Insure My Road Trip

  Buying travel insurance, no matter the mode of transportation, is a purchase decision that changes with each scheduled trip. When we discuss our travel insurance plans, they typically are geared for travelers flying to a destination or taking a cruise. Travelers don’t always take a plane or ship to reach their destination, some plan…

EEOC Publishes Its Position On Employees With Disabilities, Return-to-Work And Leave

According to the Equal Employment Opportunity Commission (EEOC), there has been a “troubling trend” in employment discrimination with regard to how employees with disabilities are treated in the workplace. Charges of disability discrimination are on the rise, and the EEOC believes that organizational policies on disability leave are a key factor in that increase. In…

Department of Labor Releases Final Rule Regarding Overtime Exemptions under the Fair Labor Standards Act

Recently, the Department of Labor (DOL) released its final regulations making changes to Part 541, governing overtime exemptions under the Fair Labor Standards Act (FLSA). Here are the key elements of the new regulation that you need to know now: 1. Salary Threshold Changed to $913/week ($47,476 per year) This threshold doubles the current salary threshold…

Cyber Liabilities Loom for Small Businesses

Each year new technologies, and improvements on old ones, come along to make our jobs easier and enhance productivity. Today it is easier than ever to store and retrieve personal financial information, but protecting that information poses increasing challenges. Security in cyber space is something everyone needs to be concerned about. “Statistically speaking, just about…

2015 EEOC Charge Statistics: What Do They Reveal for 2016

On February 11, 2016, the Equal Employment Opportunity Commission (EEOC) released a detailed breakdown of charges filed during its fiscal year 2015. The overall number of charges stayed shy of 90,000 at 89,385, slightly above the 88,778 filed in 2014, but well below the 99,947 filed in 2011. This continues a trend of fewer charges…

Common Cyber Insurance Objections

With the rise of cyber attacks, Cyber Insurance is become more and more of a necessity in a business’ risk management strategy. Here are some of the common objections we hear when talking to clients about this invaluable coverage and our responses. OBJECTION “I am not a target for hackers.” RESPONSE – Many data breaches…

Removing Autos from Your Business Auto Policy

Question: Business is bad and I need to save some money on my auto insurance. I want to delete the coverage on some vehicles that aren’t being used right now. They are stored in a secure parking area. Is that OK? Answer: Removing vehicles you still own from your auto insurance policy is probably not…

DOL Increases FMLA Enforcement

The U.S. Department of Labor (DOL) is focusing more of its resources on enforcing compliance with the Family and Medical Leave Act (FMLA) through employer audits. Although the DOL has always had the authority to conduct FMLA audits, the agency has been ramping up its efforts and taking a more aggressive approach in its investigations.…

Intentional Acts and Weapons Liability

Even though the Legislature legalized concealed weapons in 1996 and open carry in 2015, there is nothing new about a business owner keeping weapons under the store counter or in the vehicle used to take deposits to the bank. The laws, however, raise questions about liability insurance for weapons-related incidents, so it’s a good time…