Saturday, March 15, 2025

Top 4 Fall Driving...

The start of fall brings a lot of welcome things: a new school...

Snowbirds: How to Winterize...

If you are a snowbird that heads south for the winter, there are...

Understanding How Herd Immunity...

People around the world are still contracting the coronavirus, with much more concerned...

Ready to Grow? 8...

QR codes are a powerful tool to enhance customer engagement, improve lead...

Insurance for your Hybrid Car

 Insurance for your Hybrid Car Drivers of hybrid cars, such as the Toyota Prius, Honda Insight or Lexus GS450h, are frequently penalised by mainstream insurance companies because the insurers often don't know what to make of the new technologies. They assume that the advanced components will be easily damaged and cost more to fix and so they set the premiums high. And because many committed supporters of hybrid cars have imported their vehicles from the more mature hybrid vehicle markets in Japan or America, they may not even be able to offer insurance cover at all. Here at Adrian Flux, though, we take a different approach. We know that...

Learn about insurance so you can choose like...

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 money. Equally important is understanding what you’re getting when you purchase insurance. Independent insurance agents are professionals who understand the purpose of insurance is to decrease financial uncertainty and make an accidental loss manageable. Insurance accepts payment to cover losses and promises to pay if an insured loss happens. When looking for insurance, knowing these facts will help you feel confident and make informed decisions like a professional. Not all...

The Virgen Family’s Real Life Disability Insurance Story

#top .av-special-heading.av-m1gw79xq-a3c653dc50f1f1b54e7d6861cc87413d{ padding-bottom:10px; } body .av-special-heading.av-m1gw79xq-a3c653dc50f1f1b54e7d6861cc87413d .av-special-heading-tag .heading-char{ font-size:25px; } .av-special-heading.av-m1gw79xq-a3c653dc50f1f1b54e7d6861cc87413d .av-subheading{ font-size:15px; } The Virgen Family’s Real Life Disability Insurance Story .av_font_icon.av-l7rpfend-5a44124eb361e4db35452f46a075db10{ color:#7bb0e7; border-color:#7bb0e7; } .av_font_icon.av-l7rpfend-5a44124eb361e4db35452f46a075db10 .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-dfc1e558e52db4b0b7eaa398998eeb3c img.avia_image{ box-shadow:none; } .avia-image-container.av-l7rpb0ad-dfc1e558e52db4b0b7eaa398998eeb3c .av-image-caption-overlay-center{ color:#ffffff; } #top .av-special-heading.av-av_heading-ab2aba26b813680f65c2b71dc0c00fc6{ padding-bottom:10px; } body .av-special-heading.av-av_heading-ab2aba26b813680f65c2b71dc0c00fc6 .av-special-heading-tag .heading-char{ font-size:25px; } .av-special-heading.av-av_heading-ab2aba26b813680f65c2b71dc0c00fc6 .av-subheading{ font-size:15px; } Hello #top...

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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Captive Insurance for ESOP Companies

Save as PDF Chad Duke, Vice President/Risk Advisor, and Pim Jager, Vice President/Benefits Consultant, were recently featured on the ESOP Podcast discussing captive insurance and...

Flood Policy Changes That Will Impact the Affordable Housing Industry

Save as PDF FEMA has introduced the largest reform to the National Flood Insurance Program (NFIP) rating system since its inception in 1968. The NFIP...

CDC Announces Shorter Quarantine Guidelines After a COVID-19 Exposure

Save as PDF Edit 12/4/20: Please note that the CDC update indicates that local public health authorities make the final decisions about how long quarantine...

Allstate reports $1.7bn Q3 catastrophe losses, $630m from hurricane Helene

US primary insurer Allstate has reported that its pre-tax catastrophe losses for the third-quarter of 2024 reached $1.7 billion, with $630 million of that...

How Insurance Carriers Use Crime Scores to Assess Risk in the Affordable Housing Industry

Save as PDF Many insurance carriers use third-party crime scores to evaluate their exposure to criminal risk when underwriting general liability insurance policies. At worst,...

Figuring Out What Percentage of Employee Premiums To Cover

Employees love quality health insurance coverage since it offers protection and peace of mind. It is also a benefit for employers, as it helps them recruit top-tier talent and boost productivity. Healthier employees make good business sense all around....

ACA Health Insurance Family Glitch Addressed

The intention of the Affordable Care Act was to increase the affordability of health care and reduce the number of people who had no health care coverage due to cost. Like all large pieces of legislation, however, the ACA...

