Voluntary benefits continue to redefine modern day company perks

Back in the “old days” (pre-1980s), employees generally had to settle for the standard company perks – job stability, annual pay raises, vacation time, and a one-size-fits-all health insurance plan. Today, the benefits game has completely changed. Over the past … Read More


Transportation risk management: HOS rule lingers in fog of uncertainty

It was early on a Saturday morning in June 2014, and a deadly pileup on the New Jersey Turnpike involving a tractor-trailer had just taken the life of comedian James “Jimmy Mack” McNair and critically injured actor Tracy Morgan and … Read More


10 reasons why employees “lawyer up” for workers’ compensation claims

It’s an all-too familiar scenario… An employee gets injured on the job and then stays home with nothing to do but watch television, feeling increasingly isolated and unneeded with each passing day. He gets frustrated as his pain increases and his … Read More


Sure, you have insurance. But do you have an umbrella?

It can happen in an instant. You’re driving home from work, you get distracted for a split second, and you slam into the car in front of you, causing serious damage to the other vehicle and severe injuries to the … Read More


Texas health care: Three key challenges

They say everything is bigger in Texas. That might be fine if we’re talking about cattle ranches and barbecues, but when we’re talking about the problem of getting everyone covered with health insurance, bigger is definitely not better. Here’s a … Read More


Construction insurance: The latest on construction defect claims

If someone files a claim against your construction business for alleged construction defects, are you covered under your General Liability policy? That’s a question that’s been hotly debated in both insurance circles and the courts for years. And it’s a … Read More


5 ways to prepare for your next workers’ compensation insurance audit

Preparing for a workers’ compensation premium audit can be stressful for Texas business owners. It’s inconvenient, disruptive, and it takes a lot of work to get the paperwork together. Once the audit is complete, the last thing you need is … Read More


How much life insurance do you need? Use the DIME calculation.

Life insurance isn’t usually a hot topic at social gatherings. After all, nobody really wants to think about death, and we’re all planning to live forever. But…you know what they say about the best laid plans. Most would agree that … Read More


Why voluntary benefits are a “no-brainer” for many Texas employers

If you have employees, you’ve likely wrestled with decisions related to the Affordable Care Act and the cost-effectiveness of providing employee benefits. A much simpler decision (one you might even call a “no-brainer”) is the choice of whether to offer … Read More


How a nonprofit student orchestra almost ended on a sour note

When a Texas nonprofit’s student orchestra was chosen to perform in a national competition out of state, it was a dream come true. To raise money to pay for the trip, the group planned a public performance at a local … Read More