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Welcome to the Winter 2015 issues of HUB Connects. HUB Connects provides information on the current trends and topics impacting personal and business insurance, risk management and employee benefits strategies.

PERSONAL:

YOUR LIFE. YOUR FAMILY. YOUR HOME.

Ten Completely Preventable Homeowners’ Insurance Claims - The upside to creating our own insurance woes is that there is ample opportunity to prevent them – with a little proactive attention.

CO Poisoning: Reduce Your Exposure to the Leading Cause of Fatal Poisonings in North America - An average of 170 Americans die each year from carbon monoxide produced by non-automotive products. Risks are particularly acute in fall & winter months.

Expecting the Unexpected: Disaster Planning Best Practices for High Net Worth Individuals - For the high net worth individual, whose portfolio includes coastal estates, valuable collections and more, securing assets has never been more critical.

Texting to Distraction: How States Are Cracking Down on Texting Behind the Wheel in 2015 - Police forces in states across the nation are adopting new techniques to identify and discipline distracted drivers before damage occurs.

BUSINESS:

YOU'VE WORKED HARD TO BUILD YOUR BUSINESS. PROTECT IT.

Not Such Risky Business: the HUB RMIS Solution Enhances Risk Management for Businesses of All Sizes - Designed to help organizations manage risk intelligently and deliver solutions, an RMIS provides the data and analysis needed to understand and act.

Executive Liability Increases with Corporate Data Breaches - With the average breach costing $5.9 million in 2014, it can be debilitating for all - including a company’s directors and officers.

Minimize Workers' Comp Costs by Keeping Employees Healthy - Healthier people are more productive, happier, cultivate a team environment and have lower turnover and absenteeism – bringing efficiency to a workplace.

Reporting it Right - Businesses not found in compliance with OSHA requirements face penalties of up to $70,000 per violation, and could land on OSHA’s high hazard employer list.

Sheltering Businesses from Severe Weather - Domestic winter-related insured losses reached $2.5 billion in 2014. Predictions for 2015 suggest even more significant damage.

EMPLOYEE BENEFITS:

ATTRACT & RETAIN TALENT. IMPROVE YOUR BOTTOM LINE.

The Optimization of Employee Benefits: More Employers Turn to Private Exchanges to Manage Healthcare Costs - With a private exchange model, the employee owns the decision-making process, with interactive technology and an allowance of dollars to “shop.”

Voluntary Benefits Are Now Necessary Benefits: Providing More Options to Employees without Increasing Your Costs - 68% of employers say they plan to re-evaluate their benefits strategy to offset the impact of healthcare reform.

Taking Leadership on Health Care Reform: A Call to Action for Business Owners and Operators - How do you position your business to make a positive impact at the federal level? The key will be brainstorming practical solutions to the challenges.

Consumer-Engaged Plans Can Right-Size Healthcare Costs: Understanding HSA Benefits - An HSA offers employees an opportunity to use accrued pre-tax funds to help pay for eligible, but otherwise not-covered, medical expenses.

Benefit Enrollment with a Personal Touch: The Wahoo's Fish Taco Success Story - Restaurateurs must comply with HCR mandates while managing health care costs. Wahoo’s found the “secret sauce” with HUB International Insurance Services.

 

 

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