Blog
Cyber Bytes: How Does Your Cybersecurity Stack Up to an Insurance Application?
Cyber liability insurance is becoming a necessity, not a luxury. The proliferation of data crimes has pushed cybersecurity into the risk management mainstream. If you don’t have a plan in place, it can affect your coverage...
Read MoreWhat Is Contractual Risk Transfer?
Risk comes in many forms, whether it's a fire destroying your property or a business partner suddenly dying. Insurance aims to transfer risk from one party to another, typically from a business or individual to an insurance company...
Read MoreApril is Parkinson's Awareness Month
Blue Ridge is dedicated to raising awareness about health and wellness. In 2023, it aims to spread the word about several awareness campaigns to educate people and show them how they can get involved. Let's kick off April by sharing...
Read More5 Before-Work Strategies To Improve Your Workday
Your morning sets the tone for the rest of your day. To achieve a positive, productive effort at work, it helps to maximize your time before you clock in.Try these five strategies to establish a routine that jump-starts your morning...
Read More10 Ways To Reduce Your Cancer Risk
According to the American Association for Cancer Research, almost half of all cancers are preventable. Following these tips from the Mayo Clinic and Harvard Health can help you protect your health now and well into the future. If...
Read MoreShow All
Reach Out to the Older Adults in Your Community
Thanks to improved health care and other societal advances, older people are living more productive, well-rounded lives. According to the U.S. Census Bureau, over 4.5 million older adults volunteer for programs that benefit every...
Read MorePreventing Downtime: Proactive Solutions for Equipment Breakdown
Equipment breakdowns are an unfortunate reality in many industries, and they can lead to costly downtime and lost productivity. When a piece of equipment fails, it's not just the cost of repairs that you have to worry about, but also...
Read MoreWhat Is Negligent Entrustment Liability?
Negligent entrustment is a type of liability that occurs when you allow (or entrust) an employee to use an item or a machine that could cause harm and that you know they aren’t qualified to operate. If they cause an accident, it...
Read MoreHay & Straw: The Forgotten Assets
If you have any livestock on your property, hay and straw are essential to keeping them fed and healthy. Make sure you're covered by talking to us about adding hay & straw coverage to your farm policy.
Read MoreFinancial Wellness Is a Priority for Generation Z
rst, the bad news. In a 2022 survey by the insurance company TIAA, only 12% of Generation Z employees rated their financial well-being as high. And almost 45% of Gen Z respondents said financial concerns had negatively impacted their...
Read MoreThe End of the COVID-19 Health Emergency: Potential Impacts to Consider
As the national health emergency period comes to a close, learn about potential impacts to consider for employer-sponsored health insurance plans and individuals.
Read MoreWhat Is Personal Umbrella Insurance?
Umbrella insurance is a kind of personal liability insurance that takes over when the liability limit on your standard homeowners, auto or other personal insurance policies is maxed out. Learn more about how it might benefit you.
Read MoreSetting Yourself Apart from the Competition: How Surety Bonds Can Help You Win Contracts
In a competitive market, having a unique advantage can make all the difference. One such advantage is the use of surety bonds. Surety bonds are often seen as a requirement for certain contracts, but they can also be used to set...
Read MoreMortgage Lender Myths: Why Am I Insured for More Than My Home’s Value?
I am asked this question often. Why am I insured for more than my home’s value? I want to reduce my dwelling coverage. First you must understand that there is a clear difference in a dwelling’s replacement cost and market...
Read MoreThe Top 10 Types of OSHA Violations and How to Avoid Them
OSHA (Occupational Safety and Health Administration) helps to ensure the health and safety of workers in the United States by setting and enforcing standards and providing training, education, and assistance. OSHA aids in reducing the...
Read MoreBeat Your Workers' Comp Auditor at Their Own Game
Have you ever gotten a great big bill after tying up an audit? I bet it was a surprise. Auditors get in and get out. They pick up the required information and away they go. No explanations and here’s the thing, they are not...
Read MoreFarm Insurance 101: When Homeowners' Insurance is Not Enough
What is farm insurance? Farm insurance is a unique and specific type of insurance coverage. Farm insurance protects the many assets you have worked so hard to gain and maintain over your life. A farm insurance policy offers protection...
Read MoreLazy Employees Are Costing You Money
In today's competitive business world, companies can’t afford to have employees who are not pulling their weight. Lazy employees can majorly impact a company's bottom line, affecting productivity, morale, and ultimately, the...
Read MoreAre My Truck Drivers Raising My Premium?
Insurance is one of the biggest expenses for businesses every year. Although some things are out of your control, for example, inflation, there are ways to be in control of your premiums and help you cut insurance costs....
Read MoreWorking Wellness Culture: Is it Growing or Going?
Your team is either getting better, or it is getting worse. Only two ways about it… Growth is the single most important metric for all businesses. Without measuring the most key element of the business, how can...
Read MoreIs Borrowing From Your 401(k) a Good Idea?
Taking a loan from your 401(k) to buy a house, pay off debt or send your children to college may seem like a good idea. But is it? Learn more about how these loans work and what financial experts recommend.
