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October 2024 HR Update

MLR Rebates are Here! Employers with insured group health plans may have just received a rebate from their health insurance issuer, as issuers who did not meet the applicable medical loss ratio (MLR) percentage for 2023 had to rebate plan

HR

How to prevent package theft: Tips to secure your deliveries

Package theft has become a widespread issue affecting many households across the nation. In fact, studies show that roughly 36 percent of Americans have fallen victim to this crime. Understanding who package thieves are and what makes a home a target can help you take the necessary steps to protect your packages and deter these “porch pirates.”

Home & Auto, Lifestyle
Mid adult woman driving a car

Comprehensive vs. collision insurance: Is your car protected?

When it comes to protecting your vehicle, choosing the right insurance coverage is one of the most critical choices you can make. Collision and comprehensive insurance each offer unique protection: collision insurance is designed to cover damage from accidents with other vehicles or objects, while comprehensive insurance is there for non-collision incidents such as theft, fire or natural disaster.

Home & Auto
Over the shoulder view of young woman using smart phone while logging in personal banking account on laptop. Network security, data protection and privacy.

MFA fatigue attacks: Definitions and prevention strategies

Multi-factor authentication (MFA) fatigue attacks, also known as MFA spamming or MFA bombing, are sophisticated cyber security threats that overwhelm users with repeated multi-factor authentication requests until they mistakenly grant access to attackers. These attacks are becoming increasingly common and pose massive security risks for businesses, employees and individuals, but there are strategies that can help prevent them.

Risk Management
Young Asian woman carrying suitcase, walking by the window at airport terminal. Young Asian female traveller waiting for boarding at airport. Business travel. Travel and vacation concept

Unlimited PTO pros and cons: Balanced overview for employers and employees

Unlimited PTO policies are becoming more popular, but they can come with advantages and challenges. Understanding the pros and cons for both employees and employers is key when deciding if an unlimited paid time off program is right for your organization.

HR
Shot of a young couple working on their finances together at home

Understanding your insurance policy’s declarations page

An insurance declarations page is a summary of your insurance policy, outlining key details like coverage limits, premiums and deductibles. It’s essential because it provides a quick reference to your coverage, helping you to understand your protections and obligations.

Business Insurance, Home & Auto
A retired senior woman in her 70s sits at home inside her cold house in winter. She is warming herself next to an electric heater while sitting on the sofa while she uses a digital tablet.

Space heater safety: Tips to warm up safely

Seeking to stay warm during the winter months without compromising your fire safety? Our essential space heater safety tips are here to help prevent your cozy refuge from turning into a fire hazard. Discover how to select, place and maintain your space heater unit for greater peace of mind during those chilly months.

Home & Auto, Lifestyle
Young couple boyfriend and girlfriend or brother sister study at home

What is a High-Deductible Health Plan (HDHP)?

Are you offering your employees health insurance options that work for their budgets? While not ideal for everyone, a high-deductible health plan can be very appealing to some workers, especially when it’s paired with a health savings account. Offering a high-deductible health plan as part of an employee benefits package, therefore, may be a strategic option for your organization.

Employee Benefits
Symbols of law a legal system - a judge, gavel and scales representing jurisdiction.

The rise of nuclear verdicts: Protecting your business

In recent years, the number of nuclear verdicts has been rising. Nuclear verdicts are jury awards that exceed $10 million, and they happen more often than you may think. These massive awards have the potential to devastate the finances and reputation of a business. Because of this, understanding what nuclear verdicts are and how to protect your business against them is crucial.

Risk Management

September 2024 HR Update

Medicare Part D Notices Are Due Before Oct. 15, 2024 Each year, Medicare Part D requires group health plan sponsors to disclose to Medicare Part D-eligible individuals and to the Centers for Medicare and Medicaid Services (CMS) whether the health

HR
The little preschool age girl makes a silly face. Her father smiles and laughs. He has just graduated.

Employee tuition reimbursement: Benefits for employers and employees

How many of your employees are struggling with the cost of higher education? As tuition costs soar, many employees cannot afford the education they need to advance in their careers. By providing employee tuition reimbursement, employers can help alleviate stress while boosting employee satisfaction and loyalty.

Employee Benefits
Asian stay-at-home dad teaching his little daughter cooking in kitchen at home. Modern manhood and fatherhood. Healthy family lifestyle.

Life insurance for parents: Everything you need to know

Becoming a parent is a huge responsibility. Your child depends on you for love and care – not to mention food, clothing, shelter and other practical needs. While it\’s impossible to predict the future, securing life insurance can help provide for your children\’s needs in case you\’re not there as they grow up.

