Snow and Ice: What is Your Liability?

Commercial property owners need to be concerned about potential liability issues involving ice and snow. While the level of landlord and property owner responsibility varies by state, a consistent duty of responsibility exists to ensure that sidewalks, driveways and parking lots are maintained. Some states, such as Massachusetts, have increased the level of landlord responsibility for the removal of ice and snow. A Massachusetts Supreme Court ruling in 2010 applied a “reasonable care standard” that requires landlords to take reasonable steps to keep their property free from dangerous conditions such as the accumulation of ice and snow. Landlords and property owners must therefore act as a “reasonable person” to make sure snow and ice are removed to make conditions safe.

The following are a sample of management considerations for dealing with snow and ice removal from public areas such as parking lots and sidewalks:

  • Develop and implement a written plan to define issues such as frequency of removal.
  • Designate someone to monitor weather conditions, walking surfaces and effectiveness of removal practices.
  • Record removal activities in a log that includes date, time, weather condition and action.
  • Use a professional snow removal contractor. Be clear about performance standards and make sure contractor carries appropriate and sufficient insurance.
  • Be aware of melting and refreezing.

Many cities and towns have passed ordinances that specify property owner requirements for maintaining adjacent sidewalks. For example, the City of Boston requires commercial property owners to clear sidewalks within three hours of snowfall ending or three hours after sunrise if it snows overnight. Worcester has a similar requirement but dictates sidewalks must be clear within 10 hours after snow ceases to fall. Violators are susceptible to a daily fine. Check with your city or town for specific snow clearing responsibilities. Examples of ordinances for some local communities can be found below:

Boston: Snow Removal
Worcester: Snow Emergency Guidelines
Somerville: Shoveling Regulations and Information
Quincy: Be a Good Neighbor
Cambridge: The Works Property Owner Responsibility

At Cleary, we will evaluate your business exposures and work with you to develop a comprehensive plan to safeguard your business. Give us a call today at 617-723-0700.

Winter Storm Weather Preparation

With severe winter weather in the forecast, it’s important to take some time now to be sure you’re prepared. Here’s a list of items to have on hand before the storm begins.

Check your food and water supplies

  • Water-at least a three-day supply; one gallon per person, per day
  • Food-at least a three-day supply of non-perishable, high-energy, easy-to-prepare foods
  • Baby formula and food
  • Pet food

Tip #l
Set your refrigerator and freezer to the coldest settings in case the power goes out.

Prep your heating and lighting sources

  • Have on hand extra blankets to stay warm
  • Generator, and gas to run for 24+ hours
  • Candles
  • Flashlights and extra batteries
  • Check your alternate heating methods, such as fireplaces or wood- or coal-burning stoves
  • Fire extinguisher

Tip #2
Never use a generator inside and be sure it’s placed outside where exhaust fumes can’t enter through windows, doors or cracks. Always take safety precautions.

Be smart about electronics

  • Ensure your carbon monoxide detectors are fully functioning. Most detectors have a ten year life, have you checked the date on your detectors?
  • Fully charge your cell phones,tablets, etc.
  • Find your battery-powered or hand-crank radio
  • Have extra batteries on hand

Tip #3
Tempted to play games on your phone during the storm? Save the charge in case there’s an emergency.

Be ready to clear snow and ice

  • Shovels and tools for clearing snow and ice
  • Sand, rock salt or non-clumping kitty litter to make walkways and steps less slippery
  • Snow blower gassed (start it to ensure it’s ready)

Tip #4
A roof rake that can be used to remove snow from your roof can help prevent structural and water damage to your home.

Check medical and personal hygiene supplies

  • Medications – have at least a seven-day supply
  • Medical items – hearing aids with extra batteries (you can check this related site here to compare best ones), glasses, contact lenses, syringes, etc.
  • Sanitation and personal hygiene items
  • Baby diapers and wipes
  • First aid kit

Tip #5
If you are low on medications, visit your pharmacy to ensure you have enough for one week. And,don’t forget hand sanitizer.

Keep important information and extra money handy

  • Family and emergency contact information Local emergency contacts
  • Copies of personal documents
  • Extra cash – in case there is no power (no ATM)

Tip #6
Be sure to have the phone numbers of your insurance company as well as Cleary Insurance should you need to file a claim.

Sources: Red Cross, National Fire Protection Association, The Hanover Risk Management

Concerned about your personal insurance coverage? At Cleary, our experienced Personal Lines department will work with you to evaluate your insurance needs, identify exposures, and create a customized insurance portfolio. Give us a call today at 617-723-0700.

New Spending Bill Delays Cadillac Tax

On Dec. 18, 2015, President Barack Obama signed a $1.1 trillion year-end spending agreement into law that prevented a government shutdown and funds the federal government through the 2016 fiscal year.

