Sanford & Tatum Blog
All You Ever Wanted to Know About Insurance
U.S. Coastal Communities Could Become Uninsurable
Thursday, December 28, 2023
- U.S. Coastal Communities Could Become Uninsurable - It’s been all storm no calm for property insurance buyers in coastal regions in recent years, and many catastrophe-prone communities run the risk of becoming...
News Brief: Q2 P&C Industry Combined Ratio, Net Income at Worst Levels Since 2011
Wednesday, November 15, 2023
Q2 P&C Industry Combined Ratio, Net Income at Worst Levels Since 2011 - Mounting underwriting losses pushed second-quarter property/casualty insurance industry net income and profitability to the worst levels since...
Know Your Insurance: Replacement Cost vs. Actual Cash Value
Friday, September 22, 2023
- - Replacement Cost vs. Actual Cash Value - Your homeowners insurance policy can offer financial protection in the event of an unexpected disaster involving your home or personal property. But how you will be...
2024
April
- Compliance Bulletin: Mental Health Parity Compliance Remains a Key Focus in 2024
- News Brief: Study Shows 40% of Insured Workers Delay Health Care Due to Costs
- Legal Update: U.S. Supreme Court Rules That Mandatory Job Transfer Can Be Discriminatory Under Title VII
- Work Comp Insights : How Return-to-Work Programs Impact Workers’ Compensation Expenses
- Benefits Insights: Health Care Costs and Your Employee Health Plan
- Live Well, Work Well : Breaking Down Mental Health Stigma
- Mental Health Minute: May 2024
- Legal Update: EEOC Releases Final Rule Implementing Pregnant Workers Fairness Act
- HR Brief: May 2024
- Cyber Risks & Liabilities: Cloud Security Management Explained
- Benefits and Me: May 2024
- Compliance Overview: OSHA’s Worker Walkaround Designation Process Frequently Asked Questions
- HR Compliance Bulletin: Preparing for the DOL’s New Overtime Rule
- Compliance Bulletin: Form 5500 Deadline is July 31st
- Legal Update: ACA Information Reporting Penalties Increased for Returns Filed in 2025
- Coverage Insights: Differences Between Traditional and Cyber Business Interruption Policies
- Coverage Insights: Understanding Common CGL Policy Exclusions
- Know Your Insurance: Auto
- News Brief: Vehicle Thefts Hit a New Record in 2023: NICB
- News Brief: Report Highlights Growing Demand for Family-friendly Benefits
- HR Insights: 4 Ways AI Will Impact the Workplace in 2024
- Risk Insights: Health Care Industry Trends to Watch in 2024
- Legal Update: New TX Law Prohibits COVID-19 Vaccination Mandates
- Know Your Insurance: 2024 Auto Market
- Know Your Insurance: Tips for Home Buyers in 2024
- Legal Update: DOL Releases Benefit-related Penalty Amounts for 2024
- HR Insights: 2023 Employment Law Changes Important in 2024
- Work Comp Insights: Benefits of Return-to-Work Programs for Employers and Employees
- Compliance Overview: Top Health Plan Compliance Issues for 2024
- Data Breach Class Actions Skyrocketed in 2023
- 5 Employment Policies to Review in 2024
- HR Insights: The Business Implications of the DOL’s New Independent Contractor Rule
- Top 2024 Wellness Trends
- Legal Update: OSHA Proposes to Issue a New Emergency Response Standard
- Work Comp Insights: NCCI Experience Modification Factor 2024 Changes FAQs
- 7 Key Employee Benefits Trends in 2024
January
- Mental Health Minute - January 2024
- HR Insights: Early-career and Entry-level Development Programs to Attract Talent
- Legal Update: OSHA Form 300A Posting Requirements Begin Feb. 1
- News Brief: House Passes Bipartisan Act to Lower Health Care Costs and Increase Price Transparency
- News Brief: Workplace Fatalities Up 5.7% According to Bureau of Labor Statistics
- Benefits and Risks of Rooftop Solar Panels for Commercial Properties
- Legal Update: OSHA’s Safety and Health Bulletin on Safety Helmets in the Workplace
- HR Insights: 8 Tips for Modernizing Hiring in 2024
- Live Well, Work Well - January 2024
- Benefits Breakdown - January 2024
2023
December
- U.S. Coastal Communities Could Become Uninsurable
- HR Insights: Responding to the EEOC’s Increased Focus on Mental Health Discrimination
- Protecting Your Business Against Frozen Pipes and Sprinkler Systems
- Home Care for the Common Cold and Flu
- OSHA's Top 10 Most Frequently Cited - 2023
- DOT Accidents - What is reportable?