Read MoreOSHA Recordkeeping & Reporting, featuring the Risk Management Center
The Occupational Safety and Health Administration (OSHA) requires most employers with 10 or more full-time employees to keep a yearly log of all work-related injuries and illnesses. Stay up-to-date & compliant with this information.
Read MoreProtect Your Business from Gender Discrimination Claims Amid Challenges to EEOC
Title VII of the Civil Rights Act protects employees from gender discrimination, but recent court rulings against the EEOC are creating more questions than answers. Learn what you must do to avoid discrimination and retaliation claims.
Read MoreWhy Carbon Monoxide Detectors Are Important
Learn why carbon monoxide detectors are important for your home and how they can protect you from a deadly, invisible killer.
Read MoreImmigration and the Workplace: Mastering Form I-9 Completion and Avoiding Discrimination Claims
Learn best practices for completing Sections 1, 2 and 3 of Form I-9 and reverifying employment eligibility; how to participate in E-Verify; and tips for avoiding citizenship and national origin discrimination claims.
Read MoreCyber Bytes: What Is a Deepfake?
Deepfakes are an insidious weapon in the scammer arsenal of tricks. Learn how criminals use fake identities to get you to disclose information.
Read MoreInternational Travelers Beware: Understand the Laws of the Country You’re Visiting
Familiarize yourself with your destination country’s laws before traveling to reduce your risk of unintentional infractions and possible arrest.
Read MoreCOVID-19 Sick Pay — How Much Leave Must You Offer?
The landscape of COVID-19 sick leave and pay requirements is tricky. Learn about your paid leave obligations, which will depend on where you are located, conduct business or employ workers.
Read MoreRecognizing Frostbite
When your skin reaches 50 F or below, you are at risk of frostbite. Learn how to prevent frostbite and stay safe in cold conditions.
Read More5 Ways To Build Mental Health Breaks Into Your Workday
Mental balance is vital to your well-being. Incorporate these five simple actions into your day, and enjoy immediate and long-lasting health benefits.
Read MoreKnow Your Options Before You Get Behind the Wheel of a Rental Car
If you're driving a rental car & get into an accident, what are you covered for? What if someone breaks in and steals your personal belongings? Here's a guide to help you understand your coverage options next time you rent a car.
Read MoreProtect Your Skin From Winter Weather
You can protect your skin from winter weather by changing your skincare routine. Learn how to prevent dry skin and keep your skin healthy all winter long.
Read MoreHow To Make Your Habits Work for You
Learn how to use your habits to help you live healthier.
Read More2023 Changes to State and Federal Minimum Wages
Several states are raising their minimum wages in 2023. Find out if yours is one of them.
Read MoreGetting Your Small Business Started + 6 Smart New Years Resolutions As A Small Businessowner
A new year offers a fresh start and an opportunity to think about what you'd like your small business to accomplish over the next 12 months. Check out this list of key concerns and resolutions every business owner would be wise to consider.
Read MoreThree Ways to Control Risk
There are three main ways to control risk.The first way is to buy an insurance policy, the second way is to look at it from a risk management perspective, and the third way is to simply not do it. Step one is to decide whether or...
Read MoreWhat Is a Large Loss?
A large loss can cause massive problems for a business, often requiring demolition and complete reconstruction of a building or full replacement of inventory. Could your company survive that?
Read MoreVolunteering and Community Involvement Are Good for Your Mental Health
Volunteering and being involved in your community can benefit your mental health.
Read More5 Steps for Successful Incident Management
When an emergency occurs or there’s a disruption to your business, will you be prepared? Here’s what you need to do to successfully manage (and protect) your people and resources.
Read MoreSimple Ways To Make Your Office Holiday Party More Inclusive
Holiday gatherings can unintentionally exclude certain employees. Try these steps to create a festive event that embraces diversity and celebrates your workforce.
Read MoreAuto Accidents | What You Should Do + 15 Tips for Driving on Snow & Ice
As the weather gets colder, driving conditions become difficult. We hope you're never in an auto accident, but if you are, here's what you need to know and do. Follow these tips to stay safe while you’re driving on ice and snow this winter.
Read MoreA Breach from Within — Can Cybersecurity Insurance Help?
While some internal cybercrimes may be covered by your employee dishonesty policy, most cyber risk must be insured separately on a cybersecurity insurance policy.
Read MoreRevamping the Traditional Thanksgiving Meal
Put a new spin on the traditional Thanksgiving meal this year by making your recipes healthier and more flavorful.
Read MoreMake the Most of Small Business Saturday
Celebrate Small Business Saturday, and help your business and community thrive.
Read MoreKick Off Your Marketing Plan In Just Four Weeks
As a small business owner, you wear many hats. I'm sure you understand the importance of marketing your business in a digital age, but you may be struggling with where to start. Check out our four week marketing starter kit...
Read More6 Ways To Avoid an Insurance Claim This Thanksgiving
Check out these tips on how to lower your chance of a Thanksgiving Day incident and possibly avoid an insurance claim.
Read MoreHow to Prevent a Holiday Season Home Burglary
Nothing can ruin your holiday spirit faster than becoming the victim of a crime. Here are some of the best ways to keep burglars from targeting your home this holiday season.
Read MoreArts and Craft Artisans Have Unique Insurance Needs
Whatever your particular craft or skill, you need insurance to protect yourself financially. Whether you’re working from home, a studio or a workshop, arts and crafts business insurance can give you peace of mind.
