With the constant worry of cybersecurity breaches in today’s world; how can we safely send HIPAA compliant text messages out to our patients/clients?   What is the Risk You Take in Sending Private Information Over Text? Although texting is an easy and efficient way to send information out to patients and or clients, there is […]

As challenges and trends surface on TikTok, people of all ages attempt to recreate them. A recent challenge that has resurfaced, the “blackout challenge”, took the lives of two young girls. Following their tragic deaths, TikTok is being sued for wrongful death.   What is the Challenge? The blackout challenge is when people essentially choke […]

The Health Insurance Portability and Accountability Act (HIPAA) is a federal law in the healthcare industry that protects sensitive patient information from being disclosed without the patient’s consent. HIPAA compliance is important for patient safety as well as for healthcare workers to avoid possible lawsuits.    Who Becomes a HIPAA Privacy Officer? A HIPAA Privacy […]

Practice Continuation Agreement (PCA) A practice continuation agreement (PCA) is a plan set in place that authorizes another person to take on the responsibilities of an accounting firm under extreme circumstances. Circumstances that may cause the plan to go into effect are disability, ongoing illness, family emergencies and more. Having a PCA in place before […]

    As of recently, there have been many significant healthcare lawsuits throughout the country. Some of which include: lawsuit against the OSHA inspection in a Texas hospital, a hospital director of the West Virginia University affiliate of violating patient safety, and hospitals suing the United States Department of Health and Human Services over a […]

      What is First-Party Cyber Coverage?   First-Party cyber coverage is liability insurance that can help small businesses protect themselves against cyberattacks. The financial impacts of cyberattacks can be significant, so it is very important to make sure that your small business is protected against the potential financial burden of cyber attacks. First-party […]

In this article, it explains that workers’ compensation insurance is one of the most important insurance policies for a small business, and that most small businesses are required to have workers’ compensation insurance. Businesses regularly are losing and adding employees over time, and this can impact the specific level of coverage that the business needs. […]

This is an excellent article from Fox Rothchild:   https://www.foxrothschild.com/publications/covid-19-construction-contracts-and-potential-claims-under-business-interruption-civil-authority-and-other-insurance-policies-and-endorsements/ Attached is a PDF Download of this article for your convenience.

The following bulletins have been issued by the New Jersey Department of Banking and Insurance and are posted on the Department’s website.   Bulletin No. 20-11 Guidance Concerning Circumstances Related to the COVID-19 Pandemic (Individual Market)   Bulletin No. 20-12 Guidance Concerning Circumstances Relating to the COVID-19 Pandemic (Small Employer Market)   Bulletin No. 20-13 […]

April 10, 2020   UnitedHealth to offer nearly $2B in accelerated payments, financial support to providers (Fierce Healthcare-April 7, 2020) The insurer said that it would accelerate claims payments to both medical and behavioral health care providers across its fully insured commercial, Medicare Advantage (MA) and Medicaid plans. It will also make $125 million in […]

Governor Murphy Signs Executive Order Extending Insurance Premium Grace Periods 04/9/2020 TRENTON — Governor Phil Murphy today signed Executive Order No. 123, extending grace periods during which certain insurance companies, including health insurers, life insurers, and property and casualty insurers, will not be able to cancel policies for nonpayment of premiums.“We know the stringent measures […]

Thursday, April 9, 2020 New Jersey Governor Murphy has signed an Executive Order extending the grace period for residents unable to pay their insurance premiums because of a loss of income or other negative impact as a result of the COVID-19 emergency.   The Governor’s Executive Order requires: A minimum 60-day grace period for health […]

Helpful information from our local Chamber of Commerce: Hello GVCC Member – Attached is a presentation provided today by the NJEDA with information about their initial COVID-19 Economic Response Package.   The grant program is available to select small businesses. It will be open for applications this FRIDAY, APRIL 3 beginning at 9am and will […]

The Senate passed the Federal Coronavirus Aid, Relief, and Economic Security Act (CARES/H.R. 748) on Wednesday, March 25, 2020. COVID-19 UPDATE Coronavirus Aid Relief and Economic Security CARES Act PASSED – Highlights For Your Medical Practice Today, March 27, the House has approved the bill. This is the third major bill by Congress in response […]

