RECENT ENTRIES

Legal Update - IRS Allows Leave Donation Programs for Covid-19

JULY 7, 2020

Employer-sponsored leave-donation programs allow employees to forgo their accrued paid leave in  exchange for cash donations that the employer makes to charitable organizations. To avoid negative tax consequences for the employees who donate their unused paid leave, the IRS Read More +

Workers Compensation Changes for COVID-19

JULY 1, 2020

There have been important changes made to Work Comp laws and COVID-19 related illness as far as compensability. As of June 30th, several states have made, or are in the process of making changes, that reverse the burden of proof from employee to employer in order Read More +

Coronavirus Resources

JULY 1, 2020

The coronavirus (COVID-19) continues to change daily life. The outbreak is impacting all of us across borders and industries, and will for some time. During this unprecedented global health crisis we will continue sharing articles and resources to help navigate this challeng Read More +

Identity Theft Response Checklist

JUNE 26, 2020

In the event that you are the victim of an identity theft incident, you can help bolster your response efforts and mitigate potential damages by following the steps on Read More +

FDA Warns of Possibly Toxic Hand Sanitizer

JUNE 24, 2020

The Food and Drug Administration (FDA) is advising consumers to refrain from using nine brands of hand sanitizer manufactured by Eskbiochem SA de CV in Mexico. The FDA made this announcement after discovering these brands’ hand sanitizers may contain methanol, or wood alco Read More +

OSHA Guidance for Reopening Nonessential Businesses

JUNE 23, 2020

On June 18, 2020, the Occupational Safety and Health Administration (OSHA) released guidance to help employers plan how to reopen nonessential businesses. The guidance also addresses issues employers should consider as they ask their employees to return to work during the CO Read More +

EEOC Updates Employer Guidance on Coronavirus and the ADA

JUNE 17, 2020

On May 19. 2020 the Equal Employment Opportunity Commission (EEOC) issued additional answers to frequently asked questions (FAQs) about how employers should comply with the Americans with Disabilities Act (ADA) during the coronavirus/COVID-19 pandemic. The additional FAQs we Read More +

Supreme Court Rules Sexual Orientation and Gender Identity Discrimination Violates Title VII

JUNE 16, 2020

In a much anticipated decision issued on June 15, 2020, the US Supreme Court has ruled that Title VII of the federal Civil Rights Act protects individuals against employment discrimination based on their sexual orientation or gender identity. The Supreme Court’s decision r Read More +

Updated Employee Leave Requirements for Coronavirus

JUNE 15, 2020

In response to the coronavirus (COVID-19) pandemic, states have passed new employee leave laws and issued new regulations and guidance on existing leave laws and programs. This Compliance Bulletin from Zywave briefly summarizes new state leave rules designed for workers affe Read More +

20 FOR 2020: Information Security Explained

JUNE 10, 2020

This quick-hitting video series from Tetra Defense, unpacks all 20 Critical Security Controls from CIS, the Center for Internet Security, so you can understand and use this information to improve your cybersecurity defenses and mitigate risk. Read More +

Fostering Inclusivity in a Post-Coronavirus Workplace

JUNE 10, 2020

Diversity and inclusion in the workplace are not new concepts. As the threat of COVID-19 shifts, and employees are returning to work or even staying in their remote workplaces, the pandemic has brought with it a change and a new awareness.  Employers need to embrace those c Read More +

Checklist for Creating the Post-Coronavirus Office

JUNE 9, 2020

As organizations create return-to-work plans, many employers are reviewing best practices for their post-coronavirus office. This checklist will be a helpful guide as you navigate the changes that will be necessary for your office.  By updating office layouts, encouraging n Read More +

Why Do I Need Flood Insurance?

JUNE 9, 2020

When floodwater from a severe, week-long storm started pouring through the walls of Becky Bentley's house, she knew she had to get out fast. In the short time it took her and her son to run upstairs to grab the family cat, the rapidly rising water trapped them on the second Read More +

Protecting Your Business During Civil Unrest

JUNE 9, 2020

Riots, vandalism and civil unrest can create unique challenges for businesses. It’s crucial for businesses to take steps to mitigate the risk of potential damages from vandals, stolen or damaged goods and possible property damage while staying informed via local authoritie Read More +

Congress Passes Bill Amending Paycheck Protection Program

JUNE 5, 2020

Congress has passed the Paycheck Protection Read More +

Ransomware Stress Test

JUNE 4, 2020

We wanted to share this comprehensive, free self-assessment tool from Tetra Defense, who is our upcoming webinar speaker on June 16th, 2020 at 10am. You may wonder what Ransomware is, and why it should concern you and your business? Read More +

Common Employment Practices Claims Arising Out of COVID-19

MAY 28, 2020

As the repercussions from this pandemic are starting to make themselves known, now is the time to take necessary steps to check your communications, policies, any new laws and to rollout a clearly communicated return-to-work plan. Read More +

Protecting Workers from Heat Stress

MAY 26, 2020

Heat Illness Exposure to heat can cause illness and death. The most serious heat illness is heat stroke. Other heat illnesses, such as heat exhaustion, heat cramps and heat rash, should also be Read More +

Return to Work Communications Planning Checklist

MAY 20, 2020

The coronavirus disease (COVID-19) pandemic has challenged existing practices in the workplace, including the way businesses interact with vendors, customers, guests and local officials. This is a great checklist that can help businesses review their communications strategy Read More +