Read MoreHSA-Eligible Health Care Expenses
Here is a list of just some of the health care expenses that qualify for tax-free distributions from your health savings account, or HSA.
Read MoreHow To Protect Your Small Business From Social Media Risks
Do you have proper insurance for your company’s social media presence? Learn how to protect your business from the various risks involved with having an online presence and collecting customer data.
Read MoreSocial Host Liability and the Big Game
Even if your team wins, you can still lose if one of your guests drinks too much and causes an injury. Learn how to avoid liability claims for your next get-together.
Read MoreBenefits Literacy Is at an All-Time Low, but Consistent Communication Can Change That
Only a third of your employees really understand their benefits. As a result, they may be missing key components of your program that help protect their health and financial well-being. Here's how to increase employee engagement for...
Read More2023 Compensation Trends — What Employees Want From Wages and Benefits
Keep up with compensation trends to successfully attract, hire and retain talent.
Read MoreUnderstanding Copays and Coinsurance
Health insurance terminology can be confusing, but you want to make the most of your coverage. Understanding the differences between these two terms will help you select the plan that’s right for you.
Read MoreAllergens and Antihistamines
While allergies are common, they should be taken seriously. Learn what causes allergies, how to treat them and some precautions to take when using antihistamines.
Read MoreWhen Fall Hits, Don’t Let the End of Daylight Saving Set You Back
Anticipating the end of daylight saving time can help smooth the transition for you and your family. Learn strategies for coping with the arrival of winter.
Read MoreInsurance & Succession Planning for Family Farms
The USDA reports that 98% of America’s farms are owned and operated by families. While many are small, they’re still businesses that need property and liability insurance. Insurance can also help keep the farm in the family long after the c
Read MoreBeyond Meditation: 4 Alternatives for Calming Your Mind
Does the thought of meditating leave your mind spinning? Try one of these options instead.
Read MoreProtection for Home Care Workers
Professionals who provide in-home care services do important work, but they need to be aware of certain hazards and carry the right insurance coverage to protect them against liability claims.
Read MoreHow To Achieve Work-Life Balance
Keeping life and work in balance can be challenging, but it's possible if you set priorities and reduce trivial tasks.
Read MoreWhat Are Blanket Coverage and Margin Clauses?
Blanket insurance is a convenient way to insure similar classes of property, but make sure your valuations stay up to date so you don’t get penalized. Watch out for margin clauses, which limit how much increase in value insurance covers.
Read More10 Common Causes of Workplace Injuries (For Supervisors)
Most workplace injuries are caused by unsafe practices or conditions. Learn about the common causes of workplace injuries and how to prevent them.
Read MoreCOBRA: How To Avoid Compliance Missteps
Most group health insurance plans are required to offer continuation of health care coverage under the Consolidated Omnibus Budget Reconciliation Act. Learn who’s covered & how to manage notice, compliance, and election procedures.
Read MoreWhy Ransomware and Jackware Matter to Your Business
Learn about ransomware and jackware, threats designed to lock out your data and hijack your network.
Read MoreShould New W-4s Be Required for the New Year?
Personal or financial changes in employees’ lives may require changes to their W-4s.
Read MoreWhat Are Some Common Exclusions on Commercial Policies?
While there are broad, basic insurance policies for your property and liability risks, many costly perils and incidents are excluded. For most of these, you can secure a secondary policy.
Read MoreAre You Ready for Greater Pay Transparency and Disclosure?
Employees want more information about salaries. State laws are increasingly requiring it. And business practices are changing to keep up. Discover the challenges and opportunities ahead.
Read MoreNew EEOC Guidance on COVID-19
The Equal Employment Opportunity Commission has updated its Q&As on how to comply with the Americans with Disabilities Act when it comes to COVID-19 testing, inquiries and more. Learn the practical impact on your workplace policies.
Read MoreHave You Completed Your Medicare Part D Disclosure?
If you offer a prescription drug plan, you must provide employees and the Centers for Medicare and Medicaid Services (CMS) with information about your plan every year. Oct. 15 is an important deadline. Here’s what you need to do.
Read MoreWhy Cyber Insurance Is Essential To Your Small Business Risk Management Portfolio
Small to midsize businesses are easy targets for hackers, and just one data breach can bankrupt you. Reboot your risk portfolio and learn how cyber insurance can protect your income.
Read More10 Safety Tips For Supporting A Safe Work Environment
Maintaining workplace safety is important for any business owner, but even more so important for an industry like Oil and Gas with so many diverse types of equipment and activities that pose an elevated risk to workers. Here are ten tips.
Read MoreKnowing the Difference Between Term & Whole Life Insurance
Understanding how different life insurance policies work can be confusing. We’ve made it easy for you. Learn about the differences and similarities between term and whole life insurance.
Read MoreAre Workplace Conversations Leaving You Exhausted?
If interacting with colleagues has you feeling rusty or tired, you’re not alone. Different social skills apply to remote, in-person and hybrid communication. Here’s how to adapt.
Read MoreBack Pain Prevention
Back injuries are often caused by daily activities like lifting children or shoveling snow. Learn about proper positioning and posture to stay healthy and pain-free.
