Cargo Insurance: The Shipper vs. Carrier Decision

Train Cargo

If you’re a manufacturer, distributor, wholesaler or retailer whose business involves the shipment of goods, your principal decision regarding Cargo Insurance shouldn’t be whether to purchase the coverage, but from whom — the shipper or an insurance carrier?

Protecting yourself with Cargo Insurance — also known as Goods in Transit Insurance — is always the right decision. Whether by land, sea or air, shipping is full of risk, with perils including theft, fire and more. All freight carriers are legally required to carry a minimum amount of Liability Insurance, but the coverage Liability Insurance provides is insufficient to fully protect you in the event of theft or cargo damage or loss resulting from natural disaster or accident. So, Cargo Insurance is a must.

Whether to obtain it through the shipper or an insurance company comes down to which option is more cost-efficient. Continue reading

CostWatch Newsletter For Third Quarter 2021

CostWatch Newsletter

The CostWatch provides areas of cost savings specifically related to business insurance. In this issue, we examine how your experience modifier rating is calculated and it’s impact on your WC costs. You’ll also learn why you should have your experience mod regularly audited.

Click here to read the latest issue!

Interested in putting AuditRate to work for you? Contact John Przybylski to learn more,

OSHA Launches Program to Protect High-risk Workers From COVID-19

OSHA NEP Program Video

On March 12, 2021, the Occupational Health and Safety Administration (OSHA) launched a National Emphasis Program (NEP) focusing its enforcement efforts on companies with the largest number of worker at serious risk of contracting COVID-19. The program includes an increase in COVID-related hazard assessments and unannounced OSHA visits within industries who have reported high exposure, fatalities or complaints related to the virus.

The video explains further. And, you can download this compliance bulletin which discusses the approach OSHA is taking against COVID-19 through the NEP.

CostWatch Newsletter For First Quarter 2021

CostWatch Newsletter

The CostWatch provides areas of cost savings specifically related to business insurance. In this issue, we look at the three questions that provide a good indication to our AuditRate Team if your WC or GL premiums have errors. We also review the new corporate officer earnings cap numbers for 2021 and see a real life example of  just how important it is that your employees are classified correctly on your audit.

Click here to read the latest issue!

Interested in putting AuditRate to work for you? Contact John Przybylski to learn more,

How the Biden Administration May Impact Your Workplace

Market Blueprint

As with any change in administration, the shift from Trump to Biden brings vastly different philosophies, policies and implications for employers. Now backed by a Democrat-controlled Congress, the Biden administration potentially has a clearer path to legislative wins, which could significantly impact U.S. employees and employers alike.

Legislative shifts often require employers to adapt or risk penalties. Anticipated changes may mean, for example, redrafting internal policies, re-categorizing workers, and rewriting employee handbooks. Essentially, the more prepared your organization is, the easier it will be for you to thrive in this new environment.

Here is a snapshot of the hot-button issues likely to receive early attention from the new Biden administration, and some suggested actions you may take now to prepare your organization accordingly. Continue reading

Celebrating Five Years As A Best Practices Agency!

Best Practices Agency 2020For the 5th year in a row, Alper Services has been named a Best Practices Agency! We celebrate this honor based on our outstanding customer retention, growth, stability and financial management prior to becoming part of the Alera Group in August of 2020.

The award is bestowed on an elite group of independent insurance agencies around the U.S. participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) “Best Practices” Study Group. To be considered, an IIABA affiliated state association or an insurance company must first nominate an agency.

“Winning the Best Practices Agency status for the fifth year in a row is a great achievement to conclude our status as an independent agency. Our Team celebrates the win and now looks to the next chapter and new opportunities we have gained through our joining the Alera Group and partnering with GCG Financial.” says Leslie Morse, Alper’s EVP & Managing Partner.

The Best Practices Study was initiated by IIABA in 1993 as the foundation for efforts to improve agency performance. The annual study of leading independent insurance agencies, which is conducted for IIABA by Reagan Consulting, documents the business practices of these high performance agencies and urges others to adopt similar practices.

COVID-19 Vaccines & More: Practical Guidance for Employers

Stimulus Package and COVID Vaccine Webinar for Employers

NEW WEBINAR Monday, January 25  |  1:00 – 2:00 pm CST

Employers everywhere are looking for guidance on COVID-19 vaccines, regulations, and safe and effective work practices. Join Alera Group experts for a webinar to help shape your strategy and apply practical tactics. In the webinar, you’ll learn about:

⋅ Incorporating updated FFCRA and other regulations into your policies and practices
⋅ Considerations for developing your policies regarding vaccinations
⋅ Adapting your short and long-term remote and on-site workforce strategies

The last portion of the webinar will be devoted to a panel discussion. You can ask questions of the panel of Alera HR experts and leaders of mid- and large-sized companies who are managing COVID on the front lines across multiple industries and states.

CLICK HERE TO REGISTER for the webinar on Monday, January 25, 1:00 – 2:00pm CST.

Overview of ACA Reporting Requirements Webinar

New Webinar

NEW WEBINAR: Wednesday, January 13 | 11:00am – 12:00pm CST

This webinar provides an overview of 2020 ACA reporting requirements that are applicable for both large employers and self-insured plans. We will review the various reporting forms (1094-B, 1095-B, 1094-C, and 1095-C), indicator codes and affordability safe harbors. Other topics covered in this webinar include how to report for waiting periods / initial measurement periods, COBRA participants and post-employment coverage, and how to correct reporting mistakes. We will also address common questions and provide best practices.

Key takeaways include:

  1. How to complete the reporting forms for the calendar year 2020 reporting;
  2. Which indicator codes and safe harbors apply to various employment situations (e.g., waiting periods, changes in cost, changes in employment status);
  3. How to address other situations, such as opt-out payments, union employees, conditional offers of coverage to spouses, and ICHRAs

CLICK HERE TO REGISTER for this complimentary webinar on Wednesday, January 13th at 11:00am CST.