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Onsite Health Clinics are not just for the jumbo employers any more. Anticipating shortages in primary care, and frustrated with the cost and quality of care available, companies of all sizes are taking primary care in-house. Employers are also expanding the scope of their clinic services, finding many ways to…

In simple terms, a surety bond is a third party financial and/or performance guarantee of a contract or other legal obligation between two parties. While there are hundreds of bond types, the most common types are bid bonds, performance bonds, payment bonds, license bonds, estate administrator bonds, and appeal bonds.…

If you have teenagers, or will soon, don’t ever assume … … they’ll never invite friends over when you’re away. Or that their friends will never bring alcohol into your home. Teens thrive on friendships and weekend parties, but long gone are the days when teens planned those parties during…

If you are professionally successful, financially comfortable, own a nice home in an “upscale” zip code, there’s a growing threat you could become the target of a high-stakes lawsuit … simply because of your status. That’s the conclusion of a recent national survey sponsored by ACE Private Risk Services among…

It’s usually not the end of the world when your surety company says “no,” but certainly this is a position you should try to avoid.  However, when a surety does surprise you by saying “no” to your bond request, there is a disconnect somewhere between the surety, the broker, the…

The judiciary requires a surety bond to help protect property or money. Some of the most common surety bonds include:   Appeal Bonds (or Supersedeas Bonds)- stop judgment enforcements and guarantee payment when appeals are lost. Attachment Bonds (or Replevin Bonds)- help seize defendants’ property, which plaintiffs can later sell or transfer.…

With every paradigm shift, disruptions occur. We are in the midst of employee benefit landscape changes so vast that they rival the passage of ERISA in 1974. Simultaneous with PPACA provisions that affect employers (the tip of the iceberg), there is a massive restructuring of the U.S. healthcare system (the…

Putting together a surety program can range from a simple project to a complex undertaking, depending on the variables involved.  The key is to be able to identify the specific variables, steps, and level of complexity upfront, so the proper approach can be taken from the outset. The more complex…

Most surety deals for privately held companies require the personal guarantee of business owners, similar to bank credit.  When a business gets larger and stronger financially, personal guarantees may be eliminated at some point.  Keep in mind, however, that a surety is also an unsecured creditor, so the surety is…

Controlling the cost of claims is one of the pillars of our service. Our “edge” is our ability to prepare the claim properly for presentation to the carrier.  Understanding exactly what your policy coverage will respond to is most important at a time of loss.  You have paid the premium…