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Rebuilding After a Loss: How to Avoid Contractor Fraud and Unfair Practices

Rebuilding After a Loss: How to Avoid Contractor Fraud and Unfair Practices

It’s not uncommon for major natural disasters to prompt complaints about contractor fraud and unfair practices.

As Louisiana residents begin to recover from Hurricane Ida, Louisiana Insurance Commissioner, Jim Donelon, released valuable advice to protect policyholders in their state…advice that actually delivers value across the country regardless of the state.

Legalized Marijuana: Off-duty Use and Drug Testing

Legalized Marijuana: Off-duty Use and Drug Testing


While all marijuana use remains illegal under federal law, most states have enacted laws that allow certain uses of marijuana or cannabis, a marijuana derivative. None of these laws place any restrictions on an employer’s right to administer drug tests or to prohibit their employees from using or being under the influence of marijuana at work or during work hours.


Success Routines for Work-from-Home & Hybrid Schedules

Establishing a Work-from-Home Routine

As a remote worker, it’s up to you to be just as motivated and focused as you would be in an on-site workplace. That success factor can hinge on a solid work-from-home routine.


Working from home can have a positive impact on your mental and physical health. According to Gallup, remote workers reported better overall well-being and higher engagement than employees working in the office. Remote work offers benefits for employees, including:

• Improved productivity and performance

New Increased Penalty Amounts for Group Health Plan Disclosure Violations

Effective Nov.15, 2021, the U.S. Department of Health and Human Services (HHS) has increased the following key penalties affecting group health plans:


Summary of Benefits and Coverage (SBC)

Failure to provide group health plan participants and beneficiaries with an SBC may now result in a penalty of up to $1,190 per participant or beneficiary.

Medicare Secondary Payer (MSP)

Kaiser Survey Insights: Employer-Sponsored Health Benefit Plans

Each year, the Kaiser Family Foundation conducts a survey to examine employer-sponsored health benefits trends. Below is a summary of the main points of the 2021 survey and suggests how they could affect employers.


Health Insurance Premiums

In 2021, the average premium rose by 4% for both single coverage and family coverage. The average premiums were $7,739 and $22,221, respectively.

SAMPLE Vendor-Contractor Insurance Requirements


If you hire contractors, vendors, or other service providers, you will want to make sure you and your business are protected from claims or losses that the service provider is responsible for. That protection starts with making sure the service provider is carrying, and providing evidence of, the insurance required in their agreement with you.


Sample Vendor/Contractor minimum insurance requirements: