+1 800.648.4807

AHT BLOG & NEWS


Subscribe to Blog


Off-label Drug Use

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

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

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

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

BRP Group, Inc.’s AHT Insurance Launches First-Ever Psychedelic Therapy Malpractice Insurance Program - Program offers previously ... read more

Your Guide to Holiday Travel

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

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

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

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

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

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

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

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

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

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

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

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

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

Commercial Risk: Supply Chain Risks in 2023

Commercial Risk: Supply Chain Risks in 2023

Read about:

  1. Understanding the Issue
  2. read more

Commercial Risk & Employee Benefits: Natural Disasters – Before, During & After

Commercial Risk & Employee Benefits: Natural Disasters – Before, During & After

Read about:

  1. Understanding the Issue
  2. read more

Insuring Hobby Farms

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

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: 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

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

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

Employee Benefits: Prioritizing Employees After a Natural Disaster

Employee Benefits: Prioritizing Employees After a Natural Disaster

Read about:

  1. Understanding the Issue
  2. read more

What Employees Want – Data Privacy

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

Employee Benefits: Mental Health & the Workplace

Employee Benefits: Mental Health & the Workplace

Read about:

  1. Understanding the Issue
  2. read more

Commercial Risk Management: The Tide is High but We’re Holding On

Commercial Risk Management: The Tide is High but We’re Holding On

Read about:

  1. Understanding the Issue
  2. read more

Private Risk Management: Is Your Online Profile Making You a Target for Criminals?

Private Risk Management: Is Your Online Profile Making You a Target for Criminals?

Read about:

  1. Understanding the Issue
  2. read more

Keeping up with the FTC

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

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

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

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

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

Commercial Risk & Employee Benefits: Natural Disasters & Employee Wellbeing

Commercial Risk & Employee Benefits: Natural Disasters & Employee Wellbeing

Read about:

  1. Understanding the Issue
  2. read more

Private Risk Management: Domestic Staff & Background Checks

Private Risk Management: Domestic Staff & Background Checks

Read about:

  1. Understanding the Issue
  2. read more

Cyber Alert: How Cybercriminals Exploit Bank Failures to Steal Money & Data

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

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

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

Private Risk Management: How Much Risk is too Much Risk?

Private Risk Management: How Much Risk is too Much Risk?

Read about:

  1. Understanding the Issue
  2. read more

Commercial Risk Management: Managing Risk & Cost in Times of Uncertainty

Commercial Risk Management: Managing Risk & Cost in Times of Uncertainty

Read about:

  1. Understanding the Issue
  2. read more

Employee Benefits: Managing Benefits and the Message

Employee Benefits: Managing Benefits and the Message

Read about:

  1. Understanding the Issue
  2. read more

Is that Covered? Biometric Data Risk Sparks Insurance Market Reaction

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

Employee Benefits: Employees Raising the Bar and Raising Costs

Employee Benefits: Employees Raising the Bar and Raising Costs

Read about:

  1. Understanding the Issue
  2. read more

Biometric Privacy Laws – What They Are & Why You Should Care

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

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

Employee Benefits: Solutions for Your Staff & Wallet

Employee Benefits: Solutions for Your Staff & Wallet

Read about:

  1. Understanding the Issue
  2. read more

Tech Layoffs: What it Means for Employers Across Industries

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

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

Cybersecurity Awareness Training for Employees

Areas of learning & best practices to consider when implementing training at your business. read more

Cost Containment: Substance Abuse & the Workplace

Cost Containment: Substance Abuse & the Workplace

Read about:

  1. Understanding the Issue
  2. read more

Cost Containment: Repurposing Commercial Property…Profitable Project or Risky Business?

Cost Containment: Repurposing Commercial Property…Profitable Project or Risky Business?

Read about:

  1. Understanding the Issue
  2. read more

Cyber – Human Error

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

Cost Containment: Tackling Higher Commercial Risk & Employee Benefits Premiums

Cost Containment: Tackling Higher Commercial Risk & Employee Benefits Premiums

Read about:

  1. Understanding the Issue
  2. read more

NOT JUST A PASSING STORM: How Natural Disasters Are Impacting the Insurance Market

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

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

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

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

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

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?

