Sanford & Tatum Blog
All You Ever Wanted to Know About Insurance
2021 Commercial Property Insurance Market Outlook
Thursday, March 18, 2021
The commercial property market has steadily hardened in recent years, resulting in rate increases every quarter since Q3 2017. Unfortunately, these rate increases-as well as additional policy restrictions-are expected...
2024
November
- Legal Update: IRS Expands List of Preventive Care Benefits for HDHPs
- Live Well, Work Well: Prioritizing Your Emotional Well-being During the Holidays
- Mental Health Minute: December 2024
- Coverage Insights: The Value of D&O Insurance for Private Companies
- Coverage Insights: The Value of Employment Practices Liability Insurance
- News Brief: Over 80% of Employers Will Add or Improve Benefits in the Next Year
- Risk Insights: Distracted Driving and Cellphones
- News Brief: U.S. Workers Are Satisfied With Their PTO, But Don’t Exhaust It
- Legal Update: Qualified Transportation Fringe Benefit Limits to Increase in 2025
- Safety Matters
- Legal Update: DOL Targets Employment-related Contract Provisions
- Work Comp Insights: 4 Trends That Could Impact Workers’ Compensation Insurance
- Work Comp Insights: Study Finds Extreme Temperatures Increase Workers’ Compensation Claims
- Legal Update: DOT Revises Drug and Alcohol Testing Procedures Regarding Oral Fluid Testing
- HR Compliance Bulletin: 7 Employment Policies to Review in 2025
- News Brief: What’s in Store for Reinsurance Jan. 1? Market Players Have Varied Views
- Legal Update: IRS Releases Health FSA Limit for 2025
- Commercial Property: Insights
- Risk Insights: Corporate Governance Best Practices
- Know your Insurance: Avoiding Common Personal Insurance Gaps
- Cyber Risks & Liabilities: The Importance of Data Backup and Recovery Plans for Businesses
- Cyber Risks & Liabilities: MFA Bypass Attacks Explained
- HR Compliance Bulletin: Legal Considerations for Employee Terminations
- Compliance Bulletin: Mental Health Parity: New Comparative Analyses Requirements
- Live Well, Work Well: Preparing for the 2024-25 Flu Season
- Legal Update: EEOC Releases 2024 Litigation Data, Showing a Decrease in Lawsuits
- News Brief: OSHA Announces Top 10 Violations for 2024
- Live Well, Work Well : November 2024
- Mental Health Minute: November 2024
- Risk Insights: Best Practices for Safety Committees
- Compliance Bulletin: Educational Assistance Programs Can Help Pay Student Loans Through 2025
- Health Care Bulletin: Deadline for Submitting Gag Clause Attestation Is Dec. 31, 2024
- Risk Insights: Navigating Cybersecurity Challenges in the Construction Industry
- Small Business Insights: Factors That Affect Small Businesses’ Insurance Costs
September
- Legal Update: 5th Circuit Upholds DOL’s Authority to Set Minimum Salary Requirement for White-collar Exemptions
- Legal Update: All Draft Forms & Instructions for 2024 ACA Reporting Now Available
- Commercial Property Insights: Insurance Challenges Facing Coastal Commercial Properties
- Risk Insights: 5 Risks of Hiring an Uninsured Contractor
- Legal Update: Deadline for Employers to Receive MLR Rebates Is Approaching
- Legal Update : EBSA Releases Updated Cybersecurity Guidance for Employee Benefit Plans
- Legal Update: IRS Implementation Guidance on Qualified Student Loan Payment Match Programs
- Benefits Insights: Motivating Employees to Spend More Time With Open Enrollment
- HR Insights : Preparing for the 2024 Election
- News Brief: Report Finds Weight Loss Drugs Key Driver of 2025 Health Care Cost Increase
- Mental Health Minute: October 2024
- Legal Update: OSHA Propose Heat Injury & Illness
- Live Well, Work Well: What to Know About This Year’s Flu Season
- Risk Insights: A Corporate Boards Guide to Generative AI Benefits and Risks
- Legal Update: OSHA Releases New Online Severe Injury Report Dashboard
- Legal Update: Final Rule Makes Extensive Changes to Mental Health Parity Requirements
- HR Insights: Employee Handbooks: Common Legal Mistakes
- Cyber Risks & Liabilities: Understanding Cybercriminals: Motivations, Methods and Protection Strategies
