Did you know that small businesses experience cyber incidents at roughly the same rate as drivers experience car accidents? Though most of us would never go without auto insurance, a majority of small businesses don’t have cyber liability insurance coverage. According to the 2018 Small Business Cyber Insurance and Security...
Did you know that more than 50 percent of small and medium-sized businesses (SMBs) experienced a cyber-attack in the previous year? Cybercriminals tend to be opportunistic. They target the unprepared. Unfortunately, far too many SMBs don’t have a plan to prevent or respond to cyber-attacks. SMBs...
Great news for Florida employers! The Office of Insurance Regulation approved a statewide overall workers’ compensation rate level decrease of 13.8 percent for new and renewal policies starting January 1, 2019. This will be the second consecutive year that rates have gone down in Florida. The...
Florida’s minimum wage applies to those employees entitled to receive the federal minimum wage under the Fair Labor Standards Act. It is adjusted annually for inflation. According to the Florida Supreme Court, only upward adjustments are permitted. Employers are required to pay the federal or their...
Unlike the Individual Mandate, the Affordable Care Act’s Employer Mandate isn’t going anywhere in 2019. Employers with 50 or more full-time and full-time equivalent employees will still have to offer “affordable” health coverage to avoid ACA penalties. But, there is a sliver of good news....
Did you know that longshoremen aren’t the only employees covered by the Longshore and Harbor Workers' Compensation Act? If you didn’t, you’re not alone. Identifying who is covered by the Longshore Act isn’t always easy. This can be a huge problem because violations of the...
Did you know that a standard workers’ compensation insurance policy has more than one part? It’s true, check for yourself. Part One Workers Compensation Insurance provides indemnity and medical benefits that employers are legally required to provide employees who are injured on the job. You...
Are you ready to RRRUUMMMBLE? In this corner, we have a “No Pets Allowed” policy. And, in this corner, we have a patron with a service animal. Who wins? The answer is important because a number of laws protect individuals with disabilities, including the Americans...
An inconvenient truth. That’s how a growing number of us view data security breaches. There are victims and soon-to-be-victims. However, despite the seemingly endless stream of data breaches, organizations cannot afford to take a passive approach to data security and cyber threats. Just ask Yahoo! In...