Association Health Plans: A Solution, or More of the Same?

association health plans

By Scott McGraw and Amy Greinke How does a health care plan without emergency services, prescription drugs or mental health care sound? Good? OK, great, because that’s what small-business owners and others who join association health plans, or AHPs, might end up with were they to enroll in these plans. The Labor Department issued proposed… Read more »

Worker Deaths at Highest Level Since ’08

worker safety

Deputy Assistant Secretary of Labor Loren Sweatt summed it up best: “America’s workers deserve better,” she said in a statement last month. Sweatt was responding to a new report from the U.S. Bureau of Labor Statistics saying that 5,190 people were killed on the job in 2016, the most since 2008. What’s more, the rate… Read more »

Insuring Against Environmental Civil Fines

environmental insurance policy

The U.S. Environmental Protection Agency has drawn plenty of fire in recent years for what critics view as over-zealous regulation enforcement. Civil penalties paid by polluters are down at the moment, so there may be a shift at hand. Regardless of the enforcement climate, any business interested in protecting its balance sheet and brand will… Read more »

Grappling Once Again with Marijuana Use Laws

marijuana workplace

Attorney General Jeff Sessions’ new policy allowing federal prosecutors to crack down on the marijuana industry might have left some business owners confused about what to do next about their workplace policies. Others might have been relieved. The move will let federal prosecutors decide how aggressively to enforce federal marijuana law. Reaction in Colorado (and… Read more »

Affluent Face Greater Cybercrime Risk

cybercrime insurance affluent families

When the National Security Agency can get hacked, it’s clear that things have gotten serious on the cybercrime front. It’s also clear that no one can or should assume they can truly shield themselves from would-be hackers. The NSA, of course, is America’s largest and most secretive intelligence agency. And it has been deeply compromised… Read more »

Why Your Auto Insurance Rates Are Still Going Up

auto insurance rates

You never drive above the speed limit. You signal well ahead of turns. You’ve never had a single collision or filed any claims with your insurance company. In short, you’re a safe driver. So why are your auto insurance rates still rising? As it turns out, your rate, like everyone else’s, isn’t based on any… Read more »

Case Study: Assigning Liability Where it Belongs

liability subrogration

THE CHALLENGE:  Liability can be funny, though hardly ever in a ha-ha sort of way. Where things often get messy is in determining who pays when more than one party is, to one degree or another, involved in a claim. That’s what we were dealing with when our client, a subcontractor, hired another subcontractor to… Read more »