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Illness or Injury: How Your Business Can Protect Your Employees

InterWest Insurance Services

The employer reports income information to the disability insurance carrier. Portability is an important feature, because disability insurance can be difficult to qualify for on the individual market. Some workers may be able to get more robust plans on the individual market than carriers offer via group plans.

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Narrow Networks, Tiered Plans May Reduce Costs

InterWest Insurance Services

Insurance carriers have been trying out new approaches to controlling costs, while improving health outcomes for their plan enrollees. Centers of excellence — Many self-insured employers and more health plans are also contracting with “centers of excellence.” Other cost-saving measures.

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US Supreme Declines to Review Medical Marijuana Reimbursement Issue

Workers' Compensation

5, supra (noting 2018 change to CSA definition of marijuana), and continues to consider more expansive approaches; indeed, shortly after the Court issued its invitations in these cases, the House of Representatives passed legislation that would remove marijuana from the CSA’s list of controlled substances altogether.” 801 et seq.,

Medical 64
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Flood insurance: Is your home protected?

Higginbotham

And, while the resulting damage can be the same, water damage and flood damage may be viewed (and covered) very differently by your insurance carrier. Private flood policies may have a broader definition of what constitutes a flood. Myth: I can’t get flood insurance because my home is in a high flood risk area.

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RV liability insurance: Protection on and off the road

Higginbotham

Since an RV often contains more personal belongings than those in a typical car, it’s important to speak with your insurance broker to make sure your belongings are protected. Full-time RV coverage: If you live in your RV, you likely need full-timers RV coverage.

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Excess and surplus insurance

Higginbotham

To stay in business, insurance carriers need to protect their loss ratio. Non-admitted carriers fill the gaps left by admitted carriers, which makes them an important part of the overall property and casualty insurance market. The Disadvantages of Surplus Line Insurance.

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US Supreme Court to Conference Medical Marijuana Preemption Case

Workers' Compensation

5, supra (noting 2018 change to CSA definition of marijuana), and continues to consider more expansive approaches; indeed, shortly after the Court issued its invitations in these cases, the House of Representatives passed legislation that would remove marijuana from the CSA’s list of controlled substances altogether.” 801 et seq.,

Medical 52