Blog

Heart disease is the leading cause of death for women in the United States. Too often, women don't seek medical attention because they miss the signs or don’t recognize the symptoms of heart disease. That’s because the...

Staying fit and active doesn’t require a gym membership, a jogging trail or expensive equipment. With the right at-home workout, you can keep your body healthy at very little cost. You may even save time, too. The key is staying...

Suicide. It’s a tragic topic no one wants to think about, yet it affects everyone. Suicide is the 11th leading cause of death in the U.S., according to the Centers for Disease Control and Prevention. And it’s the second...

Preparation is the best way to protect your home and loved ones against the dangers of a hurricane.  Use the following checklist to prepare for a hurricane. Sign up for your community’s emergency alert warning system....

Standard commercial property insurance policies, including business owners policies, have traditionally covered damage to physical property from riots, civil commotion and vandalism. Both named-perils and all-risks policies typically...

A written contingency or succession plan is a necessary step in business ownership. Yet PwC’s 2021 U.S. Family Business Survey found only 34% of family-owned companies had a documented and communicated succession plan. Your...

Modern cars and trucks work in concert with telematics for safer driving, increased fuel economy and fewer delays. But connected vehicles are also bringing cybersecurity and cyber liability coverage into focus. Electric vehicles (EVs)...

Extreme weather events have made insurance companies leery of offering coverage in disaster-prone areas. But insurance is necessary, and businesses are paying more for fewer coverage options in many locations and industries. Enter...

Wellness programs often focus on managing health issues like high blood pressure, diabetes and cholesterol levels. Helping employees maintain good lung health is just as important. The Centers for Disease Control and Prevention (CDC)...

Going green has become a business imperative as employees increasingly want to work for employers that prioritize the environment. Fast Company reports nearly 75% of millennials would accept less pay to work for an organization with...

Everyone wants to make and save money. But not everyone knows how to balance their budget for success. Within the past decade, financial wellness programs burst onto the employee benefits scene to help tackle this issue.

Change management is more than a buzzword. It’s fundamental to business success in a world that continues to see massive, rapid transformations.  Change management dictates how you prepare for, deliver and follow through on...

What is Construction Insurance?  Construction insurance, also known as contractor's insurance or builder's insurance, is a type of insurance coverage designed to protect individuals or companies involved in construction projects....

In the hospitality industry, hotels face various risks related to their property and the safety of guests and employees. Mitigating these risks is vital for a safe and secure environment, safeguarding valuable assets, and minimizing...

Running a business comes with a multitude of responsibilities, one of which is obtaining suitable insurance coverage to protect against potential risks. However, there are instances where businesses face challenges in securing insurance due

To become DOT compliant as a trucker, you need to follow specific guidelines and regulations set by the Department of Transportation (DOT) and the Federal Motor Carrier Safety Administration (FMCSA). Here are the steps to become DOT...

As insurance premiums continue to rise across the board in a challenging market, it is important to understand the driving factors behind these increases. Insurance companies are navigating a hard market environment, characterized by...

Insurance policies can be complex and filled with technical jargon, making it challenging for individuals and businesses to fully grasp their coverage. One term that often causes confusion is "additional insured."

Advertise your business for free. You can create websites, social media accounts, blogs, podcasts, and more.

Manufacturing companies are the backbone of economic progress and innovation in any country. To support their growth and success, governments worldwide offer various incentives and grants. These programs aim to encourage technological...

How to Become DOT Compliant

Megan Prince

Monday, June 19, 2023

To become DOT compliant as a trucker, you need to follow specific guidelines and regulations set by the Department of Transportation (DOT) and the Federal Motor Carrier Safety Administration (FMCSA). Here steps to becoming DOT compliant:

Pregnancy loss can be physically challenging and emotionally devastating. While employees who work immediately following a miscarriage are at risk of worsening physical and mental health outcomes, that scenario has been the...

About 48 million people have hearing loss. And around 22 million employees are exposed to harmful noise levels at work, according to the Hearing Loss Association of America. Despite the prevalence of hearing loss, the American...

Nearly half of U.S. employees are coping with burnout, according to a 2023 survey from Eagle Hill Consulting. In addition to personal struggles, burnout negatively impacts the workplace through increased health challenges, reduced...

Stress and anxiety continue to pose a risk to employees and employers. More than 45% of workers feel burned out, according to a 2023 survey from Eagle Hill Consulting. To alleviate the mental health challenges facing employees,...

