AHT BLOG & NEWS
Utah’s MDMA and Psilocybin Pilot Program
The recent launch of Utah's MDMA and psilocybin pilot program signifies a transformative shift for the region's mental health practitioners. read more
Psilocybin Microdosing
Microdosing involves taking a small dose of the substance to produce mild effects on a regular basis. This non-traditional approach has read more
New PTSD Treatment
The FDA has granted priority review for a New Drug Application (NDA) for MDMA-assisted therapy for Post Traumatic Stress Disorder ... read more
Off-label Drug Use
To cover or not is the question many U.S. insurance companies and employers continue to ponder when it comes to obesity medications, ... read more
Pharmacy Benefit Managers
Limited price transparency. Lack of competition. Changing formularies. Spread pricing. These are just some of the issues that employers read more
Upskilling for the Silver Tsunami Using AI
They have embraced technology, particularly AI tools and platforms, to upskill and retrain their employees to deal with shifting ... read more
That Time of the Year: AHT’s Risk and Insurance Benchmarking Report
It’s that time of year again and I’m not talking about the winter holidays – though it is that time of year, too. No, of course I’m ... read more
BRP Group, Inc.’s AHT Insurance Launches First-Ever Psychedelic Therapy Malpractice Insurance Program
BRP Group, Inc.’s AHT Insurance Launches First-Ever Psychedelic Therapy Malpractice Insurance Program - Program offers previously ... read more
Your Guide to Holiday Travel
Planning holiday travel is an exhilarating time, from visiting family and friends to taking a trip to just relax before the new year, ... read more
REVELATIONS, REGULATIONS, & RISKS: Part 4
John Clay Blankenship (Clay) is a Principal Director at Booz Allen Hamilton. He heads the U.S. Incident Response Solutions team. Clay ... read more
Inflation-Fighting Benefits to Help Your Employees Manage Challenging Times
According to the recent Stress in America™ survey from the American Psychological Association, almost nine out of ten (87%) Americans ... read more
7 Cybersecurity Tips to Secure Your Mobile Device
Securing your mobile device is an important step to help protect your personal information and prevent cyberattacks. Below, we guide ... read more
REVELATIONS, REGULATIONS, & RISKS: Part 3
Sarah Sargent is a member of the Data Privacy, Cybersecurity & Technology practice. She holds the CIPP/US, CIPP/E and CIPM ... read more
Securing Your Home Wi-Fi in 6 Easy Steps
Chatting online with friends, streaming movies, or banking online is convenient and easy. But cybercriminals look for vulnerabilities ... read more
Employer-Offered Housing Benefits
Today, a combination of market trends, economic factors, and low supply/high demand forces has transformed the idea of owning a home ... read more
REVELATIONS, REGULATIONS, & RISKS: Part 2
Threat actors don’t discriminate. Although some attacks have deliberate targets, most compromises occur before the hacker even knows ... read more
REVELATIONS, REGULATIONS, & RISKS: Part 1
Cyber insurance continues to prove valuable to clients in all industries. Historically, small businesses haven't considered themselves ... read more
Employer’s Balancing Act: Part 3
Since the pandemic, U.S. employers have faced a barrage of challenges, including structuring cost-effective, yet competitive health ... read more
Employer’s Balancing Act: Part 2
Finding the right balance between containing healthcare benefits costs and providing employees with the benefits they need can seem ... read more
Employer’s Balancing Act: Part 1
Today’s benefits market presents a delicate balancing act for employers. The crux of the matter centers around how can they continue to read more
Losing Homeowners Insurance
A homeowner’s insurance policy helps provide financial security against damage to your home or personal property, theft, and liability ... read more
Insuring Hobby Farms
For many people seeking a simpler life and a closer connection to nature, they opt to nurture their land, grow vegetable crops, or ... read more
7 Steps to Start Building a Non-Discrimination Policy
Employees want to feel valued and protected from discrimination in the workplace. Employers can demonstrate their commitment to ... read more
Pride Month: Adding Inclusive Employee Benefits
Pride Month is a time to celebrate and honor the LGBTQ+ community and its history - a time for LGBTQ+ people and allies to come ... read more
From Europe to the United States – GDPR’s Influence on American Privacy Laws
If you’ve visited a website in the past few years, you’ve likely encountered some type of pop-up message informing you of how that ... read more
A Guide to Employee Practices Liability Insurance
Employment Practices Liability Insurance (EPLI) is a type of insurance coverage that protects businesses against claims made by ... read more
What Employees Want – Data Privacy
According to global market research company, Forrester, more than half of employees wish they had more privacy and security protection ... read more
Keeping up with the FTC
The vast majority of businesses digitally handle and store individuals’ confidential data in some capacity and rely on virtual systems ... read more
Manage Your Cyber Risk with the Right Digital Tools
It’s become human nature these days to want to do more with less. Part of everyone’s daily repertoire to practice this way of life ... read more
5 Tips to Engage and Empower Employees in Their Financial Literacy
First, the bad news: Today, only about half of Americans feel they are financially literate. Now, the good news: According to CNBC.com, read more
Vetting Vendors for Cyber Posture
Today, the chances for an organization to suffer a data breach are high - particularly through third-party vendors. read more
Tips to Help Protect Your Employee Data
Your human resources information system (HRIS) holds a treasure trove of private information about employees that hackers would just ... read more
Cyber Alert: How Cybercriminals Exploit Bank Failures to Steal Money & Data
First it was Silicon Valley Bank, and then it was Signature Bank – the news of these two major bank failures has sent shockwaves of ... read more
Destination Risk: Preparing for Vacation Travel Means More than Packing a Suitcase
With so much preparation leading up to vacations, it might be easy to overlook the inherent risks that come with traveling. Whether ... read more
The Collapse of SVB: What it Means for Private Equity and Venture Capital Firms
After a massive run on deposits, the fall of one of the largest banks has flooded news streams. This sudden bankruptcy has incited a ... read more
Is that Covered? Biometric Data Risk Sparks Insurance Market Reaction
What do Snap’s $35 million settlement, TikTok’s $92 million settlement, and Google’s $100 million settlement all have in common? read more
Biometric Privacy Laws – What They Are & Why You Should Care
When it comes to data and privacy laws, the regulatory landscape is complex and in a state of continuous flux. As lawmakers and ... read more
Crystal Ball Gazing – International NGO Risks in 2023
Making predictions about global risk trends is fraught with…well, risk. Recently, though, I was interviewed about the top risks for ... read more
Tech Layoffs: What it Means for Employers Across Industries
The face of tech is changing. Or, maybe it is more accurate to say… the faces in tech are changing. That’s because U.S.-based tech ... read more
Cyberattackers: Targeting the Vulnerable
Have technology-obsessed kids in the house or elderly relatives who also use internet-connected devices? Any time an individual is ... read more
Cybersecurity Awareness Training for Employees
Areas of learning & best practices to consider when implementing training at your business. read more
Cyber – Human Error
No matter how hard we might try to do things the right way, mistakes happen. Unfortunately, within the context of cybersecurity, ... read more
NOT JUST A PASSING STORM: How Natural Disasters Are Impacting the Insurance Market
Environmental changes are reshaping the world as we know it, and insurance carriers are struggling to keep up. Additionally, rapid ... read more
High-Net Worth Individuals – Using Benchmarking to Determine Proper Coverage/Limits
Using benchmarking can be a powerful strategic tool for high-net-worth individuals as they make decisions about how to move forward ... read more
High Net Worth Individuals: Effects of Being Over or Under-Insured
Hard insurance market conditions continue to influence high-net-worth individuals and family offices, requiring them to be extremely ... read more
CASE STUDY: High Net Worth Individual – Consolidating Coverage to Avoid Gaps
Most successful people have larger portfolios with diverse and complex insurance needs. We frequently work with clients who have ... read more
Manage Your Risk to Match Your Lifestyle
As inflation continues to rise, wallets tighten to combat the deflation of precious funds and assets. However, insurance is an expense ... read more
Businesses & Benefits Professionals: Harness the Power of Data to Mitigate Risk
Whether it’s inflationary pressures, natural disasters, cyber vulnerabilities, employees’ wellbeing, or customer safety, businesses of ... read more
Businesses & Employee Benefits Professionals: Over or Under Insured, What’s It to You?
It’s happened: your business experienced an event that triggered an insurance claim. With risk being inherent to all business ... read more
Individuals: How Can You Determine Coverage Gaps & Overlaps?
Understanding how insurance policies work in tandem with one another helps ensure you don’t overpay for coverage or end up on the wrong read more
Individuals: Are You Over-Covered, Under-Covered, or Just Right?
Your lifestyle is as unique as you, and so is your risk profile. From owning a home in a geographical area that experiences extreme ... read more
CASE STUDY: Broker Consolidation for Businesses & Employee Benefits Professionals
A long-time employee benefits client was experiencing growing pains and looking for a solution to manage benefits, retirement, and ... read more
Why Consolidate Commercial & Benefits Insurance Under One Roof?