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Empire Life Blog How Might U.S. Elections and Fed Rate Cut Influence Markets?

This past week has been marked by significant developments in the United States, highlighted by President Donald Trump's conclusive electoral triumph, along with a...

Supplies to Have on Hand for a Power Outage

Power outages can be extremely inconvenient and at times scary. Keeping on top of a simple stockpile can help make all the difference when...

Advice for Young People on Motor Insurance

Starting out on your car driving journey can be a challenge if you’re not fully prepared. Typically, people view those aged 25 and under...

Is Commercial Auto Insurance Required for All Businesses?

Insurance is one of the most important investments you can make to protect your business financially. However, not all business owners know whether they...

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Top 4 Fall Driving Hazards (And How to Handle Them)

The start of fall brings a lot of welcome things: a new school year, cooler temps and changing leaves. You...

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ERISA Lawsuit Alleges Mismanagement of Prescription Drug Benefits

Save as PDF A recently filed lawsuit against Johnson and Johnson (J&J) alleges that the company breached its fiduciary duties under ERISA by mismanaging its prescription drug benefits plan and failing to act prudently in several areas. Prudence focuses on...

Top Business Insurance Coverages | Amco Auto Insurance

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...

Fire safety regulations for holiday homes in England and Wales

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...

Understanding Electric Car Insurance and Electric Car Acronyms 

With the rise in popularity of electric cars, there’s been a surge of specific terminologies and acronyms, several of which are used to categorize different types of electric vehicles. Terms like BEV, PHEV, E-REV are all similar terms...

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...

The 2 Minute Foundation and Boshers Holiday Home Insurance

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...

Summer! Time for play … and maybe some work, too

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...

Government launches review into short-term tourist accommodation

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...

Get ‘hurricane ready’ before storms threaten home or business

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...

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....

What do the Covid tiers mean for holiday letting in England?

Last Updated on January 11, 2021 by adminNational Lockdown – Stay At HomeOn the 4th January 2021 the Government announced a third lockdown in England to control the rapid increase of coronavirus cases. The devolved administrations in Scotland, Wales...

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...

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...

Electric Bicycles in Colorado – Bolder Insurance

With the popularity of Electric Bikes, it’s important to understand the rules.  According to the Colorado General Assembly the following is how E-bikes are treated in the state of Colorado.Each County or City have additional rules and restrictionsFor the...

Preparing your home for vacation

Vacation is for fun and relaxation. Help save yourself some worry about what could be happening at home by protecting it from theft and damage while you are away. Here is a checklist we have developed to help you have...

Ladder Strategy Approach: Multiple Term Policies Designed for Specific Time Frames

“This post may contain affiliate links, if you click a link we may earn a commission if you purchase from that merchant.” Life insurance is an essential part of financial planning, providing financial protection for your loved ones in the...

General Liability Insurance Cost: Top 5 Crucial Facts

General liability insurance cost is a key consideration for every business owner in Florida, balancing the need for protection with the necessity of managing expenses. Typically, costs can vary widely based on a number of factors, but for a...

Lake Michigan Credit Union Physician Mortgage (Updated 2024)

For medical professionals, securing a mortgage can be an arduous process due to their unique financial circumstances. Extensive education and substantial student loan...

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...

Storm Clouds Over Sunshine: Florida’s Home Insurance Market in Crisis

Florida, the land of sun-kissed beaches and vibrant sunsets, is also facing a formidable storm – a crisis brewing within its home insurance market. Homeowners across the state are grappling with skyrocketing premiums, non-renewals, and limited policy options, leaving...

Understanding and Caring for Your Heart

Cardiovascular health and wellness is one of the main focuses in modern healthcare, and for good reason. Heart disease is still the leading cause of death both in the United States and globally. Unfortunately, many cardiovascular issues go undiagnosed...

Strategies to Increase COVID-19 Vaccination Rates in Senior Living Employee Populations

Save as PDF The business need – and population health need – of having larger percentages of vaccinated employees in the Senior Living industry is clear.  Scott’s Senior Living Practice recently hosted a webinar to provide a comprehensive overview of...

CCRIF makes $26.7m parametric rainfall insurance payout to Panama

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 parametric rainfall insurance policy was triggered following a recent severe event, which takes payouts made...

What Employers Should Know About Seasonal Employment

Many organizations rely on seasonal workers to supplement their regular workforce during peak times. Your immediate thought upon reading this might be that this is about determining benefits eligibility under the Affordable Care Act (ACA). Well, that’s only part...

Top 3 Essential Tips 2024

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...

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