Choosing an insurance plan can be difficult, especially if you don't understand the differences between them. This guide will teach you everything you need to know about HMO, PPO and EPO plans, allowing you to make an informed decision about which individual health insurance plan best fits your needs. Health Maintenance Organization (HMO)
An HMO plan is one of the most affordable types of health insurance, making it a great option if you're on a tight budget. In this plan, you'll be required to choose doctors within the network. Once you pick a primary care physician, who you'll see for regular checkups, he or she will...
A side business is a great way to make extra money or pursue your passion before building it into a full-time career. If you are considering starting a side business or are already successful in an endeavor, it is essential to consider your insurance coverage. Depending on your product or service, you may need various types of coverage. Here are some pointers to protect yourself from losses associated with your side business.
Do Your Research
When you start providing products or services from home, you may be dealing with more risk than what is covered by your personal insurance. To see what type of insurance you will need...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
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The world of life insurance is an ever-evolving landscape, and as a result, new products and strategies continue...
Highlighting the still wide-range of uncertainty in insurance market loss estimates after hurricane Milton, catastrophe bond investment manager Icosa Investments AG has noted that...
Deductibles in health insurance are a set amount you’ll have to pay for healthcare annually before your insurer begins paying for your healthcare expenses....
When it comes to homeowners insurance, not all policies are created equal. And that’s important to remember when it comes to protecting what could very well be yourbiggest asset.
Check out the list below, which shows some major “must haves”...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
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KatRisk, the catastrophe risk modelling software provider and the third-party risk modelling agency for the NFIP’s FloodSmart Re catastrophe bonds, has been acquired by...
More than $112 billion was lost to retail shrinkage in a recent year, according to the National Retail Federation (NRF). Retail loss, or “shrinkage”...
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}Streets and roads are not the exclusive domain of motor vehicles. In some areas, it...
Life Insurance Corporation of India regularly adds more services to its online portal, which are more useful and now very important for the policyholders as they cannot move freely during this pandemic.From 01/07/2020, Life Insurance Corporation of India has...
Starting a business is an exciting venture, but it comes with risks. From property damage to lawsuits, unforeseen circumstances can threaten the stability of your enterprise. This is where business insurance can play a crucial role. The appropriate insurance...
The “Magnificent 7” refers to a group of leading tech companies — including Apple, Microsoft, Amazon, Alphabet (Google), Meta (Facebook), Tesla, and Nvidia — that have shown exceptional growth and market performance. While...
Virtual home inspections, necessary during the pandemic, remain popular because of convenience.
When you buy home insurance, the amount of coverage you purchase should be the amount that it would cost to rebuild...
Be proactive about preparing for the danger of wildfires.
Even if you’ve taken precautions to make your home or business resistant to wildfire, take time each year to review your preparations.
Let’s discuss the why,...
Virtual reality, or VR for short, may have some limited applications outside of video games and entertainment, but major US insurer Allstate Insurance Company believes there is potential in the technology for use in the insurance industry. Last week...
Yes, eating well without breaking the bank is possible. Here’s how to do itby Virginia Anderson October 25, 2023 | Wellness
A trip to the grocery store probably feels a little different today than it did a few years...
Last Updated on April 6, 2022 by adminIn response to the Covid-19 pandemic, the hospitality and tourism industry have pulled together to produce protocols across all sectors, including specific Covid-19 Holiday Let Cleaning Guidance for self-catering properties. The Covid-19...
Last Updated on June 11, 2024 by adminFull length, written fire risk assessments, covering all aspects of fire safety, have become a legal requirement for properties offering sleeping accommodation to paying guests from the 1st October 2023. This means...
“The boat is safer anchored at the port, but that is not the aim of boats.”― Paulo Coelho, The Pilgrimage
Did you know that you are not required to have boat insurance to operate a vessel on the water in...
Last Updated on March 17, 2021 by adminTemporarily Closed Holiday Letting Properties – Updated 17th March 2021We appreciate the significant impact that government measures to control the spread of the coronavirus is having on all businesses, not least self-catering...
If you are able, take photos to document circumstances of the accident.
Your first instinct after a car accident may be to call for help. Do you have a plan for what comes next?...
Life insurance can be a valuable part of your business plans.
We recognize and expect changes in the economy, but the uncertainty of those changes calls us to be vigilant in our business continuation...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
We exchange gifts with our loved ones, colleagues, and associates during the holiday season. It’s often a fun and joyous time, but sometimes, despite careful selection and preparation, the bought gifts cannot and do not delight recipients. We sometimes...
Have you ever experienced the anxiety that comes from having your personal information compromised? Identity theft is a growing concern in today’s digital age, and it can be frightening to think that someone may be using your name, social...
Life Insurance Corporation of India regularly adds more services to its online portal, which are more useful and now very important for the policyholders as they cannot move freely during this pandemic.From 01/07/2020, Life Insurance Corporation of India has...
Highlights
Cost containment in healthcare is a significant concern for small and midsized companies.
Many SMBs are discovering the advantages of transitioning from a fully funded to a self-funded insurance plan.
Self-insured (or self-funded) insurance provides financial control, data transparency, flexible plan...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
More than likely, if you are working with a health insurance broker, you have heard that the tenth annual enrollment period for the ACA is coming up. The enrollment period runs from November 1st to January 15th in the...
Specialist investment manager Twelve Capital has said that it anticipates the increased demand for catastrophe bonds to persist and that while market spreads may compress somewhat, they are expected to remain elevated by historical standards.Commenting on the 2024 Atlantic...
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Chad Duke, Vice President/Risk Advisor, and Pim Jager, Vice President/Benefits Consultant, were recently featured on the ESOP Podcast discussing captive insurance and Scott Insurance’s collaboration with the National Center for Employee Ownership (NCEO) to create two new...
Monetary policy, global growth, politics and innovation have dominated headlines in 2024, and we expect these broad themes to continue to have an impact on markets as we head into the second half of the year.
Monetary policy & global...
Florida workers compensation waiver is a key term for business owners navigating the complexities of insurance law in the Sunshine State. Understanding whether you qualify for an exemption from providing workers’ compensation can be crucial. Here’s a quick overview...