January 06, 2021
Significant Benefits Issues in New COVID-19 Relief Legislation
The COVID-19 relief bill recently passed by Congress contains several important employee benefit-related provisions, including restrictions on “surprise medical bills,” new plan and health c...
December 17, 2020
How to Approach Renewals in a Hard Market
A year ago, it would have been hard to imagine a world that looks like the one we are living in today. Pricing in the commercial insurance market was already “hardening” for a number of reas...
December 17, 2020
Holiday Safe Shopping
While the Holidays are known as the “Season of Giving Gifts,” this time of year is quickly also becoming known as the “Season of Giving away Personal Information.” Cyber crimi...
November 11, 2020
Employee Benefits needs are changing amid the COVID-19 Pandemic
A key shift in day-to-day operations for employee benefits in the corporate workforce since the onset of the COVID-19 pandemic is the increased usage of technology. Born out of necessity and...
November 09, 2020
New Jersey Executive Order 192
Last week, New Jersey Governor, Phil Murphy issued Executive Order 192 to expand health and safety requirements for public and private businesses in all industries* effective at 6:00 am on T...
October 27, 2020
CDC Redefines “Close Contact”
What changed? The CDC updated the guidance on how COVID-19 may be spread to uninfected people based on recent study findings. The CDC changed the definition of “close contact” as it relate...
October 26, 2020
A Crack in the Armor of Physical Loss or Damage Requirements in Business Income Loss Policies
A North Carolina judge has issued what looks to be the first decision finding that property policies “provide coverage for Business Income and Extra Expenses for [businessowners’] loss of us...
October 19, 2020
Using Paycheck Protection Program Loan Contingency Insurance as a Hedge
As companies who received Paycheck Protection Program (PPP) loans are considering whether to seek forgiveness of those loans, they should also consider whether to hedge that forgiveness with...
October 13, 2020
California Senate Bill 1159 – Workers Compensation Presumption and New Reporting Requirements
On September 17, 2020, California Governor Gavin Newsom signed into law Senate Bill 1159 (“SB 1159”) which modifies and extends the Governor’s Executive Order from earlier this year, creatin...
October 01, 2020
Ransomware Attacks Are On the Rise… Are You Prepared?
Do you think you have an impenetrable firewall, strong enough to ward off a cyber attack before it happens? Do the terms “Dark Web”, “Ransomware”, “Malware” and “Phishing” sound like things ...
September 16, 2020
COVID-19 News Alert: Workers Compensation Injury Presumption for “Essential Employees” in NJ
On September 14, 2020, Governor Phil Murphy of New Jersey signed Senate Bill 2380 into law. As previously reported, the law creates a rebuttable presumption that COVID-19 infections contract...
September 11, 2020
Impact of COVID-19 on Management Liability Insurance Market
The COVID-19 pandemic has dramatically altered the landscape of the insurance market. Underwriters of Directors & Officers and Employment Practices Liability Insurance are concerned abou...
September 09, 2020
COVID-19 Insurance Implications in the Construction Industry
As the COVID-19 pandemic continues to create operational, financial and safety challenges for the construction industry, we have focused our efforts over the past few months on helping clien...
August 26, 2020
Paycheck Protection Program Loan Contingency Insurance
The Paycheck Protection Program (PPP) was put in place to provide forgivable loans to organizations impacted by COVID-19. During the PPP loan application process, borrowers were required to ...
August 20, 2020
COVID-19 Business Interruption Insurance Coverage – Court Decisions Update #2
To recap, business interruption claims arising out of the presence of COVID-19 in the workplace and caused by the various state and local closure orders has been hampered by two limitations ...