Monday, March 17, 2025

What is Business Insurance?...

Selecting the most appropriate business insurance policy for your business means taking a...

October is National Dental...

October is National Dental Hygiene Month. This month is dedicated to raising awareness...

What You Need to...

With the arrival of early spring, hail season is upon us, bringing the...

Prepare your property for wildfire, then review plans...

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, the what and the how of wildfire preparation for homeowners and business owners. Find additional tips on our Wildfires page. THE WHY – THE IMPORTANCE OF PREPARATION Do it before the “crazy” time hits. Making preparations in advance can minimize the pressure during an event. When the wildfire is on its way, it is too late. Don’t fear the unknown – embrace it and prepare for it. THE WHAT – BE PROACTIVE Develop...

No-Fault Fraud: What You Need To Know

No longer can auto insurance companies use overly broad No-Fault fraud clauses in their policies to take away all of your legally-guaranteed Michigan auto insurance benefits after a car accident just by claiming you’ve made a mistake in your claims forms, an inaccurate statement in the past, or because of what a some private eye they hired claims they saw you do. A Michigan Court of Appeals ruling – which applied a landmark decision by the Michigan Supreme Court – put an end to this. Until now, insurance companies have been exploiting overly broad anti-fraud provisions in policies to deny an ever escalating number of claims for...

The Kovacic Family’s Real Life Disability Insurance Story

#top .av-special-heading.av-leesdcbl-777f18c288d5f3e4121db230e62a87c3{ padding-bottom:10px; } body .av-special-heading.av-leesdcbl-777f18c288d5f3e4121db230e62a87c3 .av-special-heading-tag .heading-char{ font-size:25px; } .av-special-heading.av-leesdcbl-777f18c288d5f3e4121db230e62a87c3 .av-subheading{ font-size:15px; } The Kovacic Family’s Real Life Disability Insurance Story .av_font_icon.av-l7rpfend-bb6a22faf5b31cac1743225a6b2317b0{ color:#7bb0e7; border-color:#7bb0e7; } .av_font_icon.av-l7rpfend-bb6a22faf5b31cac1743225a6b2317b0 .av-icon-char{ font-size:40px; line-height:40px; width:40px; } Download the PDF #top .hr.hr-invisible.av-l7rphkwh-c49588703001ad7344d17778a36b459a{ height:40px; } .avia-image-container.av-l7rpb0ad-b411d560ad77f635b80d82f56c21bcbf img.avia_image{ box-shadow:none; } .avia-image-container.av-l7rpb0ad-b411d560ad77f635b80d82f56c21bcbf .av-image-caption-overlay-center{ color:#ffffff; } The post The Kovacic Family’s Real...

Navigating Group Health Insurance Policies

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 financial regulator continues to promote Hong Kong for catastrophe bonds

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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Sump Pump Maintenance: Keeping Your System Ready for Action

Sump pumps are often out of sight and out of mind, quietly waiting to do their job when needed. This essential appliance is designed...

White Mountains capitalised Bermuda collateralized reinsurer to support MGA Bamboo

Earlier this year, White Mountains committed up to $30 million in capital for a Bermuda-based collateralized reinsurance structure that provides sidecar-like support to its...

Allstate targets $350m multi-peril reinsurance with Sanders Re II 2024-3 cat bond

US primary insurer Allstate is back in the catastrophe bond market and seeking $350 million or more in multi-peril catastrophe reinsurance protection from the...

LIHTC Recapture Bonds for Affordable Housing

Save as PDF There are many different uses for surety bonds in the Affordable Housing industry. In our surety practice, we work frequently with contractors...

RenaissanceRe third-party capital hits $7.72bn after Q3, up almost $1bn YoY

RenaissanceRe, the Bermudian global reinsurer, has lifted its third-party investor capital under management in reinsurance joint-ventures and insurance-linked securities (ILS) funds managed by RenRe’s...

A Guide to the 2023 Medicare Annual Election Period

For many people, the idea of enrolling in an annual Medicare plan evokes frustration and headaches. Finding the perfect plan can be difficult, and the process of enrolling may seem overwhelming. To make matters worse, each annual election usually...

Your Guide to Understanding How Open Enrollment Years Work

Health insurance is a notoriously complicated subject in the United States. Whether you're purchasing it for the first time or switching plans, keeping track of the Open Enrollment Period is critical. Here are the answers to your top questions...

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Florida Workers Compensation Waiver: Top Guide 2024

Florida workers compensation waiver is a key term for business owners navigating the complexities of insurance law in the Sunshine State. Understanding whether you...

Allstate targets $350m multi-peril reinsurance with Sanders Re II 2024-3 cat bond

US primary insurer Allstate is back in the catastrophe bond market and seeking $350 million or more in multi-peril catastrophe reinsurance protection from the...

Telematics Car Insurance Discount: Is It Worth It?

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...

Snowbirds: How to Winterize Your Home While You’re Away

If you are a snowbird that heads south for the winter, there are several key things you can do to help winterize your vacant...

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How Does a Health Insurance Broker Get Paid?

A strong benefits package is critical to your company's ability to thrive in the market. When you hire a health insurance broker, you are...

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A Homeowners Guide to Replacement Cost and Market Value

  If a disaster strikes and your home is damaged or destroyed, do you know what it would cost to restore your home to the condition it was in before the disaster? Let’s discuss the replacement cost of your home...

