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EPIC Insurance Brokers and Consultants Acquires Trumark Insurance & Financial Services

… an EPIC company please visit www.vanbridge.com or https://advisor.vanbridge.com/. About Trumark Trumark’s team of advanced point-of-sale specialists, forms strategic partnerships with institutional financial advisors, broker-dealers, P&C firms, RIAs and independent advisors. They implement risk management solutions for their high net worth individual and business clients using an array of insurance products. Trumark’s team provides unparalleled expertise in the areas of product evaluation, product structuring, underwriting and case management to deliver professional, ethical solutions that enhance the advisor’s relationship with their client. For additional information, please visit www.trumarkfinancial.com

https://www.epicbrokers.com/insights/epic-acquires-trumark-insurance/

Surety Bonds

… well versed in industry-specific bond requirements in waste and heavily involved in local industry associations. Why Choose EPIC for Surety Bonds National Market Access Long standing relationships with leading contract and commercial surety markets so you get competitive terms and reliable capacity. Industry Specific Expertise Dedicated teams in an array of fields and industries. Strategic Program Design We evaluate your operational profile, bond requirements, and workflows to engineer the right structure for growth. Aggressive Negotiation Pre-determined market approach, clear program terms, and expectations to deliver better pricing and flexibility. End to End Service Underwriting strategy and bond issuance …

https://www.epicbrokers.com/services/surety-bonds/

Special Compliance Alert: Final Regulations Issued on Health Reimbursement Arrangements (HRAs) – June 2019

… to help cover the cost of co-pays, deductibles, or other expenses not covered by a primary group health plan even if an employee does not enroll in the primary plan. Employers will be able to offer the new HRA options starting January 1, 2020. BACKGROUND An HRA is an arrangement where an employer reimburses participants for certain eligible medical expenses. The Affordable Care Act (ACA) and related agency guidance made offering HRAs tricky for many employers since HRAs, by design, violate the ACA prohibitions on annual limits on medical expenses unless the HRA is properly integrated with other group …

https://www.epicbrokers.com/insights/special-compliance-alert-final-regulations-issued-on-health-reimbursement-arrangements-hras-june-2019/

Compliance Matters Newsletter | July 2026

… Affordable Care Act (ACA) Patient-Centered Outcomes Research Institute (PCORI) fees no later than July 31, 2026. Fully insured plan sponsors can rely on their carriers to submit the fee on their behalf, but fully insured plan sponsors that sponsor a self-funded plan component, such as a health reimbursement arrangement (HRA), will need to file and pay for the self-funded component plan. Payment amounts due in 2026 will differ based on the employer’s plan year. The Internal Revenue Service (IRS) provides a chart showing applicable fee amounts depending on the plan’s year-end date. The fees …

https://www.epicbrokers.com/insights/compliance-matters-newsletter-july-2026/

Rethinking U.S. Liability: Why Tort Reform Matters More Than You Think

Authors: Tandis Nili & Haendel Conil For European risk managers, the United States has long represented a liability system that behaves differently in a fundamental way. The contrast is structural, not merely one of degree. In Germany and across continental Europe, civil liability is determined by professional judges rather than lay juries, legal costs are borne by the losing party, contingency fee arrangements are largely prohibited, and damages remain anchored to actual economic harm. These features compress uncertainty as cases progress, with exposure narrowing as facts are tested. In the U.S., exposure has historically expanded over time, driven by how …

https://www.epicbrokers.com/insights/why-tort-reform-matters/

Rethinking U.S. Liability: Why Tort Reform Matters More Than You Think

Authors: Tandis Nili & Haendel Conil For European risk managers, the United States has long represented a liability system that behaves differently in a fundamental way. The contrast is structural, not merely one of degree. In Germany and across continental Europe, civil liability is determined by professional judges rather than lay juries, legal costs are borne by the losing party, contingency fee arrangements are largely prohibited, and damages remain anchored to actual economic harm. These features compress uncertainty as cases progress, with exposure narrowing as facts are tested. In the U.S., exposure has historically expanded over time, driven by how …

https://www.epicbrokers.com/services/epic-web-accordion-admintech/

Life, Absence & Disability

… design for PTO, parental/family leave, and sick leave Federal, state, and local leave law compliance navigation and ongoing monitoring Statutory benefit strategy and funding analysis Custom benchmarking against market and peer programs Vendor sourcing for leave and disability management platforms and tools Benefit design and plan funding for complex arrangements, including carve-outs, retiree buy-outs, and settlements Insured vs. self-insured plan design evaluation Internal and external process reviews to improve the employee and employer experience Why Clients Choose EPIC Multi-state compliance, handled. With an increasing number of states mandating paid family and medical leave, and more …

https://www.epicbrokers.com/services/life-absence-disability/

2026 Trends in Drug Benefit Design Report

PSG, EPIC’s Pharmacy Solutions Practices, announces the results of its extensive research on the latest trends in drug benefit design. Plan sponsors face complex decisions and challenges as they build and implement their drug benefit. PSG’s 2026 Trends in Drug Benefit Design Report provides a view into how plans work to achieve access and affordability for members while controlling their pharmacy spend. The report contains valuable insights from benefits leaders representing plans nationwide. Key Findings Unbundled PBM Service Arrangements: Payers’ perception of value in unbundled PBM service arrangements increased year-over-year, and over half say they would …

https://www.epicbrokers.com/insights/2026-trends-in-drug-benefit-design-report/