As the years pass, get ready for the newest generation moving into the workforce: Generation Z. Just like every generation before them, you will have to adapt to the unique tastes, personalities, and points of view of these new Gen Z...

As an owner of a technology company, it's crucial to understand the various risks and liabilities associated with management responsibilities. One effective way to protect your business and its leaders is through management liability...

In today's rapidly changing world, employees are seeking more than just a paycheck from their employers. They want benefits that will support them in all aspects of their lives, including their physical, emotional, and financial...

Business is like a box of chocolates; you never know what you’re going to get.  Planning without purpose is like throwing out that flavor map that comes with the box.  One of my favorite topics to talk to business...

Insurance can be a complicated and often misunderstood topic, and there are many myths and misconceptions out there. Unfortunately, believing these myths can lead to costly mistakes when it comes to choosing the right insurance...

Did you know that if you’re driving and talking on your mobile device, you are over four times more likely to be involved in an accident? Let’s look at what constitutes distracted driving, what the consequences...

The federal Fair Labor Standards Act guarantees overtime pay to covered employees who work more than 40 hours in a given workweek. Employees working in executive, professional and administrative roles are often exempt from this...

Employers may not offer employees severance agreements that require them to broadly waive their rights under the National Labor Relations Act (NRLA), according to a decision issued by the National Labor Relations Board (NLRB)...

In 2020, an estimated 49.6 million people used marijuana, according to the National Survey on Drug Use and Health. And the Center for Advancing Health reports that as of December 2022:Only six states had not legalized...

The Equal Employment Opportunity Commission (EEOC) will begin collecting 2022 data for the mandatory EEO-1 report in mid-July. The deadline for submitting EEO-1 data has not yet been announced. The starting and ending points for...

Diabetes impacts about 35 million people in the United States. This equates to one in eight adults. The costs to individuals and employers are staggering. According to the most recent data published by the American Diabetes...

In some circles, side hustles have taken on mythic proportions. They may be a way to demonstrate personal passions and hidden talents, save for a dream vacation or test out a business venture. On the other hand, side hustles can...

Unlimited paid time off (PTO) has been around for more than a decade. Yet it still tends to evoke images of employees asking for 300 days off a year because … it's unlimited, right?The reality is far different. In fact, employees...

Few could have predicted the world-altering changes of the past few years — the COVID-19 pandemic, historically high inflation, global unrest and sweeping social movements. Yet change itself is to be expected. The average...

As a member of Generation Z, you are part of the most diverse and digitally savvy generation to date. You also face unique financial challenges, from student loan debt to a volatile job market. With the typical annual salary for a Gen...

If you’re the driver in an accident, you could be liable for the injuries of everyone in your vehicle. Every state has its own laws, auto insurance limits and coverage options, so it’s important to understand your coverage...

Most businesses use multifactor authentication (MFA) in their cybersecurity models. MFA requires you to provide multiple verification factors before granting you access to a network. In addition to entering your usual login...

Are you offering your home on a home-sharing service? Most home-sharing and host services make renting out your house easy. Airbnb specifically, offers $1 million in insurance coverage as part of their service.Like most people, you...

What Are Biosimilars?

Audrey Perez

Monday, April 10, 2023

A biosimilar product (biosimilar) is a highly similar and has no clinically meaningful differences from an FDA-approved reference product. Biosimilars may spur competition and result in additional safe, effective, and affordable...

Are you one of the thousands of people who were recently laid off and are now facing uncertainty about your health insurance benefits? You are not alone. Losing your job can be a stressful and confusing time and understanding your...

Who is my beneficiary again? Outdated Beneficiary Designations are more common than you think.  It is important to update these, regardless of if it is an...

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...

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...

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...

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...

5 Before-Work Strategies To Improve Your Workday

Rebecca Wilson

Tuesday, March 21, 2023

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...

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...

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...

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...

Hay & Straw: The Forgotten Assets

Ryan Wiles, CIC, CISR, AFIS

Monday, February 13, 2023

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.

Financial Wellness Is a Priority for Generation Z

Brittany Stewart-Snodgrass

Friday, February 10, 2023

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...

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.

The End of the COVID-19 Health Emergency: Potential Impacts to Consider

Mike Cumberland

Thursday, February 9, 2023

As the national health emergency period comes to a close, learn about potential impacts to consider for employer-sponsored health insurance plans and individuals.

Farm Insurance 101: Understanding the Importance of Adequate Coverage

Michael Johnson

Monday, February 6, 2023

What is Farm Insurance? Farm insurance is a specialized form of insurance that provides crucial protection for the diverse assets accumulated and maintained throughout a farmer's lifetime. This comprehensive policy safeguards not only...