COVID-19 Response Questionnaire

MAY 20, 2020

As businesses develop their action plans for reopening, this COVID-19 response questionnaire provides the opportunity to review their exposures relative to coronavirus (COVID-19) and take proactive steps to help mitigate risk. Read More +

Dealing With Covid-19 Stress & Anxiety

MAY 20, 2020

The COVID-19 pandemic has many people experiencing stress and anxiety. This Live Well, Work Well newsletter from our partners at Zywave has some great tips for dealing with coronavirus-related stress and anxiety. Read More +

Coronavirus and Your Pets

MAY 19, 2020

At this time, the CDC is advising that there is no evidence our pets play a significant role in spreading the COVID-19 virus. A small number of pets have been reported to be infected with the virus that causes COVID-19, but mostly after contact with people with COVID-19. Pet Read More +

Wisconsin Rating Bureau Updated FAQs 5-15-20

MAY 18, 2020

On Wednesday, May 13th,  justices on the Wisconsin Supreme Court overturned Gov. Tony Evers’ month-long stay-at-home order that ran through May 26, 2020. Robertson Ryan contacted the Wisconsin Compensation Rating Bureau and confirmed that the new unit statistic Read More +

What to Do After Receiving a PPP Loan

MAY 13, 2020

The Paycheck Protection Program (PPP), part of the Coronavirus Aid, Relief and Economic Security Act (CARES Act) is a small business loan program which provides 100% federally guaranteed loans to business owners hoping to keep their employees on the payroll during this pande Read More +

PPP Guidance for Employees Refusing to Return to Work

MAY 11, 2020

The Payroll Protection Program (PPP), part of the CARES Act and response to the COVID-19 pandemic, makes small business loans available to employers that can help cover up to 2.5 times the average monthly payroll. Using the funds this way makes the loan entirely forgivable. Read More +

Paycheck Protection Program FAQs

MAY 7, 2020

There are lots of frequently asked questions (FAQs) surrounding the Paycheck Protection Program (PPP) loans from the U.S. Treasury Dept. The Treasury just released their updated answers to FAQs that might help clarify for businesses. Read More +

Post-Coronavirus Workplace Preparedness Checklist

MAY 6, 2020

The coronavirus disease (COVID-19) pandemic has changed many aspects of the current workplace, and hygiene and cleanliness are key topics when creating post-coronavirus workplace plans. Based on guidance from the Centers Read More +

New CARES Act Student Loan Updates

MAY 6, 2020

The Coronavirus Aid, Relief and Economic Security Act (CARES Act) includes a provision that temporarily allows employers to make tax-free payments of up to $5,250 toward their employees’ student loans. Employers should be aware of the temporary changes (effective March 27, Read More +

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

MAY 5, 2020

During the coronavirus disease (COVID-19) pandemic, some employers are currently staying open as essential businesses—for organizations that are not open, many plan to welcome back employees shortly. The Centers for Disease Control and Protection (CDC) advises that face co Read More +

What the Coronavirus Could Mean for Healthcare Costs

MAY 5, 2020

The insurance marketplace hinges on uncertainty. Costs are determined by how likely an event is to happen. If something is known, it can be planned (and budgeted) for. That’s what makes the coronavirus pandemic so unsettling: No one knows what will happen. Read More +

Federal Agencies Issue COVID-19 Relief for Employee Benefit Plans

APRIL 30, 2020

On April 28, 2020, the Departments of Labor (DOL) and the Treasury (Departments) issued deadline relief to help employee benefit plans, plan participants and plan service providers impacted by the COVID-19 outbreak. Read More +

Benefits and Marketplace Trends Through the Lens of COVID-19

APRIL 30, 2020

Even the most optimistic person will concede that the world won’t be returning to exactly how it was before the coronavirus pandemic. The coronavirus and its disease, COVID-19, has killed tens of thousands, and infected hundreds of thousands more, forcing the majority of A Read More +

Which Unemployment Program is for You? (WI)

APRIL 24, 2020

The Wisconsin Department of Workforce Development (DWD) issued this document to help provide general information about unemployment insurance benefits for employees affected by the coronavirus (COVID-19) pandemic. Read More +

Reopening a Business After the Coronavirus Shutdown

APRIL 23, 2020

As the coronavirus (COVID-19) pandemic continues to have an unprecedented effect on daily life, many business owners are looking forward to the future and a return to normalcy. However, even when stay-at-home orders are lifted and nonessential businesses are allowed to resum Read More +

COVID-19: Hazard Recognition, Control and Prevention for Employers

APRIL 21, 2020

In an effort to help identify worksites and workers in high risk of exposure to coronavirus (COVID-19), OSHA has broken down the risk exposures to different classes of workers, from highest to lowest to help employers self-assess their risk to determine proper action/precaut Read More +

Staying Safe While Running Essential Errands

APRIL 21, 2020

We are so grateful to the many essential businesses that have helped make our stay at home easier by changing their regular service delivery mode and making it possible to have home delivery, curbside pickup, telemedicine and online delivery of services during this pandemic. Read More +

We're Here for You

APRIL 17, 2020

From Arizona to Florida; Wisconsin and beyond, thank you to everyone from our team who shared a Mug Shot!… We want to assure you that we’re working remotely, connected and ready to navigate your insurance n Read More +

Small Business Administration: Paycheck Protection Program - Open to Borrowers

APRIL 7, 2020

Small businesses and certain non-profits and veterans’ organizations may now apply for the Paycheck Protection Program (PPP). The loans are available to cover up to eight weeks of average monthly payroll (based on 2019 figures) plus 25%. Self-emp Read More +

