

Working in the insurance industry can bring financial security and personal rewards. You can help individuals and companies protect their lives, health and property, riding to the rescue if there is an illness, accident or other loss. The wide variety

Lifestyle

January 2022 Retirement Times

When does a participant loan become a deemed distribution? A recent IRS Issue Snapshot (link below) affirms that a participant loan is a legally enforceable agreement, and terms of the loan agreement must comply with Internal Revenue Code (IRC Section

Retirement Plans

January HR News Worth Review

Agencies Issue Guidance on Coverage of OTC COVID-19 Tests On Jan. 10, 2022, the Depts. of Labor, Health and Human Services (HHS) and the Treasury issued FAQ guidance regarding the requirements for group health plans and health insurance issuers to cover over-the-counter (OTC) COVID-19

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Man working in a warehouse

General liability vs. professional liability: the best solution for your business

In today’s tumultuous business climate, companies need the best insurance solutions to fit their complex business needs. Two popular options, general liability and professional liability, provide businesses with different protections from inherent business risks. Each option features specific coverages that

Business Insurance
Two female employees looking at a tablet screen

Time and attendance management: a how-to guide

Time management and attendance are two key aspects to the success of a company. Without it, productivity and profitability can suffer. That’s why it’s important to find a method of managing the time and attendance of your employees. What is

HR
Man in an ambulance

What is ancillary health insurance?

Ancillary health insurance is a secondary type of coverage used to supplement your traditional health insurance. The term “ancillary” means “providing additional help or support,” and that’s just what ancillary health insurance does. Often referred to as “ancillary benefits,” ancillary

Individual Life & Health
New hire happy about getting employee benefits

How to conduct a compensation and benefits review

Companies depend on their compensation and benefits package to attract talent. If you offer too little, you’re making it easy for your competition to lure your best workers away from you. On the other hand, if you offer benefits that

Employee Benefits
Work team celebrating employment anniversary

Six great employment anniversary appreciation ideas

Faced with high turnover rates, employers are searching for new ways to convince workers to stay. In addition to pay increases and new benefit offerings, employers may do well to focus on making sure their workers feel appreciated. With that

HR

Supreme Court to Hold Hearings on Federal Vaccine Mandate

On Dec. 22, 2021, the U.S. Supreme Court announced that it will hear oral arguments regarding whether two federal vaccine requirements can be enforced while legal appeals are in process. On Jan. 7, 2022, the Court will consider requests on

Compliance
Person signing a hold harmless agreement

What is a hold harmless agreement?

A hold harmless agreement is a contract that protects a business against lawsuits when someone suffers damage, bodily injury or financial loss on business property or while a service is being provided. This agreement can be either unilateral, meaning the

Business Insurance

Court Reinstates OSHA Vaccination Mandate for Private Employers

On Friday, Dec. 17, 2021, the 6th Circuit Federal Court of Appeals reinstated the Occupational Safety and Health Administration’s (OSHA) federal emergency temporary standard (ETS) for COVID-19. The 6th Circuit decision reverses the stay ordered in November by the 5th Circuit and allows OSHA to resume

Compliance
Woman looking at cell phone

How to transfer business contacts from Android to iPhone

Your business contacts are an asset that can’t be bought; they can only be earned. That’s why it pays to be careful when it’s time to transfer contacts from your smart phone to a new device – especially if you’re

Uncategorized
Dad teaching daughter how to drive a car

What is physical damage insurance?

As a car owner, you probably know all too well how expensive repairs can be. If your car is completely totaled, the cost of replacing your vehicle can put a major strain on your finances. In the meantime, you might

Home & Auto
Young woman smiling at phone

The best time for businesses to post on social media

Time Saver: This article has compiled research from more than a dozen social media management experts on the best times to post on social media. If you’re short for time, our advice boils down to this: If you’re just getting

Lifestyle

December HR News Worth Review

Upcoming ACA Reporting Deadlines & Permanent Extension Proposed Affordable Care Act (ACA) reporting under Section 6055 and Section 6056 for the 2021 calendar year is due in early 2022. Specifically, reporting entities must: Furnish statements to individuals by Jan. 31, 2022;

Compliance
Women driving a semi truck

Commercial truck insurance essentials

Whether you own a massive fleet or a single truck, you’re taking on risks. The right insurance coverage can help you manage those risks and protect your business. As an owner operator or motor carrier, make sure you’re covered with

Business Insurance
Family standing outside their house

Tips for first time homebuyers

Home ownership is the heart of the American Dream. Owning a home provides stability for your family, defines your place in the community and empowers you to accumulate wealth through credit, home equity and retirement savings. Being a first time

Home & Auto, Lifestyle
Boss talking with employee

How to be a great boss

If your workers are quitting, you might point to a lot of potential reasons. They’re unwilling to work. They want more pay than you can provide. They just don’t have the focus and dedication needed to cut it. But have

HR, Lifestyle

November HR News Worth Review

OSHA Vaccine and Testing ETS Update Several states attorneys general and companies have filed lawsuits against the recently announced Occupational Safety and Health Administration’s (OSHA) COVID-19 Emergency Temporary Standard (ETS) on COVID-19 vaccination and testing for the workplace, primarily alleging

Compliance, HR