With forecasters predicting 15 named storms forming in the Atlantic basin between June 1 and Nov. 30, the Institute for Business and Home Safety (IBHS) has listed its top four myths in preparing structures for hurricanes.

Since 2001, the Centers for Medicare and Medicaid Services has been publishing policy memorandums explaining the details of Medicare compliance when settling future medical benefits in a liability, self-insured, no-fault, and workers' comp scenario.

If there is a silver lining for businesses that have shed workers and seen sales drop during the recession, it may be cheaper insurance, but agents and brokers need to be made aware of changes as soon as possible.