Resources

Physician Insurance Limits: Does $1 Million Provide Enough Protection?

The Horton Group recently had a physician client named in a wrongful death claim. This physician was insured with a national carrier, carried a $1M/$3M policy…

Ice Damming – What Is It, and Am I Covered?

Winter landscapes may seem peaceful and picturesque – however, water/ice damage makes up 20 percent of all homeowner insurance claims. Some of the most common…

Understanding Wind/Hail Deductibles

Understanding your insurance policy is essential to protecting your home from the unexpected. If you live in an area prone to severe weather, such as…

Social Determinants of Health

This paper offers background and strategies to create a supportive environment that can help meet the diverse needs of your workforce. Social Determinants of Health…

DOL Targets Employment-related Contract Clauses

On Oct. 15, 2024, the U.S. Department of Labor’s (DOL) Office of the Solicitor (SOL) released a special enforcement report identifying seven “fine-print” employment-related contract…

FTC Appeals Federal District Court Decision Blocking Noncompete Ban

On Oct. 18, 2024, the Federal Trade Commission (FTC) filed a notice of appeal contesting the U.S. District Court for the Northern District of Texas’…

Proposed Rule Would Broaden ACA’s Contraceptive Coverage Mandate

On Oct. 21, 2024, the Departments of Labor, Health and Human Services, and the Treasury issued a proposed rule that, if finalized, would expand access…

How Educational Assistance Programs Can Help Pay Student Loans Through 2025

The IRS is reminding employers that their educational assistance programs can be utilized to help cover their employees’ student loan payments. While educational assistance programs…

IRS Ruling Allows Employees to Choose Between Health, Retirement, and Student Loan Benefits

The IRS has issued a private letter ruling (No. 202434006) approving an employer program that allows employees to allocate employer contributions across multiple available benefits.…

CMS Sets New Cost-Sharing Limits for 2026 Health Coverage Plans

On October 8, 2024, the Centers for Medicare and Medicaid Services (CMS) announced the maximum cost-sharing limits for 2026 under the Affordable Care Act (ACA).…

New ACA Reporting Penalties for Returns Filed in 2026

IRS Revenue Procedure 2024-40 outlines updated penalty amounts for reporting entities that do not meet the Affordable Care Act (ACA) requirements under Internal Revenue Code…

Deadline to Submit Gag Clause Attestation Is Dec. 31, 2024

HIGHLIGHTS Health plans and issuers are required to ensure their agreements with providers, TPAs and other service providers do not include prohibited gag clauses. Health…

IRS Issues Health FSA Limit for 2025

HIGHLIGHTS Beginning in 2025, the health FSA dollar limit increases to $3,300 for plan years. Employers may impose their own dollar limit on employee salary…

A Letter From Horton’s M&A Practice: What Merging with MMA Means for Our Clients

To our M&A clients, When Horton initially developed its M&A Practice, our vision was to deliver a unique “concierge consulting” experience, offering our clients both…

Buying An Office Location? Why An LLC May Be Right For You

Author: This article was originally published by Malecki Brooks Ford Law Group, LLC. To view the article, click here. Your business is thriving and you…

2025 Sees a Boost in Qualified Transportation Fringe Benefit Caps

The IRS recently released Revenue Procedure 2024-40, including cost-of-living adjustments for employee qualified transportation fringe benefits for the 2025 taxable year, and annually adjusted numbers…

Supreme Court Ruling in Connelly v. United States Impacts Buy-Sell Agreements

By: Jon Dannemiller, Senior Consultant of Executive Benefits of Marsh McClennan Agency In Connelly v. United States (June 2024), the Supreme Court unanimously ruled that…

White Paper: Transportation & Trucking – Business Insurance Claims Consulting

Discover the critical issues impacting the transportation industry, from driver shortages to parking problems, and explore the rising exposure of trucking liability claims. For more…

Welding & Gas CFO Club Recap October 2024

Thanks for the crew of 15 that joined us for our 13th edition! Big shout out to John who is retiring and joined his last…

The Growing Threat of Social Engineering

In today’s digital world, cybercriminals have found a new target: people. Instead of relying solely on hacking technology, they use a strategy called social engineering,…

Calling All Interest in a Welding & Gas Captive

Captives are starting to rise in popularity, and many distributors are jumping in. Because of this, Horton is gauging interest in building a welding and…

Optimal Project Delivery Methods, Integrated Project Delivery (IPD), and Building Information Modeling (BIM) for Construction Success

In the dynamic world of construction, choosing the right project delivery method and utilizing advanced tools like Building Information Modeling (BIM) can significantly impact the…

Construction Industry Roundup: Safety Professionals, Committees, and Evolving Insurance Strategies

Ensuring workplace safety and navigating insurance complexities are vital to maintaining operational integrity and legal compliance. This roundup delves into two critical aspects of the…

Securing the Future: Safeguarding Health Care Employee Retirement Accounts from Cyber Threats

Cybersecurity has become a pressing concern, threatening our personal data and the integrity of our professional environments. The health care industry, in particular, has experienced…