Insurance Buyers News – November/December 2019

How to Insure against Alleged Whistleblowers

whistle with zipperEmployees file lawsuits against their employers for many reasons. A 62-year-old white male employee with a positive performance record and favorable bonuses was terminated by a foundation. He sued the foundation … Read on for details.

Are Insurance Companies Prepared for Another 9/11?

NYC at nightThe terrorist attacks on 9/11, in which terrorists hijacked and flew commercial airliners into the World Trade Center Towers and the Pentagon, demonstrated how such events are unpredictable, highly destructive and possibly uninsurable.
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Why You — not just “Dolly” and “Bruce” — Might Need Surplus Lines Insurance

woman on tightropeA change in your business strategy can create a need to access the surplus lines market.
Read on for details.

What Does Surplus Lines Cover and How Do You Buy It?

Surplus lines insurers handle a broad range of business risks. These are some examples of the types of risk commonly insured by excess and surplus lines insurers: Read on for details.

Life & Health Insurance Advisor – November 2019

A Beneficiary’s Guide to Filing a Life Insurance Claim

death certificateA life insurance policy can be a thoughtful way to provide for loved ones after you die. But what happens if you are the beneficiary of someone’s life insurance policy?
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Two Medicare Enrollment Periods for 2020 Benefits

Medicare puzzle pieceHappy with your Medicare benefits? Not interested in making changes for 2020? Great! You don’t have to do a thing.
Read on for details.


The Case for and Against Universal Health Care

hands holding a heartOne of the hot topics of the 2020 presidential election is universal health care– especially among progressive Democrat candidates. 
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The Benefits of Purchasing Life and Disability Insurance Together

Most people easily grasp the importance of having a life insurance plan. Death is inevitable and life insurance can provide a surviving spouse, children and other dependents with the funds to maintain their standard of living.  
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Personal Lines – Fall 2019

Good News, Bad News about Car Theft

car thiefTen 10 tips to keep you from being victim to increasingly clever car thieves.
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Why You Always Need an Umbrella — Even When It Isn’t Raining

lightning stormBad 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 protection for your key assets. Read on for details.

How to Protect against Lightning

umbrellaLightning is the most dangerous and frequently-encountered weather hazard that most people experience each year. How to protect yourself and your home.
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Are You Prepared for an Emergency?

Although people in the U.S. are better prepared today for an emergency than several years ago, only 43 percent of respondents in the Federal Emergency Management Agency’s 2017 National Household survey said they had taken at least three of the actions listed below to prepare for a potential emergency.
Read on for details.

Life & Health Insurance Advisor – August 2019

Benefits of Hospital Indemnity Insurance

emergency roomHospital indemnity insurance is gaining in popularity as a way to deal with increasingly higher out-of-pocket expenses.
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Important Changes to Medicare Part D

Medicare puzzle pieceIf you’re retired and have health care coverage through Medicare Advantage Part C or Original Medicare and a Part D plan, you should know that a few changes have been made.
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What to Know: Long-term vs. Short-Term Disability Insurance

man with broken armNo one really expects to become disabled, but it does happen.
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Travel Insurance for Peace of Mind

The last thing you want to think about when planning your dream vacation is canceling your trip. Still, it pays to plan ahead and travel insurance can be one of the most important items you take.
Read on for details.

Employee Benefits Report – July 2019

Meaningful Ways to Support an Aging Workforce

warehouse worker
America’s workforce is aging rapidly — and it will have an impact on your business.
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The Lure of Workplace Flexibility

home officeThe concept of a flexible workplace is based on the idea that it’s possible to work harder and smarter away from the office or during a shorter work week. The question most employers have is, “Will it work?”
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A Plan Sponsor’s Cyber Security Responsibilities

computer screenCyber security insurance can help protect you and your workers’ health and retirement benefit plans.
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Choosing a Vision Insurance Plan Your Employees Will Value

A good, quality vision plan is a valuable asset for your employees.
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Personal Lines – Summer 2019

6 Common Homeowners Insurance Coverage Gaps

house with gapMany of the following types of losses may not be fully covered under a basic homeowners policy. Some may require separate policies.
Read on for details.

Five Most Common Dangers in your Home

flaming burner on stoveSimple safety precautions in the home can prevent needless deaths and injuries and save billions of dollars in costs. Read on for details.

What Does that Speeding Ticket Really Cost?

man with his head on the steering wheelEvery year, about 41 million Americans, or one-fifth of drivers, get speeding tickets. They pay more than $6.2 billion in fines, according the U.S. Highway Patrol.
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Home-Based Business Insurance Options

In addition to needing property and liability insurance for your home based business, it’s important to consider two other important kinds of business insurance.
Read on for details.

