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Happy coworkers talking in the breakroom area near a coffee pot while taking a break at the office

Breakroom ideas to help boost office morale and productivity

A thoughtfully designed breakroom is more than just a space to take a break; it’s a hub for connection, relaxation and recharging. In today’s fast-paced work environments, offering employees a dedicated space to step away from their desks can help enhance morale and foster a sense of community.

HR

How liquor liability insurance can help protect your business

Too much of a good thing may become a problem, especially when that thing is alcohol. Businesses that serve alcohol could be liable for property damage and injuries that result from consumption, potentially causing catastrophic financial and legal consequences. But, businesses can help to mitigate this risk through safe practices and liquor liability insurance.

Business Insurance

Insurance for classic cars and car collections

Owning a classic car is about more than transportation; it’s about preserving a piece of history. Because of this, insuring these vehicles requires more than standard auto coverage. It calls for specialized coverage that addresses their unique value and risks.

Home & Auto
Businesswoman packing personal company belongings after deciding on a resignation or change of job and completing offboarding

Employee offboarding best practices for a smooth transition

Employee offboarding allows departing employees and their managers to take steps to ensure a smooth transition. Having an offboarding program can also keep an employee’s exit friendly and non-confrontational, helping to set the tone for how an organization values its employees, even as they prepare to leave the company.

HR

Guide to yacht insurance: Tips and coverage options

Yacht insurance plays a crucial role in safeguarding your investment on the water. It can provide protection for risks ranging from liability for on-board incidents to accidental damage to your vessel. Understanding the key coverage options and factors involved can help you select the policy that best aligns with your needs.

Home & Auto

Legal benefits for employees: Pros and cons of adding legal services

Are your employees struggling with personal legal challenges? As employers look for strategies to support worker well-being and boost productivity, legal benefits for employees can be an attractive option. Learn about the pros and cons of adding legal services, whether that’s as a standalone benefit or as part of an Employee Assistance Program (EAP).

Employee Benefits
Young handsome man working from home, focused on apps and software on laptop and digital tablet

Personal cyber insurance: Individual protection from cyber crime

In today’s digital world, it’s not just businesses that face cyber threats. Individuals also face risks like identity theft, fraud and cyber extortion – all of which could have a major financial and personal impact. If you do fall victim to a cyberattack, personal cyber insurance can offer financial coverage and crisis management services to help you mitigate the effects of the attack.

Home & Auto, Risk Management
Shop owner handing bag to client after shopping in clothing boutique

Seasonal employee FAQs: Definitions, regulations and tips

Seasonal employment can be a lifeline for many businesses during peak times, providing the extra hands needed to handle increased demand. However, seasonal hiring raises questions about employment durations, legal obligations and best practices. Employers need to understand relevant regulations to help prevent legal issues and optimize their seasonal workforce.

HR
Father smiling at excited 4 year old son with Down Syndrome leading his family outside for vacation fun with sand pail and shovel.

Windstorm insurance for homes: Are you covered?

Does your homeowners’ insurance provide adequate coverage for hurricanes and other windstorms? Although standard homeowners’ policies often include windstorm coverage, it may be excluded in some regions with significant windstorm risks. If it is missing from your home insurance policy, you may still be able to add windstorm coverage.

Home & Auto
Businesswomen meeting in lobby of modern office

What is a benefits broker and how can they simplify employee benefits?

Navigating employee benefits can be complex for employers, especially when balancing cost control with providing comprehensive offerings to workers. This is where a benefits broker can become indispensable. Acting as an intermediary between employers and insurance providers, benefit brokers help design, implement and manage employee benefits programs.

Employee Benefits
Three young colleagues discussing work at modern office

How to create an internship program that works

Incorporating an internship program into your company can bring fresh perspectives and an opportunity to develop future leaders. The value of an internship program lies in its ability to offer a hands-on learning experience, which can be mutually beneficial for the intern and the employer. But, creating an effective internship program involves careful planning and execution.

HR

Cyberterrorism insurance: Understanding your insurance coverage

Does your business insurance coverage include cyberterrorism insurance? With the ever-growing risk of cyberterrorism, business leaders should be aware of how common exclusions in cyber liability policies could impact their cyber coverage.

Business Insurance, Risk Management

Should I sign up for Medicare when I turn 65?