Robertson Ryan Financial Services - Here to Help

APRIL 7, 2020

As we navigate through these uncertain times, please know Robertson Ryan Financial Services remains committed to servicing your retirement plan needs. With the recent passage of coronavirus-related Read More +

8 Q&A’s on the Coronavirus Stimulus Direct Payments

APRIL 6, 2020

The $2 trillion stimulus bill intended to help offset the financial burdens created by coronavirus disease 2019 (COVID-19) is now law. The package will send direct payments to Americans. This article contains answers to qu Read More +

Cyber Criminals Seeking to Capitalize on Coronavirus

APRIL 6, 2020

Criminals prey on unfortunate circumstances, seeking to capitalize on victims during times of panic and hardship. Unfortunately, the coronavirus disease 2019 (COVID-19) pandemic is no exception. The Cybersecurity and Infra Read More +

Coronavirus Bill Requiring Paid Employee Leave Signed Into Law

APRIL 3, 2020

On March 18, 2020, President Trump signed the Families First Coronavirus Response Act (the Act) into law. The Act requires employers to provide paid leave for some employees related to the coronav Read More +

A CFO’s role in helping navigate the coronavirus

APRIL 2, 2020

The accounting and finance industry is evolving quickly. As digital automation, A.I., and other technologies transform our workplaces, the role of the CFO has changed too. A CFO is in charge of a company's financial operations. This includes responsibility for internal and e Read More +

Responding to an Employee’s Positive Coronavirus Test

APRIL 1, 2020

As the number of coronavirus disease 2019 (COVID-19) cases grows daily, employers across the country are dealing with the difficult situation of responding to an employee’s positive COVID-19 test. Employers are responsib Read More +

WI Worker’s Compensation Furloughed Employee Updates Covid-19

APRIL 1, 2020

Read More +

P&C Coverage Questions

MARCH 23, 2020

Business Interruption Insurance Business interruption normally requires physical damage caused by a covered peril to Read More +

WI Governor Orders Insurers to Assist Restaurants Offering Delivery During COVID-19 Health Crisis

MARCH 23, 2020

Today, at the direction of Gov. Tony Evers, the Insurance Commissioner’s office has ordered insurers operating in WI to assist restaurants who have begu Read More +

Coronavirus and Managing Remote Work Cyber Risks

MARCH 23, 2020

Given the implications of the coronavirus (COVID-19) outbreak, countless employees across a variety of industries are working remotely. While this allows businesses to remain operational, it can create a number of risks, particularly for those who fail to take the proper precautions. Above all, inf Read More +

New Coronavirus Relief Laws Require Paid Employee Leave

MARCH 20, 2020

As part of sweeping legislation signed into law by President Trump on March 18, 2020, two laws were enacted that provide workers with paid leave for reasons related to the coronavirus (COVID-19) pandemic. One of the new leave provisions, the “Emergency Family and Medical Leave Expansion Act,” al Read More +

What To Do If You're Sick With COVID-19

MARCH 19, 2020

According to the Centers for Disease Control and Prevention, coronavirus disease 2019 (COVID-19) is caused by a type of coronavirus that can spread from perso Read More +

COVID-19 Outbreak: Keeping Workplaces, Homes and Schools Safe

MARCH 19, 2020

With the recent COVID-19 outbreak, it is essential that we take the necessary steps to keep ourselves and others safe. Read More +

Balancing Working From Home & Caregiving Responsibilities

MARCH 19, 2020

For many across the country, working from home is their new reality for the foreseeable future as the COVID-19 pandemic continues to spread rapidly. For some, this arrangement is business as usual. But for others, including parents and caregivers, they now face the difficult task of balancing their Read More +

Working From Home During a Coronavirus Outbreak

MARCH 19, 2020

For many, working from home is just the daily routine. For people unfamiliar with remote work, it can take some getting used to. During a coronavirus Read More +

A Message from Robertson Ryan’s CEO Chris Illman

MARCH 19, 2020

CORONAVIRUS We want to assure you that we’re here, connected and ready to navigate your i Read More +

Congress Passes Coronavirus Law Requiring Paid Employee Leave

MARCH 19, 2020

On Wednesday, March 18, 2020, the U.S. Senate voted to approve a coronavirus relief bill (the Act) that was passed by the U.S. House of Representati Read More +

Coronavirus and the Workplace – Compliance Issues for Employers

MARCH 18, 2020

As the number of reported cases of the novel coronavirus (COVID-19) continues to rise, employers are increasingly confronted with the possibility of an outbreak in the workplace. Employers are obligated to maintain a safe and healthy work environment for their employees, but are also subject to a Read More +

FAQs: COVID-19 and the Fair Labor Standards Act

MARCH 16, 2020

In light of the spread of COVID-19 in the United States, the Department of Labor (DOL) has published answers to frequently asked questions on how employers can stay in compliance with the federal Fair Labor Standards Act (FLSA), which regulates wage and hour conditions for employees. Read More +

Maintaining Mental Well-Being During a Quarantine

MARCH 16, 2020

In response to the coronavirus disease 2019 (COVID-19) pandemic, the Centers for Disease Control and Prevention and the World Health Organizati Read More +

COVID-19 Event Cancellation and Mass Gatherings

MARCH 16, 2020

On Sunday, March 15, 2020, the Centers for Disease Control and Prevention (CDC) recommended that events or gatherings planned within the next eight weeks that will have 50 or more people in attendance be canceled or postponed. This resource from the CDC provides further guidance. Read More +

