Entries by Carol LaCombe

New OSHA Incident Reporting Rules

Effective January 1, 2017; certain employers are required to electronically submit injury and illness data that they already record on paper and retain onsite. Electronic date will enable OSHA to quickly analyze injury data and use its enforcement and assistance resources more efficiently. The data will also be available to the public. OSHA believes that […]

Understanding the Commercial General Liability Coverage Form (CGL)

The CGL (Commercial General Liability) covers companies from third party liability due to negligent acts, actual or alleged, committed by the insured or by someone working on their behalf. There are 3 coverage sections under the Commercial General Liability policy: Coverage A: Bodily Injury and Property Damage Liability Coverage A provides protection against losses from the […]

Market Stabilization Final Rule Issued

On April 14, 2017, the Department of Health and Human Services (HHS) issued a market stabilization final rule under the Affordable Care Act (ACA). The final rule includes new reforms intended to help lower premiums, stabilize the individual and small group health insurance markets and increase choices for the 2018 plan year. Specifically, the rule […]

ACA Replacement Bill for Withdrawn, Now What?

In late March 2017, Republican leadership in the U.S. House of Representatives withdrew the American Health Care Act (AHCA) and were unsuccessful at replacing and repealing the Affordable Care Act (ACA). Because the House was unable to pass the AHCA, the ACA remains current law, and employers must continue to comply with all applicable ACA provisions. […]

Retirement Needs are Likely Higher then You Think

What haven’t I done yet? Clients may want to check a few items off their bucket list right away What didn’t I have time for? With an additional 40-60 hours on hand per week, clients can take on projects that they never got around to like remodeling the kitchen How can I say no to […]

When it Rains it Pours

Umbrella insurance is extra liability insurance.  It helps to protect you and your assets from major claims and big-ticket lawsuits.  An umbrella insurance policy provides liability above and beyond the limits of your insurance policies and may cover claims that are excluded by other liability policies. No matter how hard you try to avoid them; accidents […]

Professional Liability Insurance

Does your business counsel or provide advice to other businesses? If so, you’ll likely want to purchase professional liability insurance commonly known as errors and omissions insurance. Professional liability insurance is a type of liability coverage designed to protect professionals including but not limited to:  accountants, attorneys, real estate brokers and consultants, against liability incurred […]

Cleary Community Outreach

Presented by Michael Regan Cleary Insurance is a member of the National Association of Surety Bond Producers (NASBP), which is the national professional organization for agencies that have a specialty in surety bonding.  We take pride in reaching out to contractors who may need assistance when obtaining surety bonding. Small, emerging, disadvantaged, minority, women owned, […]

Effect of Interest Rates on Investing

Presented by Douglas W. Greene CFP® CLU® As a result of the prolonged Federal Reserve’s involvement in stimulating the economy, interest rates are and have been at extreme lows. Over the course of the next five to ten years, the Fed is expected to pull back its control in a way which will allow rates […]

Ice Dam Guide

What is an Ice Dam? Ice dams are ridges of ice that form at the edge of a roof and prevent melting snow from draining off your roof. Water that backs up behind the dam can leak into your home and cause damage. Walls, insulation and ceilings are at the greatest risk for damage from […]