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Pest Control

ProPest™ is a specialty program offering brought to you by EPIC Insurance Brokers & Consultants. This program offers coverage specifically designed for the pest control operators industry including, risk assessment, claims management and loss prevention. Connect with Sales Coverage We have a dedicated team providing: General Liability Business Property Pesticide/Herbicide Applicators Coverage Errors & Omissions Commercial Auto Coverage Transit Pollution Coverage Cyber Liability Risk Control Services Education and Training Employment Practices Liability Flexible Payment Options

https://www.epicbrokers.com/programs/pest-control/

Joint Agencies Issue FAQs Regarding Plan Coverage for HIV PrEP Treatment

… that the purpose of PrEP is to decrease the risk of HIV transmission to the identified high-risk individuals. Further, the USPSTF cites CDC guidance that PrEP is not just medications but a comprehensive intervention consisting of antiretroviral medicines and essential support services. These essential support services include medication self-management plans, adherence counseling, risk reduction strategies, and mental health counseling and therapy. Services also include clinical assessments necessary to ensure that a healthcare provider prescribes medications for PrEP to at-risk individuals who are not infected with HIV and who have no medical contraindications. Finally, plans should also cover …

https://www.epicbrokers.com/insights/joint-agencies-issue-faqs-regarding-plan-coverage-for-hiv-prep-treatment/

Real Estate

… Partnership liability protection Employee and tenant discrimination insurance, including ADA violations coverage Owner-controlled insurance programs (Wrap) Earthquake/flood Our core services include: Risk Control Loss and Claims Management Advocacy Lease and Vendor Contract Review Certificate Management – Incoming and Outgoing Probable Maximum Loss Modeling Premium Allocation Programming Workers’ Compensation Trend Reports and Modeling Benchmarking and Peer Analysis

https://www.epicbrokers.com/industries/real-estate/

August Is National Wellness Month

… issues that may stem from lifestyle factors. Employers can address their employee population’s health and weight management by promoting health and wellbeing at the workplace. There are low-budget (to no-budget) options in the marketplace. One low-budget option for employers is FREE phone applications that can support employee wellbeing and weight management. In addition, EPIC encourages employers to develop strategic communications to promote a more well-rounded plan for weight management, chronic condition prevention, and risk reduction within their employee population. MyFitnessPal: this app is a FREE calorie tracking app in which members can create and …

https://www.epicbrokers.com/insights/national-wellness-month/

The Hardening Stop Loss Market

… at a loss. So, we have repeatedly found ourselves in situations requiring 30%, 50%, and in some rare cases, even larger increases. Also concerning is the fact that many carriers are curtailing the offer of “no new lasers” contracts. Our recommendation to clients is: When appropriate, consider taking on more risk with the thresholds, explore clinical case management solutions offered by the medical carrier to reduce high spend, and ensure your consultant is truly scouring all ends of the reinsurance market. We’ll often see our competitors approach only three carriers when a reinsurance marketing should include at least 10 …

https://www.epicbrokers.com/insights/the-hardening-stop-loss-market/

The Leave Management Shift: New Research on What’s Working (And What Isn’t)

Viewpoints from Morgan Lee, PhD, MPH, CPH and Lisa Malloy, CLU, REBC, FLMI The Strategic Shift in Leave Management Leave management has evolved from a simple administrative task to a critical strategic imperative. As employee expectations rapidly evolve and compliance requirements grow more complex, human resources (HR) and finance leaders face an urgent reality: the old playbook no longer works. Today’s workforce demands flexibility, and organizations must adapt quickly or risk falling behind. So, how can you streamline leave processes without sacrificing compliance? How does your company strike a balance between employee needs and operational efficiency? The answer lies …

https://www.epicbrokers.com/insights/leave-management-strategy-shift/

Mitigating the Risk of Auditing U.S.-Listed Foreign Companies

… affiliated entities in these foreign jurisdictions, and in other cases they have or will begin to contract with another independent accounting firm or individual accountants located in China or Hong Kong to assist the U.S.-based accounting firm perform portions of the audit work under the lead auditor’s management and supervision. For those accounting firms that have or are considering undertaking these engagements, it is important to keep in mind the related risks in order to best consider how to mitigate them. The acting chief accountant of the Securities and Exchange Commission, Paul Munter, has issued a statement …

https://www.epicbrokers.com/insights/mitigating-auditing-risk/