NEWS & EVENTS

Despite the benefits of curbside pickup, however, these operations also carry a range of risks for restaurant owners to consider. If your restaurant currently offers or is considering implementing curbside pickup, review this guidance to learn more about the risks associated with such operations and how to properly mitigate them.

An overwhelming majority of states require individuals to carry insurance in order to operate a vehicle. While meeting these minimum limits may be enough to get you on the road, they may be inadequate if you are involved in a serious accident.

As a commercial landlord, you provide the building space needed for other business owners to successfully conduct their operations. Yet, the risk of a tenant filing a lawsuit against you for any property damage or bodily injury they sustain at your building is a constant concern. Fortunately, that’s where lessor’s risk only (LRO) insurance can help.

Your home is one of your greatest assets and a significant long-term investment. As such, it’s vital to protect your home and its contents with adequate homeowners insurance. Nevertheless, recent research found that many homeowners lack proper coverage.

Burnout is a commonly discussed issue these days—particularly while many workforces are still working from home amid the COVID-19 pandemic. Being isolated, stressed and overworked puts employees in a difficult position and can lead to increased burnout. Oftentimes, it’s HR’s responsibility to help employees cope with burnout and its contributing factors.

Employers may be familiar with high deductible health plans (HDHPs) and health care accounts, such as health savings accounts (HSAs). A CDHP is simply the combination of those benefits—an HDHP paired with a health care spending account.

On May 10, 2021, the IRS released Revenue Procedure 2021-25 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2022. The IRS is required to publish these limits by June 1 of each year.

After a downward trend in the frequency of vehicle thefts, there was a dramatic increase in 2020, according to the National Insurance Crime Bureau(NICB).

Seven out of 10 Americans die each year from chronic diseases, many of which are preventable. When preventive care is used and illnesses and diseases are caught early enough, you can avoid or better control your health problems.

This month's issue focuses on commercial building spring maintenance and the impact of telematics on commercial auto insurance.

Accident insurance can help employers meet the needs of their unique workforces. This voluntary benefit also appeals particularly to multigenerational workforces as an important supplement to employees’ health plans.

Workers’ compensation covers benefits for your employees if and when they are injured on the job. It can provide flexible compensation for things like doctors’ appointments, surgeries, physical therapy, medications and other treatment.

Spring is here! Learn about bike safety, the importance of vehicle recall notices and painting safety at home.

As an event organizer, how can you effectively do your job while dealing with the worrying fact that you will be accountable for health and safety slip-ups? Simple: You can keep employees, contractors and members of the public safe at your event by following some easy-to-adopt guidance.

Slips, trips and falls are a leading cause of insurance claims for businesses, affecting virtually every industry. A look inside Advisen’s database shows which industries and states have the highest frequency and severity of these claims.

National Hurricane Preparedness Week—which is scheduled for May 9-15 this year—encourages individuals to evaluate their personal hurricane risks and implement measures to keep themselves and their homes protected during a hurricane. As the 2021 hurricane season approaches, prepare yourself and your household with these tips.

On April 7, 2021, the U.S. Department of Labor issued answers to frequently asked questions about the American Rescue Plan Act’s premium assistance for health insurance continuation coverage under COBRA and similar state mini-COBRA programs. The DOL’s FAQs are reprinted in this Compliance Bulletin.

Employers may treat employees differently, as long as they are not violating federal rules that prohibit discrimination in favor of highly compensated employees. These rules currently apply to self-insured health plans that allow employees to pay their premiums on a pre-tax basis.

On April 2, the IRS published Notice 2021-23 to provide guidance for employers claiming the employee retention credit (ERC) for the first two quarters of 2021. There have been changes to ERC by other laws including, the American Rescue Plan Act (ARPA) on March 11.

On April 7, the US DOL issued FAQs and model notices for the COBRA premium assistance provisiions of the American Rescue Plan Act (ARPA) which provides a 100% subsidy for employer-sponsored group health insurance continued under COBRA for eligible individuals.

As worsening social inflation concerns, surging medical expenses and the ongoing COVID-19 pandemic continue to contribute to a rise in liability claim frequency and severity, the general liability market has preceded to harden.

Your employer provides you with a retirement plan for you to save money in, tax-deferred, for the day you bid your career farewell and enter into retirement. How well do you know your plan?

Catalytic converter theft is on the rise in Minnesota. The cost to replace a stolen catalytic converter can be several thousand dollars. Be aware of the risk and take practical steps to avoid it.