Read MoreAvoid Attractive Nuisance Liability
Attractive nuisance exposures are common and risky. Pools, koi ponds, fountains, playsets, trampolines, weapons and even discarded appliances may both attract and endanger children. Read on to understand, prevent and insure against these.
Read More7 Steps for Improving Psychological Safety in Your Workplace
A psychologically safe work environment requires commitment throughout your organization, but the rewards can be immense. Here are seven steps to help you on your journey.
Read MoreLow-Cost Ways To Increase Employee Happiness and Productivity
Making your employees happier doesn’t have to be expensive. But the payoff can be huge. Learn about cost-effective strategies to boost workplace satisfaction and performance.
Read MoreUsed Farm Tractors - More Valuable Today Than Ever
You spend your life dedicated to your farm. With farm tractor prices displaying record prices, it is important to make sure you are properly insured going forward.
Read MoreHow To Keep Your Cholesterol in Check
If you have high cholesterol, there are simple steps you can take to get your number down. Basic lifestyle and dietary changes can make a world of difference.
Read MoreHow To Recognize Signs of Depression in a Child or Teen
Learn how to recognize signs of depression in children and teenagers.
Read MoreIs It Time To Expand Your Succession Plan?
Employees are departing jobs at historic rates. Identifying advancement opportunities throughout your organization can help you reverse that trend and fill open positions when they occur.
Read MoreProviding Health Coverage To Employees: Is there a tax break?
There are many factors to consider when it comes to determining taxable business expenses. Learn what things you'll need to know when it comes to tax breaks for providing health coverage.
Read More4 Strategies To Help You Overcome Labor Shortages
Resignations and job vacancies are all over the news, but the right strategies can help you find the talent you need to keep your business humming.
Read MoreWhy State Minimums Are Not Enough
Automobile Liability Insurance You are in the market for auto insurance and the only thing on your mind is "what's the cheapest option?" Typically, your lowest cost auto policies means state minimum coverage. While this may save...
Read MoreWhat Are Some Common Exclusions on Homeowners Insurance?
Your homeowners insurance gives broad protection from costly losses, but not every incident is covered. Know what your insurer excludes and how to protect yourself from those events.
Read MoreDoes Your Auto Policy Cover Ridesharing?
Do you drive for Uber or Lyft? Chances are your personal auto insurance policy doesn't cover you. Learn about the insurance you need when driving for a ridesharing company.
Read MoreAll About Self-Funded Insurance
There are three types of group health plans that most employers use: self-funded, level-funded, and fully-insured. Though the names may sound self-explanatory, do you truly understand all there is to know about each type? In this...
Read MoreWhat to Know About Fully-Insured Insurance
There are three types of group health plans that most employers use: self-funded, level-funded, and fully-insured. Though the names may sound self-explanatory, do you truly understand all there is to know about each type? In this...
Read MoreLevel-Funded Insurance: the Ins, Outs, and Everything In-Between
There are three types of group health plans that most employers use: self-funded, level-funded, and fully-insured. Though self-funded and fully-insured descriptions match their names, what in the world is a level-funded insurance...
Read MoreIs Your Business Vulnerable to Employee Theft?
Find out if your company is vulnerable to employee theft and learn how to prevent it with these tips.
Read MoreA Handy Checklist for Daily Diabetes Management
Keep this checklist handy to help you stay on top of your daily diabetes to-do's.
Read MoreWhat Is Vicarious Liability?
When an employee or someone in your charge commits an act that harms someone else, you or your company could be named in a lawsuit as the responsible party.
Read MoreThe Long and Short of Telomeres and Aging
Telomeres are part of our chromosomes and are linked to the aging process. These lifestyle tips may help keep your telomeres stable and you feeling younger and healthier.
Read MoreCoping With Stress
Feeling the stress of your job, family or overall life? Follow these simple tips to deal with stress and boost your well-being.
Read MoreHSA vs. FSA: What's the Difference?
Both a health savings account (HSA) and a flexible spending account (FSA) are tax-advantaged savings accounts that help you save money on qualified medical expenses. Though they may have some similar features, they are distinct...
Read MoreEverything You Need to Know About RV Insurance
Recreational vehicles, or RVs, are our homes away from home. To many, RVs are a way to get out and about, while still maintaining a sense of comfort. You can travel in style without the hassle of finding hotels and constantly...
Read MoreSupply Chain Corruption Is a Risk That Should Not Be Ignored
Corruption can occur anywhere along your supply chain. Bribery, bid rigging and kickbacks can impact your brand without your knowledge. Learn how to protect yourself from these unethical practices.
Read MoreProbiotics and Gut Health
Probiotics may help promote a healthy balance in your gut bacteria, which has numerous health benefits. Learn more about the benefits of probiotics.
Read MoreCow Appreciation Day: What It Means to Me
I’ve been raising and showing beef cattle for almost 40 years now. Until recently, I had no idea there was such a thing as “Cow Appreciation Day.” My daughter and I continue to actively travel across the United States...
Read MoreUnderstanding Stop-Loss Insurance
Adopting a stop-loss insurance policy is common for employers who offer their employees a group health plan. Having a group health plan is important for business growth. Employees are the heart and soul of the business...