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...

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...

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...

Setting Yourself Apart from the Competition: How Surety Bonds Can Help You Win Contracts

Stephen Rogers

Monday, February 6, 2023

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...

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...

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...

Are My Truck Drivers Raising My Premium?

Tyler Rogers

Thursday, February 2, 2023

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....

Is Borrowing From Your 401(k) a Good Idea?

Rebecca Wilson

Wednesday, February 1, 2023

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.

OSHA Recordkeeping & Reporting, featuring the Risk Management Center

Kim Hawbaker

Tuesday, January 31, 2023

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.

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.

Learn why carbon monoxide detectors are important for your home and how they can protect you from a deadly, invisible killer.

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.

Deepfakes are an insidious weapon in the scammer arsenal of tricks. Learn how criminals use fake identities to get you to disclose information.

COVID-19 Sick Pay — How Much Leave Must You Offer?

Rebecca Wilson

Friday, January 6, 2023

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.

Familiarize yourself with your destination country’s laws before traveling to reduce your risk of unintentional infractions and possible arrest.

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.

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.

Mental balance is vital to your well-being. Incorporate these five simple actions into your day, and enjoy immediate and long-lasting health benefits.

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.

Several states are raising their minimum wages in 2023. Find out if yours is one of them.

Learn how to use your habits to help you live healthier.

Three Ways to Control Risk

John A. Latimer IV, CIC, CRM

Friday, December 9, 2022

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...

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.

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?

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.

Volunteering and being involved in your community can benefit your mental health.

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.

Holiday gatherings can unintentionally exclude certain employees. Try these steps to create a festive event that embraces diversity and celebrates your workforce.

While some internal cybercrimes may be covered by your employee dishonesty policy, most cyber risk must be insured separately on a cybersecurity insurance policy.

Put a new spin on the traditional Thanksgiving meal this year by making your recipes healthier and more flavorful.

Celebrate Small Business Saturday, and help your business and community thrive.

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...

Check out these tips on how to lower your chance of a Thanksgiving Day incident and possibly avoid an insurance claim.

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.

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.

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.

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.

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.

2023 Compensation Trends — What Employees Want From Wages and Benefits

Rebecca Wilson

Wednesday, October 26, 2022

Keep up with compensation trends to successfully attract, hire and retain talent.

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...

Understanding Copays and Coinsurance

Rebecca Wilson

Tuesday, October 18, 2022

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.

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.

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.

Does the thought of meditating leave your mind spinning? Try one of these options instead.

Insurance & Succession Planning for Family Farms

Ryan Wiles, CIC, CISR, AFIS

Monday, October 10, 2022

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

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.

Keeping life and work in balance can be challenging, but it's possible if you set priorities and reduce trivial tasks.

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.

Most workplace injuries are caused by unsafe practices or conditions. Learn about the common causes of workplace injuries and how to prevent them.

Learn about ransomware and jackware, threats designed to lock out your data and hijack your network.

COBRA: How To Avoid Compliance Missteps

Rebecca Wilson

Tuesday, October 4, 2022

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.

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.

Personal or financial changes in employees’ lives may require changes to their W-4s.

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.

New EEOC Guidance on COVID-19

Rebecca Wilson

Saturday, October 1, 2022

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Used Farm Tractors - More Valuable Today Than Ever

Ryan Wiles, CIC, CISR, AFIS

Tuesday, August 30, 2022

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.

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.

Learn how to recognize signs of depression in children and teenagers.

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.

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.

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.

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.

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...

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.

Find out if your company is vulnerable to employee theft and learn how to prevent it with these tips.

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...

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...

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...

Keep this checklist handy to help you stay on top of your daily diabetes to-do's.

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.

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.

Feeling the stress of your job, family or overall life? Follow these simple tips to deal with stress and boost your well-being.

Probiotics may help promote a healthy balance in your gut bacteria, which has numerous health benefits. Learn more about the benefits of probiotics.

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.

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...

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...

Cow Appreciation Day: What It Means to Me

Ryan Wiles, CIC, CISR, AFIS

Tuesday, July 12, 2022

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...

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...

Why is Insurance so Expensive?

Adam Dyer, CPCU

Wednesday, July 6, 2022

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...

Conducting a workplace investigation can be necessary when an employee is accused of inappropriate behavior, such as making inappropriate comments or groping a coworker. It can also be necessary when someone complains that an employee...

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.

