Insurance Industry Continues to ConsolidateAs most brokers are likely aware, the last decade has seen a significant uptick in consolidation in the insurance industry. The late 1990’s saw a boom in merger and acquisition activity, resulting from rising stock markets, declining interest rates, industry deregulations and increased globalization. One of the latest acquisitions is that of the Hub International Ltd. purchase of Laubacher Insurance Agency, Inc.

Laubacher is a California-based agency providing property and casualty, employee benefits, and personal lines services. The agency’s main focus is on farm and ranch..

Posted:March 13, 2015

New Bill Aims to Tackle EEOC Involvement in Wellness Programs


It’s no secret that the Equal Employment Opportunity Commission’s (EEOC) decisions are often cause for questions and anxiety from employers nationwide, leading many companies, including some of your clients to question if the EEOC is going too far in some cases. Your clients are increasingly facing a high number of Employment Practices Liability Risks simply by conducting their business; including claims of discrimination, harassment, FMLA violations, unfair pay, and more. The latest challenge to employers nationwide has been the EEOC’s..

Posted:March 9, 2015

Are Employers Still Unprepared for ACA Conditions

At the beginning of the year, we announced that ACA Compliance had begun for 2015, and discussed what this meant for employers; explaining that your clients will need to decide whether their new hires are variable hour employees subject to a measurement period, or whether they’re full-time employees.  Understanding and complying with new ACA conditions is vital to running a business in the U.S. and potentially reducing Employment Practices Liability Risks.

Some healthcare and employee benefit experts, such as those from Employee Benefit News,..

Posted:February 27, 2015

Is Email Still an Effective Marketing Method for Agencies

This question is a common one for insurance agents nationwide; both those selling personal lines as well as commercial lines insurance, such as Professional Liability or Errors and Omissions Insurance. In the age of social media, agents wonder if email marketing is losing its popularity and its effectiveness on generating leads. The good news is, according to a recent study by predictive analytics firm Custora, customer acquisition via email has actually quadrupled in the last four years. In fact, email..

Posted:February 25, 2015

Are Less People Buying Homes Than in the Past

In 2008/2009, the American economy took a huge hit, and unsurprisingly, Americans stopped spending money. This was especially true when it came to home-buying. But now that the economy is picking up and gaining traction once again, a discouraging fact appears to be evident; less people are buying homes than before the recession. With all the financial considerations your clients must make, including acquiring the right Professional Liability Insurance for Residential Real Estate Agents, the last thing they want to worry about..

Posted:February 23, 2015

With Travel Comes Liability RisksIt’s a dreaded scenario for many business owners who send employees overseas or even to another part of the country; the employee gets to their destination only to be injured by a natural disaster or to partake in activities that damage the reputation of their business. Inappropriate behavior is the more commonly known of these risks; with over 25% of business travelers admitting to binge drinking while traveling for work. In addition to risking not only themselves, they are risking your client’s Directors and Officers..

Posted:February 20, 2015

How to Support a Positive Office CultureWhy is a positive office culture important? Not only does a good company culture help your clients retain and attract employees, it could also improve productivity and even potentially reduce the risks of facing a costly Employment Liability Insurance claim or perhaps even a Professional Liability or Directors & Officers claim. So just how can your clients support a positive office culture?

According to sources from Employee Benefit News, one of the worst things a company can do to ruin an office culture is..

Posted:February 18, 2015

How Should Employers Respond to Anthem’s BreachHow Should Employers Respond to Anthem’s Breach?

As the investigation continues and officials look into the significant data breach that may have affected up to 80 Million customers, officials have found that this breach may have started as early as April 2014 according to The Wall Street Journal. In addition to ensuring that their own Privacy and Network Security policies are up to date to financially protect themselves from cases such as this, how else should employers respond to Anthem's breach?  

It’s no secret that..

Posted:February 16, 2015
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How can Unlimited PTO Hurt U.S. EmployersHow can Unlimited PTO Hurt U.S. Employers?

In our previous post, we explored the concept of unlimited PTO, and how it could potentially help increase productivity in the workplace, create more trust between employers and their staff, and can help your clients attract new employees. Some business owners believe that the newly established employer-employee relationships may even reduce Employment Liability claims. Naturally, this idea has been met with reservations from some clients, and it is not right for every individual company. In this post..

Posted:February 13, 2015

Could Unlimited PTO Benefit U.S. Employers?Could Unlimited PTO Benefit U.S. Employers?

Naturally, the average U.S. employer would probably laugh at the idea of “unlimited” paid vacation time for their employees. How could such an initiative be a good idea? Would any work get done? The important thing to keep in mind about this proposal of unlimited PTO is that the point is not to give employees a free pass to take as much vacation time as they want. It’s also not a sneaky way for managers to discourage employees from taking time..

Posted:February 11, 2015

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