Is My Personal Drone Covered?

October 14, 2019
Drones have exploded in popularity over the last few years for hobby and recreational use. Drones can be costly to replace and expose you to liability risk.  It is important to know the guidelines for operation and where your coverage may lie in your personal insurance policies. A drone is... Find out more »

Health Insurance Captives: Avoid The Hassle Of Yearly Shopping

Health insurance captives offer a long term solution to shopping your health insurance every single year. Captive health insurance programs provide the stability and flexibility that large employer’s experience, down to small and mid-size employers with 25 to 1,000 enrolled members.  They... Find out more »

Federal Emphasis Programs And You- Region 3

Each year Federal OSHA issues National Emphasis Programs (NEPs), which cover all of the Federal OSHA-mandated States in the United States. Recent NEP’s have included focus on: Trenching and Excavation (2018) Combustible Dust (2008) Amputation (2015) In addition to NEP’s, each... Find out more »

The 6 Most Important Building Blocks Of A Cyber Policy

Ransomware attacks occur every 14 seconds and 50% of these attacks target small businesses. By 2021 it is estimated that the total cost of all cyber crimes will exceed $6 trillion. If you think “I’m a small business that won’t happen to me” …think again. Nearly 50% of these cyber-attacks... Find out more »

Access to Preventive Care Eased for Some HDHPs

The Internal Revenue Service (IRS) has made it easier for people who have high-deductible health plans (HDHPs) with health savings accounts (HSAs) to get preventive care services to treat chronic diseases even if the insured hasn’t yet met the deductible. In the past, the Treasury... Find out more »

Health Savings Accounts – One Key to a More Comfortable Retirement

October 11, 2019
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 expenses while employed, but the same savings account also can be used during... Find out more »

8 Exceptions to the Course of Employment Rule

October 7, 2019
To better understand course of employment rules it’s useful to look at the exceptions. When someone is injured on the job, the connection — or nexus — between the job and the injury is usually clear and indisputable. But sometimes, it’s not. For instance, say you work at... Find out more »

5 Reasons You Need Employers Liability Coverage

October 3, 2019
In addition to including owners and officers as insureds under your policy, another important type of workers’ compensation coverage that you may tend to overlook is Employers Liability.  Employers Liability protects a business if it’s sued for damages that fall outside of... Find out more »

Genetic Testing Protections and Limitations

October 2, 2019
When the federal government passed the Genetic Information Nondiscrimination Act (GINA) in 2008, the law provided a starting point and baseline to prevent insurance carriers from using genetic testing information to determine rates. Today, as genetic testing kits have become even more popular,... Find out more »

Health Savings Accounts – One Key to a More Comfortable Retirement

September 30, 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 »