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VBI Blog

July 3, 2014 New Employment Laws That Will Immediately Affect You

By Guy Teafatiller

Signed by Gov. Brown on 6/28/14.  Here you go: http://www.leginfo.ca.gov/pub/13-14/bill/sen/sb_1351-1400/sb_1360_bill_20140620_enrolled.pdf http://www.leginfo.ca.gov/pub/13-14/bill/asm/ab_2751-2800/ab_2751_bill_20140624_enrolled.pdf I am regularly amazed that representatives from Los Angeles make policy that adversely affects businesses in the valley that they have no knowledge of. I just wish to inform you, I will save my opinion on these for another blog.

July 1, 2014 Membership & Occupation Related Discounts on Auto Insurance

By Andrea Romo

If you've held auto insurance for even a short time, you probably already know there are several factors that determine how much you'll pay in premium.  For instance, your age and driving experience have a big impact as well as the kind of car you own and how many miles

June 11, 2014 Health Care Reform – 3 Points that you have to address by 1/1/15

By Guy Teafatiller

Defining the “Seasonal Employee” under Health Care Reform There has been a lot of information and still a lot of misinformation concerning what is, and what isn’t a part-time or seasonal employee. Many business owners, and quite frankly many brokers and industry reps, are still mystified by the definition and scope

May 29, 2014 $36,500 per employee, per year, nondeductible!

By Brad Knerr

The IRS has threatened employers with ACA penalties of $100 per day, per employee, and non deductible or $36,500 per employee.  This makes those $2,000 and $3,000 penalties look diminutive. Employers who maintain a "non-integrated" employer payment plans would be subject to these penalties.   These would include HRAs, excluding retiree-only

May 19, 2014 Determining your Common Law Employees to Comply with the ACA

By Brad Knerr

Compliance with the Affordable Care Act just got a little more demanding for employers – determining which of your employees are full-time and which are not is now a major portion of the final Affordable Care Act regulations published February 2014 in the Federal Register. In order to determine whether an

May 16, 2014 May is National Bike Month!

By Andrea Romo

  It’s no secret that bicycling has been a favorite pastime ever since we can remember.  In recent years, however, bicycling has increased in popularity as not only a sport, but a means of transportation.  Here are just a few of the statistics: Bike sales have increased by 20% from 1992-2006¹ Bike commuting

May 12, 2014 Why Do “Good Students” Get Discounts?

By Judy Irons

Younger drivers often face paying higher car insurance premiums than more experienced drivers because they are more prone to accidents and, as such, statistically present a higher risk to their insurance companies. Fortunately, if you are a young driver (or the parent of a young driver), you do have options to

May 2, 2014 Notice to Employers: Time to Update and Revise Employee Handbooks

By Brad Knerr

Earlier this year, the agencies implementing the Affordable Care Act published a final rule that prohibits health plans and health insurers from applying any waiting period that exceeds 90 days (i.e., the waiting period that must pass before an individual is eligible to receive benefits under a health plan).  In California

April 30, 2014 It’s Raining Lawsuits: Do You Need An Umbrella Policy?

By Aniek Ramsay

  It's impossible to predict whether you might lose a lawsuit resulting from a car accident or an accident on your property. Nor is it possible to predict the amount that might be awarded to the winning party, an amount that you would be responsible for paying. To protect yourself against