Mitigating risk and purchasing adequate insurance coverage for a business while managing its day-to-day operations can get complicated, read more
Businesses & Employee Benefits Professionals: Determining Coverage Gaps & Overlaps
Understanding how insurance policies work in tandem with one another helps ensure you don’t overpay for coverage or end up on the wrong read more
Businesses & Employee Benefits Professionals: Importance of Understanding Common Coverage Gaps & Overlaps
If you own and operate a business and are looking for insurance to financially protect it from unexpected events, don’t make the ... read more
Travel Insurance
This year more travelers are expected to hit the road or fly the friendly skies.read more
Make a Soft Landing in a Hard Market
The hard insurance market is in full force today and the task for high-net-worth individuals and family offices is to remain ... read more
Congressional Update
Congress once again embarked on its annual Kabuki dance (a.k.a., the round-and-round negotiations over legislation to keep the ... read more
December Wellness Tip: New Year’s Resolutions
Before you say, “My resolution is to never make another one,” hear us out. Resolutions often fail because we resolve to do something ... read more
THE HARD TRUTH – When Mother Nature Strikes Your Insurance Carriers’ Bottom Line
2022 - another year shaped by the destruction of natural disasters and a challenging economic environment - navigating this hard ... read more
Traveling during the holidays? Make a home safety list and check it twice.
More than half of Americans are planning trips for the upcoming holidays. That’s despite staffing shortages at airlines and hotels, ... read more
Health Care Policy Update
In my last update, I suggested that the Biden Administration would move forward with ENDING the PHE as of mid-January 2023. read more
The Rise and Fall of FTX: What Does it Mean for Crypto Investors?
News about the demise of FTX has filled the airwaves over the past week. It’s also fueled shockwaves for individual investors and firms read more
Insuring Your Holiday Gifts
‘Tis the season of gift giving. If you are giving gifts, more than likely you are also receiving them. It’s easy to get lost in the awe read more
Holiday Travel Insurance
This year more travelers are expected to hit the road or fly the friendly skies.read more
November Wellness Tip: Declutter Your Physical and Mental World
Spring cleaning is not just a spring occasion. As the days get shorter, we start to spend more time inside the house. Increased time ... read more
As Cold as Ice? Protect Your Workers from Winter Weather
Winter is coming, which means you’ll have to do your part to make sure your workers are safe if they have to work in cold environments ... read more
Cyber Security: Impact of Personal Data Breaches on Employees
Data breaches are surging and taking a toll on more than your bottom line. Data breaches within organizations are also wreaking havoc ... read more
M&A Cyber Due Diligence
The merger and acquisition (M&A) due diligence process is comprised of a seemingly never ending list of tasks. Assessing a target ... read more
The Hidden Cost of a Cyber Breach: Mental Health
The effects of cybercrimes and data breaches on organizations across the globe is well documented, from financial losses to ... read more
Cyber Security Awareness Month Part 4: Not All Brokers are Created Equal: Importance of Investing in the Best Partner for Placing Cyber Insurance
Quantifying your cyber risk empowers you to properly structure and invest intelligently in cyber insurance coverage. read more
Do’s and Don’ts for Safeguarding Your Personal Identity Online
Personal identity crimes are on the rise. In fact, according to the Federal Bureau of Investigations (FBI) identity theft remains among read more
Open Enrollment Communication Tips
The ability to gain more flexibility and better benefits were among the key reasons individuals gave for leaving their employer in ... read more
Cyber Security Awareness Month Part 3: The Devil is in the Details: Beware of Potential Cyber Coverage Pitfalls
Quantifying your cyber risk empowers you to properly structure and invest intelligently in cyber insurance coverage. read more
Safety First this Hallowthanksmas Season
It’s officially fall, which means the whirlwind of the holiday season is upon us. This is a great time to spend time with friends and ... read more
October Wellness Tip: Smart Snacking at Work
With Halloween right around the corner, the holiday season of sweet snack overload is lurking in the shadows. While it’s unrealistic ... read more
Cyber Security Awareness Month Part 2: Understand the ROI of investing in Cyber Insurance
Quantifying your cyber risk empowers you to properly structure and invest intelligently in cyber insurance coverage. read more
Mid-Term Elections Update
As you know, I am the type of person who tries to avoid “the politics” associated with a specific issue. Instead, I focus my time on ... read more
Post Pandemic Benefits
The major life-shifting events of the past two years have taken a toll on everyone. In fact, a 2022 Household Pulse Survey conducted by read more
Cyber Security Awareness Month Part 1: Quantify Your Cyber Risk
Quantifying your cyber risk empowers you to properly structure and invest intelligently in cyber insurance coverage. read more
Protecting High-Net-Worth Assets Amid Current Challenges
Rising inflation, high insurance rates, and massive lawsuits are just a few of the trends that are creating challenges for everyone, ... read more
Wellness Tip: Suicide Prevention Awareness Month
September is National Suicide Prevention Awareness Month and we are tackling this difficult subject. Suicide is an uncomfortable ... read more
Maximizing Your Relationship with Your Broker
So you decided to work with a broker to make the insurance purchasing process as seamless as possible. Maybe you’re an individual with ... read more
It’s About That Time: Your 2023 Open Enrollment Checklist
Summer is officially over, and for many people that means they’re bracing themselves for the flurry of the holiday season. For benefits read more
How much do you really know about life insurance?
Many of us are confused or misinformed about life insurance, including what it is, how it works, and how much it costs. So, to kickoff ... read more
Surprise Medical Billing Update
Most of us thought the final surprise billing regulations would arrive right before the July 4th holiday. I suppose we were all happy ... read more
Wrongful Detention Abroad: What You Need to Know
The US State Department’s recent addition of wrongful detention as a risk indicator to travel advisories highlights an ongoing – and ... read more
Teaching Children About Insurance
Kids will learn a lot of lessons throughout their lives. The value of a dollar is certainly one. But how about the value of insurance? ... read more
Insuring College Students
Shopping for College? Mini Fridge… Check. Pillows… check. Proper Insurance Coverage… ? The must-haves, should-haves, and nice-to-haves read more
Wellness Tip: Schedule Your Checkups
Health is a precious gift, but it’s easy to take it for granted when life gets in the way. And let’s be honest, most of us have at ... read more
A U-Turn on Climate Change Reforms and Business Tax Increases
A U-Turn on Climate Change Reforms and Business Tax Increases, a “Reconciliation” Bill Is Brought Back to Life read more
Private Equity Insurance and Employee Benefits M&A Due Diligence
As the economy continues to experience shifts due to a global environment mired in uncertainty, mergers and acquisitions (M&As) ... read more
It’s Raining Rate Increases
If you’re tired of hearing about how commercial property insurance rates are on the rise, unfortunately this is an issue that’s likely ... read more
Oops, Don’t Do This Again: Avoiding Common Retirement Planning Mistakes
Most people dream of the day when they can go to bed without having to set an alarm for work. Retirement might seem like a far-off ... read more
It’s Getting Hot in Here: OSHA’s Heat Stress National Emphasis Program
With summer here, temperatures across the country are rising. While many people have the option to turn on the air conditioning to ... read more
HOW Benefits Work Together TO ATTRACT & RETAIN HAPPY EMPLOYEES
Required benefits that ENSURE compliance with laws, Expected benefits that ENHANCE wellbeing, Flexible benefits that ENRICH work-life ... read more
Your Insurance Shopping Checklist
Managing a successful business means staying ahead of the pitfalls of risk inherent to all business operations. A holistic risk ... read more
Back to School Preparation for School Administrators
As you enjoy the sunshine and your summer break, it might seem like the school year only just ended. But as a school administrator, you read more
The Ongoing DRAMA Over a “Reconciliation” Bill
Last Thursday evening around 9 pm (after I sent out my most recent update), reports trickled out that Sen. Manchin (D-WV) communicated ... read more
A STAND-ALONE “Reconciliation” Bill?
Remember when I said that I highly doubt that we will see a STAND-ALONE “reconciliation” bill (i.e., a “reconciliation” bill that ONLY ... read more
The Countdown Begins: Preparing for Open Enrollment
It’s almost that time of year again: open enrollment season. Whether your company conducts open enrollment for health insurance ... read more
Myth Busting: 831b Micro Captive Edition
If you’re new to the world of captives and decide to do a quick Google search to learn more about them, a deluge of information will ... read more
Summer Safety: Don’t Play with Fire(works)
Despite their brilliant, colorful displays that light up a summer night sky, they can have tragic and unintentional consequences for ... read more
Employer Update
Questions (and Some Answers) About Employer-Sponsored Health Coverage In the Wake of the Dobbs Decision. read more
What is a Group/Association Captive?
A group/association captive is a licensed insurer or reinsurer that is formed and owned by an industry, trade, or heterogeneous group ... read more
Choose the Right Benefits Technology Platform, Attract the Right Talent?
