In recognition of Fire Prevention Week this October, we are reminding families to take the necessary fire safety precautions to prevent a house fire this year. According to the US Fire Administration (USFA), fire claims the lives of 3,275 Americans and injures well over 15,575 each year. Common Fire Starters & Fireproofing Your Home In […]

With the current labor shortage, contractors and contracting companies are backlogged. Homeowners with plumbing, electrical, and construction needs are being told it will take months to get a someone in. Because of this, many homeowners have turned to social media to recruit a skilled laborer. Hopefully one who can perform the work sooner than those companies already contacted. However, […]

  As many of you know, there is currently a labor shortage following the COVID-19 pandemic. This has affected every industry, and our insureds are each managing it in their own way. One of the common actions we’ve seen our clients take is to hire a more youthful workforce between the ages of 12 and […]

  Are you a member of the Valparaiso, Michigan City, or Crossroads Chambers of Commerce? Are you looking to support your company and your community with a benefits plan that is built just for them? Then look no further than the UnitedHealthcare (UHC) Community Chamber plan. The UHC Community Chamber plan is a level-funded program […]

As we approach Medicare’s Annual Enrollment Period — which will take place October 15th through December 7th — we would like to encourage you to review your current coverage.  Although you may feel that your healthcare situation has not changed significantly and that your existing policy should remain in effect, it is important to sit down with your […]

Today’s article about ransomware is brought to you by guest blogger, Scott Templin, Cyber Risk Advisor with Lachesis, LLC. There is no escaping. You cannot turn on the news or open your phone these days without hearing about another cyber attack. From meat suppliers to pipelines, our nation’s resources are being threatened at unprecedented levels, […]

Non-profit organizations are legal entities that aim to provide social benefits in some form. As a non-profit organization, you must be separate from the government and should not generate profits that provide personal benefit to any of the organization’s directors, officers, or other members. Because you provide benefits to society, nonprofit organizations are often considered […]

In a self-funded group health plan, you as the employer eliminate obligations to an insurance carrier by assuming the risk of providing financial health care benefits to your employees yourself. This is an ideal setup for business managers who are willing to assume more risk to hopefully see a higher payoff at the end of […]

Our business clients often ask us what the difference is between general liability and professional liability insurance. This is an important question because each policy provides different coverage and you need to know which one—if not both—is applicable to your business. By understanding the differences, you can ensure you are managing the appropriate risks for […]

Medicare is a federal program that provides Medicare Part A Hospital Insurance and Medicare Part B Medical Insurance to individuals who are 65 or older, under 65 with a qualifying disability, and any age with end-stage renal disease or ALS. Recently, our GIS team has noticed an increase in the number of fraudulent calls we’re […]