Mar 17
Does your business provide different levels of benefits to different groups of employees? If so, be careful the arrangement cannot be viewed as discriminatory. The Affordable Care Act, along with other federal and state regulations,...
read more → Mar 15
Certain rental car damage expenses are not covered by a personal auto policy. Which ones? More than you may think. This isn’t because personal auto insurance excludes them, but rather rental car agencies often charge expenses that go beyond its scope. For this reason, many rental car agencies...
read more → Mar 10
Insurance companies compete against each other, helping to keep pricing in check. But traditional insurance can still bring with it a frustrating lack of transparency and control over premiums, claims handling, and overall expense. Many...
read more → Feb 24
Homeowners insurance provides broad coverage for the home and its occupants. It protects the house itself, appurtenant structures serving the house, and contents. It provides personal liability as well, one of its most valuable coverages, protecting against responsibility for injuring someone or damaging the property of others, including legal...
read more → Feb 14
For many businesses, workers compensation is a substantial expense. Because insurance companies use claim history to measure risk of future claims, injuries on the job today can affect workers compensation costs in the future. However, by properly managing workers compensation claims, a business can reduce this impact by 70%...
read more → Feb 03
Employees are quitting their jobs in favor of those with better compensation and benefits, better work/life balance, and more meaningful work. The recent pandemic brought many changes to the labor market, and many businesses are in the midst of a labor crisis. According to the U.S. Department...
read more → Jan 27
Insurance coverages offered by Uber, Lyft, DoorDash, Grubhub, or similar businesses leave coverage gaps. If driving for a fee is your side gig, whether delivering passengers or dinners, understand your risks and ensure they are covered. Uber paved the way, forcing insurance companies to deal with what they’d created....
read more → Jan 12
A vehicle used for business purposes is likely not covered on a personal auto policy. For example, a pickup truck used by an electrical contractor for operating their business is not afforded protection under a personal auto policy. Although some personal auto policies may provide limited protection, such...
read more → Dec 22
For the 30th year in a row, the mild-mannered Labrador retriever is the most popular dog in the U.S. A great choice as a pet, this breed is credited for being exceptionally affectionate and good around children as well as other dogs. But no matter what variety your pet...
read more → Dec 10
Claims happen. That is why businesses carry insurance. As much as we emphasize reducing risk to avoid claims altogether, they are a part of operating a business. However, once a claim is filed, the business still influences how it is settled. Active involvement by the business in processing...
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