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Workplace Wellness Insights: Public Health Experts Warn of a Twindemic This Winter

Oct 1, 2020

Each month, we send out our RK Healthy Workforce wellness newsletter. In it, we provide health and wellness tips for your work and life. This month, we’re focusing on the possibility of a “twindemic” this winter with surges of COVID-19 cases and another deadly flu season.

Social Engineering Cyberattacks: What to Know and How to Mitigate Risk

Sep 24, 2020

Online manipulation through social engineering is widespread and can have a negative effect on businesses. Unfortunately, these scams are on the rise. Having strong cybersecurity and a comprehensive insurance plan that covers online breaches is very important for companies today.

OSHA’s Temporary Respirator Compliance Guidance During COVID-19: What Employers Need to Know

Sep 21, 2020

OSHA recently issued temporary enforcement guidance for the Respiratory Protection standard (29 CFR 1910.134). This is based on N-95 filtering facepiece respirators (FFRs) and fit testing supply shortages during the COVID-19 pandemic.

What Rapid Changes in Umbrella and Excess Liability Markets Mean for Policyholders

Sep 17, 2020

One topic that we are following quite closely at Rose & Kiernan, Inc. are rapid changes in umbrella and excess liability markets and what these changes mean for policyholders.

Social inflation verdicts happen in a courtroom, which is shown in this photo.

The Trend Toward Social Inflation Verdicts and their Impact on Liability Costs

Sep 10, 2020

In the insurance world, social inflation leads to rising litigation costs and their impact on insurers’ claim payouts, loss ratios, and, ultimately, how much policyholders pay for coverage.

Workplace Wellness Insights: Choosing an Effective Hand Sanitizer

Sep 8, 2020

Each month, we send out our RK Healthy Workforce wellness newsletter. In it, we provide health and wellness tips for your work and life. This month, we’re focusing on how to be sure you choose the best hand sanitizer to avoid getting sick and spreading germs, even as the product remains difficult to find on store shelves.

The Impact of COVID-19 on Insurance for Higher Education Institutions

Sep 2, 2020

The COVID-19 pandemic has had an impact on many industries, including higher education. There are a few considerations related to the impact of COVID-19 on insurance for higher education institutions.

2021 benefits planning has been impacted by the COVID-19 pandemic. Image shows the word "benefits" written in a planning notebook.

2021 Benefits Planning and COVID-19: Considerations for Employers

Aug 31, 2020

We have seen the effects of the COVID-19 pandemic on many things, including 2021 benefit planning. We’ve outlined some common changes that are being made for the 2021 open enrollment season.

This year's OEP fairs move online as the coronavirus pandemic continues to have impacts around the country.

The Fall 2020 Open Enrollment Period: Employers Move Benefit Fairs Online

Aug 26, 2020

This year’s fall open enrollment period looks very different due to COVID-19. Employers and employee benefits professionals are looking at taking open enrollment fairs online. Here are some tips for supporting a virtual benefits fair.

Notes on the ACA out-of-pocket maximums for health insurance

Notes on the Affordable Care Act (ACA) Out-of-Pocket (OOP) Maximums & Affordability Limits for 2021

Aug 24, 2020

Last month, the Notice of Benefit and Payment Parameters for 2021 from the U.S. Department of Health and Human Services (HHS) went into effect. Among other things, this notice provides adjustment factors that determine cost-sharing limits for the Affordable Care Act (ACA)’s out-of-pocket (OOP) maximums.