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Data Breaches – A Growing D&O Concern

5 Common Sources of D&O Liability

Is It Time to Replace Your Tires?

Building Trust Among Employees Amid the COVID-19 Pandemic

DOL Issues Model Notices, FAQs for COBRA Subsidy in the ARPA

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Personal Umbrella Liability Insurance

What is an Employee Assistance Program and How Will It Help Your Employees?

Employers typically want to get maximum effort and productivity from their employees.  One strategy you can use to achieve this goal is to create a happy workplace for your employees by implementing

Automobile Insurance Guide

Why You Should Review Employee Benefits with Your Staff

Most business owners understand that their employee benefits package is a powerful tool for attracting the best candidates and retaining their current staff members.  This is why they spend so much

Avoid These Driving Habits During Winter to Stay Safe

Every year, more than 20% of car crashes happen in winter alone due to the heavy snow and sleet that reduces visibility and makes roads slippery, as reported by the Federal Highway Administration

Recognizing Employee Requests for ADA Accommodations

Under the Americans with Disabilities Act (ADA), employers with at least 15 employees must grant employee requests for ADA accommodations, except in cases where such accommodation would lead to

Why Do You Need Personal Liability Insurance Coverage?

When accidents happen on your property, you can be held responsible for medical costs, pain and suffering, and other damages to an injured party. As reported by the Insurance Information Institute

COVID-19 Triggers Extended Insurance Grace Period and Other Relief

In times of crisis, American insurance companies usually offer extended insurance grace periods to their customers affected by such disasters. For instance, after the wildfires of 2019, the

4 Questions to Ask About Insurance before Launching an Online Store

Thanks to business models such as affiliate marketing and drop shipping, all you need to start an e-commerce business today is an internet connection and an internet-enabled device. To put it another

Affordability Percentages Will Increase for 2021

On July 21, 2020, the IRS released the ACA affordability percentages for 2021. These changes take effect for taxable plan years beginning January 1, 2021. Here are important details to know so

Toxic Hand Sanitizer and Recall Risks

The coronavirus pandemic marked the biggest health concern of 2020, but toxic hand sanitizer risk became alarming as well. The FDA announced in June that methanol (aka wood alcohol) in 9 different

The New Relationship between Medicare and Michigan Auto Insurance

Michigan has recently updated its laws on auto insurance’s medical coverage, effective July 1, 2020. The various changes provide new options for Medicare enrollees regarding options for Personal

Federal Agencies Issue COVID-19 Relief for Employee Benefit Plans

As a consequence of the global pandemic, employers are struggling to provide voluntary benefits plans and profit-sharing bonuses to their employees. Thus, the Department of Treasury and the

6 Factors That Can Influence Your Auto Insurance Rates

Choosing the right auto insurance policy can be difficult, especially for new car owners. Before you contact your insurer, learn about these six factors that may affect your auto insurance premiums.

4 Critical Mistakes to Avoid When Filing Insurance Claims as a Small Business Owner

Running a small business involves some risks. Natural disasters, equipment failures, and accidents that result in injuries can put your business in a difficult position. The best way to save your

4 Ways to Rebuild Small Businesses

The COVID-19 pandemic has forced several small businesses to remain shut down. According to a survey, 92% of small businesses have experienced adverse effects due to the pandemic. Here are some ways

Directors’ and Officers’ Liability Insurance

In today’s business climate of corporate transparency and accountability, an organization’s officers and directors face a myriad of employment-related exposures. Large corporations and privately

Spike in Thefts at Businesses Close-Down Due to COVID- 19

While business shutdowns have been necessary during the coronavirus pandemic to prevent the spread of the dangerous virus, a consequence has been theft of vacant commercial properties. Several major

Redesigning the Workplace Post COVID to Ensure Maximum Employee Benefits

The COVID-19 pandemic has affected many aspects of the workplace. Safety and monetary constraints are among the major changes brought forth by COVID-19. Not only will this impact employee

The Impact of COVID-19 on Workers’ Compensation Insurance

Organizations across the United States are implementing policies to minimize the potential spread of the coronavirus and protect their health. However, it is also pertinent for employers to review

OSHA Issues New Guidance to Manage N95 Mask Shortage During COVID- 19

The Occupational Safety and Health Administration (OSHA) has issued interim enforcement guidance regarding respiratory protection, given the nationwide N95 shortage during the COVID- 19 pandemic.

