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William Blount & Associates Blog

View the latest blog posts from William Blount & Associates.

In today’s business climate of corporate transparency and accountability, an organization’s officers and directors face a myriad of employment-related exposures. Regardless of your company’s size or mission, the legal costs associated with a lawsuit can be crippling for both the organization and your directors and officers. READ MORE >>

Employee Benefits Liability  Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered. These errors and omissions may include failing to enroll, maintain or terminate employees in a plan, and failing to correctly describe benefit plans and eligibility rules to employees. READ MORE >>

Officer Exclusion from Workers’ Compensation Insurance Most states require employers to purchase a workers’ compensation insurance policy to cover workers who are injured or made ill due to a workplace exposure. READ MORE >>

Have you put off making a will? If so, you’re not alone. According to a 2014 survey conducted by, 55% of Americans with children - and 64% in general - currently do not have a will in place. While preparing a will may not be the most popular way to spend an afternoon, it could be the most productive - especially for your heirs. READ MORE >>

The Occupational Safety and Health Administration (OSHA) recently unveiled its top 10 most frequently cited violations. The agency reports the leading causes of workplace injuries during its fiscal year (October through the following September). READ MORE >>

Under Tennessee law, a health insurance plan is required to offer coverage to dependent children until at least 24 years of age for a child who is unmarried and financially dependent on his or her parent. Coverage must continue beyond the plan’s limiting age for disabled dependents. READ MORE >>

The way project owners evaluate and manage risks on construction projects and make fiscally responsible decisions to ensure timely project completion are crucial to their success. Since private owners cannot afford to gamble on a contractor whose reliability is uncertain or who could end up bankrupt halfway through the job, a surety bond is a great safety net for the investment. READ MORE >>

It’s always important to gain better control over your rising workers’ compensation costs. One solution to shift your focus from solely trying to minimize lost - workday incidence to a more holistic approach. READ MORE >>

UNDERSTANDING YOUR INSURANCE POLICY We understand that you might not be interested in reading the fine print of your insurance policy. But since an insurance policy is a legal contract between the insured - you or the entity being insured - and the insurer, it’s important for you to understand policy basics. READ MORE >>

OSHA recently released new recommended practices for safety and health programs in construction as part of the agency’s ongoing efforts to help employers keep their workplaces safe. OSHA believes that small businesses can especially benefit from the new resource, as they may not have regular access to safety and health specialists. READ MORE >>

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This website is intended to stimulate dialogue about your protection and does not alter or interpret your insurance policies. Always refer to your policy for details about your coverage.