- Penalties for HIPPA Violations Increase
- Mental Health Minute - December 2023
- Live Well, Work Well - December 2023
November
- NCCI Experience Modification Factor 2024 Changes FAQs
- Risk Insights: Understanding, Preventing and Mitigating Workplace Violence
- Understanding Protective Safeguards Endorsements (PSEs)
- EEOC Opens EEO-1 Reporting Portal for 2022 Workforce Data
- Cyber Risks & Liability: MGM Cyberattack Emphasizes Need for Layered Digital Defenses
- News Brief: Q2 P&C Industry Combined Ratio, Net Income at Worst Levels Since 2011
- Live Well, Work Well - November 2023
- Mental Health Minute - November 2023
October
- HR Insights: Preparing for the Fall and Winter Virus Season
- Know Your Insurance: Auto Liability
- Work Comp Insights: Reading an Experience Modification Worksheet
- Risk Insights: AI + Employment Decision
- Work Comp Insights: Interstate vs. Intrastate Experience Modification Rating
- Coverage Insights: Commercial Property
- Safety Matters: Driving Tips
- Think Well, Be Well: Sleep + Mental Health
- News Brief: EEOC Significantly Increased Discrimination Lawsuits in FY 2023
- Risk Insights: Board Orientation
- News Brief: U.S. Sets Record for Billion-dollar Weather and Climate Disasters in 2023
- Cyber Update: MGM Cyberattack Emphasizes Need for Layered Defenses
- Live Well, Work Well - October 2023
- Mental Health Minute - October 2023
September
- Know Your Insurance: Home Premiums
- Compliance Overview: Open Enrollment 2024 – Health Savings Accounts (HSAs)
- Legal Update: SEC Adopts Final Rules for Public Companies’ Cybersecurity Disclosures
- Know Your Insurance: Replacement Cost vs. Actual Cash Value
- Benefits Insights: Educating Young Employees on Open Enrollment
- Safety Matters: Construction + Extreme Heat
- Coverage Insights: Professional Liability Insurance Trends in the Legal Sector
- Mental Health Minute - September
- Live Well, Work Well - September 2023
August
- Legal Update: Workplace Violence Poster Required in Texas
- Cyber Update: Average Data Breach Costs $4.4M
- Cyber Liability: The Value of Cyber Insurance
- News Brief - June Hailstorms Across U.S. Caused an Estimated $5.5B in Insured Losses
- Live Well, Work Well - August 2023
- 2023 Commercial Property Insurance Midyear Market Outlook
- Legal Update: New Form I-9 Available
July
May
April
March
February
January
2022
December
November
October
September
- Live Well, Work Well- October 2022
- Cyber Liability: The Importance of Two-factor Authentication
- Work Comp Insights: Five Strategies for Reducing Workers’ Compensation Costs
- Coverage Insights: General Liability Exposures Every Organization Should Know
- Risk Insights: Understanding How Habits Work to Influence Safety
August
July
June
May
April
March
February
January
- Legal Update: OSHA Withdraws COVID-19 ETS, but Not the Proposed Permanent Rule
- Winter Safety: Driving
- Property Management Risk Insights: Winter Weather Liabilities
- Benefits Insights: 4 Strategies for Reducing Health Benefits Costs in 2022
- Legal Update: Supreme Court Stays OSHA ETS Vaccination and Testing Mandate
- Legal Update: Agencies Issue Guidance on Coverage of OTC COVID-19 Tests
2021
December
- Live Well, Work Well - January 2022
- Legal Update: EEOC Issues New Guidance on COVID-19 and ADA Disability
