http://www.horstinsurancelibrary.com/index.php/commercial_insurance/listing Valuable news and information from Horst Insurance en resources@horstinsurance.com Copyright 2009 2009-04-01T17:31:51+00:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_can-spam_act_a_compliance_guide_for_businesses/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_can-spam_act_a_compliance_guide_for_businesses/#When:17:02:25Z Do you use e-mail in your business? The CAN-SPAM Act, a law that sets the rules for commercial e-mail, establishes requirements for commercial messages, gives recipients the right to have you stop e-mailing them, and spells out tough penalties for violations. The Controlling the Assault of Non-Solicited Pornography and Marketing… Employer Education, Legislative News 2012-01-26T14:02:25-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/2011_insurance_coverages_survey_results/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/2011_insurance_coverages_survey_results/#When:16:30:09Z This survey summary recaps P&C insurance coverage trends, including General Liability, Property, Professional Liability (Errors & Omissions), Directors' and Officers' Liability (D&O), Employment Practices Liability (EPL) and Umbrella/Excess Liability. The survey was conducted in late 2011 through client portal websites.  All responses were submitted anonymously and have not been validated… Employer Education, Property & Casualty Insurance, Survey Results 2012-01-26T13:30:09-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_2012_compliance_checklist/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_2012_compliance_checklist/#When:16:05:50Z Health care reform brings a number of changes for employers and health plans in 2012. As employers prepare to comply with new requirements, they need to be aware of how health care reform will affect them in the coming year. This H.G.I.D., Inc. t/a Horst Insurance Legislative Brief provides a… Employer Education, Heath Care Reform 2012-01-26T13:05:50-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/navigating_the_hardening_market1/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/navigating_the_hardening_market1/#When:19:19:26Z As industry experts closely monitor the market, the state of the insurance industry continues to fluctuate. This can be confusing for business owners trying to forecast future insurance costs while experts try to project whether insurance premiums will rise and by how much. What is clear is that risk management,… Employer Education, Property & Casualty Insurance 2012-01-24T15:32:26-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/house_bill_440_client_survey/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/house_bill_440_client_survey/#When:14:06:16Z This survey will assist your Account Team in assessing your interest in Workers' Compensation under HB440, a new law in which workers' compensation coverage is available to a previously ineligible group. Employer Education, Legislative News, Workers’ Compensation 2011-12-25T10:20:16-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/house_bill_440/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/house_bill_440/#When:17:56:56Z On August 29, 2011, Pennsylvania House Bill 440 went in to effect.  HB440 now makes it permissible for SWIF (State Workman’s Insurance Fund – otherwise known as “The State Fund”), and insurance carriers to provide workers’ compensation benefits to sole proprietors, partners of a partnership and to members of a Limited… Employer Education, Legislative News, Workers’ Compensation 2011-12-23T13:45:56-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/winter_weather_can_affect_your_business/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/winter_weather_can_affect_your_business/#When:18:21:49Z Winter weather is unpredictable and can have a large impact on your business. While maintaining business operations is always at the forefront of your mind, it is important to consider employee safety as well. You should have policies and procedures in place before bad weather hits so that your company… Employer Education, Risk Management, Safety 2011-11-22T14:15:49-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/be_prepared_winter_storms/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/be_prepared_winter_storms/#When:18:04:59Z Preparing for winter storms, whether your work involves being inside, outside or in a vehicle, is crucial to survival and safety. Become familiar with winter storm warning signals so you can take appropriate action, and learn the dangers of winter ailments so you can avoid injury. Use these tips to… Employee Communication, Risk Management, Safety 2011-11-22T14:09:59-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/avoid_winter_slip-ups/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/avoid_winter_slip-ups/#When:18:00:45Z Winter months present additional hazards that are typically not factors for employees during warmer weather – specifically, slip and fall concerns. With snow and ice covered conditions, you run the risk of taking major falls, which can lead to serious injuries. Prevention Education is essential in preventing winter weather-related injuries.… Risk Management, Safety 2011-11-22T14:00:45-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employer_responsibilities_in_winter_weather/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employer_responsibilities_in_winter_weather/#When:13:45:26Z Snow days were a highlight of winter when many of us were children, but now winter weather presents a host of difficulties for employers. There are safety concerns, OSHA regulations to comply with, potential liability risks, attendance confusion and pay-related issues to address. It’s important to be prepared for all… Employer Education, Risk Management 2011-11-17T10:45:26-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/winter_safety_driving/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/winter_safety_driving/#When:18:42:50Z Losing control of a car is undoubtedly one of the most terrifying experiences that anyone can go through. Unfortunately, it is common when the temperatures turn cold and the roads get slick. One of the most dangerous winter driving hazards is skidding, which at high speeds, could result in a… Employee Communication, Risk Management, Safety 2011-11-16T15:42:50-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protect_your_business_and_employees_from_seasonal_flu/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protect_your_business_and_employees_from_seasonal_flu/#When:17:41:39Z Each year, seasonal influenza has a marked impact on businesses and employers. Seasonal flu can cause increased absenteeism, decreased productivity and higher health care costs. As an employer, you are well-positioned to help keep your employees healthy and minimize the impact that influenza has on your business. The Centers for… Employee Communication, Wellness 