- Coverage Insights: Understanding Employers’ Liability Insurance
- Coverage Insights: Contingent Business Interruption Insurance for Cyber Events
- HR Compliance Bulletin: 2024 Midyear Employment Law Compliance Trends
- HR Compliance Bulletin: Employer Considerations for Navigating Election Section
- Compliance Bulletin: Medicare Part D Notices Are Due Before Oct. 15, 2024
August
- Risk Insights: Steps for Businesses to Create Safer Drivers
- HR Insights: Tips for Retaining Employees in 2024
- News Brief: Drug Test Cheating Surged in 2023
- News Brief: Report: Health Care Costs 254% Higher for Privately Insured Patients Than Those With Medicare
- Live Well, Work Well: Managing Work-Life Balance During Return To School
- Live Well, Work Well: Prioritizing Wellness During The 2024-25 School Year
- Legal Update: Court Denies FMLA for Unmarried Father Before Child's Birth
- Cyber Risks & Liabilities: The Role of a Public Relations Specialist in Cyber Incident Response
- News Brief: Regulators Cite Major Gaps in Consumer Understanding of Insurance
- Cyber Risks & Liabilities : The Role of Digital Forensics and Incident Response in Cybersecurity
- Cyber Risks & Liabilities: SIM-Swapping Attacks Explained
- Legal Update: DOL Updated Model Employer CHIP Notice
- Legal Update: USCIS Extends Form I-9 Expiration Date
- Live Well, Work Well : September 2024
- Mental Health Minute: September 2024
- Legal Update: Increased Civil Penalty Amounts for SBC, MSP, HIPAA Violations
- Coverage Insights: The Value of Business Interruption Insurance
- HR Insights: How Noncompete Agreements Impact Hiring
- Legal Update: NLRB Voluntarily Withdraws Joint-employer Rule Appeal
- Legal Update: Deadline for Employers to Receive MLR Rebates Is Approaching
- Benefits Insights: 8 Tips for Effective 2025 Open Enrollment Communication
- Know Your Insurance: Renters Insurance for College Students
- Compliance Overview: Open Enrollment 2025- Health Savings Account (HSAs)
- Compliance Bulletin: SAR Is Due by Sept. 30 for Calendar Year Plans
July
- HR Compliance Bulletin: 2024 Midyear Employment Law Compliance Trends
- Mental Health Minute: August 2024
- Live Well, Work Well: The Health Benefits of Camping
- News Brief: OSHA's Safe and Sound Week Scheduled for Aug. 12-18
- Legal Update: OSHA Proposes Heat Injury & Illness Prevention Standard
- Legal Update: Federal Courts Block Enforcement of Certain Section 1557 Nondiscrimination Provisions
- Cyber Risks & Liabilities: The Role of a Data Breach Coach in Cyber Incident Response
- News Brief: CVSA’s Brake Safety Week Scheduled for Aug. 25-31
- Coverage Insights: The Importance of Timely Notice Under Claims-made Liability Policies
- 2024 Midyear Market Outlook: Workers Compensation Insurance
- 2024 Midyear Market Outlook: Cyber Insurance
- Legal Update: US Supreme Court Overrules Cheveron Deference
- News Brief: Forecasters Up Their Hurricane Outlook After Hyperactive Beryl
- Legal Update: Texas Federal District Court Partially Blocks the FTC's Noncompete Ban
- Compliance Overview: Using HSAs, Health FSAs and HRAs for Over-the-Counter Items
- Compliance Bulletin: The DOL Overtime Rule’s Impact on Employee Benefits
- News Brief: Large Jury Verdicts Rising Steadily, Especially for Product Liability
- Compliance Overview: IRS FAQs on Educational Assistance Programs
- Compliance Bulletin: Coverage of Gender-affirming Care: Employer Considerations
- Coverage Insights: The Value of Inland Marine Insurance
- 2024 Midyear Market Outlook: Commercial Auto Insurance
- 2024 Midyear Market Outlook: Commercial Property Insurance
June
- HR Compliance Overview: Federal Youth Employment Laws
- HR Compliance Bulletin: DOL Prioritizes Enforcement of Youth Employment Laws
- Live Well, Work Well: Surviving the Summer Heat
- Cyber Risks & Liabilities: Defending AI Systems From Malicious Data Poisoning Attacks
- News Brief: Workers’ Compensation System Shows Financial Strength and Lower Claim Frequency
- Legal Update: OSHA Publishes Its Updated Hazard Communication Standard
- Legal Update: HHS Updates HIPAA FAQs Regarding Change Healthcare Cybersecurity Incident