- Legal Update: Court Reinstates OSHA Vaccination Mandate for Private Employers
- Auto Insights: Prepare Your Vehicle for Winter
- Safety Matters: Avoid Winter Slip-ups
- Know Your Insurance: Life Events that Affect Your Insurance Needs
- Compliance Overview: Employee Benefit Plan Limits for 2022
November
October
September
August
July
June
- Cyber Update: White House Issues Ransomware Prevention Guidance to Businesses
- Firework Safety
- OSHA's COVID-19 Healthcare Emergency Temporary Standard
- News Brief - Fatal Accidents Increased 7% in 2020, Despite Fewer Drivers
- Cyber Risks & Liabilities
- Health Care Claims May Surge in 2021
- Safety Matters - Avoid Heat Illness
- Cyber Security for Small Businesses
- EEOC Issues New FAQs on COVID-19 Vaccine Programs & Incentives
May
April
March
February
January
2020
December
November
October
September
August
July
- Family Medical Leave Act (FMLA) update July 2020
- Vaccination requirements could pit safety concerns vs. ADA, Title VII
- U.S. Department of Labor Publishes Frequently Asked Questions and Answers To Help Keep Workers Safe During the Coronavirus Pandemic
- Guidance for Suspected or Confirmed Cases of COVID-19 in the Workplace
June
May
- FMCSA Revises Hours of Service (HOS)
- HSA Limits Increase for 2021
- Did you know there are 11 new translations of OSHA's poster to help prevent workplace coronavirus exposure?
- Seven Steps to Correctly Wear a Respirator at Work
- Ten Steps All Workplaces Can Take to Reduce Risk of Exposure to Coronavirus
- Form I-9 Announcement and M-274 Employer Manual
- Dentistry Workers and Employers - Steps to Stay Safe
April
- Heat Illness Prevention
- Return to Work Resource Guide
- DOL Ends Temporary Non-Enforcement of Paid Leave Protections
- DOL Issues Alert to Help Keep Construction Workers Safe During the Coronavirus Pandemic
- Cyber Liability - Coronavirus and Remote Work Cyber Risks
- Pre-Employment Drug Testing for Furloughed Drivers
- Reopening a Business After the Coronavirus Shutdown: Things to consider as we look to the future
- Important Payroll Record Information from one of our Valued Insurance Partners
- DOL Regulations for Families First Coronavirus Response Act Update
- U.S. DEPARTMENT OF LABOR ISSUES GUIDANCE FOR RESPIRATORY PROTECTION DURING N95 SHORTAGE DUE TO COVID-19 PANDEMIC
- CARES Act - Small Business Loan Overview
- COVID-19-Related Tax Credits for Required Paid Leave Provided by Small and Midsize Businesses FAQs
March
- Department of Labor - Families First Coronavirus Response Act Posters
- Families First Coronavirus Response Act: Questions and Answers
- Families First Coronavirus Response Act
- IRS Issues Guidance on Tax Credits for Coronavirus Paid Leave
- Coronavirus Paid Leave Bill Signed into Law
- Maintaining Mental Well-Being During a Quarantine
- COVID-19 vs Influenza
- Coronavirus Facts and Information
Recent Articles
- Compliance Bulletin: Mental Health Parity Compliance Remains a Key Focus in 2024 April 24, 2024
- News Brief: Study Shows 40% of Insured Workers Delay Health Care Due to Costs April 24, 2024
- Legal Update: U.S. Supreme Court Rules That Mandatory Job Transfer Can Be Discriminatory Under Title VII April 24, 2024
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