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Guide to management liability insurance for business leaders

Responsibility involves liability, which means that the actions and decisions of management could lead to lawsuits from employees, customers and stakeholders. Management liability insurance can help provide financial protection from this risk. However, to control all your risks, you may need more than one type of coverage.

Business Insurance

Understanding deer-related accidents and insurance coverage

For drivers in the United States, encountering a deer on the road may seem like a question of “when” rather than “if.” Collisions with animals, especially deer, are among the most common claims filed by motorists under auto insurance policies. Understanding how these incidents are handled by insurance providers can help drivers prepare for and navigate the aftermath of a deer-related car accident.

Home & Auto

Offering elder care benefits to caregiver employees

Understanding elder care benefits is vital as the task of caring for elderly loved ones becomes more common. These benefits can offer critical support for employees with caregiving responsibilities, allowing companies to meet the growing demand for employer support amidst an aging population.

Employee Benefits

Strategies for effectively implementing pay for performance

Pay for performance is a strategy that links employee pay to their results with the goal of motivating employees by rewarding high achievers. When considering or implementing a performance-based compensation strategy, it’s important to consider its benefits, disadvantages and best practices for implementation.

HR

December 2024 HR Update

Final Reminder – DOL Gag Clause Attestation Deadline Coming Up As of 2020, the Consolidated Appropriations Act (CAA) prohibits health plans and issuers from entering into contracts with healthcare providers, third-party administrators (TPAs) or other service providers that contain gag

HR

How a living benefit rider can add value to life insurance

Many people purchase life insurance as a way to ensure that their loved ones will be financially secure in the event of their untimely death. But, if your life insurance policy has a living benefit rider, you may also be able to claim benefits for yourself during your lifetime.

Individual Life & Health
Smiling female nurse using digital tablet while talking to teenage patient in clinic

Understanding HIPAA special enrollment rights

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) provides individuals with many rights regarding their health care. Although the law is often associated with privacy issues, it also provides a number of other rights that are relevant to health benefits, including HIPAA special enrollment rights.

Employee Benefits

Understanding professional liability insurance for attorneys

Your clients count on your law firm to provide superb service. Unfortunately, mistakes are possible in any industry, and mistakes in the legal field can lead to significant losses and costly lawsuits. Professional liability insurance for attorneys and lawyers can offer protection against lawsuits alleging negligence, errors or oversights.

Business Insurance
Woman leaving her house and locking the door using a smart home security system

Smart home insurance: Discounts, devices and tips

Many homeowners are investing in smart home devices. From water sensors to security systems, these devices can help keep homes safe and secure – and they may also allow homeowners to get a smart home insurance discount.

Home & Auto
Happy coworkers talking in the breakroom area near a coffee pot while taking a break at the office

Breakroom ideas to help boost office morale and productivity

A thoughtfully designed breakroom is more than just a space to take a break; it’s a hub for connection, relaxation and recharging. In today’s fast-paced work environments, offering employees a dedicated space to step away from their desks can help enhance morale and foster a sense of community.

HR

How liquor liability insurance can help protect your business

Too much of a good thing may become a problem, especially when that thing is alcohol. Businesses that serve alcohol could be liable for property damage and injuries that result from consumption, potentially causing catastrophic financial and legal consequences. But, businesses can help to mitigate this risk through safe practices and liquor liability insurance.

Business Insurance

Insurance for classic cars and car collections

Owning a classic car is about more than transportation; it’s about preserving a piece of history. Because of this, insuring these vehicles requires more than standard auto coverage. It calls for specialized coverage that addresses their unique value and risks.

Home & Auto
Businesswoman packing personal company belongings after deciding on a resignation or change of job and completing offboarding

Employee offboarding best practices for a smooth transition

Employee offboarding allows departing employees and their managers to take steps to ensure a smooth transition. Having an offboarding program can also keep an employee’s exit friendly and non-confrontational, helping to set the tone for how an organization values its employees, even as they prepare to leave the company.

