Insurance protection is a reality for today’s entrepreneur and small business owners, just as it is for large corporations. There is coverage for just about any issue that could arise in your business. The policies you need depend on a number of factors, including what industry you’re in. There are basic insurance policies business owners […]
When it comes to auto insurance, a lot rides on the make, model and age of your car. Some cars are just more expensive to insure. The formula for determining the cost is based on a host of variables. Your car may rate well for being new, for example, but also rate low in terms […]
When purchasing a life insurance policy, the biggest consideration you’ll have is who to name as your life insurance beneficiary. There are a lot of scenarios to think about. Should the benefit go to a family member who will need it the most? If you name your spouse, who you name as secondary? What to […]
Cyber attacks are here to stay, and companies large and small stand to lose a lot of money if not properly insured against wrongdoing. Whether it’s internal or an attack from outside, tech breaches pose a very real threat and you need to be prepared. According to the 2015 Cost of Cyber Crime Study by […]
Health insurance is evolving, and so is the role of employers who provide health insurance benefits. During World War II, when wage controls were in place, companies began offering health insurance to attract workers from a scant pool of workers. But the market is changing. Today, even though there’s evidence that employers are moving away […]
This year’s open enrollment period for healthcare insurance is January 31, 2016. So you still have time, but it’s running out fast. Miss the window and you could end up pay the penalty come tax time. How much is the 2016 healthcare insurance penalty? About twice what it was in 2015. Precisely, $695 per adult […]
It’s bad enough that there are bad guys out there pulling off insurance fraud. What adds insult to injury is that the good guys end up footing the bill. The Insurance Information Institute estimates that property/casualty insurance fraud costs the industry about $32 billion a year. They don’t eat those losses. They pass them along […]
Workers compensation fraud costs Americans billions of dollars every year–as much as $5 billion annually according to the National Insurance Crime Bureau. False claims drive up the cost of premiums to employers, and it isn’t just giant conglomerations that are targeted. Small businesses are equally at risk. If you’re concerned, here are some common worker […]
Think the cyber crooks only go after big businesses? Think again. Small businesses are especially vulnerable because they they’re too penny-ante for hackers to bother with. The truth is cyber criminals see your small business as a target in itself and a doorway to your clients’ valuable data. A study conducted with the Ponemon Institute […]
This time of year, most of us would rather think about vacation, holiday gatherings and chestnuts roasting on an open fire–anything, in fact, except the possibility that terrorism could disrupt our lives. But given recent events, it’s prudent to know there are proactive steps that you can take to you can take to protect your […]
You can’t count on the past to predict the future. Before you get caught up in holiday plans, take a few minutes to review some important small business insurance checklist items. It’s the best way to protect your business by reducing your exposure to risks. Small Business Insurance End of Year Checklist 1. Are your […]
Don’t be an easy mark for grinches and thieves who target homes during the holidays. Whether you’re going to be away from home for a couple hours or a couple weeks, here’s how to protect your home from holiday thieves. Your season will be a whole lot merrier if you don’t have to file a […]
While you’re out shopping for Christmas presents, attending a party or just celebrating the season, crooks are casing your car. Car thefts and car break-ins rise in the weeks leading up to Christmas. If you want to bring holiday cheer to a crook, here are some sure-fire ways to do so: Leave your purchases in […]
Being your own boss is part of the American Dream. Working from home makes it even better. But the dream has some downsides. What would happen to your business if you were injured or hospitalized? What if a delivery guy trips bringing you your office supplies? What if your dog bites your client? Or you’re […]
You are required by law to carry workers compensation insurance if you have at least one employee besides yourself. It can run over $2.00 per work hour per employee. That makes finding cheaper workers comp coverage for your small business a major goal. Here are some tips to cut your workers compensation insurance costs and […]
Along with bills, your daily mail probably includes at least one enticing invitation to switch auto insurance with the promise of significant savings. It is smart to review your car insurance coverage at least once a year to see what’s out there. Here are 4 good reasons to switch car insurance coverage and one reason […]
Your teenager may be an honor student and exemplary citizen, but as far as the car insurance industry is concerned, your child is a poor risk. They base that dim view on statistics from the CDC that show drivers age 16 to 19 are four times more likely to be in car accidents than older […]
Think cyber liability only affects giant corporations? Wrong! Your small business is equally exposed. The fact is, 25% of data breaches happen at firm with fewer than 50 employees and, according to a recent survey, you’re at greater risk of being hacked than of having a fire. And your greatest vulnerability comes from your smartphone. […]
