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Agency Advisor for November/December 2016



With the onset of the gift giving season, there are  some insurance facts you should know.


1) Jewelry, Cameras, Laptops, Musical Instruments, can be listed on your policy to provide maximum coverage.


2) ATVs, Dirt Bikes, Racing Bikes require a separate policy. These are not able to be added to an auto or homeowners policy. 


3) That new car Santa left you in the drive way, be sure it gets added to your policy BEFORE the keys are handed over.


A HUGE thank you to our Individuals and Groups who renewed their Healthcare coverage for January 1st.  Your patience was very much appreciated while we worked to review and explain all the plan changes for 2017.   


Deadlines Extended for Furnishing Forms 1095-B and 1095-C in Early 2017

HR360 Posted on November 18 2016 04:42 PM

Good Faith Penalty Relief Also Extended 

The IRS has extended the due dates for furnishing 2016 Forms 1095-B and 1095-C to covered individuals and full-time employees, respectively, from January 31, 2017, to March 2, 2017. In addition, the IRS is also extending good faith penalty relief to reporting entities who can show they made good faith efforts to comply with the calendar year 2016 information reporting requirements.

Who is Required to Report
Applicable large employers (generally those with 50 or more full-time employees, including full-time equivalents or FTEs) must use Forms 1094-C and 1095-C to report information to the IRS and to their full-time employees about their compliance with the employer shared responsibility provisions (“pay or play”) and the health care coverage they have offered in a calendar year. Alternatively, Forms 1094-B and 1095-B are used by insurers, self-insuring employers, and other parties that provide minimum essential health coverage (regardless of size, except for large self-insuring employers) to report information on this coverage to the IRS and to covered individuals. Employers subject to both reporting provisions (generally self-insured employers with 50 or more full-time employees, including FTEs) will satisfy their reporting obligations using Forms 1094-C and 1095-C.

Note: Reporting entities are required to report in early 2017 for coverage offered (or not offered) in calendar year 2016.

For more information from HR360 visit their website at

Insurance Matters 

Delaware Department of Insurance

Each quarter our insurance department issues a newsletter.  The Fall issue and earlier issues can be viewed by clicking the link below.  These newsletters provide many informative and interesting articles.


Allen Insurance Group

410 Delaware Avenue Wilmington, DE 19801

302-654-8823     800-486-1124

Allen Insurance Group provides coverage for:

Homes, Autos, Life, Health

Business Property, General Liability, Equipment, Business Auto, Workers Compensation

Employee Group Benefits, Health, Dental, Pension, Voluntary Plans

About HBA of Delaware

HBA/DE has been an integral part of the growth and economic development of the State of Delaware since 1947. HBA/DE was founded as a non-profit state affiliate of the National Association of Home Builders (NAHB) representing home builders and other businesses directly related to Delaware's Home Building Industry. Consisting of Builders, Remodelers and a group of diversified associate members, the Home Builders Association of Delaware strives to protect and preserve housing as a symbol of America.


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