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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

There are several essential and specialized insurance coverages that every brewery should be familiar with. Your insurance professional can help you with further details on pricing and availability, but the following should give you a solid overview for consideration. Business Property Insurance Also called commercial property insurance, this type of policy protects against losses to […]

Many businesses are born from a single brilliant idea. As that idea is put into motion, a company grows — and in some situations that growth is rapid. Along with this expansion, however, comes the reality of risk. There are approximately 30 million small businesses in the United States, according to the Small Business Administration. […]