I received a call recently from the owner of a roofing company who had been referred to me by another one of my current clients. The roofing company planned to rent a new building and requested a “quote.” You should know that the Van Beurden approach does not focus only on
Governor Gavin Newsom has signed Senate Bill 93 into law, requiring that some employers make written job offers to employees they laid off because of the pandemic. Once the offers are made, employees have five business days to respond and, if more than one employee responds, the employer must award the
Provisions of the new Federal law can increase complexity and place employers at greater risk. Are you ready for it? Read on … The American Rescue Plan results in some big changes to the Affordable Care Act (ACA). The new $1.9 trillion stimulus package supports healthcare affordability and increases marketplace access
Fast-rising costs have affected auto rates – and umbrella rates are facing similar trends. While many carriers respond by restricting coverage, I’ve found Safeco continues to offer a true umbrella product with useful coverages like Internet libel, personal defense and worldwide liability. COVID-19 may be driving a short-term decrease in miles driven,
After months of pandemic lockdowns, communities are reopening and businesses are finding we live in an entirely new world. Waivers – forms signed by customers entering your place of business – are becoming the new normal. From hair salons and recreation centers to stock exchanges and wedding photographers, the notices have sprung
As if California employers didn’t have enough to worry about, according to The ACA Times, employers may have another level of complexity coming their way in regards to “contract workers” and compliance with the Affordable Care Act. When California Assembly Bill 5 (AB5) becomes law this January, employers will be required
Ratings agencies like Fitch, Moody’s and S&P Global are expecting higher reinsurance renewal rates in 2020, caused by big insurance losses from hurricanes, wildfires and other natural disasters over the past two years. For several years we’ve grown used to rates falling due to competition and fewer natural disasters. Renewal rates
In early 2019, five employees met in the conference room of a manufacturer in Aurora, Illinois, and were shot to death by an employee they were about to terminate. Among the victims were the human resources director and a young HR intern at his first day on the job. This
Nearly every company relies on digital technology. That means nearly every company is facing the danger of unwanted individuals and entities messing around in your company’s digital data. To begin, the digital security of an organization can only be as strong as the basic judgment of its employees. It only takes
With the auto sector taking rate increases, what are business owners doing to minimize the increase to their bottom line? What procedures are they putting in place to minimize the rate increase? What does the future look like and how will auto rates impact future budgeting cost for business