Today, it takes a lot more to attract and retain talent than it did just a couple years ago, such as more work-life balance, ... read more
Insuring Art: If You Like It Then You Shoulda Put a Policy On It
You finally got it. Maybe it was a painting from an artist you’ve admired for years, sports memorabilia from your favorite athlete, or ... read more
Factors to Consider When Choosing to Participate in an FSA
It’s no secret: the cost of health care plans in the United States continues to rise. Fortunately, there’s help for individuals who ... read more
Health Care Policy Update
In my last update (see below), I suggested that there is a 1% chance that the “enhanced premium subsidies” will be extended before Nov. read more
Stranger Things: Eyes Up! It’s Raining Coconuts?
You can put the lime in the coconut and drink them both up, but don’t expect to be feeling better if your head gets in the way of one ... read more
Move Over, Ransomware – There’s a Bigger Villain in Town: Introducing You to Jackware
For organizations, individuals, and cyber carriers alike, ransomware has been a rampant cybersecurity risk that’s only becoming more ... read more
On the Road Again: Travel Risk Management
After much anticipation – and delay – business travel has begun to bounce back from the initial pandemic slowdown. Data from the Global read more
Pool Safety Tips: Lessons for Learning How to Limit Liability and Losses
Summer is prime pool time. With the new season upon us, now is a good time to prepare your pool and facility for maximum enjoyment and ... read more
Wellness Tip: Reinvigorate Your New Year’s Resolutions
June marks the halfway point for the year. It also marks the halfway point for your 2022 New Year’s resolutions. How have you done so far? read more
Stranger Things: Are Your “Cold Feet” Covered?
Ah weddings… few life events are as commemorative as saying “I do” to the one you love. Even fewer are as expensive. read more
So You’ve Bought an NFT – Can You Insure It?
Since its inception in 2009, cryptocurrency has evolved from being an obscure digital asset known to few, to becoming part of ... read more
The Early Bird Gets the… Money: 6 Reasons to Start Saving and Investing for Retirement Early
It might seem like retirement is far away and that you have a lot of time to prepare for it. This is a ... read more
Is There a Coupon for That? Cost Control Strategies for Employee Benefits
It’s no secret that offering health benefits costs employers a lot of money – almost eight percent of a company’s operating budget (on ... read more
Health Care Policy Update
Ever since the PHE was extended for the 9th time – to July 15th – there was growing speculation that the Biden Administration would NOT read more
In too Deep?
Summer is just around the corner, and if you’re a boating enthusiast, you’re probably excited to get on the water for a day in the sun ... read more
Cyber Benchmarking
We surveyed 7 of the most active cyber insurance carriers and asked for their top three cyber security items they look for when ... read more
Tame the Flame: 7 Ways to Protect Your Property from Wildfires
Once upon a time, wildfire season used to encompass just a few months of the year. Unfortunately, in recent times wildfires have become read more
Health is Wealth: How Data can Help Decrease Your Benefits Spend
When companies invest in employee health and wellness, they invest in their organization’s overall performance. After all, healthy ... read more
Addressing Sexual Harassment in School Settings
Schools must meet moral and legal obligations to foster an inclusive environment for learning that’s physically and emotionally safe ... read more
Prepare Your Home for Hot Weather
Get ready. A long hot summer is coming to almost every region of the U.S. this year. That’s the prediction from scientists at the ... read more
Wellness Tip: Kickstart Your Physical Fitness
Our hustle culture has us constantly in go-mode: What’s next? How will my presentation go? How can I make more money? How do I meet ... read more
Surprise Medical Billing Update
The delay was due in part to the Texas District Court ruling, but also due to technology challenges experienced by the Departments. read more
Cyberattacks
If one thing hasn’t slowed down as a result of the upending of the world in the last couple of years, it is cyber threats. In fact, ... read more
Manufacturing Floor Safety
Over the years, safety has improved dramatically in the manufacturing industry. However, manufacturing requires workers to engage in ... read more
What is an 831(b) Micro Captive?
A micro-captive is a small captive insurance company that may be taxed under Internal Revenue Code 831(b), which provides that a ... read more
Destination Risk: Vacations are all fun & games… Until they aren’t.
Discovering and experiencing different places is what makes traveling so exciting. With so much preparation leading up to vacations, it read more
What is a Single Parent Captive?
Single parent captives are still the most common type of captive being used today. This type of captive is owned by one company, ... read more
Natural Disasters and Aging Buildings
It’s no secret that property insurance rates have continued to rise in all parts of the country. And it’s not surprising to see, given ... read more
4 Strategies for Reducing Health Benefits Costs in 2022
Health care costs continue to rise each year, and 2022 will likely be no exception. In the new year, experts predict a 6.5% increase in read more
Surprise Billing Update
What’s the Latest on the Federally-Developed Arbitration Process and the Federal Portal? read more
Rising Food Prices & Managing Your Insurance Costs
As we transition to a post-pandemic world, restaurants across the country have continued to feel the ripple effects of the coronavirus ... read more
Nobody Benefits from Unused Benefits
When employees don’t use their benefits, both employers and employees lose. read more
Fleet Safety & Distracted Driving
Now more than ever, supply chain issues have highlighted our dependence on drivers to bring goods to our doorsteps. As commercial fleet read more
BRP GROUP, INC. ANNOUNCES NEW BIOTECH PANEL COUNSEL FOR NASDAQ COMPANIES
BRP Group, Inc. ("BRP Group" or the "Company") (NASDAQ: BRP), an independent insurance distribution firm delivering tailored insurance ... read more
AHT INSURANCE ANNOUNCES ADDITION OF CHRIS BALCH AS MANAGING DIRECTOR
Armfield, Harrison & Thomas, LLC (“AHT Insurance”), a subsidiary of BRP Group, Inc. (“BRP Group” or the “Company”) (NASDAQ: BRP), is ... read more
AHT INSURANCE ANNOUNCES ADDITION OF CHRIS BALCH AS MANAGING DIRECTOR
BRP Group, Inc. is pleased to announce the addition of five highly experienced professionals to BRP Group’s Japanese practice group ... read more
Flood Prone Areas
Flooding is the most prevalent natural disaster in the United States, at about 90 percent of U.S. natural disasters, including extreme ... read more
Wellness Tip: Stress Awareness
We’re all living with stress, whether it stems from something positive like planning an exciting trip, or something negative impacting ... read more
Insurance Realities in Real Estate
The Property and Casualty (P&C) market has been hit with record-setting losses over recent years, which translates to strict ... read more
How Artificial Intelligence (AI) is Revolutionizing Manufacturing Operations
Artificial Intelligence (AI) is everywhere. It’s on your phone giving you app suggestions. It’s in your car routing you around traffic. read more
You have your new benefits – now what?
You’ve made your selections and your new benefits are now in place; so, what now? Taking action after your Open Enrollment is a great ... read more
Diabetes Alert Day
Did you know that in the United States alone, 37.3 million people have diabetes? This amounts to 11.3 percent of the population, and of read more
Beyond Ukraine
Russia’s brutal invasion of Ukraine has created hardship and human suffering impacting millions of people. As they have done in so many read more
May I Have a Raise with Those Fries?
If you’ve gone out to a restaurant recently, you’ve probably seen signs posted which read, “Now hiring,” or “Please be patient with us ... read more
Captive FAQs
Q: What is a captive? A: An insurance company that is wholly owned and controlled by its insureds, its primary purpose is to insure the read more
Umbrella Liability Coverage
If it seems like you’re reading about larger jury awards in civil litigation cases, it isn’t a figment of your imagination. When we ... read more
Approaching Reference-Based Pricing: Pros & Cons
It’s no secret that healthcare is expensive, with the cost of care increasing year over year. Healthcare spending is expected to reach ... read more
Policy Update-Update
Current – and former – Congressional staff like to attach the phrase “Ground Hog Day” to legislative and political exercises that are a read more
Long-Term Care & What You Need to Know
Long-Term Care (LTC) generally refers to the care needed for those requiring assistance with basic daily activities or due to cognitive read more
Labor Shortages Impact Manufacturing & Transportation Supply Chain Resiliency
For over a year now, companies in all industries have warned shoppers to expect delays when they place orders for anything ranging from read more
Every Step Counts: Ensuring Ladder Safety in the Workplace
Stepladders, platform ladders, and extension ladders – ladders are such a common tool that it’s easy to forget there are many risks ... read more
No Fun in the Sun Until the Spring Maintenance is Done!
