9 Ways to Improve Your Workers’ Comp Program and Save Money

September 16, 2019
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 »

How to Understand an Insurance Policy

September 12, 2019
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 »

Your Hurricane Survival Checklist

September 10, 2019
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 »

10 Tips for Reducing Cyber Liability Threats

September 9, 2019
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 »

The Confusing World of Cannabis Regulation and Insurance

September 6, 2019
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 »

Good News, Bad News about Car Theft

September 4, 2019
Here are 10 tips to keep you from being victim to increasingly clever car thieves. The good news about car theft is that the stats say it’s going down. The bad news is that car thieves are ingenious, always devising new ways to break into your car — and steal it. Their tactics... Find out more »

Technology’s Growing Importance in Providing Quality Health Care

September 3, 2019
Whenever you sign up for a new group health care benefit plan for your company or receive communications from your insurance carrier about new benefits, there’s a good chance the insurer is using technology to provide you with better service. Insurers previously used technology to manage... Find out more »

A Retirement Plan for Hard-to-Replace Employees 

August 26, 2019
It’s often difficult for highly compensated executives to save enough money in a traditional 401(k) plan to maintain their current living standards. Fortunately, companies can offer highly sought-after executives a retirement plan that not only offers a more comfortable retirement but also is... Find out more »

529 Savings Plans: An Easy Way to Help Bring College Within Reach

August 21, 2019
Many parents start saving for college as soon as their children are born. It’s little wonder. Tuition plus room and board costs put college out of reach for many high school graduates. The College Board’s Trends in College Pricing survey reports that 2018-2019 tuition fees and room... Find out more »

Five Most Common Dangers in your Home

August 19, 2019
Simple safety precautions in the home can prevent needless deaths and injuries and save billions of dollars in costs. According to the latest annual edition of the National Safety Council’s “Injury Facts” report, in the U.S. in 2017 there were 169,936 preventable deaths and... Find out more »