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Standalone Side A Insurance: When You Can’t Indemnify Directors and Officers
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Boards – How to Unlock the Value of Representations and Warranties Insurance
Representations and Warranties Insurance may not be right for your deal; how do you avoid after-the-fact second guessing? Documentation and following best practices are the best protection against accusations that you didn’t explore all reasonable options to maximize the outcome of a good deal.View Insight -
California Workers' Compensation - Top Challenges in 2017
Several changes took place January 1st that will impact your total cost of risk for California Workers' Compensation. Changes to the Experience Rating System, First Aid Claims, Directors & Officers Exclusion (AB 2883), Directors & Officers Minimum and Maximum Charges, and Pure Premium Advisory Rate will prove to be the top challenges of 2017.View Insight -
2017 OSHA Update
In this annual update we'll cover changes to Repeat Violations, the expansion of the 2017 High Hazard List, and how to file the OSHA 300 log.View Insight -
IRS Issues Memorandum on Taxation of Indemnity Plans
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House Republican ACA Repeal and Replacement Proposal
On March 6, 2017, the House Ways and Means and the Energy and Commerce committees unveiled two budget reconciliation bills intended to repeal and replace certain provisions of the Affordable Care Act (ACA). The Ways and Means bill focuses on health-related tax policy whereas the Energy and Commerce bill focuses more on access to public health programs (e.g., Medicaid).View Insight -
Proposition 64: Marijuana in the Workplace
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House Republicans Pass the American Health Care Act (AHCA)
House Republicans have negotiated two key amendments to the American Health Care Act (AHCA) in order to muster enough votes within the House GOP to get the legislation passed. The revised AHCA passed by a narrow partisan vote of 217-213 without needing a single yes vote from House Democrats.View Insight -
Automobile Insurance Rates are Rising
Commercial Automobile Liability is quickly becoming a challenge due to rising claims costs, stemming from heightened frequency and severity of losses. As a result, insurance carriers are analyzing auto exposures more closely and seeking higher rates across industries. There are several factors contributing to rising claim costs and higher automobile losses: more traffic, inexperienced and/or distracted drivers, rising medical and automobile repair costs.View Insight -
Senate Republicans Reveal Their Better Care Reconciliation Act
On June 22, 2017, Senate Republicans revealed their much-anticipated draft bill aimed at repealing/reforming major provisions of the Affordable Care Act (ACA). Senate GOP leadership and the 13-person panel Senate working group have been meeting and working on the draft bill behind closed doors since the House passed its version of the American Health Care Act (AHCA) on May 4, 2017. The Senate has opted to drop the AHCA name and call its version, the Better Care Reconciliation Act of 2017 (BCRA or Better Care Act).View Insight -
IRS Decreases ACA "Affordability" Percentage
The IRS issued guidance in Revenue Procedure 2017-36 that decreases the percentage from 9.69% to 9.56% for purposes of determining the affordability of employer-sponsored group health coverage in 2018. This percentage affects which applicable large employers may face potential penalties under 4980H(b) for failure to provide affordable coverage and which individuals may qualify for subsidized coverage through a public Exchange (Marketplace).View Insight -
Cyber Security Resource Center: The Equifax Breach