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When evaluating and trying to find the right insurance advisor or company, it helps to have a map outlining the RFP process and a checklist of best practices. Learn where to start in your search and avoid getting the wrong results.

Every year, life insurance carriers capture approximately $25 billion of economic value from policy owners and trust beneficiaries when the policies of older insureds are surrendered or allowed to lapse. Of that amount, high-net-worth families forfeit around $10 billion because they weren’t aware of how they could recapture the value of those...

As family offices and businesses prepare for a return to work in the post-COVID-19 environment, they face complicated decisions when trying to plan for a safe workplace. This medical intelligence report provides an overview on COVID-19 to help facilitate thoughtful discussions and a better understanding of official recommendations. It also inc...

As states, localities, and health officials begin to set parameters around reopening businesses, bringing your people back onsite successfully won’t be as simple as flipping a switch. Every company is unique. But each company faces the same concerns: where to begin, how to keep people protected, when to communicate, and what’s the right...

Returning to work in the midst of the COVID-19 crisis presents employers with unprecedented workplace and employee relations challenges. As the Southern states move ahead with phased plans to reopen, it is important to have the right strategy in place for employee safety, absence management and risk mitigation. The HUB Risk Services team discusses ...

The EEOC issued updated FAQs on various issues involving the Americans with Disabilities Act (ADA), such as confidentiality of COVID-19 medical information, reasonable accommodation requests, hiring, harassment, and layoffs or furloughs. The U.S. Labor Department’s Occupational Safety and Health Division (OSHA) has also updated their guidance...

Subtitle C of the Coronavirus Aid, Relief, and Economic Security (CARES) Act amends certain provisions in the Emergency Family and Medical Leave Expansion Act and the Families First Coronavirus Response Act. A brief summary of four key provisions that employers need to know includes: paid leave for rehired employees; advance refunding of credits; s...

The U.S. Department of Labor (DOL) published its Final Rule on the paid sick leave and family leave requirements of the Families First Coronavirus Response Act (FFCRA). The Final Rule supplements and clarifies the multiple FFCRA Q&A publications the DOL has issued. A review of the key provisions is provided, including how the family leave provi...

A new normal has emerged out of the COVID-19 pandemic, particularly for business owners who are ready to reopen. With each operation unique in its needs, reopening can feel both invigorating and overwhelming. A list of resources are provided here to help you move forward confidently. Not only is this a time to restart and rebuild, it&rsqu...

Businesses that sell basic necessities are facing overwhelming demand and experiencing increased customer service inquiries, call volume, and website orders. These challenges make communicating with customers more important than ever. When implementing an effective customer-facing communications plan, there are five attributes that should be includ...

As the economic fallout of the global COVID-19 pandemic increases, state legislatures and regulators are under rising pressure to shift the resulting economic losses onto the insurance industry. One of the major issues that legislatures and regulators focus on in this respect is whether business losses related to the virus might implicate the &ldqu...

An increasing number of state legislatures have proposed bills addressing insurance companies coverage of “business interruption” insurance, which is typically applicable only to losses resulting from physical damage to property such as that caused by a fire or earthquake, and generally inapplicable to losses caused by viral or bacteria...

When an unforeseeable or disruptive event occurs—such as the COVID-19 pandemic—the transaction parties must look back at their real estate agreements and reassess their standing, rights, remedies, recourse, and relationships. To ensure good business judgment, the review on the provisions of your real estate contracts should include addr...

Cyber criminals are taking advantage of the situation created by COVID-19, and employees can inadvertently expose sensitive data or facilitate a ransomware attack. This year’s Data Security Incident Response Report addresses the data breach litigation landscape and cybersecurity strategy. The intent of the Report is to use incident response d...