To Uber or Not to Uber? That Is the Question!

Last week I posted on Facebook that my husband and I had ‘Ubered for the first time last night, and it was awesome.’ Needless to say, the responses were mixed! Some of my friends were in the know about ‘Uber’ but a few seemed shocked I would post such personal information on social media. I first heard about Uber last year while visiting friends in Dallas. ‘Will you be Ubering over?’ I thought he was speaking another language. Then he realized I’d never Ubered before so he explained what it was. ‘You mean people get into a car with total strangers and pay them to take them places?’ It sounded like a liability nightmare to someone in the insurance business. So when I heard that Uber ha

OSHA Update: Reporting Fatalities and Severe Injuries

Starting January 1, 2015, OSHA's updated record keeping rule will expand the list of severe injuries that all employers must report to OSHA. Establishments located in states under federal OSHA jurisdiction must begin to comply with the new requirements; those located in states that operate their own safety and health programs should check with their state plan for the implementation date of the new requirements. Previously, employers had to report all work-related fatalities and hospitalizations of three or more employees. Now, employers have to report the following to OSHA: All work-related fatalities must be reported within 8 hours. All work-related inpatient hospitalization, amputation,

Faith is working at the Work-Faith Connection

This morning we attended the Work-Faith Connection's annual breakfast. 500 people squeezed into the River Oaks Country to hear no less than 3 ex-invitees of the Texas Department of Corrections tell their stories and how the power of the Holy Spirit and a few people who believe in second chances changed their lives. The Work-Faith Connection is a non-profit organization dedicated to helping people bridge the gap from troubled pasts to brighter futures through a second chance at work. They take in former convicts, addicts, and the homeless who want to change their lives. They teach them how to talk about their past with prospective employers and highlight their skills. They teach them how

Living Large on the Company Dime

Employee theft claims are regular occurrences among our insureds, certainly more common than hurricanes. Yet, so many employers believe these types of claims cannot happen to them. You see they do not employe anyone they do not trust. They have safeguards in place. They do not keep that much cash on hand, etc. They need employee theft coverage. If they have it, they need to increase their limits. Here are two good examples from sophisticated large corporations. First, MillerCoors: MillerCoors has sued two former marketing executives, and several other people, accusing them of embezzling more than $10 million from the brewing company through phony invoices for undelivered services ove

DC Circuit Court Vacates Halbig Decision

As we noted here, the DC Circuit has vacated its panel decision deciding the ACA shoud be enforced as it reads to NOT allow subsidies sold outside of state health exchanges (i.e., through the federal exchange). This was a huge holding, but the odds were stacked against its survival within the more liberal DC Circuit. Opponents of the ACA were hoping that the panel decision would hold and sustain a split in the Circuit Court which might fast track another Supreme Court ruling. Assuming the en banc comes to a different decision, we will have no split in the circuits making a SCOTUS review less compelling. To quote Samuel L. Jackson in Jurassic Park - "Hold on to your butts!" The ACA is not

Health Insurance Premiums Set to Increase - Shocking!

With open enrollment for ‘Obamacare’ in 2015 starting in mid-November, experts are predicting big increases in premiums in many states. According to an analysis from PricewaterhouseCoopers’ Health Research Institute, health plans sold through the ACA exchanges are going to increase an average of 7.5% next year. (based on preliminary data from 27 states and the District of Columbia) Most of the increases are attributed to older and/or sicker applicants more likely to need medical care. More healthy risk pools with less demand will stay the same or decrease in cost of insurance. For example, one carrier in Nevada is preparing for a 36% rate increase. Certain parts of Arizona could see pr

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