“Control your own destiny or someone else will.”
-Jack Welch
“As the sale of cyber policies grows and other types of policies are extended to include cyber coverage, the industry is taking on a massive amount of new risk. Although it is true that auto, workers compensation, environmental policies and so many others were all new offerings at one time, there are some things about cyber that make it more unusual, more uncertain and more potentially dangerous for the insurance industry than new offerings of the past…”
Last week, the IRS issued additional FAQs regarding the Employer Shared Responsibility Payment (an assessment under the employer mandate). This is the first real guidance on the process of notification and assessment of any employer mandate penalties. Click here to read the full ACA Compliance Bulletin.

If you are in the Fresno office, mark your calendar for the 7th annual D&D Project Holiday Boutique!

“Gratitude can transform common days into thanksgivings, turn routine jobs into joy and change ordinary opportunities into blessings.”
– William Arthur Ward

This week’s #TBT goes out to the Bakersfield office and their awesome Veterans Day tribute to military family members. Thank you to all of them and every vet for their service!

Yesterday’s Development Academy training was a success! Are your clients looking for to sign up? There is still room in the Manteca class — send them this link to register: https://www.eventbrite.com/e/dd-insurance-safety-common-sense-i-dont-think-so-tickets-31298937966?aff=es2.