June 28th is National Insurance Awareness Day. It is a great reminder to make sure you are adequately protecting your business and your family. With changes in your business, personal life or circumstances around you, your exposures change as well. It’s a good practice to review your various coverages periodically and make necessary adjustments to […]
Being a smart buyer of long-term disability insurance (LTD) for your company is about more than just up-front costs — it’s about providing income refuge for the employee and a compassionate and cost-effective path to separation for the employer while reducing liability. We’ll review key aspects of a well-crafted LTD plan, including getting the injured […]
In my experience, when people are young and single, they tend to make price-based insurance buying decisions rather than focus on the quality of coverage. Thus, they often end up shopping for insurance online, which can get them standard coverage quickly. However, when they start a family, their circumstances become more complex and their priorities […]
Winter has arrived and for most of the country that means the chance of snow, ice and extreme cold. If The Weather Channel is calling for a blizzard or ice storm in your town, we’ve compiled some helpful tips to help keep you safe and warm. Power outages and blocked roads are common occurrences during […]
Most people count on liability insurance to protect their personal assets from third party injury claims. The most common incidences include bodily injury (e.g. slips and falls on your property) and property damage (e.g. backing into someone’s fence). However, there is a less common, but emerging liability, which can have an even more serious impact […]
In a previous blog post, Why Homeowner Rates Vary Greatly? we discussed a number of factors that affect your homeowners insurance premium, but did you know that there are also several incentives that could help you save even more money on your policy? Consider these five savings tips, which will also help protect your home […]
The recent riots and looting across the U.S. raised questions among my clients wondering about their personal safety as well as protection for their companies. The vandalism, theft and curfew caused significant losses to both individuals and businesses. Unfortunately, civil disorder is becoming more common, it seems. We have witnessed many similar events over the […]
Have you ever wondered how your homeowners’ insurance rate is determined? Or why is it possible that your rate can vary so much among carriers when shopping for your policy? There are actually many factors that affect your rate, which I outline below to help you better understand what you can and cannot control to […]
Is your personal information, specifically your Social Security number, safe? Tens of millions of Americans are finding out the hard way that the answer is no. Just recently, two large health insurance providers, Anthem and Premera Blue Cross, have experienced a massive data breach – 13.5 million Anthem clients and employees and 11 million Premera […]