Whether for financial reasons or just for enjoyment, today, many workers continue employment past the age of 65. Regardless of why you may choose to work past 65, not enrolling in Medicare at the right time could result in financial penalties, so it is important to approach the decision to delay enrollment with caution and understanding.

Individual Life & Health
At home nurse helping senior woman with physical therapy at home

Six tips to help you make a smooth transition to Medicare

How many times have you heard that Medicare is complicated or confusing? These complaints can be enough to make anyone dread dealing with it. That’s why the Higginbotham team is here to help with six inside tips to ease your transition to Medicare.

Individual Life & Health

Frequently asked questions about Medicare

At first glance, Medicare can seem confusing, especially as your health care needs change over time. Whether you\’re turning 65 soon, thinking about how Medicare fits with your job\’s health insurance or helping a loved one to figure out coverage, we\’re here to help answer some of the most common questions about Medicare.

Employee Benefits, Individual Life & Health

October 2024 HR Update

MLR Rebates are Here! Employers with insured group health plans may have just received a rebate from their health insurance issuer, as issuers who did not meet the applicable medical loss ratio (MLR) percentage for 2023 had to rebate plan

HR

How to prevent package theft: Tips to secure your deliveries

Package theft has become a widespread issue affecting many households across the nation. In fact, studies show that roughly 36 percent of Americans have fallen victim to this crime. Understanding who package thieves are and what makes a home a target can help you take the necessary steps to protect your packages and deter these “porch pirates.”

Home & Auto, Lifestyle
Mid adult woman driving a car

Comprehensive vs. collision insurance: Is your car protected?

When it comes to protecting your vehicle, choosing the right insurance coverage is one of the most critical choices you can make. Collision and comprehensive insurance each offer unique protection: collision insurance is designed to cover damage from accidents with other vehicles or objects, while comprehensive insurance is there for non-collision incidents such as theft, fire or natural disaster.

Home & Auto
Over the shoulder view of young woman using smart phone while logging in personal banking account on laptop. Network security, data protection and privacy.

MFA fatigue attacks: Definitions and prevention strategies

Multi-factor authentication (MFA) fatigue attacks, also known as MFA spamming or MFA bombing, are sophisticated cyber security threats that overwhelm users with repeated multi-factor authentication requests until they mistakenly grant access to attackers. These attacks are becoming increasingly common and pose massive security risks for businesses, employees and individuals, but there are strategies that can help prevent them.

Risk Management
Young Asian woman carrying suitcase, walking by the window at airport terminal. Young Asian female traveller waiting for boarding at airport. Business travel. Travel and vacation concept

Unlimited PTO pros and cons: Overview for employers and employees

Unlimited PTO policies are becoming more popular, but they can come with advantages and challenges. Understanding the pros and cons for both employees and employers is key when deciding if an unlimited paid time off program is right for your organization.

HR
Shot of a young couple working on their finances together at home

Understanding your insurance policy’s declarations page

An insurance declarations page is a summary of your insurance policy, outlining key details like coverage limits, premiums and deductibles. It’s essential because it provides a quick reference to your coverage, helping you to understand your protections and obligations.

Business Insurance, Home & Auto
A retired senior woman in her 70s sits at home inside her cold house in winter. She is warming herself next to an electric heater while sitting on the sofa while she uses a digital tablet.

Space heater safety: Tips to warm up safely

Seeking to stay warm during the winter months without compromising your fire safety? Our essential space heater safety tips are here to help prevent your cozy refuge from turning into a fire hazard. Discover how to select, place and maintain your space heater unit for greater peace of mind during those chilly months.

Home & Auto, Lifestyle
Young couple boyfriend and girlfriend or brother sister study at home

What is a High-Deductible Health Plan (HDHP)?

Are you offering your employees health insurance options that work for their budgets? While not ideal for everyone, a high-deductible health plan can be very appealing to some workers, especially when it’s paired with a health savings account. Offering a high-deductible health plan as part of an employee benefits package, therefore, may be a strategic option for your organization.

Employee Benefits
Symbols of law a legal system - a judge, gavel and scales representing jurisdiction.

The rise of nuclear verdicts: Protecting your business

In recent years, the number of nuclear verdicts has been rising. Nuclear verdicts are jury awards that exceed $10 million, and they happen more often than you may think. These massive awards have the potential to devastate the finances and reputation of a business. Because of this, understanding what nuclear verdicts are and how to protect your business against them is crucial.

Risk Management