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Employee Benefit News
NOVEMBER 30, 2022
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Insurance Related Topics 
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Workers’ Comp Insurers Continue Cutting Their Rates
InterWest Insurance Services
NOVEMBER 15, 2022
Despite the Workers’ Compensation Insurance Rating Bureau recommending that benchmark rates in California be increased in the last two years, the rates that insurance companies are charging for coverage continue falling. Blog InterWest Insurance Services workers' comp
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Auto Insurance: Strategies to Save
Money Talk
NOVEMBER 15, 2022
One of the largest items in household budgets is car insurance. According to Bankrate, the average annual cost of car insurance in June 2022 was $1,771 per year ($148 per month) for full coverage and $545 for just the minimum coverage required by state law. Of course, individual insurance premiums vary widely according to multiple factors (e.g., Do you want to save money on car insurance without sacrificing needed coverage?
State Unemployment Insurance Taxable Wage Bases for 2023
American Payroll Association
NOVEMBER 30, 2022
Several states have released their state unemployment insurance (SUI) taxable wage bases for 2023
How to Achieve Your Cybersecurity Goals for Employee Data
Speaker: Gallagher
Join our employee benefits compliance experts as they address the current state of cyber, best practices when developing and maintaining a cybersecurity program for employer-sponsored benefits, and resources to help you meet cybersecurity goals for your employee data.
Vacant Buildings Pose Risks, Insurance Challenges
InterWest Insurance Services
NOVEMBER 8, 2022
This can lead to costly problems and loss of insurance coverage. Insurance implications. If a building is actively occupied and someone conducts business there, the risks of vandalism and what insurers term “malicious mischief” against that property are relatively low.
Individual health insurance vs. group health insurance
PeopleKeep
OCTOBER 17, 2021
If you’re offering health benefits for the first time, or are considering changing up your benefits strategy, it's common for employers to compare a traditional group health insurance plan with individual health insurance reimbursement options, like health reimbursement arrangements (HRAs).
Umbrella Insurance: Do You Need It?
Money Talk
DECEMBER 8, 2021
Like an umbrella that covers your head to protect you from a rainstorm, an umbrella liability policy “covers” your other property insurance, thereby providing additional protection. Umbrella policies provide coverage for $1 million, or million-dollar increments above a policyholder's underlying auto, boat, and/or homeowners/renters insurance liability limits. To summarize, umbrella insurance protects policyholders’ assets from large claims when they are found at fault.
Excess and surplus insurance
Higginbotham
NOVEMBER 22, 2022
Insurance helps business owners cover their risks – but what if the risk is so great or unique that traditional insurance companies don’t want to cover it? As Investopedia explains, admitted carriers are licensed to operate in the state where they sell insurance products.
Construction Firm Tips for Avoiding Insurance Disasters
InterWest Insurance Services
JULY 26, 2022
For these reasons, it’s important that you understand your insurance coverages and that you know how to address any deficiencies that may exist in your risk management strategy. Remember, some large projects and lenders require that you are covered by only an A-rated insurer.
Who Needs Disability Insurance?
Fringe Benefit Analysts
MARCH 2, 2022
That’s where disability insurance comes in. What is Disability Insurance? Disability insurance can replace your lost income if you’re unable to work due to illness or injury. Think of it as insurance for your paycheck, which is likely your most valuable asset.
What does health insurance cover?
PeopleKeep
APRIL 6, 2022
Without insurance, Healthcare.gov estimates an accident leading to a broken leg can cost up to $7,500 to fix, and an average three-day hospital stay can reach up to $30,000. Census Bureau says roughly 91% of all Americans are now covered by some form of health insurance.
Single-payer health insurance could be right around the corner
Employee Benefit News
AUGUST 31, 2022
Health insurance Healthcare Healthcare plans
What is interchange insurance?
Higginbotham
NOVEMBER 3, 2022
Interchange insurance is a form of insurance coverage that protects truck drivers or trucking companies against liability for damage to a trailer which, although not their property, is in their possession or control at the time of the loss. What does trailer interchange insurance cover?
2022 Health Insurance Outlook, Changes
InterWest Insurance Services
DECEMBER 9, 2021
In addition, new rulemaking is likely to be introduced in 2022 that will affect health plans, including non-discrimination rules for wellness plans and new rules governing what must be included on insurance plan ID cards. Blog InterWest Insurance Services health insurance
Alleviating Health Insurance Burden on Employees a Top Priority: Poll
InterWest Insurance Services
AUGUST 5, 2022
Blog InterWest Insurance Services health insuranceAs the 2023 group health open enrollment season nears, more employers have heard concerns among their staff and are focusing on affordability and easier access to health care services, according to a new study.
What is captive insurance?
Higginbotham
OCTOBER 19, 2022
Captive insurance is an increasingly popular form of commercial self-insurance in which the insurance company is a wholly-owned subsidiary of the insured. The insured may be a single parent company or a group of companies. An Option for Sophisticated Insureds.
Kentucky Lowers Unemployment Insurance Taxable Wage Base
American Payroll Association
APRIL 1, 2022
APA's list of 2022 state unemployment insurance taxable wage bases has been updated to reflect a change by Kentucky that lowers its wage base
What Is Unemployment Insurance?