After a long and cold winter for most, it’s finally time to welcome spring. Longer days and warmer weather make it the perfect time to ... read more
Wellness Tip: Improve Your Sleep Health, Improve Your Wellbeing
On my busiest days, I am often guilty of trying to fit more in by pushing my bedtime later. With Sleep Awareness Month upon us, I’m ... read more
Prevent Mishaps on the Manufacturing Floor
Maintaining a clean manufacturing floor is essential to providing a productive and safe job site. The most common injuries are caused ... read more
Coverage Snapshot: Cyber Liability
Simply put, it is an insurance policy that provides coverage options to help protect a company from data breaches and other cyber ... read more
Aging in Place
As defined by the CDC, "Aging in place" is the ability to live in one’s own home and community safely, independently, and comfortably, ... read more
Cyberattacks on the Rise – Agribusiness
Over the years , supply cha in networks have been fiercely driven by technology and most supply chains are now fully digitally enabled. read more
Cyberattacks on the Rise
Over the years, supply chain networks have been fiercely driven by technology. And as a response to the coronavirus pandemic, ... read more
Generational Work Culture – Benefits for Recent Grads
n recent years, several factors have transformed workplaces across the country. The pandemic has undoubtedly played a huge role in ... read more
Retirement Planning and Life Changes
Retirement planning requires a lot of foresight and is comprised of many steps. The end goal is to save enough money to be able stop ... read more
When Life Changes, Who You Gonna Call? Your Brokers!
Maintaining open communication with your broker is critical to protecting yourself and your assets, especially in these times of ... read more
Supply Chain Disruptions
We’ve all seen the headlines on news outlets, heard the stories from friends and family, or maybe even experienced some of the ... read more
Multi-Generational Workforces in the Age of DE&I
We’re currently seeing the most age diverse work population in history. There are five generations working with one another, and each ... read more
Policy Update
Current – and former – Congressional staff like to attach the phrase “Ground Hog Day” to legislative and political exercises that are a read more
Protecting Your Home and Loved Ones from Earthquakes
Earthquakes are the most unpredictable natural disaster and can have devastating effects on homes, buildings, assets and people. The ... read more
Protect Your Business & Employees from Earthquakes
Earthquakes are the most unpredictable natural disaster and can have devastating effects on businesses, employees, and operations. The ... read more
Open Enrollment Tips
Many HR teams struggle with navigating the complexities of open enrollment. It is often a difficult, time-consuming, and stressful time read more
Wellness Tip: Boost Your Heart Health
In a world where many of us are juggling too much, health and self-care are often the first things we sacrifice to make more room in ... read more
Coverage Snapshot: D&O Liability
You’ve probably heard the term Directors and Officers Liability or D&O, but what exactly is it and why is it important you and your ... read more
Wellness Wednesday: Heart Health
Heart disease is the leading cause of death for men, women, and people of most racial and ethnic groups in the United States. read more
Heart Health Month
February is considered American Heart Month, and the first Friday in February is National Wear Red Day. On February 4th, people across ... read more
Fringe Benefits
As companies continue to try and turn the tide of The Great Resignation by assessing how they attract and retain top talent, more ... read more
Post Open Enrollment Survey
Congratulations – you managed to survive open enrollment season. As we usher in a new year and you get to breathe a sigh of relief ... read more
Winter Driving Tips
Winter brings all sorts of driving headaches: snow, freezing rain and slush, which all make the roads more hazardous. read more
What is Long-Term Care?
Long-Term Care (LTC) generally refers to the care needed for those requiring assistance with basic daily activities or due to cognitive read more
Ways to Attract & Retain Talent – Executive Benefits
Utilizing Fringe Benefits to Acquire Premier Executive Talent read more
Wellness Wednesday: Managing Work/Life Balance
Whether you’re working from home or venturing into the office, one of the most valuable things you can do for yourself is to establish ... read more
Legislative Update
Shortly after Congressional Democrats and the Biden Administration successfully enacted their COVID Stimulus Package (better known as ... read more
FAR, the Nonprofit Business Leaders’ Network, December Member Spotlight – AHT’s Nonprofit Leader, Derek Symer
Derek Smyer, Partner at AHT Insurance, was interviewed by FAR, the nonprofit business leaders' network. read more
Legislative Update
If you were to ask me, the House passage of the “Soft Infrastructure” Package is NOT as newsworthy as many are making it out to be. ... read more
Legislative Update
The $1.75 Billion Question: Will the Latest Iteration of the “Soft Infrastructure” Package Get Enacted? I’m not sure where to begin. ... read more
Captured: Haiti Seizes Lead in Kidnappings Worldwide
The details of how the kidnapping risk plays out in a location aren’t always clear - and when trying to mitigate and respond to risks, ... read more
BRP GROUP, INC. ANNOUNCES NEW ADDITIONS TO ITS JAPANESE PRACTICE GROUP
BRP Group, Inc. is pleased to announce the addition of five highly experienced professionals to BRP Group’s Japanese practice group ... read more
Legislative Update
That’s been the debate among Congressional Democrats and President Biden for the past 3 weeks. Moderate Democrats like Sens. Manchin ... read more
Should You Stay? Risk Management in the “New” Afghanistan – Part 1
By: Joe Gleason, Director Global Risk Management, AHT
As Afghanistan enters ... read moreLegislative Update
Because over the past 2 weeks, we have heard from moderate Democrats in the Senate – and also in the House – publicly exclaiming that ... read more
Legislative Update
It’s a reasonable question to ask because one of the last times the majority party in Congress tried to enact changes through a ... read more
Prepare for the Unexpected with an Emergency Preparedness Kit
It’s important to be prepared for disasters with an emergency preparedness kit containing items you may not have though about... read more
Legislative Update
As I told you in my last update (see below if you want to review), the Biden Administration and Congressional Democrats are trying to ... read more
Legislative Update
Let’s get our terminology straight: “Hard Infrastructure” is funding for roads; bridges; public transportation; broad-band; etc. “Soft ... read more
Don’t Fan the Flames: 7 Steps to Protect Your Property from Wildfires
In recent years, wildfire seasons have lasted longer and caused unprecedented damage but there are steps you can take to protect your ... read more
Noel Evans Selected to Serve on the National Association of Health Underwriters Long-Term Care Advisory Group
Noel Evans, Long-Term Care Advisor, selected to serve on the National Association of Health Underwriters (NAHU) Long-term Care Advisory read more
The Pandemic Effect: Impact on Global Travel & Operational Risk Management
The last couple of months have been a strong reminder that COVID-19 isn’t the only risk confronting the international development and ... read more
Health Care Policy Update
On July 9th, President Biden issued an Executive Order (EO) titled, Promoting Competition in the American Economy. The main purpose of ... read more
ACA Update
As you know, a considerable amount of ink was spilled talking about the most recent lawsuit challenging the constitutionality of the ... read more
Smoked, not Charred
In those first several hours of the house fire, insurance never entered my mind - but it should have. read more
Reconciliation Update
Yes, Multiple “Reconciliation” Bills Are Allowed, But It Don’t Come Easy read more
Banks Should Expect Significant Changes to Upcoming Cyber Liability Renewal
Banks are more exposed than ever before to data risks, and these are problems that are not going away any time soon. read more
Complex Cyberattack Impacts IDO/NGO Community
Complex cyberattack impacts USAID and threatens IDO/NGO community - especially those engaged in rights, democracy and civil society programs. read more
Health Care Policy Update
Reports are surfacing that Senate Democrats may by-pass the opportunity to amend the “reconciliation” rules to add a 2nd ... read more
Ask the Experts – Approaching Younger Consumers about Long-Term Care
Experts in Long-term care solutions and planning were recently asked about appealing to younger consumers - here's what our LTC expert ... read more
The Nonprofit Tip Jar – Cyber Security and Insurance
We asked our Non-profit practice leader what the top 5 questions about cybersecurity are and here's what he said... read more
Health Care Policy Update
You are reading in the news right now that a number of Democrats – including Speaker Pelosi – are more or less demanding that the ... read more
Two Areas of Risk Management to Consider as In-Person Meetings Begin to Return
Sound risk management requires a consistent, sober look at the entire range of potential risks an association may face. read more
Thinking About Diversity and Inclusion as a Business Priority
It is clear that D&I programs are here to stay, but what exactly is D&I? What are the benefits of building robust D&I programs and ... read more
Congressional Update
This recent ruling from the Parliamentarian fascinates me. Why? Because first, I lived through the ACA “reconciliation” exercise back ... read more
Surprising Tax Benefits of Long-Term Care
Long-Term Care insurance (LTCi) offers tax advantages that make owning LTCi more affordable read more
Travel Safety & Security in Today’s World
Prior to taking off, ensure your safety and security plan is reviewed and updated to reflect what’s going on in the world today - here ... read more
Biden Administration Update
As I have been watching 2021 unfold, I believe the Biden Transition Team developed the following “script” for the year. read more
BRP Group, Inc. Announces the Launch of ‘Resilient Together’
Tampa, FL (March 8, 2021) – BRP Group, Inc. and its middle-market operating group have launched a new resource called Resilient ... read more
COVID/Health Care Policy Update
As you have undoubtedly read in the press, the COVID Stimulus Package includes a provision that calls for Federal subsidies to help ... read more
Ready to Fly – Or, Are You? Aircraft Management & Critical Insurance Implications
The process of purchasing an aircraft involves countless decisions, few more critical than the aircraft management choice. read more
Do your Duty: Insurance Coverage and Meeting Duty of Care Obligations for Government Contractors
While working in another country, employees may be more exposed to precarious environments that put their health and safety at risk - ... read more
Brian Schermerhorn TechAssure
Leesburg, VA (February 11) – AHT Insurance, a Baldwin Risk Partner, is pleased to announce that Brian Schermerhorn, Partner, was ... read more
Business Evacuation
For international staff and travelers working in or headed to locations prone to unrest, it’s critical that teams adjust operations ... read more
COVID/Health Care Policy Update
Last Thursday, Senate Democrats green-lighted the use of the “reconciliation” process to enact President Biden’s $1.9 trillion COVID ... read more
A Case for Risk First, Insurance Second
Organizations spend time, effort and energy mitigating risk but insurers rarely learn about that risk management work - so, how do you ... read more
Election/Health Care Policy Update
What I mean by the above headline is this: Prior to the Nov. 3rd elections, many – including me – thought that then-Candidate Biden ... read more
Health Care Policy Update
A Surprise Medical Billing Fix Finally Gets Through Congress – Buckle-Up for the Rulemaking Process read more
Health Care Policy Update
As stated, a number of questions are presented with the surprise nomination of California’s Attorney General, Xavier Becerra as ... read more
AHT Insurance Acquired by BRP Group
AHT has entered into a partnership with BRP Group, Inc. (NASDAQ: BRP), to become part of BRP Group’s middle-marketing operating group. read more
AHT Insurance Completes Acquisition of Kaplow Insurance
AHT completed the acquisition of Kaplow Insurance, specialists in equine insurance, farm property and liability. read more
AHT Insurance Enhances Service Offering with Addition of Specialty Captive Programs
AHT Insurance announced the addition of Specialty Captives Programs to provide comprehensive and suitable solutions for every company’s read more
Jim Maulfair Named to 2020 Financial Times 401 Top Retirement Advisers
Jim Maulfair Named to 2020 Financial Times 401 Top Retirement Advisers read more
Election/Health Care Policy Update
In my commentary, I explained how Former Vice President Biden and House Democrats would increase the premium subsidies for people ... read more
AHT Names Mike Kelly as New Shareholder
As a Shareholder, Kelly will remain focused as a leader in his current role while expanding his focus to develop key business ... read more
Restrictive NGO laws – The Trend Continues
Host government restrictions and pressure on NGOs are hardly new occurrences... read more
Eliminating the Filibuster (Cont.)
