When is the last time you used the words “cool” and “insurance” in the same sentence? If you can’t recall any in your recent memory, you’re not alone. But, let’s picture this: You’ve just been in a car accident. You take out your smartphone, open your carrier’s mobile app, start
There have been numerous veiled attempts to place workplace state compliance issues and labor law violations at the feet of the clients of Farm Labor Contractors. Various state legislators (usually from Los Angeles for some reason) have been chipping away at the protections provided farmers who decide to utilize farm labor
Content provided by our partners at Travelers Earthquakes are caused by a sudden release of energy in the Earth's crust, resulting in seismic waves. Earthquakes can happen almost anywhere, at any time, and can cause personal injury and/or property damage. Although California comes to mind when we think of earthquakes, other
Have you ever wondered, “What does my homeowners insurance policy actually cover?” When you purchased your policy, were you shopping for the correct coverage or were you comparing prices? In recent years, many people have shifted their focus to being budget-minded, which is understandable in today’s economy. However, it’s important to
We've all had those days: rushing around, trying to get errands done. You finally picked up the dry cleaning, and now you've got to get to the post office before it closes. So you go, pedal to the metal, thinking about what you need to get at the grocery store
The difference between hiring the right employees and hiring the wrong employees is usually the difference between a successful business and a failed business. At Van Beurden Insurance, we have developed a process to help you avoid the consequences of a bad hire – which happens more often than most of
In Workers' Comp. Permanent disability (PD) is any lasting disability from a work injury or illness that affects an employee’s ability to earn a living. If the injury or illness results in PD they are entitled to PD benefits, even if the employee able to go back to work. Who
One of the most important issues on the mind of business owners is the Affordable Care Act and its Employer Shared Responsibility provision. Due to the implementation timeline of the ACA and some of the delays to provisions like ESR, there is a lot of confusion among those in the
The ACA added two health coverage reporting requirements to the Internal Revenue Code. Both take effect for 2015, with the first reports due in early 2016: IRC § 6056 requires large employers (50 or more full-time employees including full-time equivalents) to file annual reports detailing the health coverage they offer to
On July 24, 2014, the IRS posted preliminary, unofficial drafts of forms that the ACA compels employers, plan administrators and employees to file, among other items, to certify coverages offered and provided to employees in 2015. They are Form 1094-B (“Transmittal of Health Coverage Information Returns”), Form 1094-C (“Transmittal of Employer-Provided Health Insurance Offer and Coverage Information Returns”), Form