Sanford & Tatum Blog
All You Ever Wanted to Know About Insurance
U.S. Coastal Communities Could Become Uninsurable
Thursday, December 28, 2023
- U.S. Coastal Communities Could Become Uninsurable - It’s been all storm no calm for property insurance buyers in coastal regions in recent years, and many catastrophe-prone communities run the risk of becoming...
News Brief: U.S. Sets Record for Billion-dollar Weather and Climate Disasters in 2023
Wednesday, October 11, 2023
U.S. Sets Record for Billion-dollar Weather and Climate Disasters in 2023 - The National Oceanic and Atmospheric Administration (NOAA) recently announced that the United States has already seen a record number of...
2024
November
- 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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