All Posts By

Carter Meyer

Oct 09

Wisconsin Malpractice Requirements: What Behavioral Health Leaders Should Know

By Business Insurance
Behavioral health organizations in Wisconsin face a coverage question that many other states do not. Chapter 655 and the Injured Patients and Families Compensation Fund set specific rules for certain health care providers. As clinics add psychiatry, nursing and medical services, those rules can start to apply. Understanding Wisconsin malpractice requirements helps leaders avoid compliance gaps and uncovered claims. How Chapter 655 Works Wisconsin's system pairs primary malpractice insurance with a state fund. Providers subject to Chapter 655 must carry at least $1 million per occurrence and $3 million in annual aggregate coverage. Their primary coverage must be certified to…
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Oct 09

Care Coordination Liability: Managing Risk When Partners Share the Work

By Business Insurance
No behavioral health organization can do everything alone. Community clinics rely on hospitals, primary care providers, schools and specialty partners to deliver complete care. That collaboration is a strength. However, it also blurs the lines of responsibility. When something goes wrong between two organizations, care coordination liability determines who answers for it. Often, the answer surprises leaders. Shared Care Means Shared Exposure The CCBHC model depends on coordination. Clinics may deliver some required services through Designated Collaborating Organizations, known as DCOs. Even so, the CCBHC generally remains responsible for the care its patients receive. In other words, outsourcing a service…
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Oct 09

Crisis Services Liability: Protecting Your Team When Every Minute Counts

By Business Insurance
Crisis work is some of the most important care a behavioral health organization provides. It is also some of the riskiest. Clinicians make fast decisions with limited information, often outside the clinic. When outcomes are tragic, families look for answers, and sometimes they look to the courts. For that reason, crisis services liability belongs at the center of any behavioral health risk conversation. Why Crisis Care Carries Unique Risk Crisis programs serve people at their most vulnerable moments. Many patients present with suicidal thoughts, psychosis or intoxication. Some are unknown to the organization. Others arrive through a hotline, a police…
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Oct 09

CCBHC Professional Liability: Why Complexity Matters More Than the Label

By Business Insurance
Community behavioral health organizations are growing fast. New grants fund new programs, and new programs bring new clinicians, locations and patients. That growth serves the community well. However, it also changes the risks your organization carries every day. For leaders moving toward the Certified Community Behavioral Health Clinic model, CCBHC professional liability deserves a fresh look. A policy written for a small outpatient practice rarely fits a 24/7 clinical platform. What Makes a CCBHC Different The CCBHC model turns behavioral health into a coordinated care system. SAMHSA's framework requires clinics to serve anyone seeking mental health or substance use care.…
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Sep 29

How Mid-Sized Employers Can Lower Renewal Costs Without Cutting Benefits

By Employee Benefits
Renewal notices have been tough this year. Many mid-sized employers opened theirs to find increases that were hard to justify and even harder to budget. If that sounds familiar, you are not alone. Fortunately, there are proven ways to lower renewal costs without taking benefits away from your people. Rising costs are not going away. Mercer projects that employer health benefit costs will climb 8.2% in 2027. Even so, employers have more control than they might think. Over the past several renewal cycles, our team has seen what works for groups with 50 to 200 employees. Here are the strategies…
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Sep 21

Contractual Risk Transfer: Would Your Insurance Program Survive Your Largest Customer Contract?

By Business Insurance
What Big Customers Are Really Asking You to Assume Landing a major retailer, grocery chain, or foodservice account is a milestone worth celebrating. The contract behind that relationship, though, often involves more contractual risk transfer than most processors realize. Indemnification clauses, additional-insured requirements, recall obligations, and chargeback terms can quietly shift substantial risk onto your operation. Few processors compare that language line by line against what their insurance program actually covers. That's exactly where the exposure hides, often for years, until a claim forces the comparison to happen anyway. The Contractual Risk Transfer Gap Hiding in Plain Sight Contractual risk…
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Sep 21

Could You Trace a Contaminated Product in 24 Hours? What the Food Traceability Rule Demands

By Business Insurance
What the Food Traceability Rule Actually Requires The food traceability rule has moved traceability from a best practice to a documented requirement for a wide range of processors. Covered companies must maintain specific records around Critical Tracking Events. Those events span receiving, transformation, and shipping, and the records must be ready to produce quickly when regulators or customers ask. The compliance deadline gets most of the attention. The operational question underneath it matters just as much: if something goes wrong tomorrow, could your team actually answer in time? Most processors assume the answer is yes without ever putting it to…
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Sep 11

Technical Resources Drive Program Efficiency for Construction Firms

By Business Insurance
Running an efficient insurance program takes more than a competitive premium. It takes the right technical resources working behind the scenes: risk engineers, contract review specialists, claims advocates, and compliance experts who understand how construction operations actually work. Without that support, even a well-priced program can become inefficient. Slow claims resolutions, contract gaps, and compliance issues can surface at the worst possible time. Technical resources exist to close those gaps and protect program efficiency across the entire risk program. What Technical Resources Include For a construction firm, technical resources typically span several specialties. Risk engineers evaluate jobsite conditions, equipment use,…
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Sep 11

How Safety Support Programs Lower Cost for Construction Firms

By Business Insurance
Construction remains one of the most hazardous industries in the country, and every incident carries a cost far beyond the immediate injury. There are claims costs, experience modification impacts, project delays, and a harder-to-measure toll on crew morale. Safety support programs exist to get ahead of all of it. Rather than treating safety as a once-a-year training checkbox, a real safety support program embeds ongoing expertise into a contractor's operations. That shift is what ultimately drives lower cost. What Safety Support Programs Actually Look Like A strong safety support program goes well beyond a binder of policies. It typically includes…
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Sep 11

Alternative Funding Gives Contractors More Control Over Insurance Costs

By Business Insurance
Every construction executive knows the frustration of a guaranteed-cost insurance program. You pay a fixed premium every year. Your safety record improves and your claims stay low, yet your rate barely moves. Alternative funding changes that equation. Instead of handing premium dollars to a carrier and hoping for the best, alternative funding rewards performance directly. The firm itself gets real input into how claims and reserves are managed. For many contractors, the most practical entry point into alternative funding is a group captive program. A group captive pools a select group of well-run, safety-focused construction companies to share risk and…
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