10 Tips for Processing Your Insurance Claim

September 5, 2017
As Hurricane Harvey has flooded Southern Texas and Louisiana, business owners are left scrambling to protect not only their personal property but their businesses as well. If you are facing property loss and the resulting insurance claims, there are several things to keep in mind. After the wind... Find out more »

Do You Need Property Insurance Even If You’re Just Renting?

August 1, 2017
You buy property insurance to cover damage or loss to property. But what if you don’t own the property or you rent it? Your liability policy might provide some coverage…but probably not enough. In the world of residential real estate, landlords buy property insurance to cover damage to... Find out more »

The Pros and Cons of AD&D

Accidental injuries rank as the fifth leading cause of death in the U.S. Accidental death and dismemberment (AD&D) insurance can give your employees financial assistance when the unexpected happens. AD&D insurance can be a valuable and low-cost addition to your current benefits package.... Find out more »

How to Control Employee Dishonesty

One in every 27 employees was apprehended for theft from their employer in 2016, according to the 29th Annual Retail Theft Survey. 53,786 dishonest employees were apprehended in 2016, up 9.3% from 2015. Employee dishonesty is the most important crime coverage for most businesses. Most basic... Find out more »

Asthma and Allergies: How Companies Can Breathe Easier

About one in four Americans suffers from asthma today. The Asthma and Allergy Foundation of America estimates the annual cost of asthma at about $56 billion. Direct costs, such as hospital stays, accounted for nearly $50.1 billion, while indirect costs, such as lost pay, accounted for $5.9... Find out more »

How to Make Dental Coverage More Accessible to Older Americans

Experts agree that steps must be taken to make dental care coverage more accessible and affordable for older Americans. Fortunately, there are several solutions available. The Crisis A 2016 Oral Health America report states that retirees are less likely to seek dental care if they have no... Find out more »

Voluntary Benefits: The Upside of Giving Employees a Choice

Many employers rely on a robust benefit package to attract and retain employees. The challenge is determining which benefits will appeal to a diverse employee base. The best solution for many employers is customization. A benefits package that goes beyond the usual medical, dental and vision... Find out more »

A New Trend: Runners Get Discounts on Life Insurance

Perhaps you’ve seen the ad on Facebook or elsewhere, noting runners have a “35 percent lower risk of all-cause mortality” and may be eligible for life insurance discounts. In light of research revealing the health benefits of running—lower blood pressure, cholesterol and ratio of weight... Find out more »

It’s the Law: Benefits You Must Provide Employees

Employers have a lot of options for increasing the appeal of their benefits plans. But there are also certain minimums to comply with — benefits required by law. Here is a list of benefits required by either the federal government or by state governments. Required The federal government... Find out more »

Bill Would ‘Alter the Legal Landscape’ for Workplace Wellness Programs

June 28, 2017
A bill that members of Congress are considering would substantially change federal rules governing workplace wellness programs, lifting limits on the inducements that can be used to persuade workers to provide personal health information, according to a brief by the Kaiser Family... Find out more »