First, when the Democrats controlled the Senate (and the White House) in 2013, Senate Majority Leader Reid (D-NV) eliminated the ... read more
Election “Politics” Update
In my last update, I commented on what Democrats may try to do if the ACA was struck down by the Supreme Court, and I enumerated a ... read more
ACA Update
ACA Update
by Christoper E. Condeluci, Principal and sole shareholder of CC Law & ... read moreCOVID-19 Update
Okay, so you have heard me – and others – talk about the millions of people who lost their job due to the COVID pandemic, resulting in ... read more
ACA Exchange Update
In my opinion, one of the most important measures of ACA Exchange enrollment is NOT the initial enrollment numbers that come out at the read more
AHT Acquires Mason & Mason Insurance
AHT announced the acquisition of New England based Mason & Mason Insurance read more
NAM Cyber Cover Just Announced
New NAM Cyber Cover Helps Protect Unique Exposures Facing Manufacturers read more
Health Care Policy Update
Recent Headlines: Republicans Try to “Repeal” the ACA Through the Courts, While the Democrats Try to “Improve” the ACA Through Legislation. read more
A Global Pandemic – The Ultimate Wrench in Your Event Plans
Going virtual - a different perspective, what to know and the future (at least 5 minutes from now) read more
Presidential Election Update
Even though we are still about 5 months away from the Presidential election, most of us policy analysts are being asked to analyze the ... read more
Event Cancellation Insurance – To Buy or Not to Buy…
Should I buy event cancellation insurance? Is it worth it? read more
COVID-19 and Employer Health Plans
Axios recently highlighted an issue relating to COBRA that I – and others – have been thinking about too, but I didn’t want to write ... read more
Be a Follower – Really, it’s OK!
If all your peer organizations are doing something, should you? read more
Coronavirus Update
Well, a lot has happened since March 12th (when the COVID-19 emergency finally hit-home for everyone): 3.5 Stimulus Packages have been ... read more
Creating a Caring Culture in the Looming Long-Term Care Crisis
For employers and their employees, there is a way to create a caring culture in the workplace. read more
Windows of Opportunity: Getting Team Members Home in the COVID-19 Pandemic
A number of countries are allowing governments and assistance providers to organize charter flights to get people home. read more
Coronavirus Update
Below I provide my own summary of the provisions of the final “3rd Stimulus Package” that I have focused on in past updates. read more
Coronavirus Update
I know that you already read a number of news stories about what is being proposed in the “3rd Stimulus Package.” BUT, I wanted to ... read more
Can I be evacuated? Operational challenges during the COVID-19 Pandemic
What happens if someone needs to be evacuated? read more
Safety and Security Implications of the COVID-19 Pandemic
Potential exists for an increase in safety and security issues as the COVID-19 pandemic spreads to areas prone to instability. read more
Coronavirus Update
As most of you know by now, every fully-insured health plan that is an “individual” or “small group” market plan MUST cover coronavirus read more
COVID-19 – What Should Organizations be Thinking About?
Considerations as organizations manage the risks associated with COVID-19... read more
ACA Update
In light of yesterday’s news coverage, I feel that I need to emphasize this: The Supreme Court will NOT – I repeat NOT – render a ... read more
Presidential Politics Update
Back in July, I said the following: “After the most recent Democratic Presidential Primary debate, I couldn’t help but think that ... read more
California Homeowners Insurance
Homeowners insurance in California is becoming increasingly difficult to place, and many insurance carriers have been non-renewing ... read more
Surprise Medical Billing Update
Analysis: Who is the Ed & Labor Committee, and why have I not talked about them before? The Ed & Labor Committee shares jurisdiction ... read more
Surprise Medical Billing Update
At the end of last year, I reported that one of the main reasons why a “surprise medical billing” proposal was NOT included in the ... read more
Coronavirus – Risk Management Considerations for a Rapidly Developing Health Situation
To help manage the potential risks associated with the coronavirus outbreak, organizations with operations in or travel to/from China, ... read more
Tara Trout Among a Select Group to Be Named a Certified Advisor of Personal Insurance by Wharton and Chubb
Tara Trout has been awarded a Certified Advisor of Personal Insurance (CAPI) designation from the Aresty Institute of Executive ... read more
Employer Update
Yes, let me say that again: FULLY REPEALED. Most people here in DC were actually surprised that BOTH Democrats and Republicans agreed ... read more
Surprise Medical Billing Update
Soooo, this past weekend, the Senate HELP and the House Energy and Commerce (E&C) Committee announced a bi-partisan, bi-cameral ... read more
Riding the Wave of Civil Unrest in Today’s Global Risk Landscape
How do organizations operating globally manage the risks associated with civil unrest? read more
Health Policy Update
In my most recent update, I provided with you a summary of some the key components to the proposed transparency regulation, which ... read more
Congressional Update
As I have explained to you, the debate over surprise billing has ebbed-and-flowed for about a year now. As stated, the employer and ... read more
Best Practices and Benchmarking
Among the phrases that get used often in today’s global operational and travel risk management community is “best practice.” read more
Surprise Medical Billing Update
For the past month or so, the surprise medical billing issue has taken a back-seat to efforts to lower prescription drug prices. For ... read more
AHT Insurance Welcomes Karen Dobson as Director of International Programs
AHT Insurance is pleased to announce the addition of Karen Dobson to the AHT team as Director of International Programs, based at our ... read more
AHT Names Two New Shareholders in Washington Metro and Seattle Offices
AHT Insurance is pleased to name Cam Gravrock, Senior Vice President, and Tara Trout, Senior Vice President, as new Shareholders. read more
Insuring Household Help
The costs of a lawsuit with hired help can be very high and could even damage your reputation as a client. To keep liabilities at bay, ... read more
Kate Armfield Elected to CIAB Board of Directors Brokers
Armfield elected during The Council’s 106th annual Insurance Leadership Forum (ILF) in Colorado Springs, CO read more
AHT Insurance Named 2019 Independent Agency of the Year by NU Property & Casualty 360
AHT Insurance is pleased to announce it has been named 2019 Independent Agency of the Year by NU Property & Casualty 360. read more
Surprise Medical Billing Update
As I have always told you, what CBO says…goes…period, end-of-story. Sure, supporters of an arbitration process can criticize CBO, and ... read more
AHT Insurance Named in Business Insurance’s Annual Best Places to Work in Insurance Program
AHT Insurance has been named in the annual Best Places to Work in Insurance Program. read more
Afghanistan – Not Business as Usual
As most will know from media reports, there has been an upsurge of violence in Afghanistan in recent weeks. read more
Surprise Medical Billing Update
Although Congress is now back in session, things still remain fluid on surprise medical billing. In other words, no one really knows ... read more
Classic Car Coverage
A classic car isn’t just an investment – its personal. Your one-of- a- kind car deserves one-of-a-kind care and insurance coverage. ... read more
Presidential “Politics” Update
In my last update, I opined that Former Vice President Biden will win the Democratic Presidential nomination because of (1) the Labor ... read more
AHT Insurance Included in IIABA’s Best Practices Study
AHT Insurance has been selected to be part of an elite group of independent insurance agencies around the United States participating ... read more
AHT Insurance Named Top 100 Independent Property/Casualty Agency by Insurance Journal
AHT Insurance is pleased to again rank in the annual Insurance Journal Top 100 Independent Property/Casualty Agency list. read more
Caring for Your Fine Jewelry
Like any significant investment, you must make an effort to care for the gems and jewels in your collection. Jewelry requires cleaning ... read more
Presidential “Politics” Update
After the most recent Democratic Presidential Primary debates, I couldn’t help but think the following: I believe Former Vice President read more
Final HRA Regulations 4-4
As I have said in prior updates, I believe that it is good public policy to encourage employers to offer some sort of financial ... read more
Employer Update
As you may know, the Democrats have promised the labor community that – when given the chance – they will vote to repeal the Cadillac ... read more
AHT Insurance Named to Business Insurance’s Top 100 Largest Brokers of U.S. Business List
Leesburg, VA – July 15, 2019: AHT Insurance ranked again in the Business Insurance “Top 100 Largest Brokers of U.S. Business” ... read more
Health Care Policy Update
As the Trump Administration closed out the health care policy priorities the White House announced back in October 2017 (after ... read more
Free Learning Resources for International Aid & Development Organizations? Yes Please!