2011-11-04T14:41:39-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/seasonal_flu_vaccine_common_myths_exposed/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/seasonal_flu_vaccine_common_myths_exposed/#When:17:27:42Z The Centers for Disease Control and Prevention (CDC) recommends that everyone over the age of 6 months get a flu shot each year. Still, many people refrain because they wrongly believe one or more of the following myths. Myth: The flu isn’t so bad. Fact: The flu can lead to… Employee Communication, Wellness 2011-11-04T14:27:42-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protect_yourself_during_flu_season/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protect_yourself_during_flu_season/#When:14:30:41Z During flu season, influenza is a serious concern in the workplace. You work closely and come in direct contact with others frequently, which means germs and bacteria can spread easily from person to person. The best strategy for reducing your risk of becoming ill with a virus is to avoid… Employee Communication, Wellness 2011-11-04T11:30:41-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/commercial_property_snow_and_ice_removal_checklist/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/commercial_property_snow_and_ice_removal_checklist/#When:14:25:19Z Owners and managers of commercial property have an obligation to maintain safe conditions for employees and occupants. During the winter season, walkways, stairs, driveways, interior roadways and parking lots become slipping and tripping hazards as snow falls and ice forms. This is not only a safety hazard, it can also… Risk Management 2011-11-04T11:25:19-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/data_security_through_employee_education/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/data_security_through_employee_education/#When:16:38:16Z Data security is of the utmost importance in the technology sector. A data breach can expose your company’s and your clients’ highly confidential information. The results can include professional liability claims, the loss of your customers' trust and negative impact on your reputation and bottom line. One of the first… Employer Education, Risk Management 2011-10-06T13:38:16-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_risks_of_portable_data_drives_in_the_hands_of_employees/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_risks_of_portable_data_drives_in_the_hands_of_employees/#When:16:24:22Z Portable data drives have become a popular way to save, store and share data because they are small and very convenient. They are available at most retailers and smaller ones, like USB thumb drives, are often given away as promotional items by many companies. However, with their increasing popularity, highly… Employer Education, Risk Management 2011-10-06T13:24:22-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protecting_against_internet_exposures/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protecting_against_internet_exposures/#When:16:13:59Z By their nature, computers are vulnerable machines. Access to the Internet and networks connects computers and people to increased information, as well as increased risks. Each day, new threats to computer systems emerge. Reminders for Better Security Don’t download unauthorized programs or files onto your computer. Malware of all kinds… Employee Communication, Risk Management 2011-10-06T13:13:59-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/final_nlra_notice_requirements_issued/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/final_nlra_notice_requirements_issued/#When:13:02:43Z EXECUTIVE SUMMARY The National Labor Relations Board (NLRB) has issued a Final Rule requiring most private-sector employers – including those without a union in the workplace - to notify employees of their rights under the National Labor Relations Act (NLRA) by posting a notice. The rule was published in… Employer Education, Human Resources, Legislative News 2011-10-06T10:02:43-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/maximizing_open_enrollment_for_employees/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/maximizing_open_enrollment_for_employees/#When:11:46:00Z Open enrollment can be an overwhelming time for both employers and employees. Employees are given the opportunity to re-evaluate their current benefits and make changes for the coming year, while employers must choose a benefits package that balances cost and value, and facilitate the enrollment process. Due to a variety… Employer Education, Human Resources 2011-09-12T07:00:00-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/cyber_liability_insurance/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/cyber_liability_insurance/#When:11:34:57Z As technology becomes increasingly important for successful business operations, the value of a strong Cyber Liability Insurance policy will only continue to grow. The continued rise in the amount of information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. In an… Employer Education, Property & Casualty Insurance 2011-09-12T08:34:57-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_preventive_care_guidelines_for_women/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_preventive_care_guidelines_for_women/#When:09:30:51Z The Patient Protection and Affordable Care Act (PPACA) requires non-grandfathered health plans to cover preventive health services without imposing cost-sharing requirements for the services. PPACA’s preventive care mandate is generally effective for plan years beginning on or after Sept. 23, 2010. On Aug. 1, 2011, the Department of Health and… Employer Education, Health Insurance, Heath Care Reform, Legislative News 2011-09-12T06:30:51-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/business_contingency_planning_workshop/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/business_contingency_planning_workshop/#When:17:00:52Z Most businesses still have not adequately addressed their Business Contingency Planning needs.  The financial and healthcare industries have under Federal order, but most privately held businesses still “plan to plan” when and if a business interruption occurs.  