The Benefits Compliance Rule Most Employers Get Wrong

The most common employee benefits mistakes share a pattern: the underlying rule was more specific than the employer realized. The consequences – penalties, retroactive contributions, plan disqualification – follow from that gap, not from bad intent.  Two areas generate the most preventable cost.  The Deposit Timing Rule  The Department of Labor requires employee salary deferrals to be […]

What Happens to Your Property Insurance When a Building Goes Empty 

Vacancy changes a property’s risk profile faster than most owners expect. The building looks the same. The address hasn’t changed. From an insurance standpoint, though, what was a straightforward commercial property has become a materially different risk.  Most owners find this out when a claim is denied.  The Policy Language That Changes at Vacancy  Standard commercial property […]

Cyber Risk in Health Care Is an Operations Problem

Organizations that treat cybersecurity as an IT responsibility have already made the first mistake. In health care, a breach does not stay in the server room. It moves into clinical operations, patient communications, and regulatory exposure within hours.  The organizations managing this well are treating it as an operations discipline.  Why Health Care Is a Preferred Target  […]

The Coverage Gap That Opens After Construction Ends 

Most general contractors, developers, project owners treat insurance as a project tool. Policy in place, certificate issued, job moves forward. What happens to that coverage after the project closes out gets far less attention.  That is where some of the most significant liability in construction now lives.  What Completed Operations Actually Covers  Completed operations extend a contractor’s general […]