DEVELOPING A STRATEGY FOR WORK-LIFE BALANCE The pandemic heightened awareness of the value of time By Thomas A. McCoy, CLU A benefits program has traditionally been all about health and money—basically covering an employee’s medical expenses and helping them save for retirement. While fulfilling these needs continues to be the foundation of a benefits plan, employers are devoting increased attention to something more intangible that employees value almost as much:
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TAKING THE FALL Should coverage apply to injuries sustained because of faulty work? It appears to us that the decision was based on the insured party’s not fulfilling clear requirements. That is a technicality that should not justify a coverage dispute. The Court Decisions column is a popular part of Rough Notes magazine. One reason for this is that the court room is where the promises made in
STOP LOSS INSURANCE Product use grows as smaller employers get on board By Len Strazewski Times are changing and it’s not just the broad fields of politics or economics that are evolving. Thanks to more flexible and accessible stop loss insurance, a broader range of employers—smaller than ever—are saving money by self-insuring employee benefits. And their agents and brokers are the key to matching employers up with new stop
WORKERS COMPENSATION An oasis in a dry desert; an island in stormy seas By Joseph S. Harrington, CPCU Anyone who watches broadcast media coverage or engages in social media commentary knows that these are tumultuous times of distress and anger over economics and politics. But you would never know that from the business of workers compensation insurance, which carries on serenely despite the effects of the COVID-19 pandemic, labor market
FORGOTTEN BUT IMPORTANT CGL POLICY CONDITIONS Nine conditions that can sometimes have profound implications Insurance policy conditions may not be sexy or flashy, but they do contain important provisions that impact the way the contract will respond to real claims against the insured. By Paul Martin, CPCU The Commercial General Liability (CGL) Coverage Form published by the Insurance Services Office and used by countless insurance companies to provide liability protection