The statistics are clear – 43% of businesses experiencing a major interruption never… Risk Management 2011-09-12T14:00:52-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/are_you_covered_in_case_of_a_business_interruption/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/are_you_covered_in_case_of_a_business_interruption/#When:16:58:13Z If a fire causes your facility to be temporarily unusable, what would you do next? Ideally, you would move to a temporary location while your permanent place of business is being repaired. Yet, traditional Property Insurance does not cover this move or a loss of income when a business must… Employer Education, Property & Casualty Insurance 2011-07-19T11:00:13-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/workplace_wellness_wellness_initiatives_to_promote_healthy_weight/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/workplace_wellness_wellness_initiatives_to_promote_healthy_weight/#When:16:03:29Z Achieving and maintaining a healthy weight is one of the best ways an individual can strive toward good overall health and avoid preventable medical problems. Help your employees with their weight loss goal with these activities and incentives. Activities and Programs Exercise class – There is… Wellness 2011-07-19T13:03:29-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/frequency_severity_and_your_commercial_auto_insurance_premiums/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/frequency_severity_and_your_commercial_auto_insurance_premiums/#When:16:00:06Z Auto insurance rates are based on several factors: frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type and deductibles. This means that while your company’s inherent level of risk is a factor that impacts the premium you will pay… Employer Education, Risk Management 2011-07-19T13:00:06-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/disaster_planning_hrs_role/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/disaster_planning_hrs_role/#When:11:28:21Z Based on events of the last decade, including terror attacks, hurricanes and the BP Deepwater Horizon oil spill, it is clear that businesses must be prepared for catastrophes. The best way to prepare is with a business contingency plan. In addition to the major disasters, disaster planning is also useful for… Human Resources, Risk Management 2011-06-24T08:28:21-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/communicating_benefit_cuts_to_employees1/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/communicating_benefit_cuts_to_employees1/#When:11:07:44Z With salary cuts, shortened workweeks, halting 401(k) matches and layoffs becoming commonplace in many organizations today, employees are well aware of the continued economic downturn. As an employer, it is important to use caution when communicating benefits cuts to employees. Communicating changes that ultimately mean less money in employees’ pockets… Employee Communication 2011-06-26T08:07:44-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/creating_a_workers_compensation_process/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/creating_a_workers_compensation_process/#When:11:19:18Z For the unprepared, workers’ compensation (WC) issues can be both confusing and costly. Fortunately for employers, there are ways to actively engage WC issues to influence their outcomes. Through management controls and active involvement in the WC process, your organization can effectively influence related costs. To do so you will… Workers’ Compensation 2011-06-25T08:19:18-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/firework_safety/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/firework_safety/#When:14:11:34Z Fireworks are a staple of many Fourth of July and other celebrations, but it is important that you take precautions to ensure your special event is safe and free of accidents. The risks Unfortunately, many people do not realize just how dangerous fireworks and sparklers can be – which is… Employee Communication 2011-06-07T11:11:34-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/irs_increases_health_savings_account_limits/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/irs_increases_health_savings_account_limits/#When:14:06:10Z On May 17, 2011, the Internal Revenue Service (IRS) released IRS Notice 2011-32, which makes changes to Health Savings Accounts (HSAs) effective for calendar year 2012. The notice makes changes to: Annual contribution limitations for single and family coverage; and Maximum out-of-pocket employee expense for single and… HSAs / HRAs 2011-06-07T11:06:10-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protect_your_property_with_ordinance_and_law_coverage/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/protect_your_property_with_ordinance_and_law_coverage/#When:13:41:31Z Do you own an older building or is your building subject to significant building code changes, if it needed to be rebuilt? If so, then you may need Building Ordinance and Law coverage. Most insurance policies are written to allow a building owner to rebuild to the condition it was… Property & Casualty Insurance 2011-06-07T10:41:31-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/my_plate_replaces_the_food_pyramid/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/my_plate_replaces_the_food_pyramid/#When:13:35:13Z On June 2, 2011, the U.S. Department of Agriculture (USDA) released MyPlate, a new symbol for healthy eating that replaces the traditional food pyramid. The new plate was designed to provide a simple visual reminder to help consumers make healthy food choices. Also, general recommendations for healthier eating were released,… Wellness 2011-06-07T10:30:13-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/2011_met_life_annual_study_of_employee_benefits_trends/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/2011_met_life_annual_study_of_employee_benefits_trends/#When:11:10:22Z Horst Insurance is pleased to provide you with a copy of the 2011 MetLife Annual Study of Employee Benefits Trends.  This study helps employers compare and benchmark trends in their own health insurance plans.  From alarming trends in employee loyalty, to consistency in rising claims costs, the MetLife study covers… Survey Results 2011-05-11T08:10:22-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_distraction_of_personal_electronic_devices/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_distraction_of_personal_electronic_devices/#When:19:07:50Z To prevent the dangers associated with distracted driving, more and more states have passed laws banning the use of cellphones while behind the wheel. The need for such laws is a good example of the common and dangerous side effect of personal electronic devices. Our workplace safety is built on… Risk Management 2011-05-11T06:10:50-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/when_is_a_workers_compensation_claim_compensable/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/when_is_a_workers_compensation_claim_compensable/#When:18:59:26Z Carefully evaluating workers’ compensation claims is crucial in helping your company save money and prevent fraud. Workers’ compensation is simply a form of insurance that offers employees medical coverage in the event they are injured during a work-related function. Depending on the state of residence, it may also give compensation… Workers’ Compensation 2011-05-10T16:10:26-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/heat-related_illnesses/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/heat-related_illnesses/#When:18:49:47Z Overview Heat and humidity can cause several different types of heat-related illnesses such as heat cramps, heat exhaustion and heat stroke. Knowing the signs and symptoms of each type of heat-related situation will help to keep you