Bates Hewett & FLoyd Recent Articles

Insurance, Risk Management and Financial articles

Homeowners Insurance and the Rising Cost of Building Materials

Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber....

Making Sense of New CDC Guidelines

CDC Says Masks Are No Longer Required in Most Settings for Fully Vaccinated Individuals The Centers for Disease Control and Prevention (CDC) has released new guidance for people who have been fully vaccinated for COVID-19. This long-awaited guidance loosens the CDC’s...

Internship Programs Under The Fair Labor Standards Act

The facts below provide general information to help determine whether interns and students working for “for-profit” employers are entitled to minimum wages and overtime pay under the Fair Labor Standards Act (FLSA).1 Background The FLSA requires “for-profit” employers...

FEMA Unveils Changes to the National Flood Insurance Program

The Federal Emergency Management Agency (FEMA) announced that it will be updating the National Flood Insurance Program (NFIP) pricing methodology through a new risk rating system. According to FEMA, this system—which is being referred to as “Risk Rating 2.0”—will...

Personal Lines Insights

Life Purchasing Medication Online Ordering your prescriptions online and having them delivered right to your door can be convenient. That being said, purchasing medication online can also carry significant risk, and it’s important to take precautions to keep your...

Frequency of Vehicle Thefts Increased in 2020

Everyone is susceptible to vehicle theft, whether they live in a metropolitan area, the neighboring suburbs or the rural countryside. In fact, after a downward trend in the frequency of vehicle thefts, there was a dramatic increase in 2020, according to the National...

Commercial Risk Newsletter

A More Proactive Approach Toward COVID-19 Protection New COVID-19 guidelines from the Occupational Safety and Health Administration (OSHA) released under President Joe Biden’s administration signal a more proactive approach toward protecting U.S. workers from...

Overview of Biden’s Proposed $1.9 Trillion Stimulus Package

The House of Representatives has passed its version of President Joe Biden’s proposed stimulus bill, which includes extended unemployment benefits, direct checks to individuals and more. The bill is now with the Senate, where some provisions will likely change....

Top 10 Workplace Discrimination Claims

In the 2020 fiscal year, the Equal Employment Opportunity Commission (EEOC) resolved more than 70,804 charges of workplace discrimination. Discrimination lawsuits can be very time-consuming and expensive for employers, and can result in a loss of employee morale or...

Sprinkler System Failures

When it operates correctly, your commercial property’s sprinkler system can play a vital role in suppressing a fire. According to a recent report from the National Fire Protection Association (NFPA), in fire incidents substantial enough to require assistance from a...
Homeowners Insurance and the Rising Cost of Building Materials

Homeowners Insurance and the Rising Cost of Building Materials

Recent findings from the National Association of Home Builders (NAHB) confirmed that household construction costs have surged over the past year. This rise in construction costs is directly tied to soaring building material expenses—namely, the price of lumber....

Making Sense of New CDC Guidelines

Making Sense of New CDC Guidelines

CDC Says Masks Are No Longer Required in Most Settings for Fully Vaccinated Individuals The Centers for Disease Control and Prevention (CDC) has released new guidance for people who have been fully vaccinated for COVID-19. This long-awaited guidance loosens the CDC’s...

Internship Programs Under The Fair Labor Standards Act

Internship Programs Under The Fair Labor Standards Act

The facts below provide general information to help determine whether interns and students working for “for-profit” employers are entitled to minimum wages and overtime pay under the Fair Labor Standards Act (FLSA).1 Background The FLSA requires “for-profit” employers...

FEMA Unveils Changes to the National Flood Insurance Program

FEMA Unveils Changes to the National Flood Insurance Program

The Federal Emergency Management Agency (FEMA) announced that it will be updating the National Flood Insurance Program (NFIP) pricing methodology through a new risk rating system. According to FEMA, this system—which is being referred to as “Risk Rating 2.0”—will...

Personal Lines Insights

Personal Lines Insights

Life Purchasing Medication Online Ordering your prescriptions online and having them delivered right to your door can be convenient. That being said, purchasing medication online can also carry significant risk, and it’s important to take precautions to keep your...

Frequency of Vehicle Thefts Increased in 2020

Frequency of Vehicle Thefts Increased in 2020

Everyone is susceptible to vehicle theft, whether they live in a metropolitan area, the neighboring suburbs or the rural countryside. In fact, after a downward trend in the frequency of vehicle thefts, there was a dramatic increase in 2020, according to the National...

Commercial Risk Newsletter

Commercial Risk Newsletter

A More Proactive Approach Toward COVID-19 Protection New COVID-19 guidelines from the Occupational Safety and Health Administration (OSHA) released under President Joe Biden’s administration signal a more proactive approach toward protecting U.S. workers from...

Overview of Biden’s Proposed $1.9 Trillion Stimulus Package

Overview of Biden’s Proposed $1.9 Trillion Stimulus Package

The House of Representatives has passed its version of President Joe Biden’s proposed stimulus bill, which includes extended unemployment benefits, direct checks to individuals and more. The bill is now with the Senate, where some provisions will likely change....

Top 10 Workplace Discrimination Claims

Top 10 Workplace Discrimination Claims

In the 2020 fiscal year, the Equal Employment Opportunity Commission (EEOC) resolved more than 70,804 charges of workplace discrimination. Discrimination lawsuits can be very time-consuming and expensive for employers, and can result in a loss of employee morale or...

Sprinkler System Failures

Sprinkler System Failures

When it operates correctly, your commercial property’s sprinkler system can play a vital role in suppressing a fire. According to a recent report from the National Fire Protection Association (NFPA), in fire incidents substantial enough to require assistance from a...

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