13 October 2017 By

Is your company covered by Employment Practices Liability Insurance (EPLI)? If not, you might want to consider it. Over the past twenty years, the number of employment-based lawsuits has increased as employee awareness of fair employment practices has become more widespread. Why you need EPLI insurance will become clear as you consider some of the claims that can be filed against your business.

Here are just a few examples that may provide the wake-up call you need to see how serious—and commonplace—these exposures can be:

  • An employee vandalizes your bathroom by writing offensive or crude comments on a stall wall and another employee is offended.
  • An employee in the lunchroom tells off-color jokes that offend other employees.
  • You prohibit an employee from returning to work after a medical leave unless the employee has full clearance to perform all job duties.
  • While the most common type of lawsuit results from claims of unfair employment termination, other types of lawsuits are on the rise:
  • Genetic discrimination - for requesting personal or family medical history.
  • Unpaid internships (currently a hot topic on Capitol Hill) - for recruiting workers to perform tasks normally considered part of entry-level employment positions.
  • Gender discrimination - for pay inequities between men and women in the same establishment who perform equivalent tasks under similar working conditions.
16 October 2017 By

JGS Insurance, a market leading New Jersey insurance agency, announced today that it has been named a Top 100 Property/Casualty Agency by Insurance Journal. The Top 100 list is ranked by total property/casualty agency revenue for 2016.

JGS Insurance is honored to announce their place as a finalist for the NJBIZ 2017 “Business of the Year” award in the 51-100 employee category.

The Business of the Year awards program celebrates New Jersey’s most dynamic businesses and business leaders who share a commitment to professional excellence, business growth and the community. Finalists were selected in six categories: Business of the Year (1-50 Employees), Business of the Year (51-100 Employees), Business of the Year (101+ Employees), Corporate Citizen of the Year, and Emerging Business of the Year.

19 October 2017 By

CLICK HERE for information regarding the

2nd Annual Food Safety & Microbiology Conference

February 25-28, 2018

19 October 2017 By
10-August-2017 – Holmdel, NJ —JGS Insurance, a market leading New Jersey insurance agency, announced today that it has been named a Top 100 Property/Casualty Agency by Insurance Journal. The Top 100 list is ranked by total property/casualty agency revenue for 2016.

On October 12, 2017, President Trump signed an executive order affecting the ACA, following Congress’ failure to pass legislation repealing the law. Specifically, the executive order would make changes to certain ACA rules by expanding access to association health plans, health reimbursement arrangements (HRAs) and short-term, limited-duration insurance.

The executive order does not, itself, make any specific changes to existing regulations. Instead, it directs federal agencies to issue new regulations or guidance to implement the order’s policies. As a result, it is difficult to know how any existing ACA regulations will be specifically impacted before any further guidance is issued.

In any case, the immediate impact of the executive order will likely be very small, since it will take time to implement policies, regulations and other guidance to carry out these changes.
In addition, The White House announced that, effective immediately, it will no longer reimburse insurers for cost-sharing reductions made available to low-income individuals through the Exchanges under the ACA. Because Congress did not pass an appropriation for this expense, the Trump administration has taken the position that it cannot lawfully make the cost-sharing reduction payments. It is important to note that this change does not impact monetary subsidies on the Exchange. Those are still in place. This is only for the cost sharing reduction which offsets out of pocket expenses (benefit levels) for those making up to 250% of the poverty level. Keep in mind that this DOES NOT impact employer sponsored group health plans – only the individual market.

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