- Legal Update: DOL Issues Gag Clause Attestation Resources for 2024
- Legal Update: 3rd Circuit Rules USERRA May Require Paid Leave
- Legal Update: DOJ Releases Proposed Rule to Ease Federal Restrictions on Marijuana
- News Brief: Property Pricing May Have Eased, but Brokers Still Having Trouble
- News Brief: NOAA Predicts “Above Normal” 2024 Hurricane Season
- News Brief: Kia Recalls Over 450,000 Vehicles Due to Fire Risk
- Coverage Insights: Covered Property Under Commercial Property Insurance
- Coverage Insights: Covered Perils Under Basic and Broad Forms of Commercial Property Policies
- HR Compliance Bulletin: Preparing for the Corporate Transparency Act
- Legal Update: PCORI Fees Due July 31, 2024
- Mental Health Minute: July 2024
- Live Well, Work Well: July 2024
- News Brief: CVSA Reveals 2024 Focus for Upcoming Operation Safe Driver Week
- Legal Update: EEOC Announces July 9 “Failure to File” Deadline for 2023 EEO-1 Reports
May
- News Brief: June is National Safety Month
- HR Compliance Bulletin: Overview of the EEOC's workplace Guidance to Prevent Harassment
- Legal Update: DOL Issues Guidance on AI-related Wage and Hour Risks
- Mental Health Minute: June 2024
- Live Well, Work Well: Explore the Great Outdoors
- Cyber Risks & Liabilities: Cybersecurity Awareness Programs: Benefits and Implementation
- News Brief: Casualty Claims Severity Significantly Outpacing Economic Inflation
- Legal Update: OSHA Releases Its Injury Tracking Application 2023 Injury and Illness Data
- Compliance Bulletin: New HIPAA Rule Will Require Updates to Privacy Notices
- ACA Compliance Overview: HHS’ FAQs on Section 1557 Nondiscrimination Final Rule
- HR Compliance Bulletin: Answers to Frequently Asked Questions About the DOL’s Final Overtime Rule
- HR Compliance Bulletin: DOL Issues Guidance on AI and FMLA Administration
- Legal Update: DOL Announces Final Overtime Rule Increasing Salary Levels for White-collar Employees
- Legal Update: HHS Finalizes Rule to Strengthen Reproductive Health Care Privacy
- Compliance Bulletin: HSA/HDHP Limits Will Increase for 2025
- Coverage Insights: Scheduled Versus Blanket Limits for Commercial Property Insurance
- HR Compliance Bulletin: Preparing for the FTC’s Noncompete Ban
- HR Compliance Bulletin: Key Provisions From the DOL’s Final Overtime Rule for White-collar Employees
- Compliance Overview: Group Health Plan Fiduciary Litigation on the Rise
- Legal Update: FTC Announces Rule Banning Noncompetes
- Legal Update: DOL Rescinds 2018 Final Rule on Association Health Plans
- Legal Update: DOL Issues Final Retirement Security Rule and Related Amendments to PTEs
- Coverage Insights: Optional Commercial Property Coverage Offerings Under the BPP
April
- Compliance Bulletin: Mental Health Parity Compliance Remains a Key Focus in 2024
- News Brief: Study Shows 40% of Insured Workers Delay Health Care Due to Costs
- Legal Update: U.S. Supreme Court Rules That Mandatory Job Transfer Can Be Discriminatory Under Title VII
- Work Comp Insights : How Return-to-Work Programs Impact Workers’ Compensation Expenses
- Benefits Insights: Health Care Costs and Your Employee Health Plan
- Live Well, Work Well : Breaking Down Mental Health Stigma
- Mental Health Minute: May 2024
- Legal Update: EEOC Releases Final Rule Implementing Pregnant Workers Fairness Act
- HR Brief: May 2024
- Cyber Risks & Liabilities: Cloud Security Management Explained
- Benefits and Me: May 2024
- Compliance Overview: OSHA’s Worker Walkaround Designation Process Frequently Asked Questions
- HR Compliance Bulletin: Preparing for the DOL’s New Overtime Rule
- Compliance Bulletin: Form 5500 Deadline is July 31st
- Legal Update: ACA Information Reporting Penalties Increased for Returns Filed in 2025
- Coverage Insights: Differences Between Traditional and Cyber Business Interruption Policies
- Coverage Insights: Understanding Common CGL Policy Exclusions
- Know Your Insurance: Auto
- News Brief: Vehicle Thefts Hit a New Record in 2023: NICB
- News Brief: Report Highlights Growing Demand for Family-friendly Benefits
