As a small or medium-sized business (SMB) owner, running a business in our current inflationary economy is not easy with prices increasing. Unfortunately, with the current insurance hard market, premiums are also increasing, which especially negatively impacts smaller business. To help you mitigate your costs,...

The Affordable Care Act (ACA) created reporting requirements under Internal Revenue Code (Code) Sections 6055 and 6056. Under these rules, certain employers must provide information to the IRS about the health plan coverage they offer (or do not offer) to their employees. Under the original rules,...

Home health care workers provide care to patients in the patients’ homes, without the protections of a hospital setting. Because of this, home health care workers can be vulnerable as they face an unprotected and unpredictable environment each time they enter a patient’s community or...

Dump truck beds are large cargo containers designed to transport and unload bulk materials by tilting upward through hydraulic systems. While essential across industries such as construction, waste management and agriculture, partially or fully raised dump truck beds introduce serious safety risks. Collisions with overhead...

Loading docks are raised platforms at warehouses and other storage facilities used to load and unload goods from commercial vehicles, typically tractor-trailers. Although these platforms can promote the seamless transfer of goods and allow for more efficient delivery and shipping operations, they also present unique...

Article based on presentation by Kevin Kilcoyne, Director of Staffing Insurance, Barrow Group/Hilb Group In high-risk operations like warehouses and construction sites, workers’ compensation performance isn’t something you “feel out.” You manage it the same way you manage production: with numbers you trust. Tracking a tight...

In 2026, production insurance isn’t just something you “get” at the end. It’s now a real-world constraint that affects how you plan the shoot, pick locations, hire vendors, build the schedule, and even finance the project. A lot of the market never went back to...

PEO-sponsored Workers' Compensation Insurance has advantages and disadvantages.  For some organizations, having a stand-alone policy may be a better alternative.  Here is a detailed comparison based on expert sources. Aspect PEO (Professional Employer Organization) Standalone Workers’ Compensation (WC) Payroll Services PEO exclusively handles payroll for enrolled employees, including payroll taxes...

Real-time pay (often called on-demand pay or earned wage access) sounds like a slam dunk: employees get money as soon as they’ve earned it instead of waiting for payday. From an employer’s standpoint, though, it can be a surprisingly messy operational and compliance project. Here’s...