House Passes Coronavirus Relief Bill

MARCH 16, 2020

The U.S. House of Representatives passed a bill to increase spending for aid related to the coronavirus / COVID-19 crisis. This Legal Update provides information about the bill, which was passed by the House on March 14, 2020 Click Read More +

CEO Report - Coronavirus

MARCH 15, 2020

Over the course of the past few days, Coronavirus Disease 2019 (COVID-19) has quickly shifted from a story we were following in the news to a very real th Read More +

Coverage Insights - How Coronavirus Could Impact Your Business

MARCH 13, 2020

The new coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organizations and individuals across the globe. As COVID-19 becomes increasingly widespread, it’s not only raising fears about the well-being of the general public, but it’s also disrupting business operations and Read More +

8 Answers to your Coronavirus Questions

MARCH 13, 2020

Below are the most commonly asked questions concerning the recent Coronavirus 1. How can I lower my chances of infection? 2. Should I stock up on supplies? 3. Is it safe to travel? 4. Should my children still attend school? Read More +

Coronavirus Resources

MARCH 12, 2020

"Over the course of the past few days, Coronavirus Disease 2019 (COVID-19) has quickly shifted from a story we were following in the news to a very real threat facing our businesses, our employees, and our families. As people and businesses across the globe are being impacted by this virus we are ta Read More +

Employment Practices Liability Crucial For Small Businesses

MARCH 11, 2020

According to a recent study, more than half of all claims filed for employment-related liabilities are against employers with fewer than 50 employees. Alarmingly, the study also reveals that not even 2 percent of small businesses have employment practices liability (EPL) coverage. High Price Tag Read More +

Coronavirus Concerns: Recordable cases and respirators

FEBRUARY 25, 2020

  The Coronavirus has brought to light many questions and concerns about Read More +

10 Cyber Security Resolutions to Reduce Your Data Exposures

FEBRUARY 3, 2020

New Year, New Plan, New Year Resolutions. Makes sense, and with Cyber security threats continuing at alarming rates, it’s critical to have a plan in place to protect your business from potential breaches. Here are 10 New Year Resolutions that can help reduce your exposures to risk and help proacti Read More +

ACA Reporting Deadline for Employers

FEBRUARY 3, 2020

ACA reporting under Section 6055 and Section 6056 for the 2019 calendar year is due in early 2020. Although the IRS extended the deadline for furnishing statements to individuals for 2019, the deadline for filing returns with the IRS remains the same. The full ACA Compliance Bulletin with the 201 Read More +

FAQs: 2020 W-4 Form

JANUARY 24, 2020

On December 5th, 2019, the IRS released an updated version of its W-4 form. Employers use the form to determine each employee’s federal tax withholdings. Employers must begin using the redesigned Form W-4 to declare their payroll tax withholdings effective January 1, 2020. Read More +

Vehicle Theft Warning

JANUARY 24, 2020

There have been an alarming amount of vehicle thefts with a common theme, key fobs. As people park their vehicles at gas pumps and step out of the vehicle, another vehicle will bump into the rear of their vehicle. Though it may appear unintentional at first, this is a strategy to lure the driver to Read More +

IRS Provides Transition Relief for 2019 ACA Reporting

DECEMBER 3, 2019

On December 2, 2019, IRS Notice 2019-63 extended the due date for furnishing forms to individuals under Sections 6055 and 6056 to March 2, 2020 in lieu of January 31, 2020. The notice also included good-faith transition relief from penalties related to 2019 ACA reporting, and provides additional pen Read More +

Draft Forms for 2019 ACA Reporting Released

NOVEMBER 18, 2019

On Nov. 13, 2019, the IRS released draft 2019 forms and instructions for ACA reporting under Code Sections 6055 and 6056. Note that Section 6055 reporting continues to be required, despite the fact that the individual mandate penalty has been reduced to $0. The reason stated for continuing the requi Read More +

Insurance for Leased or Negative Equity Vehicles

OCTOBER 15, 2019

People often assume that if their vehicle is totaled it will be replaced at the amount they paid/leased, or at least the amount they owe. However, that’s not Read More +

Summary of the 2019 Employer Health Benefits Annual Survey

OCTOBER 14, 2019

Each year, the Kaiser Family Foundation and the Health Research & Educational Trust conduct a survey to examine employer-sponsored health benefit trends. T Read More +

The Importance of Accurate Job Descriptions

OCTOBER 14, 2019

Job descriptions are an essential component of any organization. Not only is it important that they are thorough and accurate when first crafted, it is vital t Read More +

Umbrella Insurance

OCTOBER 3, 2019

Umbrella insurance is one of the most valuable and underestimated insurance coverages you’ll encounter. And it isn't just for high earners. Here are just some exposures and reasons umbrella insurance is must-have protection. How many of them apply to you? Drive a vehicle Read More +

Life Insurance Awareness Month

SEPTEMBER 10, 2019

Every September Life Happens joins hundreds of insurance companies in recognizing Life Insurance Awareness Month. Check out the resources below to learn more. Reach out to our Life Insurance Specialist  Read More +

Benefits of Equipment Breakdown Insurance

AUGUST 8, 2019

Equipment breakdown coverage is a form of property insurance designed to protect a company’s mechanical, electrical and computer equipment from unexpected breakdowns. These policies are flexible, and help organizations recoup financial losses related to property damage, business interruption and s Read More +