- HR Insights: 4 Ways AI Will Impact the Workplace in 2024
- Risk Insights: Health Care Industry Trends to Watch in 2024
- Legal Update: New TX Law Prohibits COVID-19 Vaccination Mandates
- Know Your Insurance: 2024 Auto Market
- Know Your Insurance: Tips for Home Buyers in 2024
- Legal Update: DOL Releases Benefit-related Penalty Amounts for 2024
- HR Insights: 2023 Employment Law Changes Important in 2024
- Work Comp Insights: Benefits of Return-to-Work Programs for Employers and Employees
- Compliance Overview: Top Health Plan Compliance Issues for 2024
- Data Breach Class Actions Skyrocketed in 2023
- 5 Employment Policies to Review in 2024
- HR Insights: The Business Implications of the DOL’s New Independent Contractor Rule
- Top 2024 Wellness Trends
- Legal Update: OSHA Proposes to Issue a New Emergency Response Standard
- Work Comp Insights: NCCI Experience Modification Factor 2024 Changes FAQs
- 7 Key Employee Benefits Trends in 2024
January
- Mental Health Minute - January 2024
- HR Insights: Early-career and Entry-level Development Programs to Attract Talent
- Legal Update: OSHA Form 300A Posting Requirements Begin Feb. 1
- News Brief: House Passes Bipartisan Act to Lower Health Care Costs and Increase Price Transparency
- News Brief: Workplace Fatalities Up 5.7% According to Bureau of Labor Statistics
- Benefits and Risks of Rooftop Solar Panels for Commercial Properties
- Legal Update: OSHA’s Safety and Health Bulletin on Safety Helmets in the Workplace
- HR Insights: 8 Tips for Modernizing Hiring in 2024
- Live Well, Work Well - January 2024
- Benefits Breakdown - January 2024
2023
December
- U.S. Coastal Communities Could Become Uninsurable
- HR Insights: Responding to the EEOC’s Increased Focus on Mental Health Discrimination
- Protecting Your Business Against Frozen Pipes and Sprinkler Systems
- Home Care for the Common Cold and Flu
- OSHA's Top 10 Most Frequently Cited - 2023
- DOT Accidents - What is reportable?
- Penalties for HIPPA Violations Increase
- Mental Health Minute - December 2023
- Live Well, Work Well - December 2023
November
- NCCI Experience Modification Factor 2024 Changes FAQs
- Risk Insights: Understanding, Preventing and Mitigating Workplace Violence
- Understanding Protective Safeguards Endorsements (PSEs)
- EEOC Opens EEO-1 Reporting Portal for 2022 Workforce Data
- Cyber Risks & Liability: MGM Cyberattack Emphasizes Need for Layered Digital Defenses
- News Brief: Q2 P&C Industry Combined Ratio, Net Income at Worst Levels Since 2011
- Live Well, Work Well - November 2023
- Mental Health Minute - November 2023
October
- HR Insights: Preparing for the Fall and Winter Virus Season
- Know Your Insurance: Auto Liability
- Work Comp Insights: Reading an Experience Modification Worksheet
- Risk Insights: AI + Employment Decision
- Work Comp Insights: Interstate vs. Intrastate Experience Modification Rating
- Coverage Insights: Commercial Property
- Safety Matters: Driving Tips
- Think Well, Be Well: Sleep + Mental Health
- News Brief: EEOC Significantly Increased Discrimination Lawsuits in FY 2023
- Risk Insights: Board Orientation
- News Brief: U.S. Sets Record for Billion-dollar Weather and Climate Disasters in 2023
- Cyber Update: MGM Cyberattack Emphasizes Need for Layered Defenses
- Live Well, Work Well - October 2023
- Mental Health Minute - October 2023
September
- Know Your Insurance: Home Premiums
- Compliance Overview: Open Enrollment 2024 – Health Savings Accounts (HSAs)
- Legal Update: SEC Adopts Final Rules for Public Companies’ Cybersecurity Disclosures
- Know Your Insurance: Replacement Cost vs. Actual Cash Value
- Benefits Insights: Educating Young Employees on Open Enrollment
- Safety Matters: Construction + Extreme Heat
- Coverage Insights: Professional Liability Insurance Trends in the Legal Sector
- Mental Health Minute - September
- Live Well, Work Well - September 2023
August
- Legal Update: Workplace Violence Poster Required in Texas
- Cyber Update: Average Data Breach Costs $4.4M
- Cyber Liability: The Value of Cyber Insurance