Expanding Health Plan Coverage for Employees During COVID-19

As an employer, you can afford better protection for your employees by making specific health plan changes, such as: Offering a mid-year enrollment window to employees who had not opted for a cover

How to Work From Home and Be Productive During COVID- 19

Many organizations have asked their employees to work from home in the COVID- 19 pandemic to minimize social contact and prevent the spread of the coronavirus. However, if you have never worked

COVID-19 – Federal Laws Affecting Health Care

The Families First Coronavirus Response Act (FFCRA or Act) Effective March 18, 2020, the Families First Coronavirus Response Act (FFCRA) requires group health plans and health insurance issuers to

Malpractice Concerns Amplified for Providers on Coronavirus Front Lines

A shortage of acute care doctors and nurses to care for patients suffering from COVID-19 has forced many medical professionals to assume new roles and responsibilities. They are working long hours

Coronavirus and Managing Remote Work Cyber Risks

Coronavirus and Managing Remote Work Cyber Risks Given the implications of the coronavirus (COVID-19) outbreak, countless employees across a variety of industries are working remotely. While this

Understanding the Difference Between HO-3 and HO-5 Home Policies

  What you need to know about the different coverage levels of HO-3 and HO-5 home insurance policies. When it comes to homeowners insurance in Michigan, many people assume that all policies are

What the State of the Union Address Means for Employee Benefits

How Trump’s 2020 State of the Union Address could affect the employee benefits market. On February 4, 2020, President Donald Trump gave the annual State of the Union Address.  This year,

Dispelling Common Misconceptions About the Insurance Industry

Don’t believe these common insurance misconceptions. While most people understand the need to secure different types of insurance, when it comes down to it, the general public knows very little

Comparing Professional Liability and Errors and Omissions Insurance

Are these commercial coverages actually different? If you own a company and are looking to secure the right business insurance in Michigan, then you have probably heard about professional liability

How Michigan’s Auto Reform Will Affect Policy Renewals in 2020

Find out what the state’s auto reform will mean for drivers. While auto insurance rates have increased throughout the country, Michigan drivers have faced the most significant premium hikes. 

Reviewing the Repeal of the Cadillac and Other ACA Taxes

Understanding the effects of the three repealed ACA taxes and fees. On December 20, 2019, the Trump administration signed the 2019 continuing spending resolution that repealed several Affordable Care

Ask These Questions to Better Understand Your Business Insurance

Here are some of the things you should ask your insurance agent about. As a business owner, you want to do everything in your power to protect your company.  This is why it’s so important to

Small Businesses Need to Watch Out for These Workers Compensation Mistakes

Don’t make these common mistakes with your workers compensation insurance. Workers compensation insurance is one of the only legally mandated forms of business insurance in Detroit, Michigan. 

Securing Liability Protection for Your Recreational Vehicles

Why you should list snowmobiles, jet skis, and other toys for personal liability coverage. If you carry homeowners, renters, or condo insurance, then your policy provides personal liability

Learn About the IRS Offering Relief for 2019 ACA Reporting

What IRS transition relief means for 2019 ACA reporting. On December 2, 2019, the IRS issued a notice that changes ACA reporting standards for employers.  Notice 2019-63 comes as a result of the IRS

Set These New Year’s Resolutions for Business Success

Set these resolutions to grow your business this year. 2020 if officially here!  While you may have made a point to set new year’s resolutions for your personal improvement, have you thought

Suggestions for Creating an IT Disaster Recovery Plan for Your Business

Prepare your company for the worst with an IT disaster recovery plan. Today, data loss is one of the most serious risks that every company has to face.  While having the right business insurance,

Reasons Why Your Home Insurance Premiums Increase at Renewal Time

Which factors can lead to higher homeowners insurance rates? Now that 2020 is here, you may be getting ready to renew your homeowners insurance.  Leading up to your renewal period, your insurance

Why Employers Should Educate Their Staff About Accessing Their Employee Benefits

Why you should review your employee benefits with your staff. Most business owners understand that their employee benefits package is a powerful tool for attracting the best candidates and retaining

The Business Insurance Questions You Need to Be Asking

Essential questions you need to ask about your commercial coverage. While the world of business is often unpredictable, your business insurance shouldn’t be.  Unfortunately, many business

