Small business owners have a lot to think about and take care of. Even though you’re the owner of a business, that doesn’t mean you have all the answers. Have you spoken with your health insurance broker about insurance renewal? Your employees are counting on it and it’s not as hard as it may seem. Why Do It?
Your health insurance coverage won’t just carry from year to year without any effort on your part. Your employees expect that they’ll have the health coverage they need, so it’s important you take care of renewal each year. The following are some reasons it needs to be done. Keeping...
What to do when property is damaged in a car accident and what coverage pays
There are important differences between property protection insurance vs property damage coverage. Your PPI pays when you damage a safely parked car, a tree or a fence in Michigan – regardless of whether you were at-fault. PD pays when you cause an out-of-state crash that damages another person’s vehicle.
What is property damage in car insurance in Michigan?
In Michigan, property damage insurance is the car insurance coverage that drivers are required to carry under the No-Fault law which helps them cover their liability for vehicle damage repair costs resulting from an out-of-state car...
Navigating the complexities of healthcare insurance is challenging enough when everything stays the same. But when your spouse retires and you are self-employed, it...
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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Employers have a vested interest in the overall well-being of their employees. A happy and healthy workforce increases productivity, reduces absenteeism, improves...
Running a small business is no small feat. With limited resources and tight margins, even a minor incident can significantly impact your bottom line....
Specialist investment manager Twelve Capital has said that it anticipates the increased demand for catastrophe bonds to persist and that while market spreads may...
In recent years, Singapore has made significant strides in raising awareness of mental health and reducing stigma around seeking support. With a growing emphasis...
Growing older is inevitable, and the time may come when you need assistance with basic needs and help with tasks such as getting dressed or going to the doctor. If you don't want to be a burden on your...
The COVID-19 vaccines promise to provide significant relief in a world put on hold due to fears of contamination. The pandemic has had a devastating impact on many businesses whose employees now have questions about the vaccines. A health...
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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”...
Whether it’s fixing storm damage, updating a kitchen, or making essential improvements, choosing the right contractor for your home or business is key. But...
Rear-end collisions are among the most common types of car accidents, accounting for roughly 1.7 million incidents in the U.S. annually, according to the National Highway Traffic Safety Administration (NHTSA). These crashes result in billions of dollars in...
Work needs to be done and bills need to be paid. An employee must grapple with the reality of life as soon as they sign the dotted line to work for a company, committing a significant portion of their...
RenaissanceRe, the Bermuda based reinsurance company and third-party capital manager, has returned to the catastrophe bond market seeking $250 million or more in multi-peril retrocessional from a Mona Lisa Re Ltd. (Series 2025-1) issuance, to cover risks in its...
Electric bike insurance, or e-bike insurance, is an insurance policy to protect you and your e-bike in the event of an accident or a covered loss such as theft, vandalism, or damage to the bike itself. E-bikes can vary...
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?...
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...
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...
“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...
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...
Sharing a meal from the grill is a great way to kick off the summer this holiday weekend.
Memorial Day traditionally marks the beginning of summer: time to grill on the patio, take the...
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...
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...
You can control some aspects of your insurance costs. Your independent agent can help.
Much like the price of groceries and gasoline, insurance premiums are increasing. Especially if you haven’t had a claim, you...
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...
Life Insurance for NJ individuals and families can be available in various forms. A good option for homeowners with a mortgage is Term Life Insurance in the form of Mortgage Protection Insurance. This kind of Term Life Insurance helps...
Highlights
PEPY refers to your per-employee-per-year cost, an important employee health benefits plan metric.
Your PEPY presents the cost per employee of your health benefits plan.
Reducing your PEPY with cost-containment strategies lowers overall health insurance costs and saves you money.
With...
Florida workers compensation exemption renewal is crucial for many business owners seeking to manage costs, especially in a state like Florida with its specific rules and regulations. Here’s a quick breakdown for those hurriedly seeking info:Purpose: The exemption allows...
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...
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...
Thanks to the Affordable Care Act plan, which goes more commonly by Obamacare, millions of eligible Americans have the opportunity to shop for health insurance through the Health Insurance Marketplace. During a period known as Open Enrollment, those who...
Many Americans rely on Medicare for their health care costs. Not only that, but changes that occur to the program can have a significant impact on them. Because of this, it can be important to understand things like the...
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With the peak of hurricane season upon us, it is important for businesses to know how to proactively minimize potential loss and maximize loss prevention in the event of a hurricane. Being well prepared is critical to...
QR codes are a powerful tool to enhance customer engagement, improve lead capture, and grow your insurance business. With Agency Height’s Insta Quote tool, you can create custom QR codes linked to personalized lead funnels, making it easier...
Fiscal stimulus remains an upside risk to growth in both Canada and the U.S.. Government bonds remain attractive heading into the second half of the year. Corporate bond holders are not being compensated as much for taking on corporate...
Self-funding is an ideal way for small to midsize businesses to save on health insurance costs. Part of the self-funding puzzle is finding a TPA that will meet your needs and help you enjoy the benefits that self-funded insurance...
