Sep 22

Will Your Business Be an Applicable Large Employer in 2023?

Group health insurance requirements apply differently to applicable large employers (ALEs) than other businesses. Some businesses erroneously believe they are not an ALE only to be surprised when ALE status is levied upon them. Specifically, the Affordable Care Act imposes two requirements upon applicable large employers: shared responsibility... read more →

September 22, 2022
Employee Benefits

Sep 19

How to Find and Keep Good Employees | SESCO Webinar Series

Finding the right person and keeping the right person are related, but still very different matters. This session will address both... read more →

September 19, 2022
Uncategorized

Sep 16

Fallen Trees and Homeowners Insurance – Who Pays What?

Fallen trees and large branches are a common cause of damage to a home and the source of many claims. Wind is not the only culprit, as the weight of snow and ice also... read more →

September 16, 2022
Personal Insurance (Home, Auto)

Sep 08

ACA Increasing Pay or Play Mandate and Penalties in 2023

Certain businesses will need to increase their contribution to employee health insurance in 2023 or face fines of up to $4,320 per year per employee. Under the Affordable care Act (ACA) certain employers must either 1) offer health coverage that is “affordable” to their full-time employees, or 2)... read more →

September 8, 2022
Employee Benefits

Sep 02

Business Theft Insurance | Protection Against Employee Theft

Employee theft is not covered by a standard property insurance policy. Business theft insurance protects against such risks. Theft is a common business loss and can arise from internal and external... read more →

September 2, 2022
Business Insurance

Aug 24

Husband and wife referencing credit report and insurance price quote.

How Credit Reports Affect Insurance Pricing

When applying for home, auto, or any personal insurance coverage, insurance companies review the information submitted to determine the level of risk they may be facing. The higher the risk, the higher the pricing,... read more →

August 24, 2022
Personal Insurance (Home, Auto)

Aug 05

1099 Employees | Transferring Risk Back to Your Subcontractors

Businesses utilize 1099 employees often. We see it frequently with our artisan contractor clients such as carpenters, plumbers, and electricians, but most all businesses will utilize 1099 subcontractors at some time.... read more →

August 5, 2022
Business Insurance

Aug 04

PBMs – The Hidden Middlemen Affecting Your Health Plan’s Cost

The reason your business’s group health insurance rates continue to climb may not be why you think. Although coverage levels and claims history are large variables, many other factors influence pricing.... read more →

August 4, 2022
Employee Benefits

Jul 21

Top Five Reasons an Insurance Company Will Cancel a Homeowners Policy

Make no mistake, insurance companies need clients and don’t want to non-renew or cancel any of them. However they sometimes find it necessary to do so and insurance policies can... read more →

July 21, 2022
Personal Insurance (Home, Auto)

Jul 14

Changing the Mind of an Insurance Company | Insurance Pays

Brown Buildings in Reidsville, NC is a client that delivers storage sheds, and we insure their pickup and trailers used to haul these structures. One specialty trailer was recently in an accident and, although damages to repair it were less than $4,000, the insurance company declared it a... read more →

July 14, 2022
#insurancepays