Read MoreWhy is Insurance so Expensive?
Insurance comes in many different forms: life, health, auto, property…you name it. If there’s one constant, it’s the fact that everything is subject to change. We can’t prevent the unexpected from...
Read MoreHow To Avoid NLRA Claims Amid New Push for Union Representation
Recent union-organizing activities at corporate giants like Amazon, Starbucks and Apple have thrust unions into the national spotlight. Learn the impact of these developments and get tips on how to avoid compliance missteps under NLRA.
Read MoreHow To Conduct an Effective, Thorough and Legal Workplace Investigation
Learn how to conduct a workplace investigation in a way that gets to the bottom of the issue and minimizes your legal risks.
Read MoreNew Federal Guidance on AI, Algorithms and Automated Decision-Making Tools
Artificial intelligence and automated decision-making tools can be a major asset to your recruitment and retention goals. But they can also expose you to discrimination lawsuits.
Read MoreACA Basics: How a Midyear Acquisition Can Affect ALE Status
Are you considering an acquisition with an organization that has a different applicable large employer status? If so, the Affordable Care Act may leave you with as many questions as answers. Work with your advisors, & read on for guidance.
Read MoreApartment Hunters Checklist and Renters Insurance Refresher
Use this checklist to spot red flags before signing a lease and fill any gaps in your renters insurance.
Read MoreDo You Have Enough Auto Insurance?
Choosing the right auto insurance coverage and limits can be daunting. This guide will help you select the most appropriate options.
Read MoreHow to Reduce the Stress of Small Business Payment Processing
With any business, payment processing can be extremely stressful. Finding and choosing the right payment processing solution can be daunting, knowing dealing with it could be costly and time-consuming. Plus, once you have...
Read More9 Tips For Marketing Your Small Business
Whether you are just launching your business or have been in business for years, having a strong online presence is important. 81% of shoppers conduct online research before making a purchase. A digital marketing strategy is no longer...
Read More20 Ideas to Help Your Small Business Reduce Expenses
Running your own small business can be an expensive process. You have your employees to pay, you have to buy your supplies and space, and you must decide how to promote your business. Though these may seem simple...
Read MoreCoverage Review Checklist & Quiz: Check Your Business' Liability Risk
Your business insurance might be up for renewal soon. Use our quizzes and checklist to review your business operations and seal any gaps in liability protection.
Read MoreWhy Do Social Media Influencers Need Insurance?
With constant exposure of your life to the public, social media influencers face unique risks. Therefore, influencers should receive protection from liabilities. Here’s why social media influencers need insurance.
Read MoreWhat are deductibles?
When you’re shopping for coverage with an insurance company, you may have several options from which to choose. Having some knowledge of the basic terminology is beneficial in understanding the plans and picking the one...
Read MoreOvercoming Anxiety at Work
How we respond to stress is unique to each of us. Learn to recognize what makes you anxious and how to design a plan to combat that anxiety in the workplace.
Read More6 Tips To Stay Focused All Week Long
A productive start to the week can help set you up for success for the entire week. Learn strategies for staying focused at work every day.
Read MoreBenefits of a Commercial Package Policy vs. a Business Owners Policy
The convenience of a business owners policy is attractive to many business owners. Even so, you might get better coverage, customization and overall savings with a commercial package policy that’s designed for your industry.
Read MoreAre You Putting Too Much Pressure on Your Kids?
When parents put too much pressure on their kids to perform, it can be at serious cost to the child. Learn some ways to take the pressure off.
Read MoreHow To Create a Legally Sound Drug Testing Program
Post-accident drug positivity rates are up significantly over preemployment drug tests for marijuana, cocaine, opiates and oxycodone. Learn some practical pointers for legally compliant workplace drug testing.
Read MoreTalking Trash & Data Security
Secure disposal of physical data like paper printouts, disc drives, devices and hardware is often overlooked, but vitally important.
Read MoreStay Healthy With Smart Cooking Techniques
Improve your diet by cooking healthy foods in delicious ways. Learn about healthy preparation techniques, equipment and spices.
Read MoreWhat is E-Mod?
Experience modification, commonly referred to as “e-mod,” is an important calculation in determining your worker’s compensation premium. From IRMI, an experience modifier is a factor developed by measuring the...
Read MorePlumbers, Do You Have The Right Insurance?
Plumbing has its rewards – and its risks. You could be cleaning a sewer line, connecting a gas stove, or on your back all day under a sink. There are risks of injury, liability if you make a mistake, & property damage.
Read MoreLivestock & Equine Mortality - Are you protected for the unexpected?
I was down at my daughter and I’s barn this afternoon watching our beautiful, one day old heifer calfrunning around the pen. All of our cows have really good bloodlines and this little calf’s Momma topsthe list. I...
Read MoreTwo Out of Three American Homes Are Under Insured: Don't Be One of Them
A home is the largest investment you will probably ever make.And according to Nationwide, about two out of three every American homes are underinsured. The underinsurance amount is typically 22%. This means that millions of people...
Read MoreHow Do Insurance Claims Work?
Filing a claim brings your insurance experience full circle; the coverage that you have been maintaining is now being put to use for your protection. Read here to learn how insurance claims work.