safe – at home and on the job. Normally, the body has ways… Wellness 2011-05-10T15:49:47-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/eliminate_electronic_distractions_from_the_workplace/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/eliminate_electronic_distractions_from_the_workplace/#When:18:43:49Z It is a generally accepted fact that the use of cellphones and other electronic devices while driving present a distraction that greatly increases the chance for an accident. Unfortunately, what too many people fail to take into consideration is how distracting these devices can be in other situations. In an… Risk Management 2011-05-11T07:10:49-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/unpaid_internships_complying_with_the_dol/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/unpaid_internships_complying_with_the_dol/#When:15:37:00Z Unpaid internships are popular across the country, providing benefits for companies and needed experience for college students or recent graduates. However, due to guidelines released by the Department of Labor (DOL) in April 2010, many of those internships are not compliant with federal law. A common misconception exists that if… Employer Education 2011-03-11T11:35:00-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/worker_classification/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/worker_classification/#When:15:26:27Z The relationship between the employer and the worker is not always straightforward, but despite the possible discrepancies, it is extremely important to properly classify your workers. The tax implications vary depending on the type of worker, and the penalties for misclassifying a worker can be huge. Types of Workers … Employer Education 2011-03-11T11:30:27-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/osha_small_business_handbook/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/osha_small_business_handbook/#When:15:21:51Z Employers are responsible for providing a safe and healthful workplace for their employees.  This handbook is provided to owners, proprietors and managers of small businesses by the Occupational Safety and Health Administration (OSHA), an agency of the U.S. Department of Labor. OSHA 2011-03-11T10:21:51-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/understanding_voluntary_benefits/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/understanding_voluntary_benefits/#When:15:08:15Z You know the importance of having health care coverage and a 401(k), but are you taking advantage of all the benefits Horst Insurance offers? Voluntary benefits are additional benefit options offered through the company. Unlike traditional benefits like health coverage, employees are responsible for paying most or all of the cost of… Voluntary Benefits 2011-03-11T10:08:15-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/preventing_e-commerce_fraud/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/preventing_e-commerce_fraud/#When:17:19:59Z Conducting business online presents countless opportunities to enhance customer relationships, attract new business and increase revenue. However, without the security of a physical credit card and signature verification, cyber thieves have an advantage and opportunities for fraud. It is up to the e-commerce merchant to apply the right tools and… Risk Management 2011-02-16T14:19:59-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/will_congress_repeal_health_care_reform/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/will_congress_repeal_health_care_reform/#When:17:18:42Z On March 23, 2010, President Obama signed historic health care reform legislation – the Patient Protection and Affordable Care Act (PPACA) – into law. Even before its enactment, controversy surrounded the health care reform law. The law continues to be at the center of partisan debate, especially with the recent… Heath Care Reform 2011-02-16T14:18:42-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/use_tax_benefit_to_save_more/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/use_tax_benefit_to_save_more/#When:17:15:45Z Thanks to the new tax law, 2011 can be an excellent year for your employees to increase their retirement savings.  The link below takes you to a “Know Your Employee Benefits” flyer that describes the impact that certain reduced taxes will have on employee paychecks for 2011.  It goes on… Employee Communication 2011-02-16T14:15:45-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/2010_insurance_coverages_survey_results/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/2010_insurance_coverages_survey_results/#When:16:30:13Z Often there is no right or wrong answer to the question “how much insurance should I buy?”  To help you with this decision Horst Insurance clients participate annually in an “Insurance Coverages Survey."  This survey summary recaps P&C insurance coverage trends, including General Liability, Property, Professional Liability (Errors & Omissions),… Survey Results 2011-02-16T13:30:13-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_insurance_deductibles_continue_to_climb/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_insurance_deductibles_continue_to_climb/#When:17:36:05Z It should come as no surprise that rising health care costs have forced businesses to increase deductibles annually.  The linked graph illustrates the average PPO deductible for single, in network coverage from 2000 to 2010.  This graph will help you to benchmark your health care deductible to other deductibles across the United… Health Insurance 2011-01-26T14:36:05-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/vision_insurance/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/vision_insurance/#When:17:29:48Z Routine eye exams can uncover serious health concerns, many of which are costly to manage and detrimental to one’s health. But many employees are reluctant to undergo routine vision checkups simply due to the cost. To encourage your employees to have regular eye exams, consider offering vision insurance as part… Voluntary Benefits 2011-01-26T14:29:48-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/required_osha_programs_and_training_-_general_industry/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/required_osha_programs_and_training_-_general_industry/#When:17:24:24Z The linked chart summarizes major Occupational Safety and Health Administration (OSHA) program requirements for general industry. Listed alphabetically by topic, the chart includes the OSHA standard reference, as well as program, audit and training requirements. OSHA 2011-01-26T14:24:24-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/four_components_of_effective_risk_management/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/four_components_of_effective_risk_management/#When:17:04:02Z Risk Management is the identification, assessment and prioritization of risks and the subsequent coordinated and economical application of resources to minimize, monitor and