Hurricane Preparedness and Response Planning

AUGUST 5, 2019

Most business owners are complacent about natural disasters until it happens to them. It’s only when the owner has gone through a disaster that a disaster plan, including purchasing the proper insurance, is usually considered. Don’t let a lack of insurance coverage or poor planning destroy your Read More +

Due Date July 31st for PCORI Fees

JULY 23, 2019

With PCORI fees due just around the corner on July 31st, we’ve had a number of clients asking questions about the fee, who is required to pay, how to calculate and which health plans/years to include. The Affordable Care Act’s (ACA) Patient Centered Outcomes Research Institute (PCORI) Read More +

Recruiting for Soft Skills

JULY 23, 2019

Searching for the right candidate for your organization can be more than just reviewing a resume. It is also important to assess what soft skills, such as communication, conflict resolution, creativity, problem-solving and more versus the hard skills the candidate may have to offer. LinkedIn’s 201 Read More +

Protect Yourself From Credential Stuffing

JULY 11, 2019

“Credential Stuffing” can affect anyone, from individual users to the biggest companies. By using stolen user name and password information from one account, criminals can access data from a variety of platforms including bank accounts. Read more to learn ways to protect yourself from this malic Read More +

2019 Health and Well-being Touchstone Survey

JULY 11, 2019

It’s no surprise that Price Waterhouse Coopers PWC’s 2019 Health & Well-being Touchstone Survey spotlights the changing workforce and employer’s struggle to attract and retain talent in a dynamic economy. Creative benefit offerings, flexible workplaces, focus on stress management and the Read More +

Attracting and Retaining Talent

JUNE 19, 2019

Attracting and retaining talent in today’s labor market is one of the biggest challenges faced by employers today. The number of calls we get daily from customers looking for help with this employment dilemma are increasing weekly. Whether it be looking for creative benefits solutions, referral so Read More +

Defining Remuneration

MAY 7, 2019

In all states but Washington, workers’ compensation insurance uses a remuneration process as the basis for determining the workers’ compensation exposure. Payroll is the most common part of remuneration, however, other components are included as well, such as vacation pay and meals. As the quest Read More +

15 Risk Mitigation Tips for Airbnb Hosts

APRIL 9, 2019

Property owners have a unique opportunity to efficiently rent out their entire home, a spare bedroom or other accommodation through the online service known as Airbnb. Despite its convenience and the po Read More +

Where is the Market Headed in 2019?

MARCH 21, 2019

Insurance rates are expected to increase slightly in 2019 as insurers cover losses from high property claims and liability losses. Businesses with extensive property or liability exposures could see double-digit rate increases and more limited policy language for certain lines of coverage. Despit Read More +

Insurance Commission Urges Wisconsinites to Evaluate Flood Insurance Needs Before Snow Melts

MARCH 6, 2019

The following press release from Wisconsin’s Governor and Insurance Commissioner is a reminder to all homes and business’ that we are entering the flooding season in Wisconsin and to evaluate flood insurance needs before the snow melts. If you do purchase flood insurance, there is a 30 day wait Read More +

7 Tips to Prevent Frozen Pipes

JANUARY 29, 2019

The National Weather Service is forecasting that a very dangerous arctic air mass will move into the Midwest during the next few days (1/28/19 to 1/31/19). This weather system will bring bitter cold and wind chills which are likely to hit record low temperatures. Are you prepared to prevent frozen p Read More +

Cyber Risk Assessment

JANUARY 28, 2019

In recent years, cyber attacks have emerged as one of the most significant threats facing organizations of all sizes. The Internet and other network operations have created risks that were unheard of less than a decade ago. When cyber attacks (such as data breaches and hacks) occur, they can result Read More +

ACA Compliance Update

JANUARY 21, 2019

The tax reform bill, called the Tax Cuts and Jobs Act, reduces the ACA’s individual mandate penalty to zero, effective beginning in 2019. As a result, beginning in 2019, individuals will no longer be penalized for failing to obtain acceptable health insurance coverage. However, some individuals ma Read More +

HSA and FSA 2019 Updates

JANUARY 14, 2019

Several changes to Health Savings Accounts (HSA’s), Flexible Spending Accounts (FSA’s) and retirement plans take effect this month. Here are some numbers to know: • $3500 is the maximum an individual can deposit to an HSA, an increase of $50; $7,000 for those wi Read More +

15 Tips to Protect Your Home From Burglars

DECEMBER 17, 2018

The holiday season is a time of year where we receive or give many generous presents. It is also a time of year we travel overnight and leave our homes to celebrate with family and friends. There are some simple steps we can do to protect our prized possessions and homes, including Read More +

Keep an Eye Out for Deer

NOVEMBER 9, 2018

Fall is the peak season for deer activity, which means an increased risk of auto-deer collisions. According to the Insurance Institute for Highway Safety, there are 1.5 million auto-deer collisions annually, resulting in more than $1 billion in damage. Deer-auto Read More +

Hazardous Energy Control

OCTOBER 22, 2018

Failure by employers to develop and use hazardous energy control procedures as required by OSHA’s lockout/tagout standard (29 CFR 1910.147) is a top 10 most frequently cited workplace safety violations. Perhaps the most demanding compliance obligation is establishment of a written energy control p Read More +

Rain. Rain. Go Away! Avoid Storm Chasing Contractors

AUGUST 31, 2018

Your home or business has just suffered damage at the hands of a storm. Whether it is from hail, a tornado, high winds, or another form of weather, you need to be prepared for what comes after the storm passes. It is becoming more and more common for storm-chasing contractors to show up at your door Read More +