Read More5 Reasons To Purchase Travel Insurance
For those fortunate enough to travel, there are few things as important as securing the best possible travel insurance in case of an unforeseen incident or illness.
Read MoreDrivers, Try These Fuel Conservation Tips
Tame your gas usage with these fuel-saving techniques.
Read MoreTips for a Sustainable Heart-Healthy Diet
In 2021, the American Heart Association (AHA) provided new recommendations for heart-healthy eating for the first time in 15 years. Here are some ways to incorporate sustainable tips into your daily eating habits.
Read MoreIs Your Child Addicted to Video and Internet Gaming?
No doubt, video and internet games are designed to keep your children engaged. But can gaming be unhealthy? When does gaming become an addiction?
Read MoreHow To Manage and Overcome Fear of the Unknown
Uncertainty fills many people with fear and anxiety. Fear is a natural response that our bodies developed over time to protect us from danger. Learning how to manage fear of the unknown is crucial to your health and long-term happiness.
Read More2022 Compensation Trends — What Employees Want From Wages and Benefits
Wages are expected to rise by nearly 4% in 2022, according to The Conference Board’s Salary Increase Budget Survey. This amounts to the biggest wage-cost hike since 2008. According to the report, there are likely two primary...
Read MoreHow To Manage Chronic Back Pain Without Opioids
If you’re one of the millions of Americans who suffer from chronic back pain, you know it’s a challenge. Chronic pain can affect your ability to live your life. Read these tips to learn how to manage chronic back pain without opioids.
Read MoreDo You Need Life Insurance in Your Twenties?
In your 20s you are typically focused on starting the next phase of your life. You may be concerned about rent or mortgage payments, paying off your student loans, or saving to buy a car or house. Life insurance is not high on your...
Read MoreState Mandated Employee Benefits
Federal law requires medium and large organizations to provide their employees with five main benefits; however, each state also requires additional benefits. The government mandated benefits are: Social Security and...
Read MoreWage and Hour Compliance in the New World of Work
With the large shift to remote and hybrid workforces — and the growing likelihood that some of your employees may work from home in different cities and states — it’s important to pay close attention to your wage and...
Read MoreNew Federal Law Bars Forced Arbitration of Sexual Harassment Claims
Start reviewing your mandatory arbitration agreements. That’s what labor and employment law firms across the country are recommending now that the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021 has...
Read MoreAre You Protected Against an Employee Lawsuit? EPLI & Why It Is Important to Your Business
Employment practices liability insurance (EPLI) protects employers from the costs of allegations of wrongful acts arising from the employment process. Are you fully covered in the event that an employee sues?
Read MoreUnderstanding Umbrella Insurance
Liability lawsuits are unpredictable. Juries are increasingly giving outsized awards to plaintiffs, and about any accident can become prey to unscrupulous – even manufactured – claims of severe injury. While...
Read MoreUnderstanding Umbrella Insurance
Liability lawsuits are unpredictable. Juries are increasingly giving outsized awards to plaintiffs, and about any accident can become prey to unscrupulous – even manufactured – claims of severe injury. While...
Read MoreThe Facts on Flood Insurance
No home or business is completely safe from flood damage. Are you fully covered? Why risk it?
Read MoreHow Much Life Insurance Do I Need?
Before you can buy life insurance you need to determine how much you actually need. Life insurance is a vital investment to protect your loved ones if you pass away. It pays more than just funeral expenses, although, this is the...
Read MoreTypes of Cyber Attacks & How To Prevent Them
Cybercrime is predicted to cost us $10.5 trillion by 2025 globally. According to Verizon’s Data Breach Investigation Report, 43% of cyber-attacks are aimed at small to medium sized businesses and only 17% are...
Read MoreLong-Term Care Insurance FAQs
Trying to figure out how long you'll live and how much money you’ll need in retirement is a hard calculation to make for most people. That’s why many adults consider purchasing long-term care insurance. Long-term care...
Read MoreState Minimum Liability Is Not Enough Coverage
Automobile Liability Insurance You are in the market for auto insurance and the only thing on your mind is "what's the cheapest option?" Typically, your lowest cost auto policies means state minimum coverage. While this may save...
Read More3 Techniques to Keep Employee Data Safe
You have a legal and moral obligation to keep employee information safe. Here is how to safeguard your data in 3 easy steps.
Read MoreIs Telematics Right For Your Fleet?
Is Telematics Right For Your Fleet? The use of commercial vehicles involves a wide range of risks and costs. There's the potential for traffic accidents, thefts, injuries, fatalities and liability claims, and that’s even before...
Read MoreShould I Bundle My Home & Auto Insurance?
Should I Bundle My Home & Auto Insurance? Finding the right personal insurance for your unique needs is challenging. That is why our team will work with you to ensure you are always getting the best coverage and best price we can...
Read MoreHow Much Your Personal Data is Worth on the Dark Web?
Why You Need Personal Cyber Insurance T-Mobile was hit by five cyberattacks in four years. Over 50 million former and prospective customer accounts were affected in the most recent cyber attack, exposing personal information ranging...
Read More8 Ways to Build Healthier Eating Habits in the Workplace
Providing nutritious food options has benefits within and beyond the workplace. How can you help your employees build healthier eating habits?