- News Brief - June Hailstorms Across U.S. Caused an Estimated $5.5B in Insured Losses
- Live Well, Work Well - August 2023
- 2023 Commercial Property Insurance Midyear Market Outlook
- Legal Update: New Form I-9 Available
July
May
April
March
February
January
2022
December
November
October
September
- Live Well, Work Well- October 2022
- Cyber Liability: The Importance of Two-factor Authentication
- Work Comp Insights: Five Strategies for Reducing Workers’ Compensation Costs
- Coverage Insights: General Liability Exposures Every Organization Should Know
- Risk Insights: Understanding How Habits Work to Influence Safety
August
July
June
May
April
March
February
January
- Legal Update: OSHA Withdraws COVID-19 ETS, but Not the Proposed Permanent Rule
- Winter Safety: Driving
- Property Management Risk Insights: Winter Weather Liabilities
- Benefits Insights: 4 Strategies for Reducing Health Benefits Costs in 2022
- Legal Update: Supreme Court Stays OSHA ETS Vaccination and Testing Mandate
- Legal Update: Agencies Issue Guidance on Coverage of OTC COVID-19 Tests
2021
December
- Live Well, Work Well - January 2022
- Legal Update: EEOC Issues New Guidance on COVID-19 and ADA Disability
- Legal Update: Court Reinstates OSHA Vaccination Mandate for Private Employers
- Auto Insights: Prepare Your Vehicle for Winter
- Safety Matters: Avoid Winter Slip-ups
- Know Your Insurance: Life Events that Affect Your Insurance Needs
- Compliance Overview: Employee Benefit Plan Limits for 2022
November
October
September
August
July
June
- Cyber Update: White House Issues Ransomware Prevention Guidance to Businesses
- Firework Safety
- OSHA's COVID-19 Healthcare Emergency Temporary Standard
- News Brief - Fatal Accidents Increased 7% in 2020, Despite Fewer Drivers
- Cyber Risks & Liabilities
- Health Care Claims May Surge in 2021
- Safety Matters - Avoid Heat Illness
- Cyber Security for Small Businesses
- EEOC Issues New FAQs on COVID-19 Vaccine Programs & Incentives
May
April
March
February
January
2020
December
November
October
September
August
July
- Family Medical Leave Act (FMLA) update July 2020
- Vaccination requirements could pit safety concerns vs. ADA, Title VII
- U.S. Department of Labor Publishes Frequently Asked Questions and Answers To Help Keep Workers Safe During the Coronavirus Pandemic
- Guidance for Suspected or Confirmed Cases of COVID-19 in the Workplace
June
May
- FMCSA Revises Hours of Service (HOS)
- HSA Limits Increase for 2021
- Did you know there are 11 new translations of OSHA's poster to help prevent workplace coronavirus exposure?
- Seven Steps to Correctly Wear a Respirator at Work
- Ten Steps All Workplaces Can Take to Reduce Risk of Exposure to Coronavirus
- Form I-9 Announcement and M-274 Employer Manual
- Dentistry Workers and Employers - Steps to Stay Safe
April
- Heat Illness Prevention
- Return to Work Resource Guide
- DOL Ends Temporary Non-Enforcement of Paid Leave Protections
- DOL Issues Alert to Help Keep Construction Workers Safe During the Coronavirus Pandemic
- Cyber Liability - Coronavirus and Remote Work Cyber Risks
- Pre-Employment Drug Testing for Furloughed Drivers
- Reopening a Business After the Coronavirus Shutdown: Things to consider as we look to the future
- Important Payroll Record Information from one of our Valued Insurance Partners
- DOL Regulations for Families First Coronavirus Response Act Update
- U.S. DEPARTMENT OF LABOR ISSUES GUIDANCE FOR RESPIRATORY PROTECTION DURING N95 SHORTAGE DUE TO COVID-19 PANDEMIC
- CARES Act - Small Business Loan Overview
- COVID-19-Related Tax Credits for Required Paid Leave Provided by Small and Midsize Businesses FAQs
March
- Department of Labor - Families First Coronavirus Response Act Posters
- Families First Coronavirus Response Act: Questions and Answers
- Families First Coronavirus Response Act
- IRS Issues Guidance on Tax Credits for Coronavirus Paid Leave
- Coronavirus Paid Leave Bill Signed into Law
- Maintaining Mental Well-Being During a Quarantine
- COVID-19 vs Influenza
- Coronavirus Facts and Information
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