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Using HSAs, Health FSAs and HRAs for Over-the-Counter Items

Using HSAs, Health FSAs and HRAs for Over-the-Counter Items

Health savings accounts (HSAs), health flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs) may provide tax-free reimbursements of certain over-the-counter (OTC) items. OTC items are generally available to consumers without a prescription. To be reimbursable, an OTC item must be for “medical care,” as defined under Internal Revenue Code (Code) Section 213(d). Medical care […]
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2024 Midyear Market Outlook: Commercial Property Insurance

2024 Midyear Market Outlook: Commercial Property Insurance

The commercial property insurance segment has been characterized by ongoing premium increases for much of the past decade. According to industry data, such rate jumps reached record-setting levels in 2023, surging by an average of 20.4% in the first quarter alone and only slightly falling to 18.3% in the latter half of the year. These […]
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CrowdStrike, the Most Important Cyber Accumulation Loss Event Since NotPetya, Highlights Single Points of Failure

CrowdStrike, the Most Important Cyber Accumulation Loss Event Since NotPetya, Highlights Single Points of Failure

In what is being called “the most important cyber accumulation loss event since NotPetya,” the July 19, 2024, global technology outage (CrowdStrike) will produce scores of insurance claims across a range of policies, test cyber policy wordings,and sharpen the industry’s focus on single points of failure. Caused by a flawed software update from cybersecurity firm […]
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2024 Midyear Market Outlook: Workers' Compensation

2024 Midyear Market Outlook: Workers’ Compensation

Profitable underwriting results have generated favorable conditions across the workers’ compensation insurance market for nearly a decade. According to the National Council on Compensation Insurance (NCCI), the segment produced combined ratios of 84.5 and 84.9 in 2022 and 2023, respectively, demonstrating continued profitability. Industry experts initially reported that reserve redundancies stemming from reduced presumptive liability […]
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OSHA’s Safe and Sound Week Scheduled for Aug. 12-18

OSHA’s Safe and Sound Week Scheduled for Aug. 12-18

Each year, more than 5,000 workers are killed on the job. Additionally, more than 3.6 million employees are seriously injured each year while at work. Because of this, the Occupational Safety and Health Administration (OSHA) holds a nationwide event each August called Safe and Sound Week, which promotes the importance of companies incorporating safety and […]
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Group Benefits 101: A Tailored Approach for Business Owners

Group Benefits 101: A Tailored Approach for Business Owners

In the dynamic landscape of business, one constant remains: your employees are your most valuable asset. The success and growth of your business hinge on their dedication, motivation, and overall well-being. That’s where the concept of group benefits steps in – a robust strategy that not only enhances your employees’ lives but also fortifies your […]
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Co-Ownership: A Modern Path to Homeownership

Co-Ownership: A Modern Path to Homeownership

In today’s challenging economic climate, the dream of homeownership can feel out of reach for many. High property prices and stringent mortgage requirements have led to the rise of a new trend: co-ownership. This approach allows multiple people to pool their resources to buy a property together, making homeownership more attainable. Here’s a guide to […]
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2023 Whole Life Insurance Company Yield Trend

2023 Whole Life Company Asset Yield Trend • The Insurance Pro Blog

Podcast: Play in new window | Download A number of years ago, we stopped regularly updating various analyses we performed on the insurance industry. This, of course, brought on questions. What motivated our decision to end this practice? Was there some objective we sought to accomplish by ignoring it? Perhaps the data was no longer […]
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Cycling Tips for Sharing the Road with Motor Traffic

How Tesla’s Full Self-Driving Enhances the Auto Industry?

Let’s dive deep into an electrifying topic that’s revving up the auto industry and reshaping the insurance landscape – Tesla’s Full Self-Driving (FSD) technology. With electric vehicles (EVs) charging ahead to dominate the roads, it’s time we talk about how this innovative tech not only propels us towards a futuristic vision of transportation but also […]
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Cycling Tips for Sharing the Road with Motor Traffic

The Importance of Comprehensive Insurance for Businesses

In an era where small businesses are the backbone of the Canadian economy, representing 97.9% of all companies in the country, the rising tide of litigation poses a significant threat to their sustainability and growth.  At Duliban Insurance Brokers, we’ve observed a concerning trend: an increase in litigation against small businesses in Canada. This phenomenon […]
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