Business Insurance Premium Audit Q&A

AUGUST 31, 2018

The premium audit process is designed as a service that guarantees you only pay the premium that you owe. Premium audits help to calculate the premium that a business owner truly owes rather than a premium based on the estimated figures provided when the insurance policy was issued. While this Read More +

How You Felt About Gym Class May Impact Your Exercise Habits Today

AUGUST 31, 2018

People tend to hold on to very vivid memories from childhood. How you felt about gym class in school may impact your exercise habits today. Take a moment to think about it...did you have a positive or negative reaction with the thought of gym class from your school days? These feelings can result Read More +

RRA's Benefits Department Grows

JUNE 7, 2018

Since 1981 Jon Rauser, President of The Rauser Agency, has been working with businesses on their health care and employee benefits programs. Jon has built a very successful agency and takes the utmost pride in providing dedicated personal service backed with a strong level of compassion and industr Read More +

Apprenticeship Premium Credit

MAY 29, 2018

There is a growing demand for trade careers in the US. Apprenticeship programs are becoming more popular and are a modern approach to creating a strong workforce for the future. Adding further value, there are now premium credit programs available making apprenticeships more appealing to business le Read More +

Flood Insurance Misconception

MAY 24, 2018

False Homeowner’s Insurance Covers Flood Damage (False!) One of the most common misconceptions people believe to be true involves insurance pertaining to flood damage. Most insurance carriers across the US do not cover your home for flood damage witho Read More +

Helping Our Community

MAY 21, 2018

  Since 1960, Robertson Ryan has made the commitment to make a difference in our communities by volunteering. Now 58 years later, RRA serves hundreds of community organizations through our dedicated 230 team members spanning 20 locations. Robertson Ryan’s Employee Engagement Committee spea Read More +

Wild Fire Prevention

MAY 11, 2018

When you live in an area prone to wildfires you need an agent and an insurance carrier that is there for you and understands those risks. While of course we provide the insurance coverage you would need in the event of a loss we know you would rather avoid damage altogether. Robertson Ryan has bu Read More +

3 Tips for People to Save on Health Care Expenses

APRIL 18, 2018

Obviously, if you’re involved in a serious accident or suffer emergency care due to illness, you have very little control over the cost of health care services rendered. Other than these instances, however, discretionary health care spending strategies can save you considerable money in your healt Read More +

2018 Atlantic Hurricane Forecast

APRIL 18, 2018

According to the Insurance Journal, an early forecast for the 2018 hurricane season calls for a slightly above-average season with 14 named storms, seven hurricanes, and three major hurricanes. Dr. Philip Klotzbach of Colorado State University (CSU), a non-reside Read More +

Smoke Alarm Recall for 452,000 Units

MARCH 22, 2018

  Smoke alarms are an important part of a home fire escape plan. They help keep people safe and reduce home insurance claims by alerting you of smoke/fire with extreme immediacy. Last week a major recall alert was placed for 452,000 Kidde Dual Sensor Smoke Alarms due to risk of failure to a Read More +

Is Self-Funding an option for you?

MARCH 14, 2018

Are you paying too much for group medical insurance? At one point, self-funding medical plans were only available to large employers. Not anymore. One advantage of self-funding an employer’s group medical plan is that during a good claim’s year, the employer shares in savings if claims come i Read More +

New Valentine's Day Jewelry?

FEBRUARY 14, 2018

We know many people who will be receiving new jewelry in the coming days - those getting engaged this spring, celebrating a special birthday or anniversary and of course today, on Valentine's Day. If you received a new piece of jewelry we have a few tips to ensure that you can enjoy it for years to Read More +

Court Ruling on Workers Compensation Impacting Those Who Use Temp Help

FEBRUARY 8, 2018

Recently the Appeals Court in Wisconsin ruled that a temp employee’s estate could sue the host employer in court because the estate never filed a workers compensation claim against the temp employer. The Appeals Court found a loop hole in how the law protecting the host employer was written. The k Read More +

Attention Contractors

JANUARY 25, 2018

Worker's compensation premiums savings for contractors with apprentices. Effective for new and renewed policies with effective dates of 10/1/18 or later, the State of Wisconsin has approved a 2 percent premium credit (up to $2,500) for employers participating in the ABC Apprentic Read More +

Captive Insurance

OCTOBER 26, 2017

BENEFITS TO CAPTIVE OWNERS ARE COMPELLING: • Unused premium dollars are returned to members in the form of a dividend; • Initial premium pay-in amounts are often less than conventional insurance programs; • Premiums are based on your company’s loss experience; • Captive participants ea Read More +

My RRA - Mobile App & Online Access

OCTOBER 24, 2017

We're all about finding solutions and making insurance more convenient for our clients. With My RRA you can easily access your policy information, deductibles, or even communicate with your agent. Now you have everything you need in the palm of your hand. Read More +

Mammography Day

OCTOBER 20, 2017

Our team at Robertson Ryan & Associates promotes being proactive in your health care. According to the Centers for Disease Control and Prevention, other than skin cancer, breast cancer is the most common cancer among American women. Getting mammograms regularly can lower the risk of dying fro Read More +

Warning Signs of an Employee Embezzler

AUGUST 24, 2017

Helping our clients put the right insurance products into place to protect their business is a top priority at Robertson Ryan. Determining the right coverage and limits for crime can also be a difficult discussion, but necessary. Many business owners blame themselves for allowing employee theft t Read More +