Individual Life & Health
Senior Caucasian male doctor, giving a flu vaccine to a female patient African-American ethnicity, during an annual medical check-up

Cold and flu season tips for a healthy workplace

As flu season hits its peak, the risk of illness spreads through homes and workplaces alike. With cold and flu viruses so prevalent, taking steps to prevent their spread is more important than ever. Simple actions like practicing good hygiene, getting vaccinated and fostering a healthy work environment can make all the difference in keeping your team well and minimizing disruptions.

Corporate Wellness, HR
Businessman giving bribe money in the envelope to partner in a corruption scam with black and white tone

How employers can leverage kidnap and ransom insurance to protect employees

When your employees travel for business, they’re probably worried about how meetings will go and whether they’ll suffer flight delays – not if they’ll be kidnapped and held for ransom. However, in many parts of the world, kidnappings are a growing threat, with business leaders being prime targets. But, you can help protect your employees with kidnap and ransom insurance.

Business Insurance, Risk Management
The female volunteers serve sandwiches to the homeless at the shelter.

Creating a successful employee volunteer program

Looking to boost morale and community impact? An employee volunteer program could help. By providing a structured volunteer program, your organization can help enhance its brand reputation while keeping employees engaged through meaningful community service work.

HR

Protecting your investment with wine collection insurance

Whether you own a vineyard or are a private collector, if you have a valuable wine collection, insurance is essential to protect your investment. Wine collection insurance can cover a range of risks like theft, damage and loss, helping to ensure that you’re not left financially vulnerable. This is especially important because standard homeowners’ policies often lack special sub-limits for wine or fine spirits, which could leave you underinsured in the event of a loss.

Home & Auto
Construction engineers discussion with consultant people at construction site of highrise building with blueprints.

Construction equipment insurance: Is your coverage adequate?

If you work in the construction industry, you likely invest a substantial amount of money into your equipment and depend on functioning equipment to do your work. If a piece of vital equipment is damaged, lost or destroyed, you could be looking at significant replacement costs, as well as project delays and lost income. Construction equipment insurance provides important coverage when events like these occur.

Business Insurance
Group of business persons handshake in the office

Crafting a people-first company culture

The most dynamic and successful brands aren\’t just set apart by their services or products: it’s about how they view and treat their most essential asset – their employees. A people-first company recognizes that its team is the centerpiece of its success and crafts a culture that supports this philosophy. This approach can have several benefits: enhanced productivity, greater employee well-being, strengthened recruitment strategies, improved employee retention and more.

HR

Worksite benefits: Hospital indemnity insurance and beyond

Are your employees stressed about medical bills? If they are, they’re not alone. Many American workers postpone health care needs because they’re worried about cost. Medical care can be expensive, and group health insurance isn’t always enough. Employers can help their employees by offering worksite benefits like hospital indemnity insurance and other supplemental benefits.

Employee Benefits
A multi-ethnic group of volunteers listens to the mid adult female food bank manager as she explains the tasks for the day.

The importance of nonprofit board insurance

Nonprofit board members offer their time and expertise to support worthy missions. In doing so, they can make decisions that impact the organization, its employees, donors, beneficiaries and other stakeholders. If these decisions are questioned, lawsuits may follow. To protect their personal assets against such lawsuits, board members should make sure they’re protected with nonprofit board insurance.

Business Insurance
Happy businesswomen having a discussion during a meeting in a creative office. Diverse businesswomen sharing ideas in a boardroom. Group of businesswomen working together in an all-female startup.

Sharpening skills: Guide to instrumental leadership excellence

Instrumental leadership is a strategic, task-oriented approach that can help enhance a team’s efficiency by emphasizing clear goals and the achievement of tasks. Leaders who apply this style have the ability to shape their teams with precision, driving productivity and aligning individual and team objectives with the organization’s broader goals.

HR

August 2024 HR Update

Medicare Part D Creditable Coverage – Changes Coming in 2025 Employers sponsoring any size group health plan that provides prescription drug coverage are not required to offer creditable coverage, but they are required to determine whether the prescription drug coverage

HR

Grilling safety tips every homeowner should know

Worried about grilling accidents or fires? Knowing the right grilling safety tips can help prevent disasters from occurring when you’re grilling outside. These tips can help you to grill safely and keep your home and loved ones protected.

Home & Auto, Lifestyle
Happy businessmen shaking hands next to their female colleagues in a modern office space.

New employee onboarding checklist

Starting a new job is a big transition. New employees need to learn everything from the location of the breakroom to available employee benefits. If anything falls through the cracks during orientation, you may be setting the employee up to fail. A new employee onboarding checklist can help ensure you cover everything.

HR