Read MoreWhat is a surety bond?
A surety bond is not an insurance policy. It’s a three-party contract that guarantees you will complete the work according to the timeframes and costs outlined in a construction agreement. Does your job call for a surety bond?
Read MorePost-Pandemic Workforce Trends Could Lead to Liability
Post-Pandemic Workforce Trends Could Lead to Liability Though retail and restaurants have been hit particularly hard by the lack of employees this year, technology, insurance, healthcare, and other skilled-worker sectors are also...
Read MoreYou've Been Hacked, Now What?
You've Been Hacked, Now What? Cyberattacks are on the rise. The total number of cyberattack-related data compromises was up 27% in 2021, and on average, a cyber-attack will cost your company over $200,000. The aftermath of a...
Read MoreDo You Have A Solid Cyber Incident Response Plan?
Do You Have A Solid Cyber Incident Response Plan? Cyberattacks have become one of the most prevalent security concerns in recent years, with businesses commonly at the center of the storm. There are frequently stories in the news,...
Read MoreWhat is Term Life Insurance?
What is Term Life Insurance? There are many financial products on the market that can increase protection for your family in the event of your death, but one in particular targets high-payout, short-term needs. Term life...
Read MoreShould You Consider Telematics or Usage-Based Insurance?
Should You Consider Telematics or Usage-Based Insurance? Traditional Automobile Insurance costs are based on factors relating to your vehicle and driver profile, neither of which have to do with your day to day driving habits. ...
Read MoreIs It Time To Address Sick Days for Your Remote Employees?
Is It Time To Address Sick Days for Your Remote Employees? Over the past few years, the rise in remote work has become crystal clear. But an issue that remains hazy is the role of sick days for remote employees. Two-thirds of remote...
Read MoreWhy Metrics Are So Important in Your DEI Efforts
Why Metrics Are So Important in Your DEI Efforts In October 2021, big-name companies including Google, Apple and Twitter pledged to improve collective efforts and accountability for diversity, equity and inclusion (DEI) in the...
Read MoreRethink Your EAP To Increase Employee Awareness and Usage
Rethink Your EAP To Increase Employee Awareness and Usage The first employee assistance programs (EAPs) were created in the 1930s to help employees manage their personal challenges and remain productive at work. But while they’re...
Read MoreThe Growing Need for Personal Cyber Insurance
The Growing Need for Personal Cyber Insurance The internet has made our lives easier, but it comes with its share of risks. In just one week, you could receive a threatening automated phone call, 200 junk emails, five worrisome...
Read MoreBusiness Inventory Checklist
Business Inventory Checklist Creating a detailed business inventory is nobody’s favorite task, but it’s an important one. In the wake of a theft, fire or natural disaster, it may be too late to reconstruct a full...
Read MoreAre You Prepared if Something Happens to Your Business Partner?
Are You Prepared if Something Happens to Your Business Partner? Your business general liability policy usually covers liability threats from the outside, but what happens when the liability occurs within your business and...
Read MoreOwn a Historic Building? Consider These Unique Situations
Own a Historic Building? Consider These Unique Situations Historic buildings give businesses an opportunity to serve their customers from one-of-a-kind locations, often with stunning architecture and charming curb appeal, while...
Read MoreCreating a Company Culture By Boosting Company Culture
Creating a company Culture by Boosting Employee Engagement We hear the term ‘Company Culture’ often. But this leaves many Employers scratching their heads. Do we have a Company Culture? How do we create...
Read MoreWhat is Whole Life Insurance?
Who Needs Whole Life Insurance? Whole life insurance, also known as permanent life insurance, lasts a policyholder’s whole lifetime, provided required premiums are paid. This is in contrast to term life insurance, which is...
Read More2022 Benefits Trends
2022 Benefits Trends When it comes to employee benefits, no year is ever the same. But the past few years have made “different” seem like a vast understatement. Expect more changes in 2022 in the midst of ongoing pandemic...
Read MorePrepare Your Vehicle for Winter Weather
Prepare Your Vehicle for Winter Weather Winter is here, so make sure you are prepared. Don’t get caught off guard this winter. Use this checklist as a guide to prepare your vehicle for the cold weather and assemble your roadside...
Read MoreThe 10 Most Important Terms in Your Auto Insurance Policy
The 10 Most Important Terms in Your Auto Policy Excited about your car insurance? As soon as you received your policy, you read it from cover to cover, right? Truth is, most people don’t ever bother to read their auto...
Read MoreCan Crop Insurance Save My Farm?
Can Crop Insurance Save My Farm? I have the privilege of talking to many farmers each day. No matter if they are grain farmers, hay producers, or have a livestock operation, the common concern that is on everyone’s mind for 2022...
Read MoreLife Insurance 101
Life Insurance 101 Not everyone needs life insurance. If you are unsure if you need it, ask yourself if anyone relies on you financially or if you share debt with anyone. If you answer yes to either of these, you probably need...
Read MoreHere's What You Need to Know About Insurance Premiums Rising
Here's What You Need to Know About Insurance Premiums Rising Businesses are reopening across the nation and a sense of normalcy is cause for celebration. But you might want to hit the brakes on the festivities when your...