Many times we get caught up in the number: Do you have enough life insurance? However, an equally important question is: Do you have the right type of life insurance?

For the past decade, the commercial auto insurance space has been largely unprofitable for carriers. In this environment, many carriers have elevated premium costs. Unfortunately, this hard market is expected to continue into 2021.

Retirement is a whole new phase of life. You’ll experience many new things, and you’ll leave others behind – but what you won’t avoid is taxes. Read on for tips about developing a retirement income strategy as you approach or begin retirement.

Unfortunately, rate increases—as well as additional policy restrictions—are expected to continue in 2021. We predict that many insureds will experience double-digit rate increases, lowered available capacity and various policy restrictions or exclusions—especially regarding losses tied to weather events or the COVID-19 pandemic.

This Compliance Overview summarizes key features for HSAs, including the contribution limits for 2021.

Elective deferral contributions to a traditional retirement plan are contributed on a pre-tax basis and help lower your current taxable income. Roth elective deferral contributions, however, are much like a Roth IRA in that contributions are made on an after-tax basis.

This article outlines four ways HR teams can prepare for future public health crises. Employers can use this information to help cope with the current COVID-19 pandemic fallout and beyond.

The workers’ compensation insurance market has remained mostly stable, performing as an outlier relative to other lines of insurance by producing profitable underwriting results. Yet, some emerging trends have the potential to cause an uptick in workplace accidents and claims.

Health care industry cyberattacks cost an estimated $13 billion last year according to a newly released report.

Water is one of the most common causes of property damage. With warm weather approaching, learn about some ways you can prevent a loss due to water damage.

The FMCSA recently released its strategic plan for 2021-2023, with one in particular focusing on safety. Read about the 5 strategic objectives to help reduce fatalities and injuries related to the operation of commercial motor vehicles.

The CDC released new guidelines for fully vaccinated people who have had exposure to someone with COVID-19.

An announcement about an expansion within Christensen Group's commercial insurance practice.

A summary of the ACA's employer reporting requirements under IRS Code Sections 6055 and 6056. Part one of two.

A summary of the ACA's employer reporting requirements under IRS Code Sections 6055 and 6056. Part two of two.

Recruiting has never been simple, and the COVID-19 pandemic is complicating matters even more. In this rapidly changing landscape, employers need to adapt if they want to attract and retain quality talent.

The DOL released its 2021 inflation-adjusted civil monetary penalities that may be assessed on employers for violations of a wide range of federal laws including OSHA.

As prescription drug costs continue to increase, it’s important for employers to understand the trends behind the rise and what they can do to better manage their health care expenses.

An update about COVID-19 vaccine coverage for non-grandfathered group health plans.

An update from the DOL, H&HS and the U.S. Treasury on greater flexibility for grandfathered plans.

According to the newly signed Consolidated Appropriations Act of 2021, employers with health and dependent care FSAs can provide employees with additional time to use funds in these accounts.

A list of updated annual dollar limits for HDHPs, HSAs, FSAs, 401(k) plans and transportation fringe benefit plans, updated for inflation by the IRS.

The COVID-19 pandemic has solidified remote work as a new operational standard. This article discusses some cybersecurity risks that remote employees face and offers potential solutions.

The COVID-19 pandemic is still affecting the workforce, and the combination of another potentially bad flu season and the pandemic has public health experts worried.

Working parents are under a lot of pressure to deal with new schooling routines due to the COVID-19 pandemic. This article discusses various accomodations employers can make for their employees who are experiencing these changes.

Join us for a discussion on maximizing ROI on safety measures and additional risk management resources for auto fleets with industry experts Doug Grawe, Gary Randall and Tim Munoz.

Join us for conversation about lowering expenses for auto fleets with industry experts, Doug Grawe, Gary Randall and Tim Munoz.

Join us as we share the expertise and insights of Penny Phillips and Sara McGrane for a discussion of the practical and legal issues surrounding COVID-19 vaccination policies.

Join us as we share the expertise, insights and experiences of a nationally recognized legal team, Julius Gernes and Steve Pattee, from Donna Law Firm based in Minnesota and a veteran fleet risk manager, Dan Kugler, of Risk & Insurance Consultancy based in Wisconsin.

The market continues to harden, capacity continues to shrink, and losses continue to mount through COVID-claims, natural disasters, social inflation and nuclear verdicts. Captives provide an alternative risk financing option to counter the impacts of the traditional marketplace.

The global pandemic is accelerating us into the future, faster than originally anticipated. Join us for a conversation with special guest, Gene Munster, about how the world will look post-COVID-19.