Fire Danger in the Construction Zone

July 2015
Fires are a significant hazard on construction sites. A November 2014 National Fire Protection Association report found that between 2007 and 2011, U.S. fire departments responded to an average of 5,120 structure fires in residential properties that were either under construction or undergoing major renovation.

Business Tips: Controlling Risks for Property Owners

July 2015
Losses that occur on property you own can affect your livelihood and that of your tenants. They also can affect your insurance rates and eligibility. Without the proper controls in place, you could be saddled with the responsibility of owing for injury or damages that you did not cause.

Additional Coverages Keep You Afloat After A Flood

July 2015
Ongoing patterns of severe weather mean homeowners and business owners have experienced everything from record snowfalls and tornadoes to recurring storms with wind, hail, and record amounts of rainfall- all leading to a record number of flooded homes and businesses.

Licensed, bonded, insured: What it means to you

July 2015
You have decided to build or remodel your home or business. This is a big step, both financially and emotionally. Choosing the right contractor to complete this project is also a big decision.

IRS Releases Draft ACA Reporting Forms for Employers and Health Insurance Issuers

August 2014
On Thursday, July 24, 2014, the Internal Revenue Service (IRS) released draft forms that applicable large employers and health insurance issuers will use to report information regarding health coverage, as required under the Affordable Care Act (ACA) starting in 2015. (The first reporting will be due in the first quarter of 2016, reflecting the 2015 calendar year.)

No Play-or-Pay Penalty in States with a Federal Exchange?

July 2014
DC Appeals Court holds that premium subsidies are not available to enrollees in Federal Exchanges The U.S. Court of Appeals for the DC Circuit has dealt a serious blow to the Obama Administration today with a decision that calls into question the structural integrity of the "pay-or-play" mandates under the Affordable Care Act ("ACA").

Win Some/Lose Some: High Stakes Decisions on the Affordable Care Act Come Out For and Against the Administration

July 2014
July 22, 2014 marked a day when two different federal courts came out on opposite sides of the same question. In the morning, the U.S. Court of Appeals for the DC Circuit dealt a serious blow to the Obama Administration with a decision that called into question the structural integrity of the "pay-or-play" mandates under the Affordable Care Act ("ACA"). Later in the day, the U.S. Court of Appeals for the Fourth Circuit, sitting down the road in Richmond, came out on the other side of the question.

Innovative Benefits Funding Solutions: A Response to HCR for Small and Mid-Market Businesses

May 2014
June 12, 2014 Paducah Chamber of Commerce Community Room 300 South Third Street Paducah, KY 42002 Check-in and breakfast will begin at 8:30 a.m., with the seminar beginning at 9:15 a.m. The seminar will be held in the Paducah Chamber of Commerce's new Commerce Center.

Kentucky Becomes The 47th State To Enact A Data Breach Notification Law

May 2014
Kentucky is now the 47th state with a data breach notification law, a development that should be of interest not only to Kentucky-based entities, but also to entities that do business in Kentucky and have personal information about its residents. This alert explains how, under the new Kentucky data breach notification law, entities that collect personal information about Kentucky residents are required to provide notice when a data breach results in the unauthorized disclosure of that information. It also answers other key questions about the law.

Risk Report: Attracting & Retaining Talent

May 2014
STRATEGIC RISK – Talent is key to obtaining the strategic objectives of the organization as the business moves forward. BUSINESS RISK – A lack of talent within any organization can impact the daily operations of a business by slowing down the organization (productivity) and impacting customer retention

New Driver Medical Certification Requirements

April 2014
For commercial vehichle drivers, new medical certification procedures could soon make certification more difficult and costly.

Risk Report: Business Perpetuation

April 2014
STRATEGIC RISK – A strategic risk due to the impact it has on current and future evaluation of the company. It could also have an impact on the ability to stay in business due to a catastrophic loss (key employee or owner).