Read MorePersonal Inland Marine Insurance
Personal Inland Marine Insurance If you are purchasing or already purchased a high-value item it is important to reach out to your insurance agent to verify that it is insured. In many cases, your...
Read MoreUnderstanding Umbrella Insurance
Understanding Umbrella Insurance Liability lawsuits are unpredictable. Juries are increasingly giving outsized awards to plaintiffs, and about any accident can become prey to unscrupulous – even manufactured –...
Read MoreYour Church Needs Professional Liability
Your Church Needs Professional Liability Insurance A church is much more than just a building, it is a place of spiritual renewal and gathering for prayer, counsel, ministry, and community. The...
Read MoreShould We Make The Fireman A Plate? Holiday Safety
Holiday Safety Tips Am I ready to host my home holiday event? It is officially, what the world describes as "Holiday Season". As we bound forward into Thanksgiving, Christmas and New Year. For many it is truly the most wonderful time...
Read MoreNine Tips To Protect Yourself While Online Shopping
Nine Tips To Protect Yourself While Online Shopping Online shopping is efficient and fast. From clothes, to appliances, to groceries - anything you could possibly want to purchase is at your fingertips! You search what you are looking...
Read MoreIs Your Farm Protected?
Is Your Farm Protected? Growing up, I was somewhat blessed to be raised by parents who had a bit of a gypsy soul. Depsite their divorce, and living on opposite sides of the country, they managed to instill some of the same values...
Read MoreAre Your Grains Protected?
Are Your Grains Protected? A question we hear frequently is, "I have my grain bins & grain complex insured on my farm policy. Isn'tthe corn and soybeans stored in them covered automatically?" Unfortunately, No, they aren't...
Read MoreLower Your Commercial Auto Insurance
Lower Your Commercial Auto Insurance Business insurance can be a major expense for many companies. Finding ways to minimize costs can be extremely helpful to your commercial business. Finding ways to minimize your commercial auto...
Read MoreWhy Do I Need Insurance?
Why Do I Need Insurance? Life happens.. Right? To often I hear people say, "Insurance is a rip off", "We are being forced to pay for nothing" or "I don't need insurance, I am safe, careful and prepared".. But ARE YOU REALLY? I can't...
Read MoreHow To Protect Your Company From A Phishing Attack
Save Your Company From Cyber Crime? Cybercrime is a lucrative business. Nefarious fraudsters never tire of dreaming up new and inventive ways to target businesses and their employees. Could you be sleepwalking into a major...
Read MoreAgritainment: Consider This
Agritainment: Consider This It’s that time of year - the leaves are changing, it’s time to go pumpkin picking, grab an apple cider, and traipse through a corn maze. As a farm owner, you know farming...
Read MoreDoes Your Policy Cover Rebuild Cost? Ordinance Coverage Can Help
Does Your Policy Cover Rebuild Costs? However, when your contractor applies for the construction permits, there's a new wrinkle: Your home isn’t up to current electrical code standards. Since you’re technically rehabbing a...
Read MoreHow to Prevent A Phishing Attack
How to Prevent a Phishing Attack Phishing scams are the most common cyber attack you're likely to experience. We've all seen one a scam promising us a million dollars if we act now, or a fake email from Amazon wanting to provide an...
Read MoreA Wellness Plan Could Save You Money
A Wellness Plan Could Save You Money Disengaged workers cost the U.S. economy more than $450 billion in lost productivity each year. (source: Optum) However, employers offering wellness programs report...
Read MoreDo You Need Professional Liability Insurance?
Do You Need Professional Liability Insurance? If you provide a service, chances are you need professional liability insurance. Also known as errors and omissions insurance, this coverage protects your company and your bottom...
Read MoreDon't Lose Sleep Over Cyber Security
Don't Lose Sleep Over Cyber Security On average, a cyber attack will cost a company $200,000 on average. Causing many to go out of business. Having a solid cyber security plan in place is the first step in protecting your business....
Read MoreWhat Is Professional Liability Insurance?
What is Professional Liability Insurance? If you regularly provide professional advice or services, you can be sued - even if you do everything right. Do you have the right insurance to protect yourself? Professional liability...
Read MoreSelf Funded vs Fully Insured vs Level Funded Plans
Types of Health Plans When it comes to group health insurance there are three types: fully insured, self-funded, and level funded. A fully insured plan removes most of the risk from the employee and employer and puts...
Read MoreTwo Out of Three American Homes Are Under Insured
A home is the largest investment most people will ever make. And according to Nationwide, about two out of three every American homes are underinsured. The underinsurance amount is typically 22%. This means that millions of people...
Read MoreInsurance for Jewelry
Why Insure Jewelry? Jewelry is covered under most homeowners and renters insurance policies, but many have exclusions and coverage limits. A basic policy may have limits as low as $1,500. While theft is typically a covered peril,...
Read MoreGap Insurance
Do You Need Gap Insurance? Few things are more upsetting than learning you owe money for a vehicle that was wrecked or stolen through no fault of your own. But that is often the case for those without guaranteed asset protection,...
Read MorePersonal Auto Insurance Tailored to You
Whether you’re purchasing your first set of wheels or shopping for better coverage, we’ve got a personal auto insurance plan that’s right for you. From families with teen drivers to the owners of classic cars, we...
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