Captive Insurance 101 & the Benefits

AUGUST 9, 2017

Captive 101 Presentation Thursday, September 7, 2017 8:30 a.m. Continental Breakfast 9:00 a.m. – 11:00 a.m. Presentation and Q&A Blue Mound Country Club I 10122 W North Ave, Wauwatosa, WI 53226 Questions or RSVP Read More +

Electronic Logging Devices (ELD) Rule

JULY 24, 2017

The Federal Motor Carrier Safety Administration announced that on 12/17/2017 electronic logging devices are required for all trucks model-year 2000 or newer engaged in interstate trucking. Progressive Insurance is looking to help Robertson Ryan clients be compliant with this new rule. Progressive Read More +

Seven Tips to Stay Hydrated

JUNE 26, 2017

Many areas of the country have been experiencing extreme temperatures this summer, which increases the opportunity for heat stroke . Here are seven tips to stay hydrated. 1. Eat a balanced diet with plenty of fruit and vegetables. 2. Drink fluids at regular intervals during the day. 3. Wate Read More +

Establishing an Electrically Safe Work Condition

MAY 22, 2017

Electrical Safety Month reminds every employer, even those whose employees are subject to low voltage electrical systems, that electrical injuries cannot be taken lightly. In a survey of arc flash injury victims, 94% of those interviewed believed that the incident could have been prevented, and the Read More +

Safeguard Your Roof From Spring Storms

MAY 22, 2017

Nothing puts you on edge like a big storm. Whether it’s pounding rain or crashing thunder that knocks out the power for days, nasty weather can have you questioning your family’s fundamental security—and the steadfastness of the home that keeps you safe. Missing shingles, roof leaks and fal Read More +

OSHA Delays July 1 Injury and Illness Reporting Deadline

MAY 22, 2017

On May 17, OSHA announced that it has delayed the July 1st filing deadline for injury and illness electronic reporting. The new filing deadline has yet to be determined, and no reason has been given yet for the postponement. How will electronic submission work? According to OS Read More +

Future of Certain ACA Taxes and Fees

APRIL 19, 2017

Several steps have been taken in 2017 toward repealing the Affordable Care Act (ACA), including the introduction of the American Health Care Act (AHCA). Although the AHCA was recently withdrawn by Republicans, Congress m Read More +

Auto Thieves Targeting Audis

APRIL 18, 2017

Recently Robertson Ryan had a client return from vacation to find their Audi Q5 had a window smashed in the General Mitchell International Airport parking garage. It is suspected to be another case of thieves looking for a spare or valet key in the glove compartment, which there was not in this Read More +

5 Reasons Your Business Needs Video Surveillance

APRIL 13, 2017

Is your business as well-protected as it should be? Do you really know what goes on when you’re not there to see it firsthand? As a business manager or owner you want to ensure that your organization is protected against loss from the public or from your own employees. Having an effective video Read More +

Top 10 Workplace Hazards

MARCH 27, 2017

The numbers haven’t changed. Approximately 3 million employees are injured in the workplace annually. Employers are responsible for providing safe and healthful workplaces for their workers, and OSHA has stepped up national efforts to ensure they are complying with increased inspections hovering a Read More +

Insurance for Your 30's

MARCH 27, 2017

At various stages in life it is important to have the proper insurance for your lifestyle. When one is in their 30's they are likely settling into a home, family life and thriving career as they build their savings and 401-k. Coverages to know more about and consider including: Healt Read More +

OSHA's New Requirements for Walking-Working Surfaces

FEBRUARY 10, 2017

OSHA has revised its general industry standards on walking-working surfaces (WWS) to prevent and reduce slips, trips, and falls, as well as other injuries and fatalities associated with WWS hazards. “The final rule will increase workplace protection from those hazards, especially fall hazards, Read More +

How long can you insure an adult child on your automobile policy?

FEBRUARY 7, 2017

Parents often want to help their grown children by providing them with a vehicle and/or insurance coverage, even after they move out of the household or are no longer legally a dependent. Unfortunately this can unknowingly result in gaps in coverage and put these children at a financial and Read More +

Uber & Lyft Insurance Now Available

FEBRUARY 7, 2017

Safeco Insurance now offers an endorsement for their personal lines automobile customers who operate as an Uber or Lyft driver. This endorsement provides coverage while the insured is signed into the ride share application and is driving around waiting for a customer, until the point h Read More +

Special Alert - Dehumidifier Recalls

FEBRUARY 7, 2017

The US Consumer Product Safety Commission has an important safety notice concerning over 3.4 million dehumidifiers. Certain brands have been overheating causing smoke and devastating fires. These units should be replaced immediately. Visit the URL below and enter your brand, model or serial numbe Read More +

10 Things to Know Before Renting a Car

FEBRUARY 7, 2017

1) Limit additional drivers. If you are sharing driving duties, you must include the additional drivers names on the rental contract. While this may increase the cost, failure to list all the drivers could result in no insurance coverage in the event of a claim. 2) Revie Read More +

The Ins and Outs of Condo Insurance

FEBRUARY 6, 2017

Do you own or are you buying a condo? Understanding what your insurance needs are for your new condo can be tricky, but knowing the right questions to ask will help you make an informed insurance-buying decision. As a unit owner you will be responsible for your own personal property in the unit Read More +

Could $2,500 or $5,000 replace all your jewelry?