Winter Storm Preparedness for Businessess

December 2013
With a dangerous winter storm approaching, it is very easy to go into panic mode. Fortunately, our disaster recovery partner Agility Recovery stands ready to help our clients who subscribe to their services. Have you received your Agility resources to prepare for the storm?

EXECUTIVE BRIEF: Seriving Alcohol - What Party Hosts Should Know

December 2013
A person's role as a responsible party host can keep friends and family protected. Social responsibility is a term that includes everything from planning to overseeing the party.

HHS Delays Enrollment in Small-Business ACA Federal Marketplaces for One Month

October 2013
The Obama administration has announced today that the Small Business Health Options Program (SHOP) marketplaces operated by the Department of Health and Human Services (i.e., the Federal Exchanges) will not be ready for open enrollment on October 1, 2013. Rather, open enrollment will commence on November 1, 2013 with an anticipated start of coverage on January 1, 2014.

OSHA: A Valuable Asset for Small Business Risk Management

October 2013
The Occupational Safety and Health Administration, more commonly referred to as OSHA, is an agency of the United States Department of Labor. Many associate red tape and obsolete regulation with this agency however, few business owners fully understand the benefits offered by OSHA and its subsequent services designed to reduce workplace illness, injury, and fatality.

Peel & Holland named IIABA Best Practices Agency!

September 2013
Peel & Holland has been selected to be part of an elite group of independent insurance agencies around the United States participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big "I") "Best Practices" Study Group.

Guidance on HSAs, FSAs, and Employer Payment Plans

September 2013
On Friday, September 13, 2013, the IRS released Notice 2013-54 and the DOL issued Technical Release 2013-03 in substantially identical form. This guidance, which is generally effectice January 1, 2014, provides much needed clarification on the application of certain provisions of the ACA (annual limits and preventive care) to account-based plans such as HRAs and FSAs, and other types of arrangements that reimburse premiums (referred to in the guidance as "Employer Payment Plans").

Model Exchange Notice

September 2013
On September 11, 2013 in its online FAQ1, the Department of Labor confirmed the fact that currently there will be no penalties for employers surrounding a failure to issue Marketplace Notices2 (also known as “Notice of Exchange Coverage”) to employees. Some may have interpreted the new FAQ statement as being new guidance. In fact, the absence of penalties under the ACA surrounding the Exchange Notices, is not news, and has been a known under Fair Labor Standards Act (FLSA) §18b.

The Cost and Removal of Workplace Stress

September 2013
Workplace stress, also referred to as occupational stress, is defined as a “perceived imbalance between the demands made of an employee and the resources they have available to cope with those demands." Four out of five American workers are thought to be affected however; few employers understand the ramifications that this stress has on not only their business, but also their bottom lines.

Marshall County Chamber Biscuits & Business Breakfast

September 2013
Join the Marshall County Chamber of Commerce Biscuits & Business Breakfast on Wednesday, September 18 with guest speakers Heather Elliott of Peel & Holland and Jill Chambers of Kemper CPA Group.

Inform on Reform Webinar: Affordable Care Act Q&A

September 2013
Join us for this live online webinar as Attorney Whitney Wallingford and Benefits Advisor Greg Carlton talk through the top questions and their answers!

Good Management Pays Well

September 2013
What qualifies a company to be considered under good management? How does this measurement affect your policy premiums? It is no surprise that insurance companies seek to partner with risk-avoiding management staffs as those that are committed to reducing their losses are ideal candidates for agencies and providers. To attract partnerships with companies possessing ideal ownership, insurance companies offer an enticing incentive.

Updated IRS Rules for HSAs & Preventive Care

September 2013
On September 10, 2013, the IRS issued Notice 2013-57 modifying the definition of “preventive care” for purposes of the HSA-qualified health plans (aka HDHPs). Essentially, this new guidance removes any potential conflict between the different definitions of preventive care under the ACA and the HSA statutes.