Use this checklist to spot red flags before signing a lease and fill any gaps in your renters insurance.

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.

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.

Choosing the right auto insurance coverage and limits can be daunting. This guide will help you select the most appropriate options.

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...

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...

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...

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.

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.

What are deductibles?

Brittany Stewart-Snodgrass

Friday, June 17, 2022

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...

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.

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.

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.

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.

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.

Improve your diet by cooking healthy foods in delicious ways. Learn about healthy preparation techniques, equipment and spices.

Secure disposal of physical data like paper printouts, disc drives, devices and hardware is often overlooked, but vitally important.

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...

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.

Livestock & Equine Mortality - Are you protected for the unexpected?

Ryan Wiles, CIC, CISR, AFIS

Monday, May 23, 2022

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...

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...

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.

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.

Tame your gas usage with these fuel-saving techniques.

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.

No doubt, video and internet games are designed to keep your children engaged. But can gaming be unhealthy? When does gaming become an addiction?  

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.

2022 Compensation Trends — What Employees Want From Wages and Benefits

Rebecca Wilson

Wednesday, April 27, 2022

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...

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.

State Mandated Employee Benefits

Rebecca Wilson

Wednesday, April 20, 2022

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...

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...

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...

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...

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?

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...

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...

No home or business is completely safe from flood damage. Are you fully covered? Why risk it?

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...

  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...

Long-Term Care Insurance FAQs

Mike Cumberland

Tuesday, March 22, 2022

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...

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...

You have a legal and moral obligation to keep employee information safe. Here is how to safeguard your data in 3 easy steps.

What is a surety bond?

Stephen Rogers

Wednesday, March 2, 2022

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?

Providing nutritious food options has benefits within and beyond the workplace. How can you help your employees build healthier eating habits?

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...

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...

Is Telematics Right For Your Fleet?

Megan Prince

Wednesday, March 2, 2022

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...

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...

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,...

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...

What is Term Life Insurance?

Luca Tesselli

Monday, February 14, 2022

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...

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. ...

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...

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...

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...

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...

Are You Prepared if Something Happens to Your Business Partner?

Mike Lopez

Friday, January 28, 2022

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...

Business Inventory Checklist

Conn Laughlin

Friday, January 28, 2022

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...

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...

Own a Historic Building? Consider These Unique Situations

Nick Dyer

Tuesday, January 18, 2022

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...

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...

What is Whole Life Insurance?

Luca Tesselli

Wednesday, January 12, 2022

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...

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...

Can Crop Insurance Save My Farm?

Ryan Wiles, CIC, CISR, AFIS

Tuesday, January 4, 2022

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...

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...

Life Insurance 101

Luca Tesselli

Wednesday, December 29, 2021

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...

Here's What You Need to Know About Insurance Premiums Rising

Adam Dyer, CPCU

Wednesday, December 22, 2021

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...

Personal Inland Marine Insurance

Sharon Meadows

Wednesday, December 15, 2021

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 typical homeowner’s policy may...

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 –...

Your Church Needs Liability Insurance

Marcia Baker, CPCU, CIC, CRM

Thursday, December 2, 2021

A church is much more than just a building, it is a place of spiritual renewal and gathering for prayer, counsel, ministry, and community. However, the various activities and services offered by...

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...

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...

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...

Are Your Grains Protected?

Ryan Wiles, CIC, CISR, AFIS

Friday, October 29, 2021

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...

Lower Your Commercial Auto Insurance

JC Wallace

Wednesday, October 27, 2021

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...

How To Protect Your Company From A Phishing Attack

Adam Dyer, CPCU

Tuesday, October 26, 2021

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...

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...

Agritainment: Consider This

Ryan Wiles, CIC, CISR, AFIS

Tuesday, October 19, 2021

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...

Does Your Policy Cover Costs to Demolish and Rebuild? Ordinance Coverage Can Help

Sharon Meadows

Friday, October 15, 2021

Dealing with the aftermath of a windstorm in your tree-lined neighborhood can be overwhelming. Imagine the shock when a massive oak tree crashes through the center of your house, necessitating the costly process of demolition and...

How to Prevent A Phishing Attack

Jason Call

Wednesday, October 13, 2021

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...

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...

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....

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...

What Is Professional Liability Insurance?

John A. Latimer IV, CIC, CRM

Tuesday, September 7, 2021

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...

Self Funded vs Fully Insured vs Level Funded Plans

Rebecca Wilson

Tuesday, August 10, 2021

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...

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...

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,...

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,...

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...