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For the first time in 2016, all applicable large employers (generally those with 50 or more full-time equivalents) are required to provide a Form 1095-C to any employees who were full-time for at least one month during 2015. And all employers, regardless of size, offering coverage under a self-funded plan during 2015 must provide either a Form 1095-B or Form 1095-C to any individuals covered under the self-funded plan.

Reps and warranties insurance, particularly in the US and most especially on the West Coast, was just a novelty for too long. More recently, however, the rise of reps and warranties coverage is well documented. Reps and warranties insurance is now a standard part of private equity transactions and an increasing part of the strategic buyers and sellers’ tool kits.

Effective January 1, 2017, the WCIRBs proposed variable split point experience modification formula will replace the current single split point formula.

Nobody ever thinks that they will be the victim of an act of violence or terrorism in the workplace, even as these tragic events become more and more common in our society. As a result, little is done to prepare for or be aware of the potential warning signs that may offer evidence that something really bad is about to happen.

Risk managers typically dont have the capacity to invest large amounts of time preparing for a loss that may never occur. But when you reserve a reasonable amount of time to prepare for certain losses that could be damaging to your business, the effort can more than pay for itself in the long run.