Please read this announcement from the SBA regarding their disaster loan program for new applications:   U.S. Small Business Administration   To submit an application:   Email: Email your completed document(s) as attachments to: disasterloans@sba.gov Any information you send to SBA via email is sent via an unsecured email link. Due to the nature of […]

NEW EXECUTIVE ORDER No. 109 EO-109 Governor Phil Murphy today announced a new state website for reporting personal protective equipment (PPE). In accordance with Executive Order No. 109, any business, non-hospital health care facility, or institution of higher learning in possession of PPE, ventilators, respirators, or anesthesia machines must submit that information to the State […]

EO-107 EO-108  

This information is provided as a service based on what we have been given at this time.  Please contact your agent and/or insurance carrier for more up-to-date and additional information. I hope this helps.  I know it is very challenging for all healthcare practices and facilities right now. God bless all our First Responders as […]

COBRA During the State of the Emergency, are employees or employers penalized for issuing COBRA notices at a later time if they are unsure of the nature of the layoff (permanent or temporary)? As it stands today, the current law as written applies. Therefore, COBRA rules apply as they would in any layoff. Should legislation […]

Please find attached most recent Health Insurance Carrier Benefit update Spreadsheet. CarrierBenefitsCoronavirusChart 2020March25

We received word from Horizon that we are free to share the following updates about furlough.  A formal brief from Horizon is expected later today. ______________________________________________________________________________________ We received a few responses as it relates to COVID-19 Horizon administrative inquiries- below please find some initial guidance on some of your questions below: Q Can employer groups […]

When it comes to mistakes done on some work it can be counted as either an error or an omission. Both of them have the same result, work is not completed to a satisfactory standard and both can be central to a claim. However, the difference between the two can make a significant difference in […]

Let me begin by stating the Professional Liability Insurance Group does not provide legal advice and strongly advises that every business seek appropriate legal and professional advice for all business needs. One of the biggest concerns when you’re terminating an employee contract is whether there will be repercussions from the event. There are numerous issues […]

Do you know of any scenarios which might arise in a liability claim from an employee? You could probably name a couple but there are most likely some you don’t know. Here are five examples of employment practice liability cases we’ve created for your benefit. We’ve also added in a line to describe how a […]

What insurance do you need if you manage a legal practice? While law firms tend to be careful about what they can and can’t say – that doesn’t mean they can’t make mistakes which can be costly to the business should a claim be made against them. Of course, how much insurance your law firm […]

If you want to run a successful business there are many lessons you can learn from the most profitable law firms. It doesn’t matter if you are going to manage a law firm or another business, the way they operate can provide lessons to any industry. Here are three things that you can learn from […]

Your business has a limited liability when it comes to claims. This is determined by the shares or guarantees it owns. In contrast, the personal liability of a director / officer of the company is unlimited. If a claim is made against them, their personal assets are at risk. Also, it is a common misconception […]

  Most people don’t think of their office as an inherently dangerous working environment. After all, it isn’t like there are cars, heavy objects moving above heads or other external dangers that can threaten life and limb. However, the office environment does have some serious dangers. The top workplace injuries; back and neck pain, vision […]

The world is becoming ever more digital. We are spending more time on social media, and this is leading to court cases as people disagree over its use. In recent years there have been numerous landmark social media lawsuits that have had a profound impact on how social media can be used within your business. […]

Today’s modern world is becoming ever more digital, and with it, threats from hackers and cyber criminals are becoming more of a risk for all professions, including lawyers. To protect your business should the worse happen, you should seriously consider cyber liability insurance. Is it suitable for everyone? What are the seven factors you need […]

According to a report released this week by the Treasury Inspector General for Tax Administration (TIGTA), almost 65,000 tax-exempt organizations owe close to $875 million in back taxes to the federal government. Underlying this gross negligence in tax abuse is the fact that the IRS has seen a reduction in key enforcement personnel: a slashing […]