Pros and Cons of Excluding Owners and Officers from Workers’ Comp Coverage

September 26, 2019
Some businesses decide owners and officers workers’ compensation coverage is unnecessary, but the potential savings need to be weighed against the risk of not having it. Although employers in most states are required to provide workers’ compensation insurance to employees, including... Find out more »

New Rule Offers New HRA Options

September 23, 2019
Business owners now have a way to help their employees get individual health care coverage. The U.S. Departments of Health and Human Services; Labor; and Treasury released a new rule in June that allows employers to contribute to Individual Coverage Health Reimbursement Arrangements (ICHRA) as... Find out more »

Why You Always Need an Umbrella — Even When It Isn’t Raining

September 19, 2019
Bad 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... Find out more »

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 »