Posts by Christopher Giannetti
Life Insurance Awareness Month
Life insurance may not be the most exciting topic, and it might feel like an unnecessary expense. However, if you have loved ones who rely on your financial support, life insurance is essential for their protection. In the event of your passing, your designated beneficiary would receive a financial benefit. To help you navigate the…
Read MoreOver 75% of Homes Damaged by Hurricane Debby May Lack Flood Insurance
More than three-quarters of the homes hardest hit by Hurricane Debby were located outside federal flood zones, meaning they weren’t required to carry flood insurance. Since standard homeowners insurance doesn’t cover flooding, uninsured damages from the storm could reach up to $12.6 billion, according to an analysis by the First Street Foundation. Hurricane Debby made…
Read MoreManaging Work-Life Balance During Return to School
Working parents are a critical part of the U.S. workforce. According to the job website Glassdoor, 2 in 5 workers have a child under the age of 18, and 1 in 9 have a child younger than 5 at home. For anyone with caregiving responsibilities, balancing them with work can be a real challenge with…
Read More5 Risks of Hiring an Uninsured Contractor
Project owners or general contractors must carefully vet contractors to ensure jobsite safety and financial security. A critical factor in this selection process is verifying that contractors carry adequate insurance. Hiring uninsured contractors can expose a project to significant risks, including safety hazards, liability issues and potential financial losses. The following are five risks associated…
Read MoreERISA Penalties: Employer Fined for Failing to Provide Mental Health Benefits Information
The U.S. District Court for the District of Montana recently awarded over $32,000 in penalties against an employer’s self-insured health plan and its third-party administrator (TPA) for failing to provide requested information to a plan participant. This case involved a dispute over mental health benefits and underscores the importance of promptly responding to participants’ information…
Read MoreHow to Read an Experience Modification Worksheet
What is an Experience Modification Worksheet? An experience modification worksheet, also known as an experience rating worksheet or experience mod worksheet, is essential for determining a company’s EMR. This worksheet helps employers and insurers evaluate and manage workplace safety, resulting in fair insurance premiums and safer work environments. Understanding the Experience Modification Rating (EMR) An…
Read MoreThe Value of D&O Insurance for Private Companies
Understanding the Importance of D&O Insurance for Private Companies In today’s business landscape, corporate transparency and accountability are paramount. Directors and officers of private companies face numerous liability exposures that can lead to costly legal battles. Stakeholders and third parties may hold board members accountable for damages resulting from alleged mistakes or poor decisions, leading…
Read MoreSchool Health and Safety Tips: Ensuring a Safe and Healthy School Year
As children head back to school, it’s crucial to review ways to keep them safe and healthy throughout the academic year. Here are some essential back-to-school health and safety tips for parents and guardians to consider: Choose Child-Safe and Nontoxic Art Supplies When purchasing art supplies, ensure they are labeled as child-safe and nontoxic. This…
Read MoreCultural Shifts to Attract Millennial Talent
Discover effective strategies to attract millennial talent by aligning company culture with their values. Learn how flexibility, diversity, professional growth, meaningful work, and modern benefits can help you build a tech-savvy, inclusive, and dedicated workforce.
Read MoreOSHA’s New Walkaround Rule
Learn about OSHA’s new Walkaround Rule effective May 31, 2024, allowing employees to designate non-employee representatives for on-site inspections. Discover employer rights, third-party participation guidelines, and strategies to protect trade secrets during inspections.
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