Healthcare is one of those necessary budget items that many people don't like to think about but have to. According to the Centers for Medicare and Medicaid Services, national health spending is expected to grow at an average rate of 5.4% annually for the next several years. Most people obtain an insurance policy through a health insurance broker, an employer or the government to help with expenses. Why You Need Health Insurance
With rising healthcare costs, it's easy to see why
health insurance is necessary. It helps you pay for preventative care to avoid significant health issues before they become bigger problems. Routine checkups, flu shots,...
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 is where Professional Liability insurance steps in, protecting contractors from costly mistakes made during construction or design phases.In Florida, whether you’re overseeing a large design/build project or handling smaller renovations, understanding the importance of filling this coverage gap can be critical. The evolving construction industry pushes contractors to shoulder more design responsibilities, increasing their liability.My name is Paul Schneider, and I specialize in offering custom insurance solutions...
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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Since ChatGPT was released just over a year ago, business leaders in nearly every industry are increasingly investigating the potential uses of...
Oxbridge Re Ltd., the Cayman Islands based reinsurance company, is planning to expand its offering of tokenized reinsurance securities that fund its collateralized reinsurance...
2022 Mid-Market Employee Benefits Benchmarking Survey Results
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With an extremely competitive labor market, it is important for employers to recognize the challenges of...
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...
International insurer and reinsurer MS Amlin has now launched the capital raise for the 2025 edition of its Phoenix reinsurance sidecar, and with the...
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...
Most Americans become eligible for Medicare at age 65. Before enrolling, you should begin planning for Medicare expenses. To do this, you must
understand how Medicare works and what your costs will be. 1. Medicare Has Four Parts
Medicare...
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Millions of Americans might not be able to get health insurance, depending on the election’s outcome. It determines whether the country stays with affordable...
General liability insurance cost is a key consideration for every business owner in Florida, balancing the need for protection with the necessity of managing...
In recent years, Singapore has made significant strides in raising awareness of mental health and reducing stigma around seeking support. With a growing emphasis...
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...
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. Once you’ve paid off your deductible, you only pay the copayment or coinsurance for the...
Signed into law in 2010, the Affordable Care Act was meant to open affordable healthcare access to all Americans. As with any law, the optimism surrounding it was short-lived, especially as people realized it was not as accessible as...
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...
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,...
New Jersey Doesn’t Require Boat Insurance. Get it Anyway.May 26, 2022May 26: Closing at 12:00pmMay 25, 2023
Capt. Richard I. Risely, Union Army, Civil War. He is Tim Glenn’s Great, Great Grandfather.
We at Glenn Insurance support our men and women...
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...
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...
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...
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...
Make yourself visible no matter the time of day.
The pandemic, rising fuel prices and climate change concerns – along with improved battery technology and e-bike options – have combined to create a...
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...
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...
Property Casualty Insurance is insurance that combines protection for property owned by you, such as a house, or personal possessions, and liability insurance for if you ever cause an accident that injures another person or damages another person’s property....
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The Kovacic Family’s Real Life Disability Insurance Story
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September is National Yoga Awareness Month. Starting yoga can feel intimidating, but remember it's a journey, not a destination. Find a comfortable space at home or a welcoming local studio to practice regularly. Many online resources and beginner classes...
Is 1099 exempt from workers compensation insurance in Florida? This is a common question for many business owners in Florida who hire independent contractors. Simply put, most 1099 contractors aren’t required to have workers’ compensation insurance in Florida, unless...
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}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...
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...
If you have one or more pricey prescriptions and are or will soon be eligible for Medicare, you may be thinking about signing up for a Medicare Part C or D plan in order to get prescription drug coverage....
No one wants to be stranded in a car in the winter. At best, you could be cold and late as you wait for a tow or a ride; at worst, you are in danger of experiencing freezing temperatures...
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Edit 12/4/20: Please note that the CDC update indicates that local public health authorities make the final decisions about how long quarantine should last in the communities they serve, based on local conditions and needs. The CDC...
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At Scott Insurance, we are proud to be continually recognized as an industry leader and employer of choice. So far this year, we have been recognized by multiple industry publications and included on lists among the top...
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...
Market sentiment now indicates that rate cuts will not occur until the third quarter of 2024. Despite signs of strength, the direction of the economy and the likelihood of a recession remain uncertain. Relations between the U.S. and China...
