Don't take risks, prevent them.

Operate better, smarter and more profitably

 

Every business wants to lower costs, pay less for claims and reduce premiums. But what’s the best way to make that happen?

We believe that, rather than just finding you a better insurance solution, preventing those things that put your organization at risk in the first place is far smarter and will reap you far greater results.

Going through our PREVENT Process can help you identify risk before anything happens. We’ll then help proactively install counter measures to protect you, your assets and your people from the negative affects of incidents, accidents, and claims.

It’s a different way of doing business. We know that. But it gets results.


RJF News & Updates


Stillwater Fire Department Receives Grant For Fire Rescue Boat

May 14, 2012--Thanks to a $12,989 donation from Fireman’s Fund Insurance Company and RJF, a Marsh & McLennan Agency LLC company, Stillwater Fire Department is retrofitting a 24-foot surplus Coast Guard fire boat they recently acquired.

 Read More
What to expect from your insurance carrier post-disaster

May 12, 2012--An RJF claims consultant and specialist on property damage explains what businesses can and should expect from their carrier in the event of a weather-related catastrophe.

 Read More
DOL Begins Enforcing the Affordable Care Act Through Plan Audits

May 2, 2012--Written audit requests to health and welfare plans from the DOL have included inquiries related to various mandates under the Affordable Care Act. This marks the first appearance of ACA-related topics in DOL auditing practices.

 Read More
COBRA Audit Guidelines

May 2, 2012--The IRS may be stepping up their efforts to ensure that employers are complying with COBRA when it recently updated its COBRA audit procedures on its Website last month.

 Read More
Comparative Effectiveness Fees

May 1, 2012--The IRS has issued proposed rules addressing the comparative effectiveness research fees imposed by the Patient Protections and Affordable Care Act (PPACA) on health insurance carriers and plan sponsors of self-insured health plans.

 Read More
Group Disability Insurance

May 1, 2012--Studies show that working-age adults are more likely to suffer from a disability in a given year than they are to die. Unless it is offered through their employer, most adults have little, if any, disability insurance coverage.

 Read More
Hiring Considerations - Arrest and Conviction Records

April 27, 2012--The EEOC voted and approved revisions to the use of arrest and conviction records in the hiring process. The approval addresses which factors an employer should consider when utilizing criminal conviction history.

 Read More
Live Well Work Well Newsletters

A newsletter bringing readers information about healthy living.

 Read More
Benefits Buzz Newsletters

Benefits and HR tips updated on a monthly basis.

 Read More
Clarification on Mary Setter's Health Care Reform Q&A in Star Tribune

April 2, 2012--Sunday’s Star Tribune featured a health care reform Q&A with RJF’s Mary Setter. Based on how the article was edited, there may be some confusion about how health care reform penalties work and are applied to employers.

 Read More


Stillwater Fire Department Receives Grant For Fire Rescue BoatWhat to expect from your insurance carrier post-disasterSoften the Impact of a Hardening Market - Part 2Soften the Impact of a Hardening Market - Part 1State of Manufacturing 2012Partner With AdjustersSeminar--Navigating the World of Claims Fraud & LitigationHow to Get Started Managing Risk in your Franchise System