Health insurance can be a confusing topic, especially when you are self-employed. If you are self-employed and considering hiring employees, it can become even more confusing. As a business owner, you have to follow the guidelines of the Affordable Care Act in regards to health insurance, but do you really need to provide your employees with coverage? If you are self-employed and hiring employees, here is what you need to know about coverage under the Affordable Care Act. Requirements for Providing Coverage
Simply put, under the Affordable Care Act, you do not need to offer health insurance benefits unless you are hiring at least 50 full-time...
Paul Holba, Senior Vice-President and CIO of Empire Life Investments Inc. discusses some of the key themes the investment team will monitor as we head into the second half of 2024.
https://www.youtube.com/watch?v=A5AamwwfkbY
Hello, I'm Paul Holba, Senior Vice-President and Chief Investment Officer at Empire Life Investments Inc. As we head into the second half of 2024, I would like to update you on some of the key themes and events that our investment team continue to monitor.
Theme #1: Inflation, unemployment and growth continue to drive monetary policy
Headline inflation has cooled, however core inflation remains stuck above the 2% target set by central banks in most developed economies....
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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FEMA has introduced the largest reform to the National Flood Insurance Program (NFIP) rating system since its inception in 1968. The NFIP...
The CCRIF SPC (formerly known as the Caribbean Catastrophe Risk Insurance Facility) has paid the Government of Panama US $26.7 million after the countries...
At the January 2025 reinsurance renewals, rating agency AM Best is anticipating that property and catastrophe reinsurance rates will remain relatively stable and that...
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On June 17, 2021, the U.S. Supreme Court rejected a lawsuit challenging the constitutionality of the Affordable Care Act’s (ACA) individual mandate...
Ah, life insurance. A pillar of financial security, a safety net for loved ones, and… a potential tax tango? While the primary purpose of life insurance isn’t to enrich Uncle Sam, there are indeed scenarios where this financial instrument...
In today’s world, home security has become a top priority for homeowners looking to protect their property and loved ones. With burglaries and home invasions a constant concern, investing in a reliable home security system can provide invaluable peace...
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Artemis can report that GAREAT, the French co-reinsurance pool for terrorism insurance risks, has successfully secured the targeted €100 million of terrorism reinsurance from...
While many businesses and individuals have been impacted due to the required measures taken slow the progression of the COVID-19, small businesses are facing...
The telematics car insurance discount will result in modest short-term savings. But giving your insurance company access to information about your driving and driving behaviors, it can also cause your insurance premiums to go up. It can also result in...
When it comes to motorcycle safety, attention to detail is critical.According to the National Highway Traffic Safety Administration (NHTSA), motorcyclists face significantly higher risks in comparison to passengers in other vehicles. For every mile traveled,...
"Everything we're about here at CH rests on Four Cornerstones," says Joe Convertino Jr., President of CH Insurance. "Clients and Carrier Partners can always rest easy knowing we're in their corner. And these four cornerstones are the foundation for...
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...
Last Updated on January 17, 2022 by adminGenuine small holiday letting businesses in England to be protected by closure of second home tax loopholeOwners of second homes in England who abuse a tax loophole by claiming their often-empty properties...
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...
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...
Last Updated on July 31, 2024 by adminDid you know that Boshers Insurance do more than provide high-quality insurance for Holiday Home owners? We also support The 2 Minute Foundation, a charity whose vision is to clean up the...
Last Updated on July 2, 2024 by adminA review into the effect of short-term holiday lets aims at improving the holiday letting market for those living in popular tourism destinations.Call for evidence aims to understand impact of increase in...
Last Updated on November 19, 2021 by adminBoshers has donated its £3,750 grant from Ecclesiastical Insurance to The 2 Minute Foundation. The funding will help achieve their aims to see a world without plastic litter and pollution and to...
Whether you’re planning an international vacation or taking the kids to see their grandparents, here’s how to book the best possible tripby Nicole Dieker October 30, 2023 | Money
The holidays are nearly upon us, which means it might...
Hurricanes can be among nature’s most destructive events.
Atlantic hurricane season runs from June 1 to November 30, though storms can take place outside of those dates. Take steps to minimize damage and speed...
“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...
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...
Managing your prescription drug costs is an essential part of your healthcare plan, and Medicare Part D can help with that. However, navigating the details of Part D coverage can be confusing, especially with the changes happening in 2025....
We often set goals and resolutions to improve our lives as we approach the start of a new year. One goal that many people overlook is creating a living will. A living will, also known as an advance directive,...
Buying is changing.
If we examine what is happening in retail, we can get a glimpse of what customers will be wanting in insurance. Coming to big box stores or a grocery store near you — pick up your item, scan...
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Car insurance is a necessity for every driver, as it provides financial protection in case of accidents, theft,...
Spring/2023
Final expense insurance, also known as burial insurance, is a type of insurance policy designed to cover the costs associated with a person’s funeral and burial expenses.
This type of insurance is typically purchased by older adults who want to...
Home » Accident & Health Insurance – Do You Need One Or Both?
It’s hard to know what you’re going to need in this life to mitigate the risk (like accident and health insurance) and know that no matter what...
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...
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...
Everyone should have
individual health insurance. The benefits of having a policy outweigh the costs. However, it is not always clear how paying monthly premiums is a benefit, which is why you should talk to a licensed health insurance...
Employers looking to support their staff amidst mental health challenges will be able to use a set of guidelines from the Workplace Safety and Health (WSH) Council, which will be launched in the first quarter of 2025. The guidelines...
When insuring your vehicles, the search for the best car insurance in Utah isn’t just about finding the lowest price. While affordability is important, other critical factors can make a world of difference in the quality of coverage and...
Builders Liability Insurance Cost: Top 5 Vital Tips 2024
Builders liability insurance cost is a key consideration for anyone starting on a construction project in Florida. Whether you’re building a new property from scratch, remodeling an existing structure, or installing...
Does a general contractor need professional liability insurance? The short answer is yes, especially in Florida. While many contractors are covered by General Liability and Workers Compensation insurance, these do not encompass professional errors or design liabilities. This gap...
