We all know that collateral plays a major part in negotiating an insurance program. The key is to not only focus on the collateral when you are putting the program together but to focus on the collateral requirements down the road. Consider our client’s “lessons learned” when exploring your own coverages.
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Workers compensation issues are a challenge for nearly every business, but given the activities for trucking employees, the risk could be even higher. A large privately held trucking company was facing a difficult high deductible workers compensation renewal with their insurance broker of 15 years. Forty days before the renewal, the broker delivered a 15% rate increase to their workers compensation premium with no alternative options or additional discussion anticipated with the company to bind their coverage. Were there better options?
When a large privately held transportation company was forming an “asset light” division to utilize independent contractors - instead of company drivers, they needed a comprehensive insurance coverage program to minimize their risk exposure. However, during the due diligence process of developing this new strategy, the company shared some of their challenges with additional coverage and service issues they were having with their broker of 25 years. Was there an alternative that could effectively support their new operations while addressing their client service concerns?
A monthly series designed to help you navigate through the year’s most daunting compliance challenges. This installment focused on Consumer-Driven Healthcare.
Federal Reserve Chairwoman Janet Yellen’s press conference debut left equity markets rattled and wary about the expected timing for projected increases in short-term rates. A decision on when to raise rates was further complicated when the Fed announced it had reduced the importance of the unemployment rate. In confronting the need to further scale back and normalize the bond market while fueling the continued economic recovery, the Fed faces several challenges. Now is the time for investors to analyze the risk of their fixed income portfolios.
This Article Includes: IRS Releases Final Regulations on Employer and Issuer 6055 and 6056 Reporting Requirements, Employer FAQs: Reporting Requirements Under Sections 6055 and 6056, Sample Employee Communications for Section 6055 and 6056 Reporting Purposes, Checklist - IRS Reporting for Fully-Insured Plans, Checklist - IRS Reporting for Self-Funded Plans, Questions and Answers for Employers
In February regulators issued final rules on PPACA’s employer shared responsibility requirement, final regulations on the 90-day waiting period maximum and one new proposed regulation on a permissible orientation period. Our 1-hour recorded webinar summarizes this new guidance.
The five-year anniversary of the stock market bottom on March 9th, 2009 slipped by rather quietly now it's time to review The Bear Case vs. The Bull Theory
Markets Shrug Off Putin’s Push The weakening ruble forced Russia’s central bank to take action in an effort to stabilize the currency and Russian stock market. Russia’s ability and willingness to withstand a sustained conflict is unknown. Only time will tell whether the impact on markets will be negligible or if this event will put downward pressure on markets.
Directions newsletter is a monthly publication of the Benefits & HR Consulting Division of Arthur J. Gallagher & Co. The March 2014 issue includes healthcare reform updates, benefit trends and surveys, upcoming webinar information and a variety of benefits and HR news including: Final Employer Shared Responsibility Regulations Issued, IRS Provides Healthcare Tax Tips for Individuals, Spending on Wellness Incentives to increase 15 percent in 2014, Survey Finds, IRS Updates Quick Reference Guide for Public Employers, and Same-Sex Marriage Bans Ruled Unconstitutional in Kentucky, Virginia, and Texas.