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The Value of Belonging in the Workplace

As employers compete for top talent, they can turn their attention to workplace culture and belonging to keep employees engaged and make them feel accepted.

Legalized Marijuana and Employment: Off-duty Use and Drug Testing

Gain a general understanding of federal and state marijuana laws for employers.

Managing Your Total Cost of Risk

Total cost of risk is the cost of both pure and speculative risk. It is synonymous with price — the price of your risk management program.

Video: Enduring Periods of High Inflation

Watch this video for five strategies for enduring periods of high inflation.

National Teen Driver Safety Week 2022

October 16-22, 2022, is National Teen Driver Safety Week. Now is a great time to have important conversations with teen drivers about staying safe behind the wheel. 

Return to Work Program: A Comprehensive Guide to Developing an Effective Plan

The following guide will help you construct an effective return to work program and create meaningful work assignments for workers injured both on and off the job. It includes background statistics to support the program, steps to take before execution, tips on how to manage the program and implementation recommendations.

Attraction & Retention Tips for Small Businesses

Businesses of all sizes are currently facing attraction and retention challenges. Often, small employers have the agility to respond to the employment market with new strategies. Read on for some attraction and retention tips.

How Employee Theft Can Devastate Any Business

Employee theft occurs much more frequently than employers realize. By taking a few simple steps to ensure honest work practices, you can substantially reduce your risk.

Understanding How Habits Work to Influence Safety

As an employer, safety is your responsibility, and it’s important to identify workplace hazards and instill safe employee habits to ensure corrections remain permanent.

CHECKLIST: Complying with COBRA

Download and use this checklist as a guide when reviewing your company’s compliance with COBRA.

Reducing Auto Claims for Businesses

Work-related automobile accidents expose businesses to liability risks, legal expenses, lost time, decreased productivity and increased insurance and workers’ compensation rates. 

HSA & HDHP Limits Increase for 2023 | Schauer Group Employer’s Guide

Recently, the IRS released Revenue Procedure 2022-24 to provide the inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2023.

Employee Well-being as an Enterprise Risk

Although employee well-being is typically considered an HR-related matter, it’s also an enterprise risk that directly correlates with a wide range of key business objectives.

The Impact of Supply Chain Issues and Rising Inflation on Employers

The COVID-19 pandemic tipped off supply chain issues that may take years to reconcile. Now, employers are left wondering how they might be able to stay afloat amid unprecedented market uncertainty.

Is Telecommuting Right for Your Employees?

In a post-COVID world, telecommuting has become more widely accepted—and often expected. There is no definitive answer as to whether telecommuting will be good or bad for your business long-term.

Neighborhood Watch Groups in Your HOA

While they are intended as a risk management tool, watch groups can actually create more issues if volunteers go beyond simply reporting suspicious activity and instead take law enforcement into their own hands.

Defensive Driving Safety

When it comes to preventing collisions and remaining safe on the road, strong defensive driving skills are crucial. Defensive driving allows you to anticipate potentially dangerous on-the-road situations. This video covers some basic strategies to keep in mind.

Reviewing Your Company’s Contracts

Contracts can contain terms that impact your company’s bottom line. Reviewing them carefully prior to signing is indispensable, and can save you time and money.

Is Using Social Media Right for Your Business?

Social networking is a priceless public relations and viral marketing tool. However, popular social networking sites can present a significant hazard to your company and its reputation, depending on how you and your employees use them.

Common Exposures for Nonprofit Organizations

Nonprofit organizations provide essential social services that benefit the community and their members. However, even if your organization doesn’t sell a product or generate profit, there are still a number of potential risks that can affect your employees, assets, volunteers, directors and officers, and most importantly, your mission.

Market Snapshot: Why Is It So Hard to Find Workers Right Now?

Employers across the country are facing a pronounced issue right now: too many open positions and not enough workers. Why are individuals slow to return to work despite available positions and how can employers attract some of these workers?

Common and Costly Employee Benefits & HR Mistakes

Mistakes in employee benefits and human resources can be quite costly to employers—in the form of extra benefits, complaints, lawsuits, government-assessed fines and penalties, and attorney fees, to name a few. Don’t learn the hard way what these mistakes are.

Unique Risks of Family-owned Businesses

While any business’ relationships can be complex, adding a family dynamic to the mix creates a labyrinth of unique issues and risks to navigate.

Managing Green Construction Contract Risks

Capitalizing on the trend to build green can quickly turn your profit margin from black to red if you don’t have a clear understanding of your additional contract exposures.

