August 27, 2014

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What your broker doesn’t know CAN hurt you…

Regardless of you industry, the size of your company, or the sophistication of your systems, nearly everyone has heard of Cyber Liability. It is one of the hot topics in risk management as of late. Unfortunately, most insurance brokers and agents have little understanding of this product and how it should be used to fully […]

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August 26, 2014

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More Electronic Buzz

The American Heart Association (AHA) released its first policy statement on electronic cigarettes (e-cigarettes) on Monday, August 25, 2014. The statement was written by a group of scientists, physicians and researchers that studied the latest research on e-cigarettes. The association considers nicotine containing e-cigarettes to be tobacco products and therefore should be regulated the same […]

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August 26, 2014

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Using the Electronic Disclosure Safe Harbors

ERISA requires employers to provide a multitude of documents about their employee benefit plans to covered participants. How these documents make their way to participants is regulated by the Department of Labor (DOL) and many can be delivered electronically. The government created “safe harbors” that release employers from liability if followed. There are two types […]

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August 19, 2014

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What’s for Lunch?

As students go back to school they will either bring their lunch from home or participate in a school lunch program at their school. The National School Lunch Program is a federally assisted lunch program that operates in public or nonprofit private schools. Schools that choose to participate in the lunch program receive cash subsidies […]

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August 18, 2014

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J.W. Terrill Supports Reinvest North County Fund

In honor of the people who live, work and go to school in the city of Ferguson and surrounding communities, J.W. Terrill has made a donation to the Reinvest North County Fund, organized by The St. Louis Regional Business Council (RBC) to support small business owners and school children who were impacted by the recent […]

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August 12, 2014

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J.W. Terrill Recognized as One of the Largest Brokers of U.S. Business

For immediate release: J.W. Terrill has been recognized on Business Insurance magazine’s list of the “100 Largest Brokers of U.S. Business.” The survey, based on 2013 brokerage revenues, demonstrates the success of J.W. Terrill’s commitment to delivering high-value risk management expertise, services, and products. “It is an honor to be named one of the nation’s […]

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August 12, 2014

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Update on Hobby Lobby Decision

The Hobby Lobby ruling has continued to cause controversy since its decision more than a month ago.  The ruling declared two closely-held, for-profit corporations with sincerely held religious beliefs do not have to provide a full range of contraceptives at no cost to their employees, as required under the Affordable Care Act.   The Court in […]

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August 12, 2014

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Draw your attention to attention disorders, then to a broker

1 in every 10 children in the U.S. ranging from ages 4-18 are diagnosed with Attention Deficit Hyperactivity Disorder (ADHD). According to the New York Times, the diagnoses of ADHD/ADD has increased by 41% within the past decade, and increased 16% between 2007 and 2013. While most research pertaining to ADHD and other attention disorders […]

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August 8, 2014

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Managing Risk and Cybersecurity

The recent news of a Russian crime ring perpetrating a massive data breach of nearly 1.2 billion usernames and passwords has hit headlines world-wide. While the extent of the loss may never be fully realized, it is expected that the scope of the loss will be much larger than this initial claim. The information in […]

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August 7, 2014

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August is National Immunization Awareness Month

Immunizations can prevent serious diseases like influenza, measles, shingles, pnuemonia and tuberculosis. It is important to know which immunizations you need and when. Vaccines are recommended throughout our lives based on age, lifestyle, occupation, locations of travel, medical conditions and previous vaccines. The CDC updates vaccine recommendations for adults each year based on the latest research […]

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