control the probability and impact of losses. Effective risk management activities create value and should be an integral part of the decision-making process. How does risk management impact… Risk Management 2011-01-26T14:04:02-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/bridge_your_auto_policy_gap_with_drive_other_car_coverage/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/bridge_your_auto_policy_gap_with_drive_other_car_coverage/#When:16:26:07Z Do you provide company vehicles to your employees? If so, do these employees have their own personal automobile policy? If not, a potential gap in coverage may exist. To adequately cover your risk, a drive-other-car endorsement is specifically intended to bridge this gap. Drive-Other-Car Coverage Basics If you have… Loss Control 2011-01-26T13:26:07-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/when_the_weather_is_bad_what_are_your_employer_responsibilities/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/when_the_weather_is_bad_what_are_your_employer_responsibilities/#When:18:31:44Z Snow days were a highlight of winter when many of us were children, but now winter weather presents a host of difficulties for employers. There are safety concerns, OSHA regulations to comply with, potential liability risks, attendance confusion and pay-related issues to address. It’s important to be prepared for all… Human Resources 2010-12-22T15:31:44-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/w-2_and_1099_forms/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/w-2_and_1099_forms/#When:18:27:31Z As an employer, properly administering and submitting tax forms are one of the most important parts of the job, but can also be quite complex to navigate. The employer is responsible for keeping accurate information throughout the year, as well as submitting the proper forms to their employees and the… Human Resources 2010-12-22T15:27:31-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/select_employee_benefit_compliance_timelines_regarding_disclosure_notices/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/select_employee_benefit_compliance_timelines_regarding_disclosure_notices/#When:18:06:38Z The following chart is an overview of some basic reporting and disclosure requirements that apply to group health plans and/or employers. Note that not all reporting and disclosure requirements are reflected in this chart. Users of this chart should refer to the specific federal law at issue for complete information… Human Resources 2010-12-22T15:06:38-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/osha_log_summary_reminder_-_february_1st_deadline/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/osha_log_summary_reminder_-_february_1st_deadline/#When:18:00:08Z It’s that time of year: Feb. 1 marks the deadline for you to tabulate your annual OSHA Log Summary (OSHA Form 300A) and post it in a common area wherever notices to employees are usually posted. The summary must list the total number of job-related injuries and illnesses that occurred… OSHA 2010-12-22T15:00:08-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/300_osha_recordability_flowchart/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/300_osha_recordability_flowchart/#When:17:49:35Z Use this flowchart to ensure that you are only entering "recordable" injuries on your OSHA 300 log.  This is especially important as you tally your logs for the February 1st posting deadline. OSHA 2010-12-22T13:00:35-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/flexible_spending_account_eligible_expenses/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/flexible_spending_account_eligible_expenses/#When:18:21:15Z Your Health Care Reimbursement Flexible Spending Account lets you pay for medical care expenses not covered by your insurance plan with pre-tax dollars. The expenses must be primarily to alleviate a physical or mental defect or illness, and be adequately substantiated by a medical practitioner. The products and services listed… HSAs / HRAs 2010-11-22T15:34:15-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/holiday_safety_in_the_workplace/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/holiday_safety_in_the_workplace/#When:18:12:53Z It’s the holiday season – a time for decorations and festivities to celebrate the season. While we welcome your displays of holiday spirit, it is important to keep safety in mind. Here are some holiday safety guidelines to follow to ensure we all celebrate the season safely. Holiday Decorations … Risk Management 2010-11-22T15:12:53-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/limiting_social-host_liquor_liability/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/limiting_social-host_liquor_liability/#When:17:30:11Z If a bartender is legally liable for serving alcohol to a patron who becomes intoxicated and then injures a third party, is the exposure the same for a business if they host a social event where alcohol is served, such as an open house or employee picnic? According to the… Risk Management 2010-11-22T14:30:11-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/avoiding_animal-vehicle_collisions/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/avoiding_animal-vehicle_collisions/#When:17:21:49Z Staying safe during your commute can be a challenge, especially when it involves an unexpected deer or other animal running across the road. The Centers for Disease Control and Prevention estimates that nearly one-quarter of all animal and vehicle crashes result in some form of bodily injury or vehicle damage.… Employee Communication 2010-11-22T14:21:49-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/annual_open_enrollment_checklist/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/annual_open_enrollment_checklist/#When:12:47:52Z Open enrollment can be an extremely positive and rewarding experience for you and your employees. Consider the following suggestions to help you prepare for a successful open enrollment period this year. Pre-Enrollment Period Plan ahead: Be ready to answer employee questions regarding the health care reform… Human Resources 2010-11-03T09:47:52-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/perspectives_providing_insight_into_todays_employee_benefits_issues/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/perspectives_providing_insight_into_todays_employee_benefits_issues/#When:12:31:15Z Health Care costs and consequently employee health benefits costs, have been increasing at an alarming rate for nearly a decade.  