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Compliance guides
The ACA employer mandate: who must offer coverage and the 2026 penaltiesWho is an applicable large employer, what coverage avoids the 4980H penalties, and the 2026 figures: 9.96% affordability, $3,340 and $5,010.ACA reporting: Forms 1094-C and 1095-C for large employersWho files Forms 1094-C and 1095-C, 2026 deadlines, the website-notice option under the Paperwork Burden Reduction Act, e-filing and penalty amounts.Additional insured endorsements explainedWhat CG 20 10, CG 20 37, CG 20 26 and CG 20 38 do, how the 04 13 wording limits additional insured coverage, and why a certificate is not the endorsement.AIA A201-2017 insurance requirements, provision by provisionWhat AIA A201-2017 Article 11 and the A101 Exhibit A require of owner and contractor: liability, builder's risk, waivers, bonds and what to negotiate.Benefits for part-time and seasonal workers: ACA and eligibility rulesWhen part-time, seasonal and variable-hour employees count under the ACA employer mandate, how look-back measurement works, and what else you must offer them.How captives are taxed: premiums, 831(b), excise tax and distributionsHow captives are taxed: premium deductions, the 2026 section 831(b) limit, the 4% excise tax, premium taxes and the micro-captive court cases.Certificates of insurance: what they prove and what they do notHow to read an ACORD 25 certificate of insurance, what it cannot prove about additional insured status or cancellation, and how state laws limit certificates.COBRA continuation coverage: what employers must doWhich employers COBRA covers, notice and election deadlines, the 102% premium cap, coverage periods, penalties and how state mini-COBRA laws fill the gap.Certificate tracking software and digital COIsWhat certificate tracking software does and cannot verify, what to look for in each tool category, and the state laws that limit what a certificate may say.Commercial insurance fraud: premium fraud and staged claimsHow premium fraud and claim fraud work in commercial insurance, what they cost a business that commits or suffers them, and how to avoid fake policies.Insurance requirements in commercial leasesWhat a commercial lease typically makes a tenant buy, from liability limits and additional insured status to waivers, and how to negotiate them before signing.ConsensusDocs 200 and 750 insurance requirements explainedHow ConsensusDocs 200 Article 10 and the 750 subcontract handle indemnity, CGL, builder's risk, waivers, additional insureds and bonds, versus AIA.How to review the insurance requirements in a contractA step-by-step method for reading the insurance clause in a lease, vendor or construction contract, matching it to your policies and fixing gaps before signing.Contractual liability coverage and insured contractsHow the CGL contractual liability exclusion and insured contract exception work, what CG 24 26 changes, and how anti-indemnity laws limit hold-harmless clauses.Contractual risk transfer: shifting liability by contract and insuranceHow indemnity clauses, insurance requirements, waivers and bonds shift liability to a counterparty, and where each fails: solvency, endorsements, state law.Data breach notification laws and what they costEvery state requires breach notices, and the law that applies is where affected people live. Deadlines, regulator notices, penalties and cyber policy payouts.Employer-owned life insurance: notice and consent rules under IRC 101(j)What IRC 101(j) and Form 8925 require of employers that own life insurance on employees: written notice and consent before issue, exceptions, fixes, and filing.ERISA basics for small employers: what the law requires of your benefit plansWhat ERISA requires of employers with health, life and disability plans: documents, notices, fiduciary duties, bonding and 2026 penalty amounts.ERISA fidelity bonds vs fiduciary liability insuranceAn ERISA bond is required and covers theft by people who handle plan money. Fiduciary liability insurance is optional and covers breach claims. How each works.Form 5500 for health and welfare plans: who files and whenWho files Form 5500 for group health, life and disability plans: the 100-participant and 80-120 rules, deadlines, schedules and 2026 late-filing penalties.Franchise insurance: what franchisors require and whyWhat franchise agreements and FDDs require for insurance, how additional insured status protects the franchisor, and what to price before you sign.Insurance requirements for government contractorsFederal contract insurance and bond rules: FAR 28.307-2 minimums, FAR 52.228-5 and 52.228-7, Miller Act bonds under 40 U.S.C. 3131, and what to expect on a bid.Group-term life over $50,000: imputed income and how to calculate itHow employers calculate and report imputed income on group-term life above $50,000 under IRC 79, using the 2026 Table I rates from IRS Publication 15-B.HIPAA breaches and cyber insurance for healthcare providersHow the HIPAA Breach Notification Rule, OCR penalties and state laws drive costs after a patient-data breach, and what a cyber policy does and does not pay.How commercial insurance brokers get