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?

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?

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

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?

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

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

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

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

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

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

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

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.

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

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?

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

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

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

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

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

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

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 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

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

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

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

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

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

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

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

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

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

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

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

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

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

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?

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

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

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

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

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

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 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

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

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

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

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

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

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

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

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?

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

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

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)

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

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?

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?

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

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

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

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?

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

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

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

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

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?

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?

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

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

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

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?

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

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

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

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

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

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

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

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

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

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?

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.

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?

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

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

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

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

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

Nobody Benefits from Unused Benefits

When employees don’t use their benefits, both employers and employees lose. read more

Fleet Safety & Distracted Driving

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. 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

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

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

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

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

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

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 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

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

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?

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

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

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

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

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 & 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

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

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!

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

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

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

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

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

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

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

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 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!

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

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

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

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

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

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

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

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

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

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

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

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

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 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?

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

Ways to Attract & Retain Talent – Executive Benefits

Utilizing Fringe Benefits to Acquire Premier Executive Talent read more

Wellness Wednesday: Managing Work/Life Balance

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

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

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

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

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

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. 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

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

Should You Stay? Risk Management in the “New” Afghanistan – Part 1

By: Joe Gleason, Director Global Risk Management, AHT

  As Afghanistan enters ... read more

Legislative Update

Legislative 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

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

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

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

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

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 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 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

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

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

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

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 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 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

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

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

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

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

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

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

Congressional Update

This recent ruling from the Parliamentarian fascinates me. Why? Because first, I lived through the ACA “reconciliation” exercise back ... read more

Travel Safety & Security in Today’s World

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

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’

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

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

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

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

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

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

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

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

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

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

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 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 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 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

Jim Maulfair Named to 2020 Financial Times 401 Top Retirement Advisers read more

Election/Health Care Policy Update

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

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

Restrictive NGO laws – The Trend Continues

Host government restrictions and pressure on NGOs are hardly new occurrences... read more

Eliminating the Filibuster (Cont.)

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

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

ACA Update

by Christoper E. Condeluci, Principal and sole shareholder of CC Law & ... read more

COVID-19 Update

COVID-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

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 Acquires Mason & Mason Insurance

AHT announced the acquisition of New England based Mason & Mason Insurance read more

NAM Cyber Cover Just Announced

NAM Cyber Cover Just Announced

New NAM Cyber Cover Helps Protect Unique Exposures Facing Manufacturers read more

Health Care Policy Update

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

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

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…

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

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!

Be a Follower – Really, it’s OK!

If all your peer organizations are doing something, should you? read more

Coronavirus Update

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

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

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

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

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

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

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

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?

COVID-19 – What Should Organizations be Thinking About?

Considerations as organizations manage the risks associated with COVID-19... read more

ACA Update

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

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

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

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

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

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 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

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

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

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

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

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

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

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 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 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

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

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 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

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 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

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

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

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

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 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 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

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

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

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

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

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

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!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“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

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

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

“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

“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

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

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

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?

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

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

“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

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

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 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

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

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

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

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

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

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

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

“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

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

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

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 Completes Acquisition of Saul & Associates

AHT Insurance announces the acquisition of R.A. Saul & Associates, effective August 1, 2018. read more

HSA Update

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

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

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

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

“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

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

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

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

HSA Update

In a relatively bipartisan hearing, Republicans and Democrats discussed ways Congress could modify the HSA rules to allow ... read more

ACA Update

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

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

“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

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

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

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

“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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 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

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

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

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

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

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

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

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

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 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

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

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

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

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

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

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

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

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

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

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

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

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?

“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

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

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?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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?

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

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

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

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

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

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

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

(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

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

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

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

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

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?

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

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

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

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

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

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

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

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

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

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

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

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?

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

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

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

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