HR

Guide to yacht insurance: Tips and coverage options

Yacht insurance plays a crucial role in safeguarding your investment on the water. It can provide protection for risks ranging from liability for on-board incidents to accidental damage to your vessel. Understanding the key coverage options and factors involved can help you select the policy that best aligns with your needs.

Home & Auto

Legal benefits for employees: Pros and cons of adding legal services

Are your employees struggling with personal legal challenges? As employers look for strategies to support worker well-being and boost productivity, legal benefits for employees can be an attractive option. Learn about the pros and cons of adding legal services, whether that’s as a standalone benefit or as part of an Employee Assistance Program (EAP).

Employee Benefits
Young handsome man working from home, focused on apps and software on laptop and digital tablet

Personal cyber insurance: Individual protection from cyber crime

In today’s digital world, it’s not just businesses that face cyber threats. Individuals also face risks like identity theft, fraud and cyber extortion – all of which could have a major financial and personal impact. If you do fall victim to a cyberattack, personal cyber insurance can offer financial coverage and crisis management services to help you mitigate the effects of the attack.

Home & Auto, Risk Management
Shop owner handing bag to client after shopping in clothing boutique

Seasonal employee FAQs: Definitions, regulations and tips

Seasonal employment can be a lifeline for many businesses during peak times, providing the extra hands needed to handle increased demand. However, seasonal hiring raises questions about employment durations, legal obligations and best practices. Employers need to understand relevant regulations to help prevent legal issues and optimize their seasonal workforce.

HR
Father smiling at excited 4 year old son with Down Syndrome leading his family outside for vacation fun with sand pail and shovel.

Windstorm insurance for homes: Are you covered?

Does your homeowners’ insurance provide adequate coverage for hurricanes and other windstorms? Although standard homeowners’ policies often include windstorm coverage, it may be excluded in some regions with significant windstorm risks. If it is missing from your home insurance policy, you may still be able to add windstorm coverage.

Home & Auto
Businesswomen meeting in lobby of modern office

What is a benefits broker and how can they simplify employee benefits?

Navigating employee benefits can be complex for employers, especially when balancing cost control with providing comprehensive offerings to workers. This is where a benefits broker can become indispensable. Acting as an intermediary between employers and insurance providers, benefit brokers help design, implement and manage employee benefits programs.

Employee Benefits
Three young colleagues discussing work at modern office

How to create an internship program that works

Incorporating an internship program into your company can bring fresh perspectives and an opportunity to develop future leaders. The value of an internship program lies in its ability to offer a hands-on learning experience, which can be mutually beneficial for the intern and the employer. But, creating an effective internship program involves careful planning and execution.

HR

Cyberterrorism insurance: Understanding your insurance coverage

Does your business insurance coverage include cyberterrorism insurance? With the ever-growing risk of cyberterrorism, business leaders should be aware of how common exclusions in cyber liability policies could impact their cyber coverage.

Business Insurance, Risk Management

Should I sign up for Medicare when I turn 65?

Whether for financial reasons or just for enjoyment, today, many workers continue employment past the age of 65. Regardless of why you may choose to work past 65, not enrolling in Medicare at the right time could result in financial penalties, so it is important to approach the decision to delay enrollment with caution and understanding.

Individual Life & Health
At home nurse helping senior woman with physical therapy at home

Six tips to help you make a smooth transition to Medicare

How many times have you heard that Medicare is complicated or confusing? These complaints can be enough to make anyone dread dealing with it. That’s why the Higginbotham team is here to help with six inside tips to ease your transition to Medicare.

Individual Life & Health

Frequently asked questions about Medicare

At first glance, Medicare can seem confusing, especially as your health care needs change over time. Whether you\’re turning 65 soon, thinking about how Medicare fits with your job\’s health insurance or helping a loved one to figure out coverage, we\’re here to help answer some of the most common questions about Medicare.

Employee Benefits, Individual Life & Health