August 23, 2023
hillusherPersonal Umbrella: Much More Than Excess Coverage
Primary insurance policies have limits to the amount in claims they will pay. They exclude things they refuse to cover. Personal Umbrella Coverage is designed to supplement primary coverage. It can greatly increase the limits. It can also fill in gaps, covering things that the primary policies exclude. It can do these things for a […]
August 23, 2023
hillusherU.S. National Healthcare Reform: An Overview
U.S. National Healthcare Reform: An Overview for Hill & Usher Clients The Patient Protection and Affordable Care Act (PPACA; H.R. 3590) was signed into law by President Barack Obama on March 23, 2010. It was subsequently amended via The Health Care and Education Reconciliation Act of 2010 (H.R. 4872), signed into law by President Obama on […]
September 19, 2011
hillusherWhat is an Additional Insured? Good Question, in More Ways Than One
The title of this article is, “What is an Additional Insured? Good Question, in More Ways Than One.” What do we mean by “in more ways than one”?Well, most often, when someone asks a question of an expert and that expert replies, “Good question,” he or she is saying it in the sense of encouraging […]
September 13, 2011
hillusherVariety for Health Insurance Cost-Containment
Over the last two years, we seen many employers more or less freeze concerning employee Health Insurance. The Patient Protection and Affordable Care Act (PPACA) contains many changes phased in over time. Employers didn’t know how the insurance industry would respond, with what products, etc. Mostly, employers have seen coverage costs rising, even though the idea of the […]
September 12, 2011
hillusherWellness Goodness
If an ounce of prevention is worth a pound of cure, is a pound of prevention worth sixteen pounds of cure? Well (no pun intended), there just might be some geometric progression involved on top of the ratio; but even if there isn’t, a well-designed Wellness Program can be a tremendous return on investment. Read on for […]
September 8, 2011
hillusherTo Advance, Don’t Improve Departmental Safety
Below is an example of possible un-written rules the employees may devise to achieve their goals. Not contributing — Do not standout as an innovator and therefore be retained longer. [What is meant here is to not become so valuable to a given department that promotion out of that lower-level department becomes more difficult or […]
September 2, 2011
hillusherCollection Protection
When was the last time you visited the following: 1) your “Personal Articles Floater” (inland marine form; Worldwide coverage on an “all-risk” basis for scheduled, valuable personal property) or 2) the “Scheduled Personal Property” endorsement of your Homeowners policy (covering the same things as a “Personal Articles Floater“)? You really should revisit your schedule on […]
August 28, 2011
hillusherDe-Normalization of Insurance-Coverage Deviance
The basic lesson that sociologists bring is that the organization matters. If there are problems, the tendency of corporate or public agency administrators is to blame individuals. However, organization characteristics — cultures, structures, politics, economic resources, their presence or absence, their allocation, put pressure on individuals to behave in deviant ways to achieve organization goals. […]
August 25, 2011
hillusherTo Tow, or Not to Tow
So, you, or someone you know, is involved in a vehicle accident. It could be a family member or employee. Accidents happen, as the old saying goes; and whether or not a family member, employee, fellow staff-member, or you are to blame or even only partially so, the last thing anyone needs is to be […]
August 16, 2011
hillusherLions and Tigers and Bears? No, Phishers and Hackers and Scoundrels!
Are you concerned about accidentally clicking on a phishing site, being hacked, having all your keystrokes logged by a surreptitious key logger, or having your identity stolen? All of these things have regularly made the headlines, especially when they’ve happened in connection with major financial institutions. The embarrassment and loss of customer confidence is costly […]