Watch Out for These Driving Risks This Winter

Don’t let bad winter road conditions put you at risk. According to the U.S. DOT Federal Highway Administration, 22% of all car accidents are related to the weather.  Because winter sees some

How You Can Prevent Home Insurance Claims this Winter

Protect your home this winter. While you may be looking forward to a fun and festive holiday season, it’s important to remember that you still face risks as a homeowner.  In fact, there are

DOL Issues New Salary Limits for Overtime Exemptions

On Sept. 24, 2019, the U.S. Department of Labor (DOL) announced a new final rule that updates the salary thresholds that some individuals must meet in order to qualify for a minimum wage and overtime

Essential Questions to Ask When Reviewing Your Insurance Policies

These questions should guide your year-end insurance review. Whether it be your auto, life, or business insurance, all your policies should be reviewed on an annual basis.  If you haven’t

3 Costly Mistakes that Fleet Managers Should Avoid

These mistakes will cost you dearly. As a fleet manager, your business relies on the safety and efficiency of your drivers.  However, as the pressure to meet delivery deadlines mounts, your drivers

Here’s What Personal Umbrella Insurance Can Do for You

Here’s what you need to know about personal umbrella insurance. While your homeowners, auto, and other forms of personal insurance offer liability coverage, there’s no guarantee that this

Identifying the Main Differences Between Personal and Commercial Auto Insurance

How commercial auto insurance protects your business. If you own a car, then you know that you need to secure car insurance.  Well, the same goes for your business.  If your company owns and

How Medicare Changes Will Affect Nursing Homes and Home Healthcare

Understanding the effect that Medicare’s new payment model has on skilled-nursing facilities. On October 1st, Medicare enacted its new Patient Driven Payment Model (PDPM).  This model changes

Essential Things to Know About Your Homeowners Insurance

Answering commonly asked questions about home insurance. As a new homeowner, you want to do everything in your power to protect your home, belongings, and loved ones.  The best way to safeguard the

Which Employee Benefits Influence Worker Job Decisions the Most?

Workers consider healthcare coverage a more attractive employee benefit than 401(k)s. Currently, the U.S. is suffering through a retirement crisis where millions of employees lack the savings and

Strategies for Safeguarding Your Business’s Digital Assets

Take these steps to protect your business’s online information. For business owners, the idea of a major cyber attack is enough to make their blood run cold.  This is because recent cases have

Protecting Your Home Health and Assisted Living Facility with Abuse Insurance

Understanding what abuse insurance can do for your home health agency, assisted living facility, or nursing home. Any organization that provides care or services for vulnerable populations is at risk

What the No-Fault Auto Reform Means for Michigan Motorists

Understanding Michigan’s new auto reform. Recently, the state of Michigan agreed to a historic deal that reformed the state’s no-fault auto insurance system.  Specifically, the deal

Breaking Down 3 Misunderstood Types of Commercial Insurance

Here are some of the most commonly misunderstood business insurance policies explained in more detail. As a business owner, you know that you are responsible for securing insurance for your

What Small Businesses Need to Know About EPLI

Why your small business needs the protection offered by EPLI. While most small business owners know how important it is to secure the right commercial coverages, many only think about general

What to Know About New HRA Expansion Rule

Learn how the new HRA final rule offers employers and employees new opportunities. On June 13, 2019, the Department of Labor, the Department of Health and Human Services, and the Treasury Department

Homeowners Insurance Vs. Inland Marine Insurance

How are homeowners and inland marine insurance different when it comes to coverage for your belongings? Part of your responsibility as a homeowner is securing the right insurance coverage to take

The Benefits of Establishing a Solid Return-to-Work Policy

How establishing a return-to-work program will help your business’s bottom line. As an employer, one of the last things that you want to deal with is an employee injury.  Unfortunately,

What to Know About American Patients First Initiative

Learn more about the Trump administration’s initiative to regulate prescription drug costs and improve healthcare transparency. In 2018, the Trump administration began exploring new strategies

Take These Precautions to Keep Your Home Safe While You’re on Vacation

Take these home safety precautions before leaving on your vacation. Are you taking a vacation this summer?  If so, then the last thing you want is for your relaxing getaway to be interrupted by the