Though cost increases had seemed to be leveling out based on 2009 data, cost increases actually jumped in 2010 and are expected to rise further in 2011. Avoiding rising health… Survey Results 2010-11-03T09:31:15-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/understanding_additional_insured_coverage/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/understanding_additional_insured_coverage/#When:12:27:18Z Adding an additional insured (AI) endorsement to a Commercial General Liability (CGL), Umbrella/Excess, Automobile, Property or Workers’ Compensation insurance policy is a useful negotiation tool and a common element in many contracts and leases. However, this endorsement is subject to frequent misunderstandings, litigation and disagreements. Some versions of the coverage… Property & Casualty Insurance 2010-11-03T09:27:18-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/regulatory_update_final_dot_texting_ban_for_commercial_truck_drivers/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/regulatory_update_final_dot_texting_ban_for_commercial_truck_drivers/#When:12:11:35Z EXECUTIVE SUMMARY Distracted driving has become a major target of the U.S. Department of Transportation. In 2009, nearly 5,500 people died and half a million were injured in crashes involving a distracted driver. According to the National Highway Traffic Safety Administration, distraction-related fatalities represented 16 percent of all… Legislative News 2010-11-03T09:11:35-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/workers_compensation_and_health_care_reform/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/workers_compensation_and_health_care_reform/#When:12:36:11Z In the wake of sweeping changes in the U.S. health care system, employers are forced to evaluate the way reform will affect their bottom lines. One factor that was largely left out of the focus of health care reform - but is certainly linked to it - is workers’ compensation.… Heath Care Reform, Workers’ Compensation 2010-09-29T09:36:11-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/open_enrollment_glossary_of_terms/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/open_enrollment_glossary_of_terms/#When:12:00:35Z Open enrollment is the time of year reserved for you to make changes to your benefit elections. Unfamiliar terms can make this process confusing. To help you navigate your benefits options, check out these definitions of common open enrollment terms. Coinsurance – The amount or percentage that you… Employer Education 2010-09-29T09:00:35-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/will_employers_pay_a_penalty/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/will_employers_pay_a_penalty/#When:11:54:28Z One provision of the health care reform legislation requires that certain employers offer health care coverage to their employees or pay a penalty. This chart summarizes which employers will be required to pay a penalty when this provision goes into effect in 2014. Heath Care Reform 2010-09-29T08:54:28-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/consequences_of_nlra_posting_requirements/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/consequences_of_nlra_posting_requirements/#When:11:31:44Z As a result of a Department of Labor final rule implementing Executive Order 13496, all federal contractors and subcontractors are required to post a notice informing employees of their rights under the National Labor Relations Act (NLRA), including their right to form and join labor unions. Who is Affected? All… Risk Management 2010-09-29T08:31:44-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/equipment_breakdown_insurance_why_its_important_to_you_and_your_business/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/equipment_breakdown_insurance_why_its_important_to_you_and_your_business/#When:11:08:24Z Because your business depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and fragile, and can easily sustain damage that causes breakdowns. And the losses sustained continue to increase with… Employer Education, Property & Casualty Insurance 2010-09-29T08:08:24-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/immediate_change_to_the_acord_25_certificate_of_insurance/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/immediate_change_to_the_acord_25_certificate_of_insurance/#When:16:46:30Z The ACORD 25 Certificate of Insurance has undergone a major change.  Beginning immediately, it is mandatory to use the updated version of the ACORD 25 Certificate.  In particular, the updated certificate alters the previous cancellation provision into a more generic form.  Cancellation provisions that once allowed modification for items such… Employer Education, Property & Casualty Insurance 2010-08-30T13:46:30-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/taking_risks_with_risk_highlights_from_the_chubb_2010_private_company_risk_/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/taking_risks_with_risk_highlights_from_the_chubb_2010_private_company_risk_/#When:16:04:56Z Are companies cutting back on insurance protection in order to reduce costs during a difficult economic climate?  Even when it means assuming more risk? For many privately owned companies, the answer appears to be yes. According to the Chubb 2010 Private Risk Survey: Overall, the percentage of private… Survey Results 2010-08-30T13:04:56-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/osha_severe_violator_enforcement_program/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/osha_severe_violator_enforcement_program/#When:12:01:44Z In June 2010, the Occupational Safety and Health Administration (OSHA) launched a new Severe Violator Enforcement Program (SVEP), which targets employers that demonstrate indifference or disregard for OSH Act provisions. SVEP is OSHA-wide, including states with a federally approved OSHA plan, and will replace the old Enhanced Enforcement Program (EEP).… OSHA 2010-08-02T09:01:44-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_abcs_of_indemnity_agreements_and_additional_insured_endorsements/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/the_abcs_of_indemnity_agreements_and_additional_insured_endorsements/#When:11:34:26Z Understanding your business’s risk exposures is the cornerstone to managing them. Whether your business relies on outside vendors to provide goods and services, or you’re a provider of goods and services to your clients, you should be aware of how to take contractual precautions to protect your business against potential… Employer Education, Property & Casualty Insurance 2010-08-02T08:34:26-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employee_benefit_trends/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employee_benefit_trends/#When:11:08:18Z In the still fragile economy, employers are looking for ways to capitalize on their benefits programs, and improve employee productivity, health and wellness – all while controlling costs. Programs that help address these issues can be very strategic tools for employers. But better understanding these specific needs starts with addressing… Survey Results 2010-08-02T08:08:18-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_plans_survey_results_2010/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_plans_survey_results_2010/#When:10:59:48Z While consumer-driven health plans continue to be of interest to employers, overall health plan design is a critical