For the most part, homeowners are responsible for what falls into their own yard. So, if a storm causes your neighbor’s tree to fall in your yard, your homeowners’ insurance could help cover the cost of removing the tree and remedying the damage it caused on your property after your deductible.
The same is true in reverse: If a tree on your property falls in your neighbor’s yard, your neighbor should contact his or her insurance company to determine what type of coverage is available for damage or cleanup in their yard.
In most cases, neighbors are able to work things out without too much trouble. Depending on...
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The world of life insurance is an ever-evolving landscape, and as a result, new products and strategies continue to emerge. Among them, indexed universal life insurance (IUL) has been garnering attention for its unique approach to cash value accumulation and premium flexibility. In this article, we'll delve into the reasons why IUL is outpacing whole life insurance (WL) in terms of innovation while still acknowledging the valuable role that whole life insurance plays for many policyholders.
A Tale of Two Insurance Products: Permanent Coverage with a Twist
Both IUL and WL fall under the umbrella of permanent life insurance, meaning they provide...
Welcome to Insurance Talk, your go-to source for all things insurance! Today, we’re diving into a crucial yet often misunderstood topic—wildfire binding restrictions—and how...
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...
How to Address Today's Cyber Threat
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High-profile cyber attacks like the Microsoft Exchange server hack, the SolarWinds Orion software compromise and the Colonial...
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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...
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Chad Duke, Vice President/Risk Advisor, and Pim Jager, Vice President/Benefits Consultant, were recently featured on the ESOP Podcast discussing captive insurance and...
Singapore has recently launched the 2024 campaign, aimed at empowering individuals to take charge of their financial futures. The initiative offers accessible and actionable...
Whether you’re a business owner trying to find the best healthcare plan for your employees, or you are simply in the market for a health insurance plan, utilizing the services of a broker can save you money and time....
Health insurance providers send claimants an explanation of benefits for every medical claim they process. These statements break down medical providers' charges, the percentage insurers cover, and the claimants' contributions. What Does an Explanation of Benefits Include?
The EOB...
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Here are the ten most popular news articles, week ending October 20th 2024, covering catastrophe bonds, ILS, reinsurance capital and related risk transfer topics....
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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...
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...
Aspen Capital Markets, the third-party and alternative reinsurance capital management unit of global re/insurer Aspen, continued to increase its assets under management in the...
In Michigan, short term disability insurance benefits after a car accident may affect your No-Fault wage loss benefits. If you have a coordinated auto policy, then wage loss will kick in only after your short term benefits have been...
PGGM, the Dutch pension investment manager has allocated $200 million to a new quota share structure named Scenery Re on behalf of its end-client the Dutch pension PFZW, with the vehicle managed by Everest specialist unit Mt. Logan Capital...
Construction sites are a hub for activity and productivity, but they also come with risks that can threaten worker safety. Recognizing examples of hazards and taking steps to prevent them can help keep your site running safely and efficiently.
This...
Choosing the right health plan is important for you and your family. Unfortunately, understanding the ins and outs of health insurance can be difficult, no matter what type of coverage you need. As complicated as insurance may seem, 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...
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...
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....
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...
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 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...
(From left to right: Michael F. Thomas, Executive Vice President, Glenn Insurance; Susan Sykes, Senior Commercial Lines Underwriter, Glenn Insurance; Tim Glenn, President, Glenn Insurance; Claudia Ratzlaff, CEO, Avanzar; Cheryl Tamasitis, Associate Vice President, Nationwide; and Ross Setlow, Territory...
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...
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...
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...
Welcome, friends! Today we’re diving into a topic that may not seem as exciting as winning the lottery but is far more reliable: insurance. Now, before you start snoring, let me assure you—this is important stuff! Think of insurance as your financial bodyguard, your...
The “Magnificent 7” refers to a group of leading tech companies — including Apple, Microsoft, Amazon, Alphabet (Google), Meta (Facebook), Tesla, and Nvidia — that have shown exceptional growth and market performance. While...
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...
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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...
For medical professionals, securing a mortgage can be an arduous process due to their unique financial circumstances. Extensive education and substantial student loan...
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...
Wildfire smoke presents significant health hazards due to the deterioration of air quality. People do not have to be in a high-risk health category to be affected by unhealthy levels of particulate matter and other compounds generated by fires. A...
A good health insurance broker will tell you that health insurance is an absolutely essential component for maintaining good health. Sometimes, people only think about getting treatment for something that has become an emergency scenario. However, there are so...
How to Address Today's Cyber Threat
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High-profile cyber attacks like the Microsoft Exchange server hack, the SolarWinds Orion software compromise and the Colonial Pipeline ransomware attack have highlighted increasing cyber risk for nearly every type of business. Furthermore,...
During the full-year 2023, the catastrophe bond and insurance-linked securities (ILS) team at private markets focused investment manager Schroders Capital allocated over US $817 million to transactions that specifically help in reducing the insurance protection gap.Schroders Capital has quantified...
Florida workers compensation exemption rules play a crucial role for business owners navigating state insurance requirements. If you’re running a business in Florida, you need to know when you can legally opt out of providing workers’ compensation insurance to...
Europe has benefited from falling inflation and positive GDP revisions. Wage increases and improved corporate governance standards are among some of the reasons we maintain a positive view of Japan heading into the second half of the year. Chinese...
