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Shocked Senior Woman Calling Plumber While Collecting Water Leaking From Ceiling Using Utensil. Frustrated Elderly Woman Calling Insurance About Water Leaks in the Living Room at Home

Preventing water damage

Water damage is an all-too-common risk for both homes and businesses. Water damage can range from a slight problem in a single location to a catastrophic flood event with severe damage to an entire structure and its contents. Each year,

Risk Management
With her hands clasped in front of her, the mature adult businesswoman listens with a serious look on her face to the unrecognizable female client.

How to investigate an employee harassment complaint

What you do after receiving an employee harassment complaint may influence whether your organization faces an expensive lawsuit. To avoid liability, as well as claims of negligence and retaliation, you need to know how to investigate an employee harassment complaint

HR
woman standing in a cafe smiling

How to offer health insurance as a small business

Employees don’t work for free. They want to be fairly compensated for their work, and that usually involves both wages and employee benefits. Although some small business owners may feel overwhelmed by the prospect of offering health insurance and other

Employee Benefits
Business colleagues having a conversation. They are both young business people casually dressed in a modern office. Could be an interview or consultant working with a client. She is listening and smiling. They are using a laptop and digital tablet. Mixed ethnic group. One is African American and the other is Caucasian

The latest HR trends for 2023

First came #MeToo; then came the COVID-19 pandemic and the Great Resignation. What’s next? Here’s a look at the latest HR trends that should be on your radar in 2023. Wage Increases and New Pay Transparency Laws In 2023, many

HR

Restaurant fire safety

Fire safety is an essential consideration for any restaurant owner. Even a small fire can cause enough damage to a building and furnishings to shut down a restaurant, and fire represents a serious threat to the safety of restaurant staff

Risk Management

Ransomware insurance coverage

A message pops up on your screen: ransomware has infected your system, all of your files have been encrypted, and the hacker is demanding a large payment. If you don’t pay the ransom, you won’t receive the decryption key and

Business Insurance

January HR News Worth Review

Submission Grace Period Issued for Prescription Drug Reporting The transparency provisions of the No Surprises Act require group health plans and health insurance issuers to report information on prescription drugs and health care spending to the Departments of Labor, Health

Compliance, Employee Benefits, HR

Preventing slips, trips and falls

Slips, trips and falls are a common cause of workplace accidents and can lead to serious injuries, lost productivity and costly insurance claims. As individuals, we all want to avoid being injured, however, as a business owner or worksite manager,

Risk Management
oil rig worker on the phone

What are oil and gas bonds?

Oil and gas bonds are financial guarantees that must be purchased when an oil or gas company seeks to obtain a permit or license to drill. Bonds are a way to secure the oil company’s promises to operate according to

Business Insurance
Caucasian female patient during the mixed race psychotherapy's visit

Should substance abuse insurance be part of your employee benefits?

Substance abuse is common and may affect some of your workers. As an employer, you can support your workers by providing employee health benefits that include substance abuse insurance. Mental Health and Substance Abuse Prevalence In the 2020 National Survey

Employee Benefits
Father teaching teenage son to drive in his first car

Can you switch car insurance at any time?

You need car insurance. Without coverage, you’d be in violation of auto insurance requirements in most states. You’d also be risking major out-of-pocket losses. However, if you’re unhappy with your current company, can you switch car insurance at any time?

Home & Auto
Multiracial business team applauding after a successful staff meeting. Group of business people sitting in a circle clapping hands in meeting.

7 effective ways to measure employee engagement

Your workers might be less dedicated than you’d like. Some may be quitting, others are “quiet quitting” – a term coined to describe workers who have decided to do the bare minimum required of them. Since unengaged workers can cause

HR

What is tail insurance? Coverage for liability claims.

If you have a claims-made insurance policy, your insurer may have offered you tail insurance. But what is tail insurance? Although it may seem confusing, it’s an important provision in claims-made policies. Claims-Made Policy vs. Occurrence Policy To understand why

Business Insurance

How to value an insurance agency

If you want to sell something, you need to know what it’s worth. For example, to determine the value of your car, you might look the model up on Kelley Blue Book. But what about selling an insurance agency? Determining

Thought Leadership

Does homeowners’ insurance cover injury liability?

You host a party and someone falls on your property. The individual’s leg is broken and needs medical care. Now you’re wondering – does homeowners’ insurance cover the injury? In some cases, your home insurance policy may provide coverage, but

Home & Auto
Workers at construction site

Construction Bonds

Construction bonds are financial guarantees that back up contractors’ promises to fulfill their contractual obligations: to build the job for the bid price; to pay for the labor and materials they use; and to complete the project to all terms

Business Insurance

The benefits of an HSA account

Employers and employees alike are looking for ways to make health care more affordable. Some are turning to Health Savings Accounts (HSAs). Although HSAs won’t work for everyone, the benefits of an HSA account make this an appealing option for

Employee Benefits

Excess and surplus insurance

Insurance helps business owners cover their risks – but what if the risk is so great or unique that traditional insurance companies don’t want to cover it? When this happens, business owners may need to look beyond the admitted market

Business Insurance

What employers need to know about payroll garnishment rules   

Your employees provide their time; in return, you pay them. It sounds like a simple transaction, but, as many employers know, it’s not always this straightforward. In addition to the benefits, bonuses and taxes that can complicate payroll, employers need

HR

Weatherproofing house tips

Home ownership comes with many responsibilities. One of those is ensuring the home is ready for all weather conditions. When the weather starts to change and become cooler, it’s time to weatherproof your house to keep your energy bills affordable

Home & Auto

Contractor project management software

If you are a builder, it will take some homework to choose the right construction project management software. There are many excellent project management software products out there. Some are free and some require monthly fees that can represent a

Thought Leadership

What is bonding capacity?

Bonding capacity refers to the maximum amount of surety credit that a surety company will provide to a builder per project and in the aggregate, based upon its evaluation of the builder’s financial stability and performance record. In this article, we

Business Insurance

What is interchange insurance?

Interchange insurance is a form of insurance coverage that protects truck drivers or trucking companies against liability for damage to a trailer which, although not their property, is in their possession or control at the time of the loss. Trucks

Business Insurance

November HR News Worth Review

Employee Benefit Plan Limits for 2023 Many employee benefits are subject to annual dollar limits that are adjusted for inflation by the IRS each year. The following commonly offered employee benefits are subject to these limits: High deductible health plans

Compliance