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White Papers

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  • Benefits Captive Strategies
    How to properly manage these risk-transfer arrangements

    Placing employee benefits into an employer-owned captive can be a wise financial move for companies. Such benefits are provided at little to no extra cost to employees and with a captive can result in savings for employers. This latest white paper from Business Insurance explains the evolution of captive-funded employee benefits since the passage of ERISA in 1974 including the most up-to-date captive benefits strategies. This paper also discusses the steps required by the federal government to fund ERISA-governed benefits with a captive and the projected growth in the use of captive arrangements to fund employee benefits. View a sample.

  • Sales compensation. It’s what drives revenue generation.

    A Sponsor Insight white paper

    Each year over $1 trillion is spent on sales forces, yet many organizations struggle with incentive administration and reporting – especially those with large teams, complex incentives or high sales transaction volumes. The result is diluted performance. Find out if your organization is committing one of the Seven Deadly Sins of SPM in this free Sponsor Insights white paper from IBM. Register to Download

  • Insurance Carriers: Growth through 3rd Party Products

    Identity theft is one of the fastest-growing crimes in America. Providing access to identity theft protection can help insurers fill growing demand. In this free white paper, learn how to increase engagement with policyholders by using identity thief protection. This Sponsor Insight guide, created by LifeLock, reviews benefits of third-party products and provides recommendations for selecting right theft protection service provider. Register to download.

  • Growth strategies for brokers: Expanding business through M&As, new business and new people

    There can be no standing still for insurance brokerages and independent agencies. In an increasingly competitive marketplace, the brokerage that doesn't find a way to grow isn't merely at a competitive disadvantage. It could be entangled in a losing battle for survival. Growth opportunities present themselves in multiple ways. This white paper explains various growth options for large and smaller brokers. Perhaps the highest-profile method is growth through merger or acquisition. These deals aren't confined to property/casualty operations, either, as employee-oriented brokerages prove to be increasingly attractive. Recruiting top talent must be part of any long-term growth strategy. Finding and retaining the brokerage industry leaders of tomorrow and providing them with a rewarding career with plenty of opportunities for advancement should be a top priority for any brokerage or independent agency. View a sample.

  • Demystifying the Affordable Care Act IRS Regulations

    A Sponsor Insight white paper

    The IRS reporting is where the Affordable Care Act comes together. In this free guide, learn how to track and record data for IRS reporting. This Sponsor Insight guide, created by Equifax, highlights aspects of who must send and receive the forms, what information must be included on each form and time when forms must be submitted. Forms 1094 and 1095 provide the single source of eligibility and benefit information that the IRS needs to enforce individual and employer mandates. And because these forms will be used to determine the fines that both employers and employees may face, it's important to get it right. Register to download.

  • Combating retaliation claims: How to reduce their potential and limit their impact

    Retaliation claims by employees have become a problem for employers, with more than 37,000 retaliation charges filed in 2012. The U.S. Equal Employment Opportunity Commission has taken an aggressive approach to pursuing claims where they allege employers fired, demoted or retaliated in other ways against workers that lodge a discrimination charge or participate in discrimination proceedings. Ironically, the retaliation claims often endure after the underlying discrimination charges have been dismissed. But it's not just a legal issue for employers; it's a financial issue too. The EEOC obtained $177.4 million in retaliation claims-related payments from employers last year. This white paper from Business Insurance details the problem, reviews the legal history, discusses successful defense strategies, and outlines ways to stop retaliation happening in the first place. View a sample.

  • Guard Against Reputational Damage:
    How to handle risks that can jeopardize the brand

    A company's reputation is one of its most important assets. Years of good work can be jeopardized by just one incident that sours the public's view of an organization. A damaged reputation can result in a loss of sales and a lower stock price, and create long-term financial problems for a company. Given what's at stake, it is vital that companies respond effectively to any event that threatens their reputations. This latest white paper from Business Insurance explains what's at stake for companies, what they can do to manage the risk before and after an event happens, and what insurance coverage is available to meet the costs of restoring a damaged reputation. View a sample.

  • Medicare secondary payer compliance: How to deal with an evolving regulatory landscape

    A Business Insurance White Paper

    This in-depth report examines some of the many challenges surrounding Medicare Secondary Payer compliance and includes strategies to make the compliance process easier for workers comp payers. It also explains the pending legislative and regulatory reforms that could reduce the Medicare reimbursement burden for insurers and employers. View a sample.

  • Pension Plan De-Risking:
    How employers can transfer the risk of defined benefit pensions

    The phrase “pension de-risking” was not part of the pension plan lexicon until Ford Motor Co. dropped a pension benefit bombshell when it announced that it would offer about 90,000 salaried retirees and former employees the option to take their current or future monthly annuity as a lump-sum cash payment. Offering pension plan participants a lump-sum option is not uncommon, but such offers typically are made to employees at the time they terminate employment, not when they have already retired and are receiving their monthly annuities. The move allowed Ford to reduce its exposure to unpredictable pension plan costs and allowed it to concentrate on its core auto business. Ford's move was soon followed by other large companies and the trend is expected to continue. This white paper explains how pension de-risking works, outlines the advantages of the strategy and reviews the outlook for the pension de-risking approach. View a sample.

  • Seismic Shift in Workers Comp Pricing: How to rethink insurance options, risk retention to keep costs under control

    Rising prices for workers compensation insurance policies and for excess insurance purchased by employers self-insuring their workers comp risks are cause for rethinking insurance options and possibly assuming more risk. Reducing insurance costs will require employers' greater attention to loss analysis, safety and claims management. And assuming more risk also could mean taking on greater responsibility for managing workers comp service suppliers. The soft market has vanished, taking with it policyholders' ability to get the price reductions and favorable policies available from 2004 through 2010. This Business Insurance white paper outlines various solutions for workers comp buyers to evaluate the advantages and disadvantages of different program structures. View a sample.