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Joe Biden is President-Elect: What’s Next for Employers?

While the outcome of the Georgia Senate race could make much of what follows more impactful for employers, the preferences of President-elect Biden when it comes to the workplace are well-documented. Whether it’s the COVID-19 response, labor and workers’ rights, diversity or healthcare, there’s a lot of potential change in the wind for employers. Again, much of this could be tempered by the makeup of the Senate, however, business owners and HR policy owners should keep what follows on their radar.

Addressing COVID-19
Various sources suggest that addressing the pandemic will be the new Administration’s number one priority. Employers could see…

What You Need to Know About the Families First Coronavirus Response Act

Believe it or not, before the COVID-19 pandemic hit, a staggering 33 million Americans lacked even a single day of paid time off to care for themselves or a sick family member. Most of us are familiar with the term FMLA (Family Medical Leave Act) or we’ve heard of it before at some point in our life. When the pandemic hit, our government had to create a whole new kind of leave in addition to FMLA in order to help cover the gap for when individuals get COVID-19 or come in contact with someone who had COVID-19 and need…

Mandating COVID-19 Vaccinations? What Employers Should Consider

The FDA has authorized Pfizer’s COVID-19 vaccine for emergency use and rollout has begun. While access to the vaccine is currently limited due to prioritization restrictions and logistical challenges, we can assume that the vaccine will become available to the general public at some point in 2021. How will you address vaccination with your workforce? Have you thought about mandating a COVID-19 vaccination for all employees? Have you wondered if it would be legal to do so? Whether there may be exceptions to consider?

Generally speaking, other than in the several states that permit philosophical objections to receiving vaccines, employers…

Hardening Market Trends for Commercial Insurance

The last thing a business owner or CFO wants to hear is that their commercial insurance rate is increasing at the time of renewal. Over that past 20 years, the insurance markets have been soft, however, due to the current state of affairs and impact of COVID-19, the insurance industry is shifting into a hardening market.

The trend can be seen when reviewing the August results of the IVANS Index™ which tracks premium renewal rates. Here are the changes versus the month prior:

  • Business Owners Policy: 5.00%, up from 4.38%
  • General Liability: 3.61%, up from 3.45%

Building Culture Through Servant Leadership

What is your company’s culture and engagement strategy? The employers who embrace the power of servant leadership and have strategies in place to communicate their culture and promote employee engagement will be in the best position going forward. At Univest, we highly value our culture and truly believe it drives performance. We also realize that culture isn’t something that just happens – it has to be defined and cultivated.

The Univest Way consists of 18 fundamentals that describe the daily principles and practices that make our five core values come to life and truly serves as the foundation of our…

Tips for Managing Employer’s Risk during COVID

COVID-19 has changed all of our lives in ways we could not have imagined. These changes have occurred both at home and at work. The changes within the workplace have brought about many questions from business owners and safety personnel from an insurance standpoint. The Pennsylvania Compensation Rating Bureau (PCRB) has published two circulars that begin to address these questions. Circulars 1737 and 1738 can be found on its website at An outline of their content has been provided below. The safety of employees, customers, and vendors is paramount during these challenging times, so OSHA has also provided numerous resources to help businessowners…

Key Factors to Controlling Commercial Auto Insurance

The segment for commercial automobile insurance is continuing to experience deteriorating results. In fact, commercial auto insurers reported the worst losses in a decade, according to this article from Insurance Journal. Driven by numerous factors including costlier litigation from social inflation and increased repair costs, the average business may see double-digit rate increases on upcoming renewals on their commercial automobile line of insurance! There are ways to help control that expense.

Here are two things to keep in mind as you’re preparing for your insurance renewal:

  1. Proper safety and loss control techniques can help you decrease the frequency and severity…

Collaboration is Key in the Wake of COVID

As we face the uncertainty of the impact of the coronavirus pandemic on our economy, public safety and our individual health, we are all looking for assurances from our leaders and employers. One of the biggest factors that contribute to the success of any business is the ability to perform together as a team. With the recent uncertainty and increasing competition, it has become extremely important to encourage creativity and collaboration among your employees in order to improve productivity while also promoting both physical health and healthy employee relationships.

At Univest, we highly value our culture and truly believe it…

We Are in This Together

As we face the uncertainty of the impact of the coronavirus pandemic on our economy, public safety and our individual health, we are all looking for assurances from our leaders, employers and health insurance providers.

Each of the medical insurance carriers announced that they are waiving the cost sharing of testing and any treatment for COVID-19. I had the opportunity to speak with The Morning Call about waiving fees for coronavirus treatments. The potential positive takeaways as we navigate this crisis include lowering the cost of the barrier to care for all patients, increased telemedicine usage and access to…

Maintaining Mental Health Wellness in the Workplace

A newborn baby, an active 3-year-old, a full-time job, a husband and a laundry list of other responsibilities. Bouncing from daycare to work meetings to the office and not to mention unexpected ER and doctor trips added on top. All while making sure I eat daily and take care of myself so I do not suffer from post-partum.

This is my life, my own personal struggle. But the reality is that so many people in this world are suffering from their own mental health disorder. It could be anxiety, bullying, depression, workplace stress, or physical burnout, just to name a…

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