Among its many provisions, the new legislation affects three major Affordable Care Act (ACA) taxes. The first, and perhaps the most controversial, is the “Cadillac tax,” which would levy a 40 percent excise tax on employer health plans that are deemed to be overly generous. This tax would affect health plans that cost more than $10,200 for an individual and $27,500 for a family.

The Cadillac tax is intended to help slow health care spending and finance the expansion of health coverage under the ACA. However, many politicians across party lines oppose the tax because they believe it will force employers to shift more health care costs onto employees, many of whom are already facing high out-of-pocket costs. Politicians have also experienced significant push back from unions and employers regarding the tax.

The Cadillac tax was slated to take effect at the beginning of 2018; however, the new legislation delays its implementation another two years (until 2020). The new law also makes the Cadillac tax a tax-deductible expense for employers, which could help alleviate the tax’s burden.

The future of the Cadillac tax remains uncertain, especially with the upcoming presidential election. Republican and Democratic presidential candidates alike have stated that they support a repeal of the Cadillac tax—putting its future into jeopardy.

Despite this recent delay and the uncertainty surrounding the tax, employers would be wise to review their health plans to determine if they could be held liable if the tax is implemented as well as identify any cost-saving strategies that can be taken in the meantime.

In addition to the Cadillac tax, the law also includes a two-year suspension on the ACA’s medical device tax, which requires manufacturers and importers to pay a 2.3 percent excise tax on certain medical devices. The medical device tax initially took effect in 2013, but under the new law, it is suspended until the end of 2017. The new law also suspends a tax on health insurance providers for the 2017 calendar year.

Final ACA Market Reform Rules Released
On Nov. 18, 2015, the Departments of Labor, Health and Human Services and the Treasury (Departments) issued final regulations regarding a number of ACA market reform requirements, including annual limits, dependent coverage up to age 26 and patient protections.

While this final rule largely reaffirms proposed interim final rules, there are a few measures to be aware of. For example, the final rule clarifies that lifetime and annual dollar limits on essential health benefits (EHBs) are generally prohibited, regardless of whether care is provided in network or out of network.

In regards to dependent coverage, the final rule confirms that a plan or issuer cannot deny or restrict coverage based on a child’s financial dependency, residency, student status or employment. The term “child” refers to a son, daughter, stepson, stepdaughter, adopted child or eligible foster child. Plans are not required to make coverage available to grandchildren.

The final rule also addresses patient protection requirements, including clarifying that a plan or issuer may not require a female participant (of any age) to obtain an authorization or referral for obstetric or gynecological care provided in network. Plans and issuers, however, are allowed to apply reasonable and appropriate geographic limitations with respect to participating primary care providers.

In the final rule, the IRS declined to define the term “primary care provider.” Instead, this term should be determined under the terms of an employer’s plan or coverage and in accordance with state law.

These are just a few of the provisions outlined in the final rule. Other topics covered include grandfathered plans, per-existing condition exclusions, recessions, and internal and external appeals.

The final rule is effective for plan years beginning on or after Jan. 1, 2017. For a more complete understanding of the final rule and what it means for you, contact Cleary Insurance, Inc. today.

ACA Automatic Enrollment Requirement Repealed
On Nov. 2, 2015, President Obama signed into law the Bipartisan Budget Act of 2015, which includes a provision repealing the ACA’s automatic enrollment requirement.

Previously, under the ACA, certain large employers would have been required to automatically enroll new employees and re-enroll current employees in one of the employer’s health plans, subject to a permissible waiting period. This requirement would have applied to employers subject to the Fair Labor Standards Act (FLSA) with more than 200 full-time employees.

Some experts opposed the automatic enrollment requirement because they believed it would cause administrative issues for employers, such as having an employee enrolled in the employer’s coverage who is also covered by a spouse’s plan. The requirement was intended to take effect once final regulations were issued and an effective date was set.

Under the new law, though, employers will not be required to automatically enroll employees in coverage. In certain cases, however, employers can choose to create an automatic enrollment process if employees are provided enough notice and the opportunity to opt out of the plan. Employers should also be aware of any applicable wage withholding laws in their state, which may require an affirmative election for employees before any payroll deductions can be legally made.

For more information about setting up an automatic enrollment option, contact Cleary Insurance, Inc.

The information contained in this newsletter is not intended as legal or medical advice. Please consult a professional for more information.

© 2015 Zywave, Inc. All rights reserved.

At Cleary, we know how important a comprehensive benefits package can be to your continued success. Give us a call today at 617-723-0700 and we will work with you to create a plan that meets your business objectives, takes into account state and federal laws, and capitalizes on incentives and innovative solutions now being offered.

Newsletter Sign Up


By submitting this form, you are consenting to receive marketing emails from: . You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact

Recent Posts

Archives

Categories