Insurance News

  • NY Order and Guidance Affect COVID-19 Leave for Employees July 7, 2020
    New York Governor Andrew Cuomo has issued an order barring state COVID-19 leave for employees who travel to states on New York’s travel advisory. In addition, recent state guidance clarifies when health care workers under isolation or quarantine orders are eligible for leave under the New York law.
  • Colorado Passes Paid Sick Leave Law July 2, 2020
    The Colorado legislature has passed the Healthy Families and Workplaces Act (Act), requiring all Colorado employers to provide employees with different types of paid sick leave in different circumstances:
  • IRS Issues Guidance on Leave Donation Programs for COVID-19 June 30, 2020
    Employee leave donated to COVID-19 charities through employer-based programs will not be taxed as income of the donor employees, according to recent guidance by the IRS.
  • IRS Issues Proposed Regulations for Qualified Employee Transportation Fringe Benefits June 30, 2020
    The IRS has issued proposed regulations that provide guidance for employers determining the amount of nondeductible qualified fringe transportation expenses. The proposed rules also provide guidance for applying exceptions, and include definitions, special rules and methodologies.
  • DOL Issues Guidance on FFCRA Leave for Summer Camp Closures June 26, 2020
    The U.S. Department of Labor has issued Field Assistance Bulletin 2020-4, clarifying when employees may take paid leave under the Families First Coronavirus Response Act for the COVID-19-related closure of a summer camp, summer enrichment program or other summer program.
  • DOL Launches Employee Tool for Determining FFCRA Leave June 25, 2020
    The U.S. Department of Labor has created an online tool to help workers determine whether they qualify for paid leave under the Families First Coronavirus Response Act.
  • DOL Issues Five New Fair Labor Standards Act Opinion Letters June 25, 2020
    The New Letters Clarify Compliance Issues With the FLSA On June 25, 2020 the U.S. Department of Labor (DOL) published five new opinion letters. Opinion letters provide the DOL’s official position on how labor and employment standards apply in specific
  • Federal Agencies Release More FAQs on Coronavirus-related Changes for Health Plans June 25, 2020
    New FAQs Address a Variety of Health Coverage Issues Related to the COVID 19 Outbreak The Departments of Labor, Health and Human Services and the Treasury have provided answers to a second set of FAQs (FAQs Part 43) about health
  • President Trump Suspends Entry of Certain Foreign Workers June 25, 2020
    The Order Is Effective Between June 24 and December 31 On June 22, 2020, President Trump suspended the entry to the United States of certain foreign nationals holding specific working, nonimmigrant visas. The order becomes effective June 24, 2020 and
  • OSHA Issues Guidance for Reopening Nonessential Businesses June 22, 2020
    OSHA's Publication Includes Charts and Examples Help Implement Safety Principles On June 18, 2020, the Occupational Safety and Health Administration (OSHA) released guidance to help employers plan how to reopen nonessential businesses. The guidance also addresses issues employers should consider

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.