Archive

7
Nov

Here’s What Personal Umbrella Insurance Can Do for You

Here’s what you need to know about personal umbrella insurance. While your homeowners, auto, and other forms of personal insurance offer liability coverage, there’s no guarantee that this coverage is enough.  All policies have coverage limits and exclusions, meaning that your policies could leave you exposed to dangerous coverage gaps.  Fortunately, there is a way to extend your personal liability

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31
Oct

What to Know About the Mental Health Parity and Addiction Equity Act (MHPAEA)

How the MHPAEA changes how employee benefits are allocated. Recently, the Department of Labor, the Department of Human Services, and the Treasury Department have come together to promote compliance with the Mental Health Parity and Addiction Equity Act (MHPAEA).  This Act requires that mental health and substance abuse disorder (MH/SUD) benefits be treated equally to medical and surgical benefits.  MHPAEA’s

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24
Oct

Identifying the Main Differences Between Personal and Commercial Auto Insurance

How commercial auto insurance protects your business. If you own a car, then you know that you need to secure car insurance.  Well, the same goes for your business.  If your company owns and operates vehicles, then you need to secure commercial auto insurance to protect your company cars and the employees that drive them.  But what makes commercial auto

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17
Oct

How Medicare Changes Will Affect Nursing Homes and Home Healthcare

Understanding the effect that Medicare’s new payment model has on skilled-nursing facilities. On October 1st, Medicare enacted its new Patient Driven Payment Model (PDPM).  This model changes how skilled-nursing facilities are paid under Medicare by moving away from a reimbursement system based on the volume of therapy services a patient receives.  Under PDPM, reimbursement will be based on the patient’s

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10
Oct

Essential Things to Know About Your Homeowners Insurance

Answering commonly asked questions about home insurance. As a new homeowner, you want to do everything in your power to protect your home, belongings, and loved ones.  The best way to safeguard the people and things that you love most is by securing comprehensive homeowners insurance in Detroit, Michigan.  But what do you really know about this coverage?  Here are

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26
Sep

Which Employee Benefits Influence Worker Job Decisions the Most?

Workers consider healthcare coverage a more attractive employee benefit than 401(k)s. Currently, the U.S. is suffering through a retirement crisis where millions of employees lack the savings and assets to retire comfortably.  Given this, you would assume that employers offering 401(k)s would be sought after by workers looking for a new job.  However, survey data shows that workers are actually

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19
Sep

Strategies for Safeguarding Your Business’s Digital Assets

Take these steps to protect your business’s online information. For business owners, the idea of a major cyber attack is enough to make their blood run cold.  This is because recent cases have shown just how devastating cyber security breaches can be for a company.  While a large corporation might have the resources to cover the losses associated with a

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12
Sep

Protecting Your Home Health and Assisted Living Facility with Abuse Insurance

Understanding what abuse insurance can do for your home health agency, assisted living facility, or nursing home. Any organization that provides care or services for vulnerable populations is at risk for claims of abuse.  This risk is particularly worrying for businesses that are dedicated to caring for the sick, disabled, and elderly.  While you can take precautionary measures to reduce

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5
Sep

What the No-Fault Auto Reform Means for Michigan Motorists

Understanding Michigan’s new auto reform. Recently, the state of Michigan agreed to a historic deal that reformed the state’s no-fault auto insurance system.  Specifically, the deal allows drivers more freedom when choosing car insurance coverage, such as allowing them to choose their own level of personal injury protection coverage.  But how exactly does this reform affect drivers and their auto

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29
Aug

Breaking Down 3 Misunderstood Types of Commercial Insurance

Here are some of the most commonly misunderstood business insurance policies explained in more detail. As a business owner, you know that you are responsible for securing insurance for your company.  However, the commercial insurance market can be overwhelming with all the options and carriers out there.  To make matters worse, many business owners attempt to navigate the market with

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