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Mortgage pre-approval checklist for homebuyers

If you’re looking to buy a new home, the current market includes good news and bad news. The bad news is that the government is fighting inflation by raising interest rates; so a mortgage will cost you more. But the

Home & Auto

What is a commercial deductible?

A deductible is an amount that the insurer and insured have agreed to deduct from the value of a loss before the insurance company pays the remainder, up to the limits of a commercial property or liability insurance policy. It

Business Insurance

National Truck Driver Appreciation Week      

America can’t run without truck drivers. In honor of National Truck Driver Appreciation Week, let’s take a moment to reflect on how important truck drivers are to our society and think about how we can show our appreciation and help

Business Insurance

Employee engagement surveys: how and why to measure engagement

With all the recent talk about the Great Resignation and the quiet quitting trend, it’s clear that many employees are not engaged. Are yours? Unfortunately, some business leaders may be unaware of the problem until productivity drops and turnover surges.

HR

RV insurance: Coverage for your recreational vehicle

If you like to travel and prefer road trips to airplanes, a recreational vehicle might be just what you need. According to Go RVing, 11.2 million households owned an RV in 2021, an increase of 62 percent since 2001. If

Home & Auto

September HR News Worth Review

Medicare Part D Notices Are Due Before Oct. 15, 2022 Each year, Medicare Part D requires group health plan sponsors to disclose to individuals who are eligible for Medicare Part D and to the Centers for Medicare and Medicaid Services

Compliance

What is a performance bond?

A performance bond, sometimes known as a contract bond or a surety bond, is a unique financial instrument that protects the owner of a large project by underwriting successful execution by the prime contractor. Performance bonds are common in the

Business Insurance

Recruitment tools

In the modern age, the hiring process is constantly changing. It’s not as simple as placing job listings in the hopes of finding interested candidates. Hiring managers must keep their recruitment process up-to-date. There are multiple recruitment tools available to

HR

How does Texas workers’ compensation work?

While some industries are more dangerous than others, injuries can happen in any workplace. The U.S. Bureau of Labor Statistics says that private industry employers reported 2.7 million nonfatal workplace injuries in 2020. That’s about 2.7 cases per 100 full-time equivalent

Business Insurance

What is a payment bond?

A payment bond is a form of surety bond issued to guarantee that all of the contributors, such as suppliers, subcontractors and vendors, on a construction project will be paid for their work and materials. A payment bond is a

Business Insurance

What is a PEO and how can it help small businesses?

Let’s face it – having employees can be a hassle. On top of payroll and HR issues, employers also have to deal with taxes and an ever-growing maze of state and federal regulations. For small and mid-size businesses, generally with

HR

Vacation home insurance: Protecting your second home

Vacation homes have different exposures than your primary residence. If you want to protect your investment from property and liability risks, having the right coverage is critical. Whether it’s a beach house or a lakeside cabin, if you have a

Home & Auto

Benefits and retention: Taking control of turnover

Employers aren’t just struggling to find skilled workers. They’re also struggling to keep them. High employee turnover is a problem for many companies, and it can have a wide range of negative effects. However, there are solutions that can help

Employee Benefits, HR

What is an exclusion in insurance?

Insurance exclusions are provisions in an insurance policy specifying risks that are not covered. Whether the policy is written for home, renters, health, automobile or business insurance, exclusions allow the insurance company to define when your coverage applies – and

Home & Auto, Individual Life & Health

August HR News Worth Review

Pay or Play Affordability Percentage Decreased for 2023 On Aug. 1, 2022, the IRS issued Revenue Procedure (Rev. Proc.) 2022-34 to index the contribution percentages in 2023 for determining the affordability of an employer’s plan under the Affordable Care Act (ACA). For

Uncategorized

The best HR metrics to track

If you’re in human resource management, you know that HR metrics indicate how effective your strategies and programs are in relation to employee engagement and retention. Reviewing key HR metrics helps you develop a sound business strategy to increase your

HR

Swimming pool liability coverage: Are you fully covered?

Swimming pools are a great asset, but they can also be a major liability. If someone is injured in your pool – even if that person isn’t a guest you invited to use your pool – you could find yourself

Business Insurance, Home & Auto

What is cyber extortion? How to protect your business

Criminals could target your company, and they don’t even have to be in the same country as you. As more and more business practices go online, cyber extortion has become a serious threat. However, many people are still fuzzy on

Business Insurance, Risk Management

Payroll services for small businesses

Payroll processing is a necessary part of having employees. It can seem simple at first glance, but when you start adding in things like overtime and vacations, the payroll process can start to get complicated. Once you realize that you

HR

Thinking about starting an insurance industry job?

Have you considered a career in the insurance industry? With a variety of specialties and sub-specialties in the industry, there are lots of insurance employment options. While you may be familiar with the positions of insurance agent and broker, there

Lifestyle

Employee benefit reimbursement plans

Your executive-level employees expect solid compensation and a robust executive benefits plan. Employee benefit reimbursement plans for health care expenses have provided one way to fill in gaps left by normal group health plans, ensuring that your business leaders are

Employee Benefits

Home security systems: A complete guide

If you’re one of the 70% of Americans who don’t have a home security system, you may wonder what your options are when choosing a system, how much an effective home security system would cost and whether you really need

Home & Auto, Risk Management

July HR News Worth Review

DOL Announces Plans to Issue Proposed Overtime and Independent Contractor Rules In its recent spring regulatory agenda, the U.S. Department of Labor (DOL) announced its plans to issue a proposed overtime rule in October 2022. According to the agency’s regulatory agenda, this

Compliance

Employer Considerations for Health Plans Post-Dobbs

Employer Considerations for Health Plans Post-Dobbs In anticipation of the U.S. Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization that overturned Roe v. Wade, states have enacted various laws regarding insurance coverage of abortion. Some states have banned

Compliance