Annual Travel Insurance: Affording Constant Jetsetters With Continuous Protection

“This post may contain affiliate links, if you click a link we may earn a commission if you purchase from that merchant.” Traveling can be an exciting and enriching experience, but it also comes with its fair share of risks....

Key Insights for Employers in 2025

In the United States, health care costs affect both employers and employees, and the costs have projections to jump by the fastest rate in 15 years. The Business Group on Health estimates the costs will jump by 8% in...

The Tax Tango-Can Life Insurance be Taxed?: A Policyholder’s Guide

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...

Learn about insurance so you can choose like a pro

Just as you would before any important purchase, do some research before buying insurance.   Many people research expensive purchases like homes, cars, or gadgets to make sure they get the best value for their...

Healthy Eating Tips on a Budget

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...

Help your insurance agent help you

Your agent is best positioned to advise you when they have all the facts.   Your local independent insurance agent is prepared to create a personalized coverage plan tailored to meet your and your family’s...

Insurance That Gives Back

Last Updated on July 4, 2024 by adminBoshers Insurance is headed by Jason Jackson, who has worked in the insurance industry for 36 years. Jason is an avid history fan and enjoys travelling both abroad and within the UK....

Pandemic put spotlight on virtual home inspections

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...

How to leave a legacy

You don’t need to be a millionaire to leave a meaningful legacy to your loved ones. Here, how to begin thinking of your legacy, and how to begin building it now, in both monetary and value-based waysby Anna Davies...

Covid-19 Holiday Let Cleaning Guidance

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...

COVID-19 Unoccupied Holiday Homes

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...

Boshers secures funding towards #2minutebeachclean `go-to’ litter pick app

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...

Government shuts the door on second home tax loophole

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...

Navigating Group Health Insurance Policies

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 financial regulator continues to promote Hong Kong for catastrophe bonds

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...

6 Tailgating Safety Tips for Your Pre-Game Fun

Nothing says fall fun like a few hours at the stadium of your favorite sports team enjoying a pre-game tailgate party. It’s a tradition as old as football itself and one that’s grown in popularity over the years. Following...

How Does a Medicare Advantage Plan Work?

If you’re approaching age 65 or your Indicial Election Enrollment Period or just starting to explore your Medicare options, you’ve likely come across the term “Medicare Advantage.” Also known as Medicare Part C, Medicare Advantage plans are an addition to Original Medicare (Parts...

Intelligent Insurance Risk Management Can Enhance Profits

“How did we get to this point?” It’s a question that we read and hear all the time, and certainly, most of us have asked it at some time in the last three years. How did it come to...

How to Prioritize Employees’ Healthcare Needs with Self-Funding

Highlights  Small to midsize companies are focusing on new employer healthcare priorities, including affordability, behavioral health access, and inclusive benefits for their employees. Employers are taking steps to offer low or no copays for health insurance plans and increase mental health...

Old National Bank Physician Mortgage

  What is Old National Bank? Old National Bank, formally known as Old National Bancorp, is headquartered in Evansville, Indiana. Established in 1834 and initially...

Specialty Car Of the Week – 1998 Convertible Corvette

img#bf_image-6710ad7753443 { width: 640px; }@media screen and (max-width: 768px) { img#bf_image-6710ad7753443 { width: 100vw; } }This week's featured customer car is a little red Corvette.  This 1998 convertible Corvette is a beautiful example of America's modern muscle car.  McElhinny Insurance Agency insures all types of...

Navigating Group Health Insurance Policies

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 financial regulator continues to promote Hong Kong for catastrophe bonds

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...

Understand the No Surprises Act’s Impact on Medical Bills

According to the American Medical Association, people in the U.S. spend more than $4 trillion on healthcare services annually. This figure may sound exaggerated, but if you’ve sought out medical treatment recently, you know just how costly healthcare can...

California’s Mission To Prove The Affordable Care Act Is Alive and Well

With the Affordable Care Act's fate hanging in the balance, California makes a convincing case for its continuation. Covered California, the state's online insurance exchange, has announced premium increases of only 0.6 percent, a record low for the second...

Affordable Housing’s Pull Cord Problem and the Unintended Insurance Ramifications

Save as PDF The affordable housing community, specifically HUD Section 202 for elderly housing, is experiencing an avoidable crisis. This crisis originates from the expanded scope of service and responsibility placed upon affordable housing organizations by the U.S. Department of...

2021 Mid-Market Employee Benefits Benchmarking Survey Results

Save as PDF In today’s volatile and extremely competitive talent market, it is important to make sure your employee benefits offerings are an asset to your organization – helping you attract and retain employees.  According to Microsoft’s 2021 Work Trend...

July is UV Safety Awareness Month

July is UV Safety Awareness Month. As we bask in the warmth of the summer sun, it's crucial to remember the potential dangers that come with excessive exposure to UV rays. While the sunshine brings us joy and vitamin...

How Captive Insurance Empowers CFOs To Take Charge of Healthcare Costs

Highlights   Manage rising healthcare costs with control and healthcare cost transparency. Captive insurance empowers CFOs to take charge of healthcare cost containment with control, flexibility, and transparency. Customize health plans for specific employee needs. Group captives offer the ability to customize...

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