Patriot Software
OCTOBER 11, 2022
That money comes from unemployment insurance. Unemployment insurance is funded by payroll taxes. Unemployment insurance is something you should have a basic understanding of as a business […] READ MORE.
The Ultimate Guide to HR Tech in the Insurance Industry
Darwinbox
DECEMBER 7, 2022
The insurance industry is in the midst of a significant transformation, on the path to explosive growth over the next few years. This article discusses the insurance industry landscape, and how HR technology can accelerate the efficiency and growth of insurance companies.
Delays, Higher Insurance Costs Burden Owners, Contractors
InterWest Insurance Services
DECEMBER 14, 2021
Increasing construction project delays are combining with a hardening market for builder’s risk and liability insurance to create headaches for project owners and contractors. Insurers’ response. This is happening at a time of persistently tight insurance market conditions.
Most Workers Make Bad Health Insurance Decisions
InterWest Insurance Services
SEPTEMBER 9, 2022
Even though the majority of workers receive health insurance coverage on the job, a new survey has found that many of them understand surprisingly little about their health plans and are leaving money on the table.
Commercial Property Insurance Gets Scarce in At-Risk Areas
InterWest Insurance Services
OCTOBER 10, 2022
Commercial property insurance rates remain stubbornly high in California for businesses with properties that are susceptible to wildfire risks. To make matters worse, more insurers are either scaling back or ceasing to cover businesses in these areas, resulting in many companies scrambling to find replacement coverage. What insurers are doing. To put it simply: there is a major insurance crunch in those areas. Policies can often be customized for the insured.
Gen Z, Millennials Grow Disillusioned with Their Health Insurance
InterWest Insurance Services
APRIL 27, 2022
Surprise bills and billing errors are driving growing dissatisfaction among Millennials and Gen Zers with their health insurance, a new study has found. Additionally, the study found that: 39% of Millennials are unsatisfied with their health insurance options.
Can you have two health insurance plans?
PeopleKeep
DECEMBER 29, 2021
Navigating the world of health insurance can be tricky, especially if you’ve found yourself with more than one health insurance plan to figure out. If you’re new to dual insurance, then this article is for you! We’ll cover: Why someone might have two health insurance plans.
Inflation Could Hit Group Health Insurance Premiums
InterWest Insurance Services
JULY 14, 2022
The health care sector is not immune to the effects of spiking inflation, and the increasing cost of care is likely to spill over into health insurance — but it’s uncertain by how much.
Group coverage vs. individual health insurance cost
PeopleKeep
OCTOBER 25, 2021
Deciding whether to enroll in a group health insurance plan through your employer or to purchase your own individual health insurance plan can be a confusing decision to make. How exactly do individual health insurance premiums compare to group health insurance premiums?
Does homeowners’ insurance cover injury liability?
Higginbotham
DECEMBER 8, 2022
Now you’re wondering – does homeowners’ insurance cover the injury? In some cases, your home insurance policy may provide coverage, but it’s important to know the common exclusions, limitations and requirements. . Homeowners’ Insurance and Personal Liability Coverage .
Government maintains national insurance contributions freeze
Employee Benefits
NOVEMBER 17, 2022
Autumn budget 2022: The government has decided to maintain the current freeze on employers’ national insurance (NI) contribution thresholds for a further two years. The post Government maintains national insurance contributions freeze appeared first on Employee Benefits.
How to become an insurance broker
PeopleKeep
APRIL 4, 2022
There’s no doubt that the insurance industry is tricky to navigate. That’s why insurance brokers are critical in helping consumers pick and choose plans that are right for them. Bureau of Labor , employment of insurance brokers is projected to grow 7% between 2020 to 2030.
How Much Does Individual Health Insurance Cost?
PeopleKeep
OCTOBER 7, 2021
Many people assume that individual health insurance is more expensive than group health insurance. Note: Individual health insurance is purchased by an individual for themselves or their family, and group health insurance is purchased by an employer for employees.
Health Insurance Considerations for Workers Who Move Out of State
InterWest Insurance Services
MARCH 4, 2022
But while these arrangements can be a boon for workers, they can make it difficult when it comes to your workers’ group health insurance. If all of your staff are working in a single location, city or state, there are usually plenty of options for group health insurance.
Accident Plan Insurance 101
Stratus.HR
FEBRUARY 16, 2021
However, having an accident insurance plan can help relieve some of that financial burden. With a typical accident insurance plan, enrolled participants receive a lump-sum benefit for injuries sustained from an accident. Wishing you had accident plan insurance?
How to cancel your health insurance policy
PeopleKeep
DECEMBER 27, 2021
Open enrollment is a popular time to switch up your health insurance, but it isn't the only time you can cancel your current policy. Individual Health Insurance Group Health Insurance Health Insurance Options
Bobtail insurance explained
Higginbotham
JUNE 1, 2022
If you drive a big rig, or if you manage a fleet that includes tractor-trailer equipment, you need to understand bobtail insurance. In this article, we’ll explain what bobtail insurance is, how it works and why bobtail insurance an essential form of auto liability coverage.
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