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Haylor Risk Management Blog

IRS Issues Proposed Rules to Fix the Affordability “Family Glitch”

Posted by Benefit Consulting Team on Apr 7, 2022 11:10:32 AM
The IRS has issued proposed rules that would change the way employer-sponsored coverage would be treated when determining if a family is eligible for premium tax credits (PTC) when purchasing individual health insurance through a public Marketplace. The proposed rules would fix the so-called “family glitch” that currently requires employer plan affordability to be based on the employee-only cost for coverage, while not taking into consideration the cost for the employee’s family to participate. The change would allow more spouses and dependents to qualify for premium tax credits toward the cost of individual health coverage purchased through a public Exchange.


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Topics: Updated Compliance Alert, Insurance, Compliance, Healthcare, Benefits, Affordable Care Act

Cyber Criminals Spear Phishing Your Money!

Posted by Gia Diep on Apr 5, 2022 1:05:03 PM

A growing number of businesses, organization and individuals are falling victim to internet fraud where they are tricked into directing payments to a cyber-criminal.  What can you do to protect your business?

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Topics: Breach, Cyber, Ransomware, Hacking, Spear Phishing

Can You Avoid a Nuclear Verdict?

Posted by Trucking Team on Apr 5, 2022 11:36:01 AM

From 2015 to 2019, large Trucking Auto Liability verdicts went from an average of $2.3 Million to $22.3 Million.   

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Topics: Transportation, trucking, Insurance, Nuclear Verdicts

Cyber Crime is Here to Stay

Posted by Anto Almasian, AAI on Mar 10, 2022 1:34:07 PM

If it seems like every couple of weeks there’s a cyber-incident dominating the evening news; it’s because there truly is. Cyber-Attacks, especially those involving Ransomware, have taken center stage in news coverage since the start of the Covid-19 pandemic. And now, with the situation in Ukraine, the Cyberthreat is even greater. 

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Topics: Cyber, Ransomware, Hacking, Risk Management

How does your insurance policy respond to Property or Business Income Losses resulting from the Russia-Ukraine War?

Posted by Gia Diep on Mar 1, 2022 4:15:39 PM

Does a commercial Property policy cover property damage or business income arising from the Russia-Ukraine war?  Unfortunately, most Commercial Property Policies will not offer coverage for losses arising from War.  

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Topics: Risk Management

NY Workers' Compensation Experience Modification Rating (EMR) is changing.

Posted by Risk Management Team on Feb 8, 2022 12:14:13 PM

New York State is working to incentivize workplace safety by revamping the Workers' Compensation experience modification rating program, effective October, 2022.    What does this mean for your business?

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Protect Your Business When Purchasing Insurance

Posted by Steve DeRegis, Sr. Vice President on Jan 17, 2022 10:48:51 AM

The most common mistake in purchasing insurance occurs when businesses shop their insurance program at the expiration date of their policies.  Often times this results in multiple brokers being involved, combined with a lot of the insured’s valuable time and effort being expended, only to make a rush decision at the 11th hour.  Businesses end up making a last minute decision and do not have the information necessary to make a well-informed one.  

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More about cyber and how it impacts your business

Posted by Risk Management Team on Dec 7, 2021 12:16:33 PM
How do you protect your business from the m assive increases in cyber attacks?  These attacks present themselves in various forms.
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Topics: Breach, Cyber, Ransomware, Hack, Hacking, Data, Risk Management

Is your business prepared for legalized marijuana in NY?

Posted by Gia Diep on Dec 7, 2021 12:13:00 PM

Residents of NY will be allowed to purchase, possess and grow marijuana for personal use.  It will be a regulated and taxed industry that will see significant growth in the coming years.  NY has formed the Office of Cannabis Management (OCM) to establish the regulations about production, distribution and sale of recreational marijuana. 

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Topics: Insurance, Risk Management, Marijuana, Legalized Cannabis

Employment Practices Coverage,  Covid and #metoo

Posted by Risk Management Team on Nov 9, 2021 4:00:31 PM

When it comes to safeguarding your business, it’s important to protect yourself against employee lawsuits. The costs associated with these claims can be staggering and can impact businesses of any size or type. Employment Practices Liability Insurance (EPLI) provides protection against employment practice claims such as discrimination, sexual harassment, wage & hour and wrongful termination. During FY 2020, the EEOC resolved 70,804 charges of employee discrimination, securing $439.2 million for victims in both the private sector and government workplaces.

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Topics: OSHA, Sexual Harassment, Employment Practices, Risk Management, Covid