Insurance Buyers’ News – May/June 2019

Don’t Be the Victim of a Nigerian Prince

hook through credit cardYou wouldn’t knowingly send money to a Nigerian Prince. But ransomware and phishing attacks are becoming more sophisticated. Smaller companies are especially vulnerable. Read on for details.

Preparing for the Worst with Active Assailant Insurance

gunThe coverage was introduced only a few years ago and more companies are now offering it.
Read on for details.

Two Essential Property Endorsements You Need if You Plan to Rebuild after a Loss

dilapidated buildingYour insurance may cover your losses, but will it be enough to meet new building code requirements if you rebuild?
Read on for details.

Cyber Liability Insurance Policies

Due to the lack of actuarial data, it’s been difficult to price cyber liability insurance.
Read on for details.

Employee Benefits Report – April 2019

How Employer-Sponsored Dental Insurance Supports Employees’ Overall Health

little girl at dentist
Employer-sponsored dental insurance can play an integral part in your employees’ health.
Read on for details.

Unlimited Vacation – Good Idea? or Too Many Headaches?

woman on tropical beachWho wouldn’t want unlimited vacation time? Here are a few advantages, as well as pitfalls.
Read on for details.

Advantages and Disadvantages of the Emerging Telehealth Trend

dr on computer screenTelehealth/telemedicine is being touted as a great innovation — the ability to talk to a provider anytime of the day from home for little or no cost. There are advantages and disadvantages.
Read on for details.

The Advantages of a 457 Retirement Plan

You and your employees might qualify for 457 retirement plans if you work for a state or local government or for certain tax-exempt organizations such as a charities, hospitals or unions.
Read on for details.

Personal Lines – Spring 2019

Auto Insurance Policy Changes You Should Know About

insurance policy papersIncluding updates on flying cars, key fobs and pet injury coverage.
Read on for details.

Dr. Risk Management says, “Get an Insurance Checkup”

insurance checklistIt’s good for your financial health because having too little — or too much insurance — can cost you money. A regular insurance checkup can help ensure you have the amount and type of coverage you need. Read on for details.

How Does Green Construction Affect Insurance Costs?

grass houseIn the next three years developers expect 60 percent of their projects will be Green.
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Benefits of Green Construction

Siting and design efficiency — the goal is to minimize impact in terms of a building’s location and the surrounding environment.
Read on for details.

Life and Health Insurance Advisor – Spring 2019

9 Proactive Techniques to Improve Your Workers’ Comp Program and Save Money

arm in a braceYour agent is an excellent resource for ensuring you’re ready when an accident happens — and it doesn’t cost more than necessary.
Read on for details.

What Is Integrated Disability?

people shaking handsWith companies like MetLife and Travelers working together to create programs such as their trademarked Synchrony, the concept of integrated disability is gaining wider acceptance, though there are still hurdles.
Read on for details.

Workplace Injuries — What Are the Odds?

woman walking through airportOdds are workplace injuries won’t happen — yet they do. The odds can be lowered considerably by taking control of the work environment and ensuring employees perform the job the right way.
Read on for details.

Meet Your Insurance Professional: Claims Examiner

Workers’ compensation insurers and some self-insured employers have employees who examine claims after they are submitted for payment.
Read on for details.

Insurance Buyers’ News – January/February 2019

Top Causes of Loss in the U.S. and the World

fire and black smokeThe largest financial losses worldwide come from fires/explosions and aviation incidents, according to an analysis of the Top Causes of Loss of 470,000 insurance losses around the world by Allianz Global Corporate & Specialty (AGCS) Insurance.Read on for details.

How to Protect Your Interests When Working with Contractors

people workingOne of the most effective and simplest ways of protecting your organization from liability due to contractors’ and subcontractors’ operations is with Additional Insured coverage.
Read on for details.

“Need to Have” Liability Coverages for Every Business

Are You Covered signsThere are insurance coverages that all businesses need, some that all businesses should consider, and some that you need only if you have special risk exposures.
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“Nice to Have” Policies Many Businesses Need

“Nice to have” policies are those that all businesses should at least consider purchasing. Three of the most important ones include:
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Employee Benefits Report – December 2018

A Simple Way for Small Employers to Assist Employees with Buying Health Insurance

forms & stethoscope
Are you having difficulty finding a good, affordable health care benefit plan for your small business? If so, have you considered using a QSEHRA as an alternative?
Read on for details.

What You Need to Know About the Growing Popularity of Home-Based Care

in home care nurseThe need for home health care aids is expected to increase more than 1.3 million by 2020.
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Does Sick Pay do What it’s Supposed to do? The Case For and Against

person home sick from workStudies show sick pay can reduce the spread of disease in the workplace, but also increase absenteeism.
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What’s In and Out with Benefit Programs

When you offer benefits to your employees, you want to provide the type of benefits that will attract and keep valued employees. However, benefits that once were popular can become less desirable.
Read on for details.