March 2015
Call Potomac Basin Group
in this issue:
talk to the president:
Jim Bendel
talk to sales:
Employee Benefits
John Deem
VP of Business Development
Business Insurance
Scott Marker
VP of Business Development
Property, Auto, Homeowners
Jackie Kociszewski
Personal Lines Manager
Medical, Dental, Disability, Life
Gregg Avedon
Consumer Products Manager
talk to client services:
Employee Benefits
Jenn Swistak
Vice President of Client Services
Business Insurance
Mary Jane Donaldson
Director of Client Services

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Employee Benefits

Final Forms and Instructions for Employers to Report Health Coverage and ACA Compliance

The IRS has released finalized forms and instructions for employers subject to the new information reporting requirements under the Affordable Care Act (ACA):

  • Forms 1094-C and 1095-C will be used by large employers (generally those with at least 50 full-time employees, including full-time equivalents) to report information to the IRS and to their employees about their compliance with "pay or play" and the health care coverage they have offered.
  • Forms 1094-B and 1095-B will be used by self-insuring employers (regardless of size) and other parties that provide minimum essential health coverage to report information on this coverage to the IRS and to covered individuals.

3 Things to Consider When Terminating an Employee
Terminating an employee is never a pleasant task, but at times it is a necessary part of managing your workforce. Here are some steps you can take to protect your business against possible wrongful termination claims:
1. Understand the Employment At-Will Rule
Almost all states recognize employment at-will. This means that, absent a law or express agreement to the contrary (such as an employment contract), employers may generally terminate an employee for any reason and at any time.

However, there are important exceptions to the at-will rule. For example, under both federal and state law, covered employers may not discriminate on the basis of certain protected characteristics (e.g., race, color, {gender}, age, national origin, or disability).


Business Insurance

8 Spring Insurance Hazards

1. Spring Flooding

When winter snow starts to melt, rivers and creeks may rise. Mix in some spring rains, and there is potential for flooding in many parts of the country.  While a standard home insurance policy covers water damage from sudden occurrences - such as burst pipes - it will not cover destruction related to spring floods.

2. Ice Dam Damage

When wintry snow or rain falls, melts and refreezes on rooftops, ice on shingles can form a dam that causes subsequent snow melt or rainwater to back up.  Those backups may allow water to leak into the home and ruin walls. Fortunately, you can usually file a claim with your homeowners insurance.

3. Pothole Damage

Driving through a pothole may ding up your car or cause damage.  Contact your insurance agent to report a claim.


Personal Insurance
Do You Have An Inventory of Your Home Possessions?
Taking an inventory of your household items can take some time but in the event of a loss such as a fire or theft, you will appreciate that you have a record of what you own. You can obtain a household inventory form from your agent.  

Understanding the Benefits of An Independent Agent
Your independent agent is working for you! A direct writer is working for the carrier.  Unlike a direct writer, an independent agent represents many different companies and has the ability to select the one that most fits the individual need.  

Potomac Basin Group Associates, LLC
4740 Corridor Place Beltsville, Suite B
Maryland 20705