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Health Care Reform 2015 compliance

December 29 2014
With the implementation of the Affordable Care Act, a variety of reforms became effective in 2014. In 2015, additional provisions will go into effect including the shared responsibility penalty and related requirements. How the changes apply to your business can vary depending on the employer group size that your company falls under. Employers need to review upcoming requirements and develop a strategy to ensure compliance...

Gender related to type of car crash

September 15 2014
Having a car accident is something that everyone dreads. It’s something that parents of teen drivers especially worry about when their child first gets behind the wheel. Car accident statistics have long shown that younger and older drivers are more likely to be involved in car accidents. However, a recent study published by Kansas State University has shown that gender is related to the type of severe or fatal crash in which a young driver may be involved...

Most stolen cars in 2013

August 25 2014
The National Insurance Crime Bureau (NICB) has released its annual “Hot Wheels” report outlining the vehicle make, model and model year most reported stolen in 2013. The report is based on theft data submitted to the National Crime Information Center (NCIC) by law enforcement...

Is insurance a commodity?

August 19 2014
Insurance can certainly seem like a commodity if purchasing it is primarily price focused. If you’re not an active participate and insurance protection is more of an after-thought, it may not be getting the attention it deserves as a strategic tool to protect your bottom-line. Large corporations often devote thousands of dollars and dozens of staff to pay attention to risk management. Even that team has to engage a broker they trust to fill in the voids and exposures in their risk management plan. As a small to mid-size business, you can emulate their dedication to risk management by...

College students: What you should know about Renters and Auto insurance

August 15 2014
The start of the school year is here. College students are moving back-to-school, and many are getting prepared for new living arrangements which may or may not require having a car on campus. With all the preparation, insurance coverage is an issue that can be over looked. Even if a student has been away to college previously, it doesn't mean that his/her insurance needs haven't changed depending upon a variety of factors...

Get your coverage updated well before a storm

July 03 2014
As storm season approaches, it's a great time to remember that if you need to update your insurance protection, you need to do so well in advance of an impending hurricane. There is a 30 day waiting period after you have purchased a flood policy before the protection goes into effect...

Is hands-free cell phone use safe?

April 25 2014
When it comes to driving, you may be able to drive and talk on the phone because driving or talking seems automatic, but both require focus. Without your full attention on the task of driving, you are a less effective driver, which reduces safety. When talking on the phone, have you ever...

6 tips for burglar proofing your home

April 11 2014
US residences were burglarized nearly 1.6 million times in 2012, according to the latest Federal Bureau of Investigation studies. Proper home theft prevention ideas and techniques, however, can reduce the odds of a home burglary. Consider the following loss control techniques...