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Archive for August 2018

New Maryland Law for Enhanced Uninsured Motorist Coverage

Maryland drivers should be aware of a law that took effect for personal auto policies purchased on or after July 1, 2018. In order to expand protection for drivers who are injured by uninsured or underinsured motorists, insurers issuing new policies are now required to offer enhanced underinsured motorist (EUIM) coverage to replace traditional underinsured…

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2018 Best Practices Recipient….AGAIN!

Consolidated retains its Best Practices status, once again becoming a part of an elite group of independent insurance agencies around the United States.  This status comes by participating in the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) Best Practices Study Group.   The annual survey and Study of leading independent insurance…

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Controlling Workers’ Compensation Costs

Fourth in a series of installments on workers’ compensation coverage In previous posts on workers’ compensation, we’ve covered experience modification factors, what makes a claim compensable and signs of fraud. Now, let’s get to the bottom line – literally – and talk about controlling your workers’ compensation costs. The first thing to understand about cost…

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HSA/HDHP Limits to Increase for 2019

On May 10, 2018, the IRS announced inflation-adjusted limits for both health savings accounts (HSAs) and high deductible health plans (HDHPs) for 2019. These recently-announced limits include the maximum HSA contribution limit, the minimum deductible amount for HDHPs and the maximum out-of-pocket expense for HDHPs. Note, however, that not all of these are changing in…

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