paidCommissions, client fees, contingent and supplemental pay, wholesale splits, and the rules that let you ask what a broker earns on your account.How to read a commercial policy: declarations, forms and endorsementsHow a commercial policy is assembled, what to check on the declarations, why endorsements override the base form, and a reading order that catches problems.Indemnification and hold harmless clauses and your insuranceWhat indemnify, defend and hold harmless promise, how broad, intermediate and limited clauses differ, and how TX, NY, FL and CA limit them.Independent contractors and workers' comp: the misclassification riskHow workers' comp treats independent contractors, why a 1099 label does not settle it, and where the DOL, IRS and ABC tests stand as of October 2026.Insurance applications: why accuracy matters and what misrepresentation costsWhat you promise on a commercial application, how states treat material misstatements, and how errors become rescission, denied claims or premium fraud.Fraud analytics: how insurers detect fraudHow insurers use rules, link analysis, machine learning and shared databases to flag suspicious claims, and what a flag means for an honest policyholder.Insurance requirements by contract type: a side-by-side guideHow AIA and ConsensusDocs construction contracts, MSAs, commercial leases, franchise agreements and federal contracts differ in the insurance they demand.Is business insurance tax deductible? What counts and what does notMost business insurance premiums are deductible. Life insurance you benefit from, self-insurance reserves and income-replacement policies are not.ISO forms and why most commercial policies look alikeWhat ISO forms are, how a form number such as CG 00 01 04 13 is built, why insurers adopt them, and where policies depart from the standard wording.License and permit bonds: who needs one and how they workA license or permit bond is a surety guarantee a government requires before licensing you. Real amounts, how claims work, and what a lapse does to the license.Master service agreement insurance requirements, line by lineA sample MSA insurance clause read line by line: what each requirement means for a vendor's CGL, auto, comp, E&O, cyber and crime cover, and what to resist.Mental health parity rules for employer health plans in 2026What MHPAEA requires of employer plans, the status of the 2024 final rule and its 2025 non-enforcement policy, and what to ask your carrier or TPA now.Micro-captives (831(b)) and the IRS: rules, red flags and reportingThe section 831(b) micro-captive: 2026 premium limit, the January 2025 IRS disclosure rules, court losses and the red flags to check before joining one.OSHA recordkeeping, injury rates and insuranceWhich injuries go on the OSHA 300 log, how TRIR and DART are calculated, and how underwriters, contract owners and your experience mod read the numbers.Paying a ransom: sanctions risk and reporting rulesNo federal law bans a business from paying a ransom, but OFAC sanctions liability is strict. What the rules say, how payments are screened and who must be told.Primary and noncontributory wording in contractsWhat primary and noncontributory means, how ISO CG 20 01 changes the CGL other insurance condition, and how to read the contract clause that asks for it.Producer licensing for agents and brokersHow U.S. producer licensing works: lines of authority, resident and nonresident licenses, NIPR and the NAIC Producer Licensing Model Act, and buyer checks.Sanctions clauses in insurance policiesWhat sanctions clauses such as LMA3100 do, how OFAC risk reaches your policy, and how to read the wording before a claim, cargo shipment or ransom payment.Section 125 cafeteria plans: premium-only plans, FSAs and 2026 limitsWhat a Section 125 cafeteria plan is, which benefits it can and cannot include, how elections and nondiscrimination work, and the 2026 IRS limits.State disability and paid family leave programs: every mandate in 2026Which states and DC require paid family or medical leave or temporary disability insurance in 2026, who funds each, and which are already paying benefits.State privacy laws and what they mean for business insuranceWhich comprehensive state privacy laws are in force as of October 2026, who they cover, and how they affect cyber insurance, regulatory cover and applications.Managing subcontractor insurance and certificatesWhat to require from subcontractors, which endorsements to collect, how to verify comp and liability coverage, and what falls on you if a sub has none.How to switch business insurance carriers without a gapA step-by-step plan for changing commercial insurers: when to switch, what to ask for, claims-made retro dates, contract endorsements and the order to cancel.Waiver of subrogation: what it is and when contracts require itWhat a waiver of subrogation does, how CG 24 04 and the workers' comp WC 00 03 13 endorsement work, and how to read the contract clause that demands one.Workplace wellness programs: legal rules and what the evidence showsHow HIPAA, the ADA and GINA limit workplace wellness programs, where EEOC incentive limits stand in 2026, how incentives are taxed and what research shows.