Entrust storm repairs to honest contractors

When businesses and homeowners are desperate for help to repair and rebuild after a disaster such as a hurricane, tornado or wildfire, they seek assistance from anyone who will offer help. Unfortunately, there are scammers who prey on those emotions and take advantage of good people in their darkest hour.

Top 10 Threats to Small Businesses

The first step in implementing a comprehensive risk management plan is identifying potential risks. To help you get started, we have provided a list of the top 10 threats facing small business owners.

Helping Employees with Health Care Claims

Navigating the health care claim process can be challenging for employees, and delayed claim payments and denied claims make it even harder for employees to manage their health care.

Data Breaches: A Growing D&O Concern

As a director or officer at your company, you face litigation risks based on the decisions you make following a data breach and on how you influence cyber security policies.

Umbrella Insurance for Your Business and Peace of Mind

In a culture where litigation is commonplace, business owners have many more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages and a tainted reputation in the marketplace. To assist with the financial burden of a claim, many business owners purchase commercial umbrella insurance on top of their standard commercial general liability (CGL) insurance policies.

Employee Cyber Training: Passwords

Making a strong password is really important. But one strong password won’t keep you secure. With the rise of corporate data breaches, learn the best strategy to keep all of your accounts secure from cyberattack.

Cut Your Costs without Laying Off Employees

As many organizations continue to struggle in this tough economy, many employers are finding effective ways to cut costs without having to lay off any employees.

Return to Work Programs & Working Safely in the Heat

Employers can benefit from Return-to-Work programs by retaining skilled employees, reducing short- and long-term disability claims, and obtaining a lower workers’ compensation experience modification factor—positively affecting their premium costs and ability to gain new work.

5 Ways HR Can Support Employees’ Mental Health

Here are five simple ways that your company can create a workplace that is supportive of employees and their mental health.

Costly Mistakes: Failing to Remit Payroll Taxes and Retirement Plan Contributions on Time

Failing to remit payroll taxes and retirement plan contributions in a timely manner is not only a violation of an employer’s legal obligation, it can also subject your company to heavy penalties.

The Value of Surety Bonds

Since private owners cannot afford to gamble on a contractor whose reliability is uncertain, a surety bond is a great safety net for the investment.

Employer’s Guide to American Rescue Plan Act’s Impact on COBRA

VIDEO: Legal Updates of American Rescue Plan Act

This short video covers the legal updates for the American Rescue Plan Act.

COBRA Subsidy Provisions of the American Rescue Plan Act

The American Rescue Plan Act (ARPA), signed into law March 11, 2021, provides a 100% subsidy of premiums for employer-sponsored group health insurance continued under the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA) and similar state continuation of coverage (mini-COBRA) programs.

American Rescue Plan Contains Employment-related Provisions

President Joe Biden signed the American Rescue Plan Act of 2021 (ARPA) into law on March 11, 2021. Along with providing financial relief for individuals, state and local governments, schools, businesses and for other purposes, the law contains the following measures of special interest to employers and their employees.

Preventing Distracted Driving

This short video includes tips that can help drivers avoid dangerous distractions on the road.

Wearing Facial Coverings or Masks in the Workplace During COVID-19

Schauer Group recommends employers familiarize themselves with best practices related to masks and face coverings in the workplace—including any state-specific guidelines—to help prevent the spread of COVID-19.

Planning for Retirement

It is never too early to start planning for retirement. Schauer Group suggests considering this retirement checklist.

Wrap-up Insurance Programs for Construction Projects

Schauer Group suggests project owners and general contractors turn to a wrap-up insurance program for construction projects to manage their risks.

Cyber Security for Your Small Business

Recent surveys suggest that many small business owners are still operating under a false sense of cyber security.

The Costs and Drivers of Directors & Officers Liability Insurance

At Schauer Group, we believe that directors and officers liability (D&O) insurance is a fundamental component of any company’s risk management program.

Insurance Policy Record Retention

Schauer Group recommends the following plan of action to ensure that you remain in compliance with your insurance recordkeeping.

The Benefits of Generic Medication

Schauer Group recommends increasing employee use of generic medication. It may be one of the most effective ways to make an immediate impact in your budget.

Unemployment Insurance

Discussing unemployment benefits can often ease the tension when discussing a temporary furlough with an employee.

Facing New Liabilities in an Economic Downturn

Schauer Group has compiled these tips for coming out of the economic downturn to keep your business prospering well into the next economic cycle.