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CalSavers Program Update: New Small Business Mandates for Employers
As a California Employer, you are familiar with the CalSavers Retirement Savings Trust Act passed in 2016. As of June 30, 2022, this state-run...
Evaluating the Risk & Cost Benefits of an OCIP vs CCIP
Regardless of the structure selected for your project, implementing a CIP is a unique way to manage a multitude of insurance challenges that arise on...
Considerations for New York’s New Insurance Disclosure Requirements
On December 31, 2021, New York enacted into law the most extensive liability insurance disclosure requirements in the country. Defendants in New York...
5 Simple Steps to Renewing Your Benefits Programs
Planning ahead is the best strategy you can use when it comes to your Employee Benefits Program. Typically, in a renewal cycle, there are three major...
What is a Risk Retention Group?
Due to the 1985 hard insurance market, Congress passed the Liability Risk Retention Act of 1986. The act allowed the authorization to purchase group...
Captive Insurance Programs
Recently, Alternative Risk Financing options are gaining more attention. Before discounting these options, take a look into Captives. Companies that...
California Workers’ Comp Premium Assessment Rates 2022 Updates
As a policyholder, you may recognize that there are some California Workers’ Compensation Premium Assessment Rate changes. In 2022, policyholders can...
Do I Need Excess Liability or Umbrella Liability?
Which coverage do I need – Excess Liability or Umbrella Liability? Both? Neither? Your construction company has all the necessary insurance coverage...
What You Need to Know About Self-Insurance Programs
When it comes to risk financing for Contractors, there are a variety of methods that can be used to fund “hazard” losses. From Large Deductible...