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The pros and cons of term life insurance vs. permanent life insurance

One of the first and most important responsibilities embraced by every breadwinner is life insurance. As soon as you have loved ones depending on your income and sharing the obligation of your debts, you can provide them with guaranteed protection

Individual Life & Health
Wide Angle Shot of a Cheerful Young Adult Female Pilot Flight Instructor Flying a Small Single Engine Airplane

Insurance for private aircrafts

Owning a private aircraft is an investment, but it can also be a liability. It’s not just mid-air collisions you need to think about, either – even when your aircraft is grounded, losses can be caused by severe weather, crime

Home & Auto
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Top 5 mistakes when purchasing homeowners’ insurance

For most Americans, buying a home is by far the largest investment they will ever make. Whether the home is fully paid or is owned with payments to a mortgage company, homeowners’ insurance coverage is essential to protect the value

Home & Auto

May HR Update

FAQs Provide Guidance on Preventive Care Following Court Decision The ACA requires non-grandfathered health plans and health insurance issuers to cover a set of recommended preventive services without imposing cost-sharing requirements (such as deductibles, copayments or coinsurance) when the services

Compliance, HR
Father and baby at doctor's office

Maximizing the value of employee group insurance

If you own or manage a business, your investment in employee group insurance can help you retain top performers and attract new talent. However, simply providing a benefits package is not enough. In order to maximize the value of employee

Employee Benefits
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The best sourcing tools for recruiters

If you’re struggling to find suitable employees, you may need to be more proactive in your hiring process. The best candidate sourcing tools help recruiters and hiring managers find potential candidates and build a pool of qualified candidates. Hiring Managers

HR
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What is supplemental life insurance and how can it improve your employee benefits package?

What is supplemental life insurance? It’s a type of life insurance policy that’s often available through work and provides additional coverage. If your employees need affordable, accessible life insurance options to fill in coverage gaps – and if your company

Individual Life & Health
small business owner holding products

Disaster recovery plan for small businesses

Earthquake. Windstorm. Cyberattack. Disaster can come from any direction, and there is no way to predict a disaster or to prevent one from occurring. Disaster can strike at any time, and small businesses are particularly vulnerable to the ensuing disruption

Risk Management
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Logistics Insurance

Logistics companies play an instrumental role in keeping the supply chain moving by packaging, warehousing and shipping goods. In the process, they encounter numerous risks. Insurance for logistics companies helps keep these risks under control. Risks Facing Logistics Companies A

Business Insurance
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Liability insurance for horses

If you own horses, you already know they’re a significant financial investment: you need to feed them, stable them and care for them. To avoid costs related to lawsuits, you should also insure your horses. Having liability insurance for horses

Home & Auto
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Employee onboarding 101: Supporting retention and engagement

Are you leaving new employees to fend for themselves? If so, you’re not doing your workers or your company any favors. A thoughtful employee onboarding process can give your workers the tools they need to succeed, which can improve employee

HR

April HR Update

Federal Court Strikes Down Parts of ACA Preventive Services Mandate On March 30, 2023, the U.S. District Court for the Northern District of Texas issued a ruling that affects portions of the Affordable Care Act’s (ACA) preventive care services requirement.

Compliance
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Common homeowners’ insurance exclusions lurking in your policy

Since home repairs can be a major expense, you sleep better knowing you have homeowners’ insurance. If your home is damaged, your insurance will cover the repair costs. However, this is not always the case – sometimes the loss is

Home & Auto
A Korean man is at a routine medical appointment. His doctor is a black woman. The patient is sitting on an examination table facing his doctor. The kind doctor is listening as he speaks.

How to manage employer health care costs

Health care is a major expense in the U.S. – and employers bear much of the burden. However, cutting health benefits isn’t always a good option. In addition to meeting ACA requirements, offering attractive benefits enables employers to compete for

Employee Benefits
A worker sweeping the floor in an empty restaurant. The mid adult woman in her 30s is mixed race African-American, Native American and Caucasian. She is looking down at the floor with a serious expression.

Restaurant risk management

Running a restaurant can bring a lifetime of both personal and financial rewards. It can also be a daily challenge, requiring an owner or manager to face many risks, some of which are unique to the restaurant business. Risks in

Risk Management

March HR News Worth Review

ACA Pay or Play Penalties Will Increase for 2024 On March 9, 2023, the IRS released updated penalty amounts for 2024 related to the employer shared responsibility (pay or play) rules under the Affordable Care Act (ACA).  Under the pay

Compliance
Team of corporate professionals having discussion in a meeting in conference room.

Types of business insurance coverage

A primary duty of the business owner or principal manager is protecting the company from risks that could destroy assets or burden the business with heavy expenses. One of the best ways to provide that protection is with business insurance

Business Insurance
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Cyberattack prevention

Cyberattacks are becoming increasingly frequent and sophisticated, causing substantial harm to individuals, businesses and government agencies. According to a recent cybersecurity report from Accenture, the global cost of cyberattacks already exceeds $3 trillion each year, and losses are on track

Risk Management
Diverse business people waiting for job interview

Simplifying HR processes with the most popular ATS options

Recruiting top talent is a constant challenge for HR professionals. An applicant tracking system (ATS) can alleviate some of the burden. These programs can help with everything from posting job ads to sorting applications. However, HR teams have a multitude

HR
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Workers’ compensation vs disability insurance

When employees become ill or injured, they may be unable to work, but they still need an income. Workers’ compensation and disability insurance are two different types of programs that can provide benefits. Learn about the differences between workers’ compensation

Business Insurance, Employee Benefits
Happy young couple embracing standing outside big house on front porch, smiling owners enjoying luxury real estate wood and glass exterior design, buying home, mortgage loan, vacation rentals concept

Insurance for high-value homes

Anyone who owns a home should carry homeowners insurance. If your home is considered high-value, you may need to purchase coverage through an insurance company that specializes in protecting high-value properties. Although the exact cutoff value can vary, insurance companies

Home & Auto
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What is a contract bond?

What is a contract bond? A contract bond is a contractual guarantee given by the party accepting a contract, which protects the party offering the contract. The financial backing for a bond is provided by an insurance company specializing in

Business Insurance
people checking out at doctor office

What does coinsurance mean in health insurance?

You’re reading your health insurance policy and come across a coinsurance clause. You’re not sure how it impacts the coverage – what does coinsurance mean? Here’s what you need to know about this common insurance term. Cost Sharing in Insurance

Individual Life & Health
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Event risk management strategies and planning

When you host a concert, festival, or other event, you need to prioritize event risk management. If you’re not prepared, a situation can get out of control fast – and you could be held liable for any property damage and

Risk Management