Pennsylvania’s Medical Marijuana Act (MMA or the Act), 35 Pa. C.S.A §10231.101, et seq., became effective May 17, 2016. The MMA introduces a new industry to Pennsylvania and establishes rules and procedures for how that industry is intended to operate, from growers to patients. Potential Impact For starters, federal law impacts how employers will comply … Continued
What You Need to Know On June 20, 2017, the Pennsylvania Supreme Court held that the Impairment Rating Evaluation (IRE) process was unconstitutional because the General Assembly is not permitted to delegate its authority to issue impairment rating guidelines to a non-legislative body, or in the Protz case, the American Medical Association (AMA). See Protz … Continued
It sounds like far-fetched technology from a spy movie: an enemy agent lays in wait, spying on C-level employee’s email and instant messaging. For months, they observe patterns and language; learn personal details; and communication styles. They also catch and release each correspondence to seize control and impersonate an officer when the moment is just … Continued
The continued rise in the amount of information stored and transferred electronically has resulted in a remarkable increase in the potential exposures facing businesses. A traditional business liability policy is extremely unlikely to protect against most cyber exposures. Standard commercial policies are written to insure against injury or physical loss and will do little, if … Continued
Radon gas is responsible for 21,000 lung cancer deaths per year, or 58 deaths per day. It carries approximately 1,000x the risk of death as any other EPA carcinogen. The Environmental Protection Agency (EPA) estimates that nearly one out of every 15 homes in the United States has an unsafe level of radon gas. All homeowners … Continued
There is no secret that today we live in a more litigious society. More injured parties are opting to retain attorneys instead of dealing direct with the insurance adjuster. Injury and property damage claims that were once resolved between the injured party and the insurance company are now going into litigation. A business owner needs … Continued
In this world of complex business relationships, it’s always a good idea to transfer as much risk as possible to the party that is creating or controlling a particular exposure to loss. So whether you’re hiring a contractor to do work for you, leasing some space in your building to a new tenant or bringing … Continued
“I am so worried about protecting myself online. Between phishing, identity theft, and credit card fraud, how can I protect myself online? Should I stop shopping on the internet?” It’s been reported that 9 in 10 Internet users have had their personal data compromised, though many remain unaware. While it may be impossible to guarantee … Continued
After spending the weekend with their toddler nephew, Sarah and her sister, Allison, caught a bad case of the flu. Sarah and Allison are both enrolled in similar employer group health plans that have a deductible for services such as hospital stays, x-rays, and emergency room visits. Now both miserable and awake in the middle … Continued
“I owe how much?” Recently, our customer, Julie, was surprised to learn that a simple procedure she had scheduled with her dermatologist cost her $930 out of pocket. “‘They had sent me some paperwork in the mail prior to the procedure that stated, according to my health care coverage and high deductible plan; I was … Continued