FEBRUARY 6, 2017

Most homeowner’s insurance policies place limits on specific items such as jewelry, paying a maximum of $2,500 to $5,000, in the event of a loss or theft. The limit largely depends on the insurance carrier and is often not something insured’s realize until they experience a loss, which is too la Read More +

80% of Cardiac and Stroke Events May Be Prevented

FEBRUARY 3, 2017

Heart disease and stroke cause 1 in 3 deaths among women each year, killing approximately one woman every 80 seconds. Fortunately, we can change that because 80 percent of cardiac and stroke events may be prevented with education and action. Today team members in our Mequon, Milwaukee and Wauke Read More +

OSHA 300A Form Posting

JANUARY 10, 2017

This is a reminder, if applicable, to post your OSHA 300 Summary Sheet from February 1st to April 30th in an area where it is available to employees. If you have multiple locations a sheet with each location’s information must be posted at the location it pertains to. OSHA's Injury and Illnes Read More +

Safe Cyber Holiday Shopping

NOVEMBER 28, 2016

Cyber Monday is for stealing deals, not your identity. Follow these six steps for safe online shopping this holiday season. Tips from The Hanover: Keep a Clean Machine Smartphones or other devices you use for shopping should have up-to-date software. Read More +

Medical Malpractice Insurance

NOVEMBER 11, 2016

6 Reasons to Flip the Switch 1. MMIC is a mutual company and our owners are our policy holders. Unlike ProAssurance and Medical Protective Company (MedPro) we are dedicated to our policy holders, not investors without an interest. We have paid over $120,000,000 in dividend Read More +

Prep Your Home for Winter

NOVEMBER 7, 2016

In Wisconsin this autumn we have enjoyed a warm and gentle approach into our next season. As we enjoy this nice weather now is the time to prepare your home for cold weather. These steps, most of which you can do yourself, will help lower your utility bills and protect one of your biggest inves Read More +

Recommended Practices for Safety and Health Programs

OCTOBER 21, 2016

According to OSHA, establishing a safety and health program in your workplace is one of the most effective ways of protecting your most valuable asset: your workers. Losing workers to injury or illness, even for a short time, can cause significant disruption and cost—to you as well as the workers Read More +

HIPAA Privacy & Security Webinar

OCTOBER 20, 2016

Join us for an educational webinar that helps employers recognize the key provisions of HIPAA, how their organizations are affected by HIPAA, and how the privacy rules impact them. Tuesday, November 15, 2016 10 Read More +

Family Health & Fitness Day

SEPTEMBER 30, 2016

A number of years ago Robertson Ryan & Associates introduced Wellness Committees at various satellite offices. Recently we asked RRA team members to share their family activities on the 2016 Health & Wellness Day. Check out some of their top adventures! Read More +

OSHA Changes & Safety Culture

SEPTEMBER 27, 2016

Employers need be prepared for potentially costly encounters with OSHA. New OSHA penalties took effect August 2, 2016. Fines have increased on average 80%, which OSHA hopes will encourage many employers to dedicate resources for safer work environments. Our approach at RRA is to help our cli Read More +

Cyber & Privacy Risks Webinar 10/11

SEPTEMBER 21, 2016

Technology is changing the landscape of the cyber & privacy insurance marketplace. In today's professional environment business owners and leaders need to address the modern challenges organizations face including protecting against new threats and exposures. This webinar will focus on Read More +

New Law Oct 1: Phones & Work Zones

SEPTEMBER 20, 2016

The WI Department of Transportation (DOT) is trying to increase safety for both construction/road workers and drivers. According to the DOT in 2015 distracted driving caused 24,000+ crashes, averaging 1 crash every 20 minutes. Of these crashes, 2000 happen in work zones annually. To help lowe Read More +

Helping Clients with ACA Reporting

SEPTEMBER 13, 2016

Saving money on employee benefits is imperative in today's economy. The cost of providing benefits continues to rise and employers continue to struggle to balance employee needs with their own bottom lines. Helping you meet these needs is Robertson Ryan's specialty. With the year-end quickly appr Read More +

Commercial Drone Insurance

SEPTEMBER 8, 2016

New regulations from the Federal Aviation Administration (FAA) went into effect on August 29, 2016. These changes are expected to increase the commercial use of unmanned aerial vehicles, also known as Drones. Drones have endless commercial applications, due to their relatively small size and ab Read More +

Our Pets & Wagfest

AUGUST 12, 2016

The team at Robertson Ryan are avid animal lovers and we wanted to share more about Elmbrook Humane Society's 9th Annual Wagfast on Saturday, September 10, 2016 at Mitchell Park in Brookfield. RRA is a proud sponsor and our Producer/VP Read More +

Umbrella Story

AUGUST 10, 2016

A babysitter left a 5 month old infant unattended in a walker. The infant toppled the walker, struck her head on the floor and suffered brain damage. The parents of the infant sued the teenage babysitter and her family and the court awarded the parents over $1,000,000. For less than the cost of a cu Read More +

Uber and Lyft Drivers Are Not Covered by Their Personal Auto Policy

AUGUST 10, 2016

If you are driving a personal vehicle for Uber, Lyft or any other ride-share company and have an accident, even though you might have excellent coverage on your personal policy, you likely will not be covered if you have paying riders in your vehicle. This is because personal car insurance policies Read More +

Real Estate Industry Update

JULY 4, 2016

Starting in July there are changes to insurance coverages in the real estate industry. Previously, the Department of Workforce Development (DWD) considered real estate salespersons licensed to work for a licensed broker to be employees of that broker. As such, those individuals were covere Read More +

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