Month: September 2019

Here’s what your employees need to know about health savings accounts Most people know that a 401(k) plan is a valuable retirement tool. It’s less well-known that a health savings account (HSA) also is a valuable retirement tool. Not only is an HSA a great way to save for medical... Find out more »

Some businesses decide owners and officers workers’ compensation coverage is unnecessary, but the potential savings need to be weighed against the risk of not having it. Although employers in most states are required to provide workers’ compensation insurance to employees, including... Find out more »

Business owners now have a way to help their employees get individual health care coverage. The U.S. Departments of Health and Human Services; Labor; and Treasury released a new rule in June that allows employers to contribute to Individual Coverage Health Reimbursement Arrangements (ICHRA) as... Find out more »

Bad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella insurance policies come in. They provide a convenient and surprisingly affordable extra layer of... Find out more »

The key is advance planning. 1   Make sure your employee classifications are correct. There are 500 to 600 job classifications to choose from, and getting the best fit possible can mean getting the lowest rate possible. Sometimes employees whose duties are only clerical get included in... Find out more »

Local firm joins Alera Group through GLB Insurance Alera Group, an independent national insurance brokerage and wealth management firm, today announced that it has acquired Makro Enterprises (Makro), effective September 1, 2019. Makro will join Alera Group through local firm GLB... Find out more »

Most people would rather go to the dentist than try to read an insurance policy. Like most things that seem intimidating at first, though, when you break it down, it makes a lot more sense. There are four basic parts to every insurance policy: •  ... Find out more »

Already responsible for an estimated $1.5 to $3 billion of property damage in the Caribbean, once Category 5 hurricane, now post-tropical cyclone Dorian has caused damage spanning from the Bahamas, to Nova Scotia, and throughout the Atlantic coast.  If you are facing property loss and the... Find out more »

These 10 steps will help safeguard you from threats posed by a potential cyber attack. Want more tips and tricks? Simply reach out to info@aleragroup.com to get connected with a cyber liability expert!   1.   Protect against viruses, spyware, and other malicious... Find out more »

Although 33 states and the District of Columbia passed laws legalizing marijuana in some form, don’t assume your group health insurance covers the use of medical marijuana (cannabis) or CBD oil. CBD oil is a chemical compound of cannabis that does not have the same psychoactive properties as... Find out more »