Access over 1,000 online learning resources used by more than 150,000 active learners in the international aid and development community. read more
Final HRA Regulations 3-4
On Friday, I ran through all of the “classes” of employees that an employer can designate for purposes of offering a “group health ... read more
AHT Insurance Welcomes Leslie Nylund as Managing Director of New York Operations and National Director of Programs
Leslie Nylund brings more than 30 years of insurance, reinsurance, underwriting, insurance brokerage services and senior leadership ... read more
Final HRA Regulations 2-4
At the end of last year, I noted that there were NOT that many negative stories about the proposed HRA regs. In my opinion, this made ... read more
Final HRA Regulations 1-4
On Friday June 13th, the Departments of Labor, HHS, and Treasury released final regulations expanding the use of Health Reimbursement ... read more
AHT Insurance Welcomes Steve Dodge as Senior Claims Director
Steve Dodge joined AHT in 2019 as Senior Claims Director – bringing with him more than 16 years of industry experience. read more
AHT Insurance Welcomes Henry Christian as Director, Commercial Brokerage
Henry Christian is a highly experienced insurance and risk management professional – bringing with him nearly 30 years of experience. read more
Managing the Risk of Shared Accommodation – Ignoring it Won’t Make it Go Away
“I found a great place to stay on [fill in name of big shared accommodation platform] – it’s in a great part of town, private and way ... read more
Surprise Medical Billing Update
These days, it is a really BIG deal when you see bi-partisan legislation. It is even a BIGGER deal when the lead sponsors of the ... read more
Wine Coverage
A true wine enthusiast understands the rewards of owning an expansive collection. The pride that goes into nurturing a bottle, ... read more
CBO Update/Single-Payer Update
Some people ask me: Chris, why do you place so much emphasis on what the Congressional Budget Office (CBO) has to say? They further ... read more
Single-Payer Update/Employer Update
In my opinion, employer-sponsored plans are the “elephant in the room” when talking about Medicare-for-All. What I mean is, while ... read more
ACA Update
In my last update, I kind went off on the Trump Administration’s decision to ask the 5th Circuit to strike down the entire ACA. Well, I read more
Training for a Globally Mobile Workforce
Few topics in the International Travel Risk Management and Duty of Care space elicit as much agreement as the need to train globally ... read more
ACA Update
I am no political strategist, nor do I want to be. But, I think I have political acumen based on my background and what I currently do. read more
“Shades” of Single-Payer Update
In my last update I ended by saying: We are so far removed from ACA “repeal and replace” it’s kind of funny. That is definitely true ... read more
Mid-February Update
Regardless of what you think about a “single-payer” health care program, a debate on the issue will be coming, and coming soon. Due in ... read more
Water Damage
From burst pipes to appliance leaks, to HVAC malfunctions and more, over 70% of all condo claims reported to PURE have been the result ... read more
“Shades” of Single-Payer Update
In my last update, I told you that I think a Medicare-Buy-In program would adversely impact the ACA’s “individual” market and the ACA ... read more
“Shades” of Single-Payer Update
Dating back to October of last year, I noted: If and when the politics shift in DC, Democrats will surely ramp-up discussions of ... read more
State Activity Update
We are only 2 weeks into 2019, and we are already seeing Democratic policymakers propose various “shades” of single-payer. For example, read more
ACA Update
In my last post before the holidays, I explained that the Texas District Court ruling – finding that the ACA is unconstitutional – has ... read more
ACA Update
I am first going to provide you with my quick reaction on how I believe this ruling impacts (1) the validity of the ACA and (2) the ... read more
Should a State of Emergency be an emergency?
Martial law. State of emergency. Over the past few years, governments in Ethiopia, Nicaragua, Jamaica and Zimbabwe, among others, have ... read more
ACA Update
Anything this current Administration does on matters relating to the ACA is cast as “sabotage.” Actually, that’s not true. As I ... read more
“What’s Next In Congress” Update
Okay, so we now know we are looking at a Democratic House of Representatives and a Republican Senate. Will anything get done? Answer: ... read more
ACA Update
As per usual, there is a lot of “noise” out there on HHS’s recently issued guidance on the ACA Section 1332 Waivers. A lot of ... read more
AHT Names Two New Shareholders in Washington Metro and Seattle Offices
Leesburg, VA – October 22, 2018: AHT Insurance is pleased to name Brian Schermerhorn, Senior Vice President, and Brett Webster, ... read more
AHT Insurance Named an IIABA 2018 Best Practices Agency
AHT Insurance retains its Best Practices status, once again becoming part of an elite group of independent insurance agencies around ... read more
Health Care Policy Update
One thing we all learned in the wake of the Nov. 2016 election is that “polling” is not always reliable when it comes to predicting ... read more
Short-Term Health Plan Update
The fight over short-term health plans and association health plans (AHPs) continue to rage on. With respect to short-term health ... read more
Employer Update
My post last week was apparently well-timed because as I was hitting send on my email update, reports were coming out that a group of ... read more
Employer Update
This is an issue that I have only briefly touched on in the past. But, recent news articles continue to shine a light on the growing ... read more
Weather Happens: Considerations for Travel Risk Management
Here in the US, September is National Preparedness Month, and the near simultaneous arrivals of Hurricane Florence in the US and Super ... read more
ACA Update
Admittedly, I am loathe to talk yet again about the most recent legal challenge against the ACA. But, since this litigation has ... read more
HHS Update
In a somewhat rapid-fire fashion, HHS approved Wisconsin’s, Maine’s, New Jersey’s, and now Maryland’s 1332 Waiver request to establish ... read more
“Risk Adjustment” Update
HHS Issues Proposed Regulations, Paving the Way for the 2018 Risk Adjustment Program “Pay-Outs” and “Pay-Ins”; The New Mexico CO-OP ... read more
Kidnap Response: Better to Plan and Not Need it than Need a Plan and Not Have One
Did the Qatari government really pay one billion for the release of 28 members of a royal hunting party that were kidnapped in Iraq? ... read more
AHT Appoints New Member to the Board of Directors
Leesburg, VA – July 27, 2018: AHT Insurance is pleased to announce the appointment of Jenni Bickerstaff, Principal and Senior Vice ... read more
Short-Term Health Plan Update
Set aside for a moment all of the arguments that short-term health plans provide inadequate coverage. And try – if you can – to block ... read more
AHT Insurance Completes Acquisition of Saul & Associates
AHT Insurance announces the acquisition of R.A. Saul & Associates, effective August 1, 2018. read more
HSA Update
Back during the week of June 11th, I explained that Republicans and Democrats on the House Ways and Means Committee discussed ways ... read more
Association Health Plan Update
Politico and Association Health Plans: Why Did Politico Get It Wrong? Politico came out with a pretty negative story about association ... read more
VEDP Welcomes AHT Among 25 Private Sector International Trade Partners
Leesburg, VA – July 20, 2018: AHT Insurance is pleased to announce that The Virginia Economic Development (VEDP) International Trade ... read more
Navigator & “Risk Adjustment” Update
HHS announced that the Department was once again limiting funding for the ACA’s Navigator Program. The announcement comes on the heels ... read more
“Risk Adjustment” Update
Last Saturday, HHS surprised us all with an announcement that the Department was putting “on hold” (1) any collections from carriers ... read more
Association Health Plan Update
On one side of the debate over association health plans (AHPs), we have national trade associations, franchisees, and organizations and read more
AHT’s Caren Huminski and Tara Trout Named 2018 Elite Women in Insurance by Insurance Business
Leesburg, VA – June 27, 2018: AHT Insurance is pleased to announce that two of its insurance professionals, Caren Huminski and Tara ... read more
Association Health Plan Update
The final regulations create what I call 3 Categories of AHPs. These 3 separate Categories are important because ALL of the ... read more
HSA Update
In a relatively bipartisan hearing, Republicans and Democrats discussed ways Congress could modify the HSA rules to allow ... read more
ACA Update
I have purposefully avoided writing about this legal challenge, due in large part to the fact that I view this latest legal challenge ... read more
Money, Money, Money: Managing Risks of Cash Intensive International Operations
Among the essentials in my daypack during my first trip to Afghanistan in early 2002 were a first aid kit, rain jacket, sat phone and ... read more
