Winter storms can create devastating damage in your community - and produce severe health issues for individuals due to exposure to the elements. And your business is at risk for even more unique challenges. Snow can completely destroy a building, damage power lines or - if melting - can cause flooding. Are you prepared? UPDATED: December 2017
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Ransomware is a common form of extortion and is a malicious software that blocks access to a victim's data by locking a system or encrypting data until the victim agrees to pay a ransom. Some versions threaten to delete the data or release confidential information to the public. Learn what triggers a cyber policy and what you can do to protect your business.
The medical science around the long-term effect of TBI on athletes is evolving. No consensus exists on the correlation between sports related concussions (SRC), sub-concussive events, the onset of chronic traumatic encephalopathy (CTE), and the manifestation of mental injuries.
The Patient Protection and Affordable Care Act requires applicable large employers (“ALEs”) to offer affordable, minimum value coverage to substantially all full-time employees, or to pay penalties. The IRS has begun assessing penalties, referred to as Employer Shared Responsibility Payments (“ESRPs”), on ALEs that failed to offer coverage in accordance with the ESR mandate in 2015. To assist employers in understanding the process associated with receiving a ESRP letter (via Letter 226J) and the possible courses of action that they may take, we have developed an Employer Shared Responsibility Payment Toolkit. The toolkit consists of an article, employer FAQs, a flowchart that provides fundamental information needed to understand and respond to an ESRP letter, as well as, matrices to assist employers in understanding the codes and the transitional relief that was available in 2015 Form 1095-C filings – all of which is essential for employers to evaluate and properly respond to a penalty assessment letter from the IRS.
Unfortunately, entry into confined spaces frequently results in serious injury or death, not only to the initial entrant but to would-be, untrained rescuers.
Standard liability and property insurance policies have excluded coverage for claims associated with pollution events since 1985, leaving significant coverage gaps in insurance programs throughout the U.S.
Directions newsletter is a monthly publication of the Benefits and HR Consulting practice of Arthur J. Gallagher & Co. The December 2017 issue includes articles about Medicare indexed dollar values for 2018, additional hurricane and wildfires disaster relief for employer’s benefit plans, delays in DOL fiduciary and disability regulations, a telecommuting agreement requirement in France, the 2017 Form 5500, a state law update, and several important reminders.
As the U.S. economy continues to recover, so too have many of our nonprofit clients. Nonprofit D&O markets are generally seeing marginal rate changes from -1% to 2%, whereas previously rate increases ranged from 0% to 5% when there was no change in financial condition, exposures or losses.
This Weekly Market Update reviews the top 3 market headlines: Another Positive Jobs Report, A Flattening Yield Curve, U.S. Worker Productivity Rebounds
On November 13, 2017, the Department of Transportation amended its drug testing program regulation which, among other things, adds certain semisynthetic opioids to its drug testing panel.