Whether it’s your first rental or you want a refresher, use this checklist to spot potential red flags before signing a lease on your next apartment. Once you’re in your new place (or even if you decide not to move), dust off your renters policy for a quick once-over, too. Renters Checklist What is the […]

May 10, 2022

General Insurance Services

Apartment Hunters Checklist With Renters Insurance Refresher

Vacant land has become an increasingly appealing investment, particularly in the age of social distancing and skyrocketing home and rent costs. If you’re looking to join the growing ranks of landowners, you should consider insuring your investment. This may sound strange, as there’s nothing that can be damaged or replaced on an empty plot, but […]

May 3, 2022

General Insurance Services

Landowners, Your Vacant Land Is a Liability

Based on weight, trucks move roughly 72.5% of the nation’s freight, much of this locally. These local hauls expose the driver to diverse driving scenarios and a greater array of accident possibilities. Drivers need to navigate small roads on a regular basis and deal with intersections, traffic coming from multiple directions, cyclists, pedestrians and traffic […]

April 18, 2022

General Insurance Services

Local Freight Trucking Has Specific Insurance Needs

Life insurance provides invaluable protection for your family in the event of your death. It ensures the ones you care about can continue to support themselves financially when you are gone. Yet, a recent study by the Life Insurance and Market Research Association reveals more than half of Americans do not have an individual life […]

April 13, 2022

General Insurance Services

Knowing the Difference Between Term and Whole Life Insurance

Any large-scale loss of property is devastating. But if you’ve made an inventory of your personal belongings, it could make the process of recovery and filing an insurance claim much easier.   You Need an Inventory to Make an Insurance Claim To make a claim under your insurance policy, you need to be able to […]

April 7, 2022

General Insurance Services

Don’t Wait Until Disaster Strikes — Create an Inventory of Your Belongings Now

The Occupational Safety and Health Administration (OSHA), an agency of the Department of Labor (DOL), conducts about 73,000 workplace inspections each year. Given that OSHA or its state agencies have jurisdiction over 8 million job sites, the chances of your business being inspected are slim. Still, it’s best to be prepared for an OSHA inspection […]

What to Expect From an OSHA Inspection

April 5, 2022

David Gately

What to Expect From an OSHA Inspection

An estimated 67% of insured workers are covered under a self-funded health plan, according to a 2020 survey by the Kaiser Family Foundation. And that number continues to grow. While large companies were behind the initial uptake of self-funding, companies with as few as 50 to 100 employees are now following suit. Reasons for switching […]

March 30, 2022

General Insurance Services

A Closer Look at Self-Funding Your Health Plan

The first employee assistance programs (EAP) were created in the 1930s to help employees manage their personal challenges and remain productive at work. But while they’re nothing new to the benefits world, EAPs remain a bit of a mystery. These employer-sponsored programs offer valuable resources at no cost to employees and are highly relevant to […]

March 24, 2022

General Insurance Services

Rethink Your EAP to Increase Employee Awareness and Usage

It’s becoming increasingly common for employees to work past 65, when they become eligible for Medicare. Knowing how your health offerings interact with Medicare can benefit you and your employees. Let’s examine how Medicare interacts with: Group health plans Retiree health plans Prescription drug coverage Health savings account (HSA) contributions Group Health Plans The coordination […]

March 21, 2022

General Insurance Services

How Medicare Interacts With Your Health Offerings

Employee benefit plans are coming under greater risk for cyber attacks. Nearly all employee benefit plans contain high account balances and sensitive personal information for both participants and beneficiaries. The following factors contribute to this increasing risk: Benefit plan information is almost always stored electronically Benefit plans generally are not considered by employers when they […]

March 15, 2022

General Insurance Services

Cyber Security and Employee Benefit Plans