Will College Savings Plans be Necessary if College is Free?

November 12, 2019
Free college tuition is an appealing idea as higher education costs continue to rise. Can the proposals of presidential candidates be counted on? The 2020 presidential election is a year away, yet one issue already is grabbing the public’s attention. Many candidates are promising student... Find out more »

A Beneficiary’s Guide to Filing a Life Insurance Claim

November 6, 2019
A 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? Losing someone close to you is a difficult situation. Fortunately, however, filing a claim is usually straightforward.... Find out more »

On the Road Again – But With Insurance

November 1, 2019
Traveling for work can be exciting, but only if you know that your coverage has your back! Whether you're traveling by plane, train or automobile, you can have peace of mind knowing that your travel insurance can protect you against every traveler's worst... Find out more »

Getting the Best Outcome from a Workers’ Comp Incident

October 22, 2019
The definition of what is the best outcome has become more expansive in recent years. First, let’s define what we mean by best outcome. It’s where the injured employee’s discomfort is minimized, recovery is maximized, and the well-being of both the firm and employee suffer as... Find out more »

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. Travel insurance generally covers trip cancellations, medical emergencies, travel delays and lost... Find out more »

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 »