“Individual” and “Small Group” Market Update/Association Health Plan Update
The LA Times is out with a news story chronicling all of the public comments submitted by “health care organizations” in response to ... read more
ACA “Repeal and Replace” Update
There have been some behind-the-scenes talk about pursuing another ACA “repeal and replace” exercise this year, but we haven’t heard ... read more
ACA Individual Market Update
Maryland and Virginia were the first States to make public the premium increase requests of their insurance carriers choosing to sell ... read more
CBO Update
The head of the CBO told the Senate Budget Committee that the agency will be issuing a report that will lower the coverage losses ... read more
“Single-Payer” Update
Look, I do NOT think we will ever get to a single-payer system. I believe we are too much of a capitalist society. And, I believe ... read more
Guards: Another Tool in the Risk Management Toolbox
We’ve all seen it traveling in the developing world: the ubiquitous uniformed guard standing outside a compound gate or in a booth, ... read more
Employer Update
Regardless of what you think about a “single-payer” health care program, a debate on the issue will be coming, and coming soon. Due in read more
State Activity Update
As I have reported to you, States like California, Connecticut, Maryland, New Jersey, New York, and Washington State are trying to ... read more
ACA Exchange Update
At the end of January of this year, independent analyses found that 11.8 million consumers “signed up” for a health plan through either read more
State Activity Update
Iowa’s Governor just signed into law legislation that would allow Iowans who are looking for health coverage in the “individual” market read more
ACA “Market Stabilization” Update
Okay, so last week I told you that the fate of enacting the ACA “market stabilization” package hinged on whether Republicans and ... read more
ACA “Market Stabilization” Update
In the embedded link above is an excellent article written by Joe Antos and Jim Capretta with AEI. The article hits on many of the ... read more
Idaho Update
You woke up this morning to a plethora of news articles reporting that HHS has informed Idaho that the State CANNOT go through with its read more
Idaho Update
Interestingly, I believe that Blue Cross of Idaho can do whatever it wants here. BUT, I also believe that by offering ... read more
Budget Update
Funding for the ACA’s “risk corridor” program: As you may recall, payments from insurance carriers into the ACA’s “risk corridor” ... read more
Employer Update/Health Care Policy Change Update
Last Tuesday, Amazon, JP Morgan, and Berkshire Hathaway issued a press release putting the world on notice that the 3 companies were ... read more
US State Department Revamps Travel Advisories System
Travel alert vs. travel warning? Travelers, like me, who often found official US State Department travel guidance tough to decipher in ... read more
Market Stabilization Update
First and foremost, Federal funds for States to set up a reinsurance program or “invisible high risk pool.” The funds have to be ... read more
Government Shutdown & ACA Taxes Update
As you know, the government shut down at 12:01 am Friday night/Saturday morning. BUT, as you probably also know, Congress is poised to read more
Association Health Plan Update
Last week, I told you that – in my opinion – any legal challenge(s) brought against the proposed AHP regs would lose (see last week’s ... read more
Health Policy Change Update
While many – including me – thought that Majority Leader McConnell and the President would endeavor to make good on their “promise” to ... read more
Recent Developments in Pakistan and the Potential Impact on NGOs
Recently announced cuts in US aid to Islamabad, and the surrounding heated rhetoric, are likely to accelerate the rollercoaster ride ... read more
Tax Reform Update
From a health care perspective, there is not much more to add when it comes to the Tax Reform legislation. You have heard me talk at ... read more
AHT Insurance, Seattle, Joins RiskProNet International
The Seattle office of AHT Insurance has joined RiskProNet International, an association of independent insurance brokers in North ... read more
Tax Reform Update
Late, late Friday night, Senate Republican Leadership pulled together 51 votes to pass the Senate’s Tax Reform bill. As you know, ... read more
Preparing for US Recognition of Jerusalem as Capital of Israel
The anticipated US recognition of Jerusalem as the capital of Israel will likely inflame tension and provoke protests in the region – ... read more
Tax Reform Update
Last Thursday, the Joint Committee on Taxation (JCT) – with the aid of the Congressional Budget Office (CBO) – released various tables ... read more
Tax Reform Update
In CBO’s most recent estimate, the agency came to the following 4 conclusions: By repealing the mandate (1) The government would save ... read more
AHT Named Elite Agency by Insurance Business America
AHT is pleased to announce that it has been named to the 2017 Elite Agency list by Insurance Business America (IBA). read more
Saudi Arabia Flexes it’s Muscle: Monitor Events and Ensure Travel Risk Management Systems are in Place
These travel risk management best practices are important in today’s complex global risk environment – and more so during times of ... read more
Cost-Sharing Subsidy Update
Avalere Health studied the impact of the decision to cancel the cost-sharing subsidy payments. Here is Avalere’s top-line statement: ... read more
Cost-Sharing Subsidy Update
I once again feel vindicated. As you know, back in August, I highlighted what the Congressional Budget Office (CBO) said in its report read more
ACA “Repair” and “Cost-Sharing” Subsidy Update
Last Tuesday, Sens. Alexander (R-TN) and Murray (D-WA) announced their bi-partisan agreement on a “market stabilization” package. Also read more
Cost-Sharing Subsidy Update
Thursday night, as the Nationals were choking in Game 5, President Trump announced that the Administration would stop making the ... read more
Repeal and Replace Update
As you all know, efforts to pass the Graham-Cassidy bill fell short of generating the necessary 50 votes, so instead of bringing the ... read more
Virginia Student Nehul Kapoor Receives 2017 AHT Scholarship
AHT awarded their 29th annual scholarship in the amount of $5,500 to Nehul Kapoor of Heritage High School (HHS). read more
How Much is Enough? Contingency Planning for the Kenyan Elections
With Kenyans headed back to the polls on October 26th for a re-run of the August elections, there is renewed potential for violence ... read more
United Benefit Advisors Welcomes AHT Insurance as its Newest Partner Firm
United Benefit Advisors (UBA) is pleased to welcome AHT Insurance as its newest Partner Firm. read more
Jim Maulfair Named to 2017 Financial Times 401 Top Retirement Plan Advisers
AHT is pleased to announce that Jim Maulfair, CPA, AIF, Principal and Director of Financial Services has been named to the 2017 list of read more
Repair Update
Last Tuesday, the Senate HELP Committee held its 3rd hearing on ACA “market stabilization,” focusing primarily on the following two ... read more
Phoning Home: The Basics of Emergency & Incident Reporting
You can’t begin managing an emergency until you know there is an emergency. Self-evident? Of course. Although, all too often incident ... read more
Cost-Sharing Subsidy, CBO and IRS Update
This week we briefly touch on the issue of funding the “cost-sharing” subsidies and comment about the controversy’s impact on a ... read more
Not just for evacuations: medical and security assistance companies
Often as I help clients strengthen their global risk management and emergency response systems I will remark that their ... read more
When it’s Time to Go: Considerations for Security-related Evacuation
One of the first historical events I remember in real time was the evacuation of Saigon in 1975. Planes packed to capacity dodging ... read more
AHT Principals Named 2017 Top Producers by Insurance Business
Leesburg, VA – May 5, 2017: AHT Insurance is pleased to announce that seven of its Principals have been named a 2017 Top Producer by ... read more
Laptop in your checked luggage? Avoid it if possible
Beginning Saturday March 25, in response to increased security concerns, laptops and other “large electronics” will be banned from ... read more
Abuja’s airport closure: Time to update medical evacuation plans
Operating in Nigeria can present more than a few challenges. Starting March 8, add the closure of Abuja’s international airport to ... read more
AHT Insurance Signs on as 2017 Risk Summit Sponsor
LEESBURG, Virginia—The Nonprofit Risk Management Center team is proud to announce that AHT Insurance has signed on as a Corporate ... read more
AHT Insurance Awarded 2017 Loudoun County Community Leadership Award
Leesburg, VA – February 1, 2017 - AHT Insurance is proud to announce that they have been awarded a 2017 Loudoun County Community ... read more
Abundance of Caution: Mitigating Risks Associated with US travel ban
As is being widely reported in the media, implementation of the US Executive Order restricting travel from seven majority Muslim ... read more
“Virtual” kidnapping….what does that mean?
