Insurance News

  • DOL Releases Updated Model Employer CHIP Notice August 7, 2018
    The U.S. Department of Labor (DOL) has updated its model notice for employers to provide information on eligibility for premium assistance under Medicaid or the Children's Health Insurance Program (CHIP). This notice is generally updated twice a year.
  • New Expiration Date for Certain Model FMLA Notices is Aug. 31 August 2, 2018
    The U.S. Department of Labor's Wage and Hour Division (WHD) has extended the effective date for some of its model FMLA notices through August 31, 2018.
  • Protect Your Business Against Spear-Phishing Emails July 26, 2018
    Cyberattacks and resulting data breaches often begin with a spear-phishing email. Spear phishing differs from regular email phishing in its use of extensive research to target a specific audience, which allows the spear phisher to pose as a familiar and trusted entity in its email to a mark. Read this newsfeed update to learn tops to protect your business ag […]
  • South Carolina Updates Employment Discrimination Poster July 24, 2018
    South Carolina has updated its employment discrimination poster to include required language regarding pregnancy accommodations.
  • Delaware Adjusts Minimum Wage Increase Effective Date July 19, 2018
    Delaware has adjusted its minimum wage increase to $8.75 per hour to take effect on January 1, 2019.
  • Summary Annual Reports Due Sept. 30 July 18, 2018
    Health plans with 100 or more plan participants at the beginning of a plan year are generally required to furnish a Summary Annual Report (SAR) to each health plan participant within 9 months after the end of a plan year. As a result, the deadline for most calendar year plans to satisfy the SAR requirement for plan year 2017 is September 30, 2018.
  • Delaware Raises Minimum Wage July 16, 2018
    Under a new law, Delaware’s minimum wage will increase to:
  • Oklahoma Passes Medical Marijuana Law July 12, 2018
    Effective July 26, 2018, Oklahoma law will generally prohibit employers from discriminating against a medical marijuana patient in hiring, termination, or any term or condition of employment.
  • Court Strikes Down Parts of CA Immigration Law July 11, 2018
    As a result of a recent federal district court ruling, California employers are no longer prohibited from:
  • New Expiration Date for Certain FMLA Notices is July 31, 2018 July 9, 2018
    The U.S. Department of Labor's Wage and Hour Division (WHD) has extended the effective date of several model FMLA notices through July 31, 2018.

PROPERTY & CASUALTY FAQ’s

If a contractor or one of his employees gets hurt while working on my property; can they sue me? If they have workers compensation that would take care of them. If they do not have workers compensation; you could end up in a law suit (if you were liable for why they got hurt). Always ask for a ‘certificate of insurance’ for liability and workers compensation before they work on your house. If you don’t get a certificate you can do your own research on the below website:

https://www.ewccv.com/cvs/?ref=https%3A%2F%2Fwww.google.com

If a neighbor’s tree falls on my car or house due to a storm, does my neighbor’s homeowners fix my car or house? No, it does not. The tree falling over is due to an act of God, not your neighbor’s neglect or them trying to take the tree down themselves and it falling the wrong way. Your comprehensive coverage on your auto policy would cover your auto and your homeowner’s policy would cover your home. Before you think this isn’t fair if your tree fell over in the storm and hit their house or car, it wouldn’t be your fault and you or your insurance wouldn’t be responsible.

If I loan my car to someone, does their insurance pay if they are in an accident? Your insurance pays first and your collision coverage is what covers your car (if you have collision coverage). Their insurance would pick up additional liability if they have higher liability limits than you.