Healthcare Provider Update: Healthcare Provider for S&P Global: S&P Global partners with various healthcare insurers to provide its employees with health benefits. As of the most recent information, S&P Global primarily collaborates with Aetna and UnitedHealthcare for its employee health plans. These partnerships facilitate a range of insurance options, including medical, dental, and vision coverage. --- Potential Healthcare Cost Increases in 2026: In 2026, healthcare costs are projected to rise significantly, particularly impacting those enrolled in the Affordable Care Act (ACA) marketplace. With the potential expiration of federal premium subsidies, many policyholders, particularly in states like New York, may see premiums spike by as much as 66%. Analysts predict that without Congressional action, over 22 million individuals could face out-of-pocket premium increases of 75% or more. Insurers are citing higher medical costs, aggressive rate hikes, and diminished federal support as contributing factors to these alarming projections, raising concerns about accessibility and affordability for consumers. Click here to learn more
Are S&P Global employees responsible for the damage caused by a tree on their property that hits their neighbor’s home or other insured structure, such as a garage or shed?
In most cases, the answer is “no.”
When such damage occurs to your neighbor’s home due to forces outside your control (e.g., weather events), your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a fallen down tree caused.
There is one exception, however.
If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.¹
You may want to check your policy or speak to your insurance agent to ascertain if your homeowner's policy covers your liability in cases of negligence.
When Neighbors Sue
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Some neighbors may seek to bring legal action against you, though often that is unnecessary.
For those working at S&P Global, determine what municipal laws are in place to cover such instances. Generally speaking, you are not responsible unless you knew, or should have known, about the danger. Proving what you knew or should have known can be difficult and costly in a court of law. It typically benefits both parties to arrive at a compromise that avoids an expensive legal process.
The information in this material is not intended as legal advice. Please consult legal or insurance professionals for specific information regarding your individual situation.