When it comes to home renovations, don't skip the one phone call you need to make


In our latest roundup of personal insurance news, notes, and tips, we begin with a reminder that seeing someone's proof of insurance is one thing -- but hearing an agent verify that coverage is believing.

Hiring contractors? Verify their insurance with an agent, then trust.

Spring is ideal for home improvements, some of which might require a contractor's expertise. But before anyone starts work on your home, make sure they have insurance. Ask your contractor to furnish proof of insurance, with their agents contact information to verify the insurance is active. A reputable contractor will welcome your due diligence, and you will have peace of mind. Have any questions on this topic? Call us at 847.307.6100, and any of our Plexus Private Client Solutions team members will be happy to help.

Florida: the king of uninsured motorists

Ah, Florida. Sunshine. Beaches. And, unfortunately, a higher percentage of uninsured drivers than the rest of the country, according to the most recent available data from the Insurance Research Council (via the Insurance Information Institute). Therefore, there is no guarantee insured Florida drivers are carrying all that much coverage. According to the Insurance Information Institute, Florida drivers are only required to carry $10,000 in liability coverage per person, with a minimum $20,000 per accident in liability insurance. Furthermore, drivers need just $10,000 in property coverage, per state law.

About Plexus Private Client Solutions

The personal insurance practice of national insurance brokerage The Plexus Groupe LLC, Plexus Private Client Solutions delivers a superior client experience and comprehensive personal insurance for successful individuals and families, including auto, home, and umbrella coverage. Our experienced, dedicated team takes a consultative approach to your personal insurance needs, and we transform complexity into simplicity to reduce your exposures and protect your most valued assets. For more information on Plexus Private Client Solutions, contact the firm at 847.307.6100, or reach out via the Web.

A new definition of the joint employment standard: What you need to know

  The National Labor Relations Board (NLRB) voted last August to change its definition of the joint employment standard, a decision that could impact firms who use contractors and other outside labor.  The NLRB, in a 3-2 decision, ruled that a recycling firm and a contractor providing workers for the recycling operation were joint employers of the workers. In its ruling, the NLRB's majority wrote that "(the) right to control, in the common-law sense, is probative of joint-employer status, as is the actual exercise of control, whether direct or indirect.” Of the NLRB ruling, Steptoe & Johnson attorneys Scott Sinder and Kate Jensen wrote: "The practical effect of the Board’s new joint employer standard is that more employers can now be held liable for unfair labor practices under the National Labor Relations Act (“NLRA”). Whereas under the old approach only the supplier firm may have been held liable for labor violations, now the user firm is more likely to be deemed a joint employer and be on the hook as well."

The NLRB’s joint employment standard ruling comes during a boom in the “gig economy,” where many are taking part-time work or stringing together a series of side jobs for a full-time income. According to a 2016 TIME magazine estimate, about 45 million Americans  have “offered some kind of good or service” in this economy.

The joint employment standard decision also appears as companies cope with the Affordable Care Act, with health benefits required for many full-time employees. Viewed through this lens, it’s easy to see why companies might look to hire independent contractors to fill roles that might have gone to full-time employees a generation ago.

For questions on how the NLRB ruling could affect your business, contact a member of your Plexus client service team or reach out to us at 847-307-6100 (Chicago) or 972-770-5010 (Dallas / Oklahoma). You can also contact us via the Web at We’re here to help.