Understanding New Opinion Letter Regarding the Family and Medical Leave Act

Learn about the DOL’s new opinion letter on the FMLA. Recently, the DOL (Department of Labor) announced the introduction of an opinion letter regarding wage and hour compliance with the Family

Purchase Eligible Products on Amazon with Your HSA or FSA

Online retailer Amazon recently announced that you can now use your flexible spending account (FSA) or health savings account (HSA) to purchase eligible medical products on its site.  Amazon’s FSA

How Having Commercial Insurance Can Improve Your Brand Image

How the right commercial coverage can help your company branding. As a small business owner, establishing a recognizable brand is likely one of your main areas of concern.  While launching a

What Business Owners Need to Know About the Telephone Consumer Protection Act (TCPA)

What businesses need to know about the TCPA. While most people haven’t heard of the TCPA (Telephone Consumer Protection Act), it is actually a huge deal for businesses.  In fact, TCPA related

How Homeowners Can Manage Their Risk When Working with Contractors

Protect yourself when working with home contractors. As a homeowner, you will eventually need to hire a contractor to address property repairs or renovations.  While this might seem like a routine

Exploring Alternative Forms of Funding for Your Employee Benefits Plan

Employers, consider these alternative funding approaches for employee health benefits. In the past, alternative funding solutions for health benefits were primarily available to large corporations. 

4 Tips to Help Your Small Business Stand Out from the Competition

Try out these suggestions to make your small business stand out from the competition. Promoting your small business is a difficult task.  Not only do you need to worry about other small businesses

Risk Management Considerations for Hiring Independent Contractors

Learn about the risk management strategies you should employ when it comes to working with independent contractors. As a business owner, it is your responsibility to mitigate your company’s

What Homeowners Need to Know About Sewer Backup Coverage

Insurance to protect your property from sewer backup damage. As a homeowner, it’s vital to protect your property with the right insurance coverage.  While standard home insurance policies

What You Should Do to Assist with Your Total Loss Vehicle Claim

Here are some of the steps that you should take when your car has been declared a total loss. If you’ve been in a major auto accident, then there’s a good chance that your insurer will

How to Safeguard Your Small Business Against Common Risks

Take steps to protect your company against common commercial risks. As a small business owner, you know that you are subject to a considerable amount of risk.  This is why it’s important to

Suggestions for Attracting and Retaining the Best Caregivers

How you can attract and keep talented caregivers on your staff. As the population continues to age, the demand for home healthcare services is increasing at a rapid rate. In order to keep up with

How Education Can Help Your Employees Manage Their Benefits

Proper education is the key to helping your employees control and understand their benefits. When open enrollment rolls around, many employees are confused and unsure about how to proceed with the

Important Health Insurance Terms That You Should Know

Here are some essential health insurance terms defined and explained. For those of us who are not highly experienced in the health insurance industry, navigating the market can be a confusing and

How Your Business Can Avoid Common Workers Comp Mistakes

Try out these suggestions to avoid common workers compensation insurance pitfalls. If you run a business, then it is your responsibility to protect and care for your employees.  One of the best ways

Why Michigan Commercial Auto Rates are the Highest in the Country

Learn about some of the factors driving Michigan’s high commercial auto insurance rates. Recently, Insurance Marketplace Realities released their 2019 report that predicts that commercial auto

The Impact of Data Breaches on the Healthcare Industry

How do cyber security breaches affect the healthcare industry as a whole? While the increased use of technology in the healthcare sector has helped to improve clinical outcomes and the delivery and

Load Up on These Heart-Healthy Foods This American Heart Month

Eating more of these foods will improve your cardiovascular health. February is American Heart Month, a month that encourages the public to take better care of their heart health.  One major goal of

Tips for Creating the Perfect Valentine’s Day Care Package

Fun ideas for your Valentine’s Day care package. If you’re in a long-distance relationship, then Valentine’s Day can be a sad reminder that your loved one is far away.  However,

Making These Auto Insurance Mistakes Could Cost You

Don’t make these expensive car insurance mistakes. For many car owners, securing and managing their auto insurance is a challenging task.  As a result, they often make mistakes when it comes to

Get Ready for These OSHA Deadlines

Business owners, prepare to send OSHA your injury and illness data. In accordance with their new employer recordkeeping rule, OSHA requires that certain business and commercial entities send in their