Have you ever received a surprise medical bill from a provider you did not designate? This often occurs when consumers seek care at an in-network hospital only to later find out that not all providers within that hospital share in the same network agreement. According to a study from Peterson-KFF, this occurs in about 1 […]

Employment-related lawsuits are on the rise and are a growing concern for employers of all sizes, including smaller home-based businesses. In fact, it’s been reported that 1 in 5 cases in civil courts is an employment-related lawsuit. Claims such as discrimination, wrongful termination, and harassment are among the most costly and time-consuming issues an employer […]

Warm summer weather may seem far away right now; however, spring is fast approaching, and it is time to start thinking about heading outdoors. It is never too late to start home maintenance to keep you and your family safe. Here are a few safety tips you will want to be sure are in place. […]

Wildlife is a pleasure to experience — but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating (and potentially expensive). Most homeowners insurance expressly excludes damage from: Birds Rodents Insects Even if your problem doesn’t fit into […]

Safety challenges and the potential for substantial financial loss are increasing for service stations and auto repair shops. The escalating cost of used cars and the risks associated with repairing ever more popular electric vehicles are major concerns garages face. Your auto repair shop insurance requirements are unique, and your insurance professional should be well […]

From snowstorms to tornados, hurricanes or fires – even a downed tree or maintenance that lasts longer than you expected – an extended home power outage can put you and your family in harm’s way. Getting through a long power outage is a challenge, but with a little preparation, you can increase your chances of […]

Your home is your sanctuary, a place to recharge. But you need a multitude of appliances working hard to preserve that haven: When they break down, it’s chaos. And it’s not just the things in your home you need to worry about. If a severe storm knocks out your power, for example, the electrical surge can cause […]

Americans spend more than $300 billion on prescription drugs each year. Most people rely on their employer plan to help cover these costs. If you are nearing age 65, it’s not that simple. Whether you are getting ready to retire or still working, it’s important to begin thinking about Medicare. Enrollment is not mandatory, but […]

When operating a grocery store, you provide crucial sustenance to your community, so staying operational and standing by your service and products are your top priorities. This means caring for your workers as well as your patrons, but it also includes having the financial support to get back on your feet should a disaster strike. […]

If you lost all of your personal belongings in a fire or another catastrophe, you likely wouldn’t be able to recall all of your possessions from memory alone. That’s why a home inventory is important. You can test that assumption by closing your eyes right now and listing all your valuable belongings in each room […]