Many of us have probably heard of virtual kidnapping, but how many people can really describe the risk? Recent articles in the ... read more
Revised ANSI/PMMI B155.1-2016 Safety Requirements for Packaging and Processing Machinery
Leesburg, VA – December 1, 2016 – PMMI, The Association for Packaging and Processing Technologies, announced the approval of its ... read more
Managing travel health risks: It’s more than vaccines
Zika. Cholera. Bird flu. Malaria. Good old travelers diarrhea. There’s no shortage of illnesses facing global travelers. And then ... read more
New Istanbul Travel Warning: How to Respond?
On Saturday October 29, the US State Department revised their Travel Warning for Istanbul, Turkey reflecting the ordered departure of ... read more
Ethiopia — Challenges on Multiple Fronts
The Ethiopian government’s imposition of a state of emergency following weeks of violent demonstrations further complicates an already ... read more
Dead (or dying) dictators: Managing Risk as Authoritarian Regimes Crumble
"Yes, I was dead, it's true I was dead. I resurrected as I always do,” Zimbabwe’s Robert Mugabe recently joked about his purported ... read more
AHT Insurance Recognized as a Top 100 Agency
Leesburg, VA – August 31, 2016 – AHT Insurance, a leading brokerage providing solutions to clients globally, has been recognized by ... read more
Know Before You Go: It’s More Than a Catchy Phrase
Ticket purchased. Bags packed. Laptop charged to work on the plane. Another business trip and you’re ready to go. Well, almost ... read more
AHT Insurance Recognized as One of the Largest Brokers of U.S. Business
Leesburg, VA (August 2, 2016) – AHT Insurance has once again been recognized on Business Insurance magazine’s list of the “100 ... read more
DOL Increases Penalties for Late 5500 Filings and SBC Violations
The DOL has issued regulations that increase the civil monetary penalties for a wide range of benefit-related violations. Recognizing ... read more
Who’s Where? Tracking travel — an essential part of duty of care
As reports of explosions and small arms fire at Istanbul airport flashed across TV news screens, countless organizational leaders asked read more
AHT Insurance Recognized as a Top Workplace by The Washington Post
Leesburg, VA – July 21, 2016 – AHT Insurance, headquartered in Leesburg, VA since 1921, is pleased to announce that it has once again ... read more
China’s new NGO law: part of a growing trend
With their April 2016 NGO law the Chinese government joined a growing list of countries enacting laws restricting the operations of ... read more
US Embassy Kabul — Security Message May 28, 2016
As most organizations operating in Afghanistan are probably aware, the US Embassy in Kabul recently released a security message ... read more
AHT Insurance Recognized as One of the Top Ten Insurance Brokers in the Washington, DC Metro Area
Leesburg, VA (May 18, 2016) – AHT Insurance has once again been recognized by the Washington Business Journal as a top insurance ... read more
A kidnapping in Kenya: Duty of Care in today’s global risk environment
After his convoy was ambushed near Kenya’s sprawling Dadaab refugee camp in 2012, Steven Dennis spent four harrowing days as a hostage ... read more
AHT Insurance Expands to Open Downtown Washington, D.C. Office
Leesburg, VA – April 21, 2016 – AHT Insurance, a nationally recognized independent insurance brokerage, is pleased to announce the ... read more
Dennis Gustafson and Michael Tomasulo Honored with Power Broker Designation
Leesburg, VA – March 29, 2016 – AHT Insurance is pleased to announce that Dennis Gustafson, Principal, Senior Vice President and ... read more
Travel Agencies & Hotels: An Emerging Trend in Duty of Care Lawsuits?
According to media reports, families of UK citizens killed during a 2015 terrorist attack on a hotel in Tunisia may be preparing to ... read more
AHT Insurance Expands Manufacturing Practice in Chicago
Leesburg, VA – March 2, 2016 – AHT Insurance, a nationally recognized independent insurance brokerage, is please to announce the ... read more
Hotel safety and security: managing risk at a home away from home
Recent high profile attacks on international hotels in Mali and Burkina Faso highlight the severe and persistent threat of terrorism ... read more
AHT Insurance Names New Principals
Leesburg, VA – January 19, 2016 – AHT Insurance is pleased to announce that Brandon Boynton and Ryan Murphy were recently named ... read more
AHT Insurance Names New Principals
Leesburg, VA – January 14, 2016 – AHT Insurance is pleased to announce that Faina Marsh, Jim Maulfair, and Jason Schilperoort were ... read more
AHT Insurance Expands Global Risks Practice with Membership in the Worldwide Broker Network
Leesburg, VA – January 12, 2016 – AHT Insurance is pleased to announced its recent membership in the Worldwide Broker Network. AHT is ... read more
Saudi – Iranian tensions: Ripple effects for travelers in the region
Tensions continue to escalate in the Middle East following Saudi Arabia’s execution of a prominent Shi’ite cleric. After demonstrators read more
(Not so) Happy Holidays
It’s that time of year again -- the holiday season. Without detracting too much from the joy and excitement, it’s important to remember read more
AHT’s 27th Annual Charity Golf Tournament Raises $32,000 to Benefit Loudoun Interfaith Relief and Mobile Hope
Leesburg, VA – December 14, 2015 – AHT Insurance has proudly announced that it raised $32,000 to split between beneficiaries Loudoun ... read more
AHT Insurance Named a Best Place to Work in Insurance
Leesburg, VA – November 30, 2015 – AHT Insurance is pleased to announce that Business Insurance magazine has once again named AHT as ... read more
Managing the risk: Election related violence in the developing world
Roads blocked with burning tires by angry crowds protesting election results in Haiti. Grenade attacks on polling places in Burundi. ... read more
Road traffic accidents: A Truly Global Risk
Every year around 1.24 million people are killed in road traffic accidents. Put another way, someone is killed or seriously injured on read more
AHT Insurance Honored With ‘Best Practices Agency’ Designation
Leesburg, VA – September 25, 2015 – AHT Insurance has retained its status as a ‘Best Practices Agency’ by the Independent Insurance ... read more
May I see your passport please?
Over the weekend of September 12 and 13 Germany, Slovakia, and the Netherlands imposed border controls in an effort to manage the ... read more
AHT Insurance Recognized as a Top Employee Benefits Broker
Leesburg, VA – August 31, 2015 – AHT Insurance has been recognized by the Washington Business Journal as one of the top Employee ... read more
AHT Insurance Recognized as a Top 100 Agency
Leesburg, VA – August 24, 2015 – AHT Insurance has been recognized by Insurance Journal as one of the “Top 100 Privately-Held ... read more
AHT Insurance Recognized as One of the Largest Brokers of U.S. Business
Leesburg, VA (August 18, 2015) – AHT Insurance has once again been recognized on Business Insurance magazine’s list of the “100 ... read more
A Resource is NOT a Plan
What is your organization’s plan for responding to a medical emergency in a developing world country with a poor medical ... read more
Jonathan McClain Honored with NAPA “Young Guns” Recognition
Leesburg, VA – July 22, 2015 – AHT Insurance is pleased to announce that Jonathan McClain, Financial Services Relationship Manager, ... read more
Jim Maulfair Honored with Top Financial Advisor Recognition
Leesburg, VA – July 20, 2015 – AHT Insurance is pleased to announce that Jim Maulfair, National Director of Financial Services, has ... read more
The US Government’s (sort of) New Hostage Policy
Prompted by what many felt was an ineffective and disjointed official response to kidnappings in Syria, the US Government has launched ... read more
Global Terrorism: Managing an Unpredictable Risk
Today’s attacks in France and Tunisia are tragic reminders of the ongoing threat of global terrorism. By its very nature terrorism is ... read more
AHT Insurance Recognized as a Top Workplace by The Washington Post
Leesburg, VA – June 22, 2015 – AHT Insurance, headquartered in Leesburg, VA since 1921, is pleased to announce that it has been ... read more
Establishing Tripwires: Tools for Managing Risk in “Slow Boil” Environments
Remember the story of the frog and the boiling pot? When dropped into a pot of boiling water, the frog immediately realizes the danger ... read more
AHT Insurance Expands Employee Benefits Division
Leesburg, VA – June 1, 2015 – AHT Insurance is pleased to announce the addition of Todd Marangon as Senior Vice President in their ... read more
Duty of Care — What is it & what does it mean to my organization?
In recent years the concept of Duty of Care has firmly established itself in the lexicon of international risk management. But what ... read more
Nepal Earthquake Response & Natural Disaster Preparedness
As the full extent of Saturday’s earthquake in Nepal continues to emerge, companies and organizations operating in the country should ... read more
AHT Insurance Expands to Open Bay Area Office
Leesburg, VA (April 28, 2015) – AHT Insurance, a nationally recognized independent insurance brokerage, is pleased to announce the ... read more
Erbil Bombing: Essential Risk Management Systems for International Operations
Friday’s bombing in Erbil missed it’s apparent intended target -- the US Consulate in the capital of Iraq’s Kurdish region. The attack read more