piece in the puzzle. How are employers positioning their plan design offerings? Take a look at this year’s survey results to determine how you fare. This… Survey Results 2010-08-02T07:59:48-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_regulations_issued_on_grandfathered_plans/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_regulations_issued_on_grandfathered_plans/#When:17:05:27Z EXECUTIVE SUMMARY The health care reform law passed earlier this year brings many changes to employers and health plans. The extent of the impact will depend, in part, on whether you maintained a health care plan on March 23, 2010, the date the primary legislation was enacted. If… Heath Care Reform 2010-06-23T14:05:27-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/15_warning_signs_of_workers_compensation_fraud/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/15_warning_signs_of_workers_compensation_fraud/#When:16:48:02Z The WC (workers' compensation) insurance system is a no-fault method of paying workers for medical expenses and wage losses due to on-the-job injuries. While the majority of WC claims are truthful, the National Insurance Crime Bureau reports that billions of dollars of false claims are submitted each year. To help… Workers’ Compensation 2010-06-23T13:48:02-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employee_or_independent_contractor/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employee_or_independent_contractor/#When:16:29:03Z Hiring an independent contractor offers employers many advantages. Unlike a traditional employee, an employer does not pay an independent contractor a wage or salary, federal and state payroll taxes on his/her earnings, social security tax, federal unemployment insurance tax, state unemployment insurance, workers’ compensation premiums, benefits or overtime. Employers do,… Employer Education 2010-06-23T13:29:03-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/state_guide_to_workplace_safety_regulations/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/state_guide_to_workplace_safety_regulations/#When:16:23:09Z This manual reviews some of the most fundamental workplace safety regulations specific to the state of Pennsylvania. Most employers follow federal Occupational Safety and Health Administration (OSHA) guidelines on this matter, and because Pennsylvania does not have its own state-run plan, employers in this state must adhere to all federal… Safety 2010-06-23T13:23:09-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/summer_safety_dehydration/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/summer_safety_dehydration/#When:14:12:06Z In the simplest terms, dehydration occurs when you lose more water than you take in.  Staying hydrated is important to keep all your body functions running smoothly. If you work outdoors or in a temperature-sensitive environment, you’ll want to take extra precautions as summer heats up. Water Loss On average,… Safety, Wellness 2010-05-27T11:12:06-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/bites_and_stings/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/bites_and_stings/#When:13:48:48Z If you are an outdoor worker, chances are protecting your skin is not one of your top safety priorities; it is an often-neglected safety concern. Depending on your exact project or geographic location, you may be at a higher risk for injury or illness associated with bites and stings from… Safety, Wellness 2010-05-27T10:48:48-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/west_nile_virus_and_you/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/west_nile_virus_and_you/#When:13:43:47Z West Nile virus (WNV) is a disease transmitted to humans through mosquito bites. First discovered in Africa in 1937, it wasn’t until 1999 that WNV reached the United States. While less than one percent of those infected become seriously ill, this Q&A will help you learn about the disease and… Safety, Wellness 2010-05-27T10:43:47-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/get_the_facts_about_lyme_disease/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/get_the_facts_about_lyme_disease/#When:13:39:38Z Construction workers, landscapers, forestry employees, brush cleaners, land surveyors, farming workers, railroad employees, oil field workers, utility line employees and parks and wildlife management individuals may be at risk of contracting Lyme disease. Ticks carrying the disease are most prevalent in Northeast portions of the United States, some areas around… Safety, Wellness 2010-05-27T10:39:38-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/poison_ivy_oak_and_sumac/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/poison_ivy_oak_and_sumac/#When:12:33:55Z Poison ivy, oak and sumac are the most common causes of contact dermatitis, or skin rash, in the United States. These plants – most often found in areas such as woods, beaches, and rivers – do not only cause some fairly itchy discomfort, but can also cause severe allergic reactions… Safety, Wellness 2010-05-27T09:33:55-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/congress_passes_landmark_health_care_reform_bill/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/congress_passes_landmark_health_care_reform_bill/#When:14:15:44Z On March 21, 2010, the U.S. House of Representatives passed major health care reform legislation, the Patient Protection and Affordable Care Act. The legislation was previously passed by the U.S. Senate in December 2009 and was signed into law by President Obama on March 23, 2010. In addition to the… Heath Care Reform 2010-05-05T11:15:44-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_grandfathered_plans/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_grandfathered_plans/#When:13:59:02Z EXECUTIVE SUMMARY In March 2010, President Obama signed sweeping health care legislation into law. The health care reform law contains many provisions that will affect your business and your employees. The extent of the impact will depend, in part, on whether you maintained a health care plan on… Heath Care Reform 2010-05-05T10:59:02-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_extension_of_dependent_coverage/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_extension_of_dependent_coverage/#When:13:54:45Z On March 23, 2010, President Obama signed into law the health care reform bill, the Patient Protection and Affordable Care Act. This legislation, along with the Health Care and Education Reconciliation Act of 2010, makes sweeping changes to the U.S. health care system, including an extension of health insurance coverage… Heath Care Reform 2010-05-05T10:54:45-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/irs_issues_guidance_on_tax-free_coverage_for_children_under_age_27/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/irs_issues_guidance_on_tax-free_coverage_for_children_under_age_27/#When:18:17:09Z IRS Issues Notice 2010-38 As a result of changes made by the recently enacted Affordable