Quarterly HR Webinar: The Hiring Checklist on September 13

September 2013
We are excited to announce our partnership with trusted advisor Capstone Human Resource Services to provide HR professionals in our region with a quarterly webinar on a human resources topic. Randy Fox, Senior Partner at Capstone, will present each of the four sessions. The third webinar in this series will take place on September 13th.

Are You Susceptible to Legal Action Against Your Professionalism?

September 2013
Malpractice and negligence can be two of the most frightening words when paired with your name, your profession, or your business. However feared these accusations may be; claims are brought against professionals every day - even to some of the best in their fields. Most never see it coming, and many are not prepared. Are you covered by your insurance policy if such claims are brought against you? Here are two real-life cases that you may be able to relate to.

Employee Engagement through the HCR Process Webinar

September 2013
You may have your health care reform strategy lined out, but have you thought about how to explain it to employees? Are you starting to get questions from them that you're unsure of how to answer? How do you explain your decisions to them while ensuring you can keep your key employees?

Managing Landlord-Tenant Risks

September 2013
Managing rental property can be a rewarding, yet risky business. In addition to many other responsibilities, you must ensure the property is a safe habitat, as you could be liable for lawsuits that arise because of injuries sustained. What steps are you taking to reduce the likelihood of lawsuits?

Inform on Reform Webinar: Employee Engagement on Aug. 29

August 2013
Our next session of Inform on Reform will be a live online webinar held from 8:30-9:30 a.m. CST on Thursday, August 29th. This month's topic is Employee Engagement through the Health Care Reform Process. Speakers include Jeff Elias, HR Director for Benefit Advisors Network and Randy Fox, Founding Partner of Capstone HR.

10 Dangerous Distracted Driving Habits

August 2013
Distracted driving can be attributed to a number of factors. Here are ten dangerous distractions that every driver should avoid.

Employee Fraud in the Workplace

August 2013
Although a workplace can put precautions, such as a loss prevention program, into place to deter this type of crime from occurring, there is always an opportunity for theft, fraud, and dishonesty. Employee dishonesty coverage protects businesses against this. Dishonesty insurance offers a degree of protection to employers from deliberate acts of dishonesty including theft of money, assets, property, and information. It may cover property the organization owns or leases, property of others in the organization's custody, and property for which the organization has legal liability.

Do Return-to-Work Programs Really Work?

August 2013
Return-to-Work programs help ensure smooth, earlier transitions from injury or illness back into the workplace. Implementing a RTW program can manage workers’ compensation and disability costs, which can result in substantial savings.

Tornado Preparedness in the Workplace

August 2013
Tornadoes strike quickly with little or no warning, and when they do strike, businesses can suffer. Taking precautions in advance of the storms is the most important step you can take to help keep you and your employees safe.

Introducing Work Comp Webinar Series

July 2013
In this information-packed webinar series, you'll discover a wealth of strategies, insider tips, tools, and more to help you manage your entire workers' compensation plan more effectively. This will provide you with real-world, proven ideas, strategies, and techniques that other successful organizations are putting into practice right now.

Next Webinar in HR Series: FMLA - the Old and the New

May 2013
The second webinar in our HR webinar series will be held on Thursday, June 13th, from 8:30-9:30 a.m. CST. This will be a live online webinar.

Press Release: Peel & Holland Partners with Capstone HR

April 2013
Peel & Holland has partnered with Capstone Human Resource Services to provide strategic human resources consulting to its clients.

Peel & Holland Partnering with Capstone HR to Provide HR Webinar Series

March 2013
Peel & Holland is partnering with Capstone HR to provide a Human Resources Webinar Series. We invite you to join us for this free series, which will begin on April 4th. Randy Fox of Capstone HR will be discussing Interviewing Do's and Don'ts (with an emphasis on the do's).

Is Your Business Prepared For a Disaster?

September 2012
September is National Preparedness Month. In collaboration with the Ready Campaign, Agility Recovery solutions is urging business to prepare for disasters.