Care Act, health coverage provided for an employee's children under 27 years of age is now generally tax-free to the employee, effective March 30, 2010. The Internal Revenue Service announced on April 27, 2010 that… Heath Care Reform 2010-05-03T15:17:09-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_and_cobra_frequently_asked_questions/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_and_cobra_frequently_asked_questions/#When:18:07:55Z In 2010, health care reform became a reality with the passage of the Patient Protection and Affordable Care Act and the Health Care and Education Reconciliation Act of 2010. The U.S. Department of Labor has issued Frequently Asked Questions on how the health care reform law affects COBRA and the… Heath Care Reform 2010-05-03T15:07:55-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/small_business_health_care_tax_credit_questions_answers_qa/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/small_business_health_care_tax_credit_questions_answers_qa/#When:17:44:06Z The Patient Protection and Affordable Care Act was signed into law by President Obama on March 23, 2010. This bill and the Health Care and Education Reconciliation Act of 2010, which was signed into law on March 30, 2010, form the new Health Care Reform Law. The Health Care Reform… Heath Care Reform 2010-05-03T14:44:06-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_timeline/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/health_care_reform_timeline/#When:11:52:55Z On March 23, 2010, President Obama signed into law the health care reform bill, the Patient Protection and Affordable Care Act. This legislation, along with the Health Care and Education Reconciliation Act of 2010, makes sweeping changes to the U.S. health care system. These changes will be implemented over the… Heath Care Reform 2010-04-05T08:52:55-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employing_teens_heres_what_the_fed_requires/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/employing_teens_heres_what_the_fed_requires/#When:11:35:29Z Each year, millions of teenagers take on part-time or summertime jobs. Early work experiences can be very rewarding, while at the same time provide teens with great opportunities to learn important work skills. If you’re employing teens, the Department of Labor oversees the Fair Labor Standards Act's (FLSA) child labor… Employer Education, Human Resources 2010-04-05T08:35:29-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/abbreviated_osha_inspections_of_construction_sites/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/abbreviated_osha_inspections_of_construction_sites/#When:11:10:56Z Did you know that an effective Safety and Health program can actually lead to abbreviated OSHA inspections of your construction site(s)?  Through the OSHA "Focused Inspection" program eligible construction sites can be relieved from the typical "Comprehensive Inspection" OSHA typically performs.  If during the inspection opening conference the inspector is… OSHA 2010-04-05T08:10:56-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/are_your_employees_appropriately_reporting_workplace_injuries/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/are_your_employees_appropriately_reporting_workplace_injuries/#When:17:30:01Z According to a report by the U.S. House of Representatives’ Committee on Education and Labor,  a staggering 69 percent of all workplace injuries and illnesses may not be represented in the Bureau of Labor and Statistics Survey of Occupational Injuries and Illnesses (SOII), which many trust as a gauge of… Workers’ Compensation 2010-04-01T14:30:01-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/benefits_of_an_hr_audit/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/benefits_of_an_hr_audit/#When:14:45:35Z What is an HR Audit? An HR audit is an objective, systematic review of a company’s HR policies, procedures, strategic direction, structure, resources, and ultimately, its contribution to the organization. Such an audit offers the opportunity to protect the company, establish best practices and identify areas for improvement, and can… Human Resources 2010-02-25T11:45:35-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/balancing_the_benefits_and_risks_of_social_networking/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/balancing_the_benefits_and_risks_of_social_networking/#When:14:35:07Z The idea of social networking evokes feelings of both fear and excitement in the minds of employers, and it should; this new phenomenon has the potential to change the way companies across the globe do business. It can not only help your company connect with its clients, but it is… Risk Management 2010-02-25T11:35:07-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/pa_work_comp_update_chart/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/pa_work_comp_update_chart/#When:14:30:26Z It is important that employers remain up to date on current workers' compensation rules and benefits.  Annually Horst Insurance prepares an overview of the primary workers' compensation state statutes for each state and distributes those accordingly.  The latest overview for Pennsylvania is now available.  Below is a link to view… Workers’ Compensation 2010-02-25T11:30:26-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/regulatory_update_ban_on_texting_for_commercial_drivers/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/regulatory_update_ban_on_texting_for_commercial_drivers/#When:14:00:30Z On January 26, 2010, U.S. Transportation Secretary Ray LaHood announced federal guidance to expressly prohibit texting by drivers of commercial vehicles such as large trucks and buses. -    The prohibition is effective immediately. -    The ban applies to all interstate drivers of commercial motor vehicles. -    Truck and bus drivers… Legislative News 2010-02-25T11:00:30-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/now_is_not_the_time_to_drop_or_lower_your_coverages/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/now_is_not_the_time_to_drop_or_lower_your_coverages/#When:15:14:21Z The economy is still recovering from the recent recession, and employers continue to experience budget pressures. The first reaction is always to cut back and this can be a wise decision. But one area that should never be impacted by the budget is insurance coverage. In fact, when budgets are… Property & Casualty Insurance 2010-02-03T09:30:21-05:00 http://www.horstinsurancelibrary.com/index.php/commercial_insurance/job_loss_cobra_poster/ http://www.horstinsurancelibrary.com/index.php/commercial_insurance/job_loss_cobra_poster/#When:15:05:30Z Questions regarding COBRA benefits are on the rise.  With layoffs and terminations at an all-time high, your employees need to know their options under COBRA.  Add in a healthy dose of confusion about the Federal Governments 65% subsidy and premium payment extensions, and you have the makings of a very… Human Resources 2010-02-03T09:00:30-05:00