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Watch Out for These Driving Risks This Winter

Don’t let bad winter road conditions put you at risk. According to the U.S. DOT Federal Highway Administration, 22% of all car accidents are related to the weather.  Because winter sees some

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How You Can Prevent Home Insurance Claims this Winter

Protect your home this winter. While you may be looking forward to a fun and festive holiday season, it’s important to remember that you still face risks as a homeowner.  In fact, there are

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DOL Issues New Salary Limits for Overtime Exemptions

On Sept. 24, 2019, the U.S. Department of Labor (DOL) announced a new final rule that updates the salary thresholds that some individuals must meet in order to qualify for a minimum wage and overtime

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Essential Questions to Ask When Reviewing Your Insurance Policies

These questions should guide your year-end insurance review. Whether it be your auto, life, or business insurance, all your policies should be reviewed on an annual basis.  If you haven’t

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3 Costly Mistakes that Fleet Managers Should Avoid

These mistakes will cost you dearly. As a fleet manager, your business relies on the safety and efficiency of your drivers.  However, as the pressure to meet delivery deadlines mounts, your drivers

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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What Small Businesses Need to Know About EPLI

Why your small business needs the protection offered by EPLI. While most small business owners know how important it is to secure the right commercial coverages, many only think about general

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What to Know About New HRA Expansion Rule

Learn how the new HRA final rule offers employers and employees new opportunities. On June 13, 2019, the Department of Labor, the Department of Health and Human Services, and the Treasury Department

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Homeowners Insurance Vs. Inland Marine Insurance

How are homeowners and inland marine insurance different when it comes to coverage for your belongings? Part of your responsibility as a homeowner is securing the right insurance coverage to take

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The Benefits of Establishing a Solid Return-to-Work Policy

How establishing a return-to-work program will help your business’s bottom line. As an employer, one of the last things that you want to deal with is an employee injury.  Unfortunately,

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What to Know About American Patients First Initiative

Learn more about the Trump administration’s initiative to regulate prescription drug costs and improve healthcare transparency. In 2018, the Trump administration began exploring new strategies

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Take These Precautions to Keep Your Home Safe While You’re on Vacation

Take these home safety precautions before leaving on your vacation. Are you taking a vacation this summer?  If so, then the last thing you want is for your relaxing getaway to be interrupted by the

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Understanding New Opinion Letter Regarding the Family and Medical Leave Act

Learn about the DOL’s new opinion letter on the FMLA. Recently, the DOL (Department of Labor) announced the introduction of an opinion letter regarding wage and hour compliance with the Family

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Purchase Eligible Products on Amazon with Your HSA or FSA

Online retailer Amazon recently announced that you can now use your flexible spending account (FSA) or health savings account (HSA) to purchase eligible medical products on its site.  Amazon’s FSA

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How Having Commercial Insurance Can Improve Your Brand Image

How the right commercial coverage can help your company branding. As a small business owner, establishing a recognizable brand is likely one of your main areas of concern.  While launching a

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What Business Owners Need to Know About the Telephone Consumer Protection Act (TCPA)

What businesses need to know about the TCPA. While most people haven’t heard of the TCPA (Telephone Consumer Protection Act), it is actually a huge deal for businesses.  In fact, TCPA related

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How Homeowners Can Manage Their Risk When Working with Contractors

Protect yourself when working with home contractors. As a homeowner, you will eventually need to hire a contractor to address property repairs or renovations.  While this might seem like a routine

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Exploring Alternative Forms of Funding for Your Employee Benefits Plan

Employers, consider these alternative funding approaches for employee health benefits. In the past, alternative funding solutions for health benefits were primarily available to large corporations. 

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4 Tips to Help Your Small Business Stand Out from the Competition

Try out these suggestions to make your small business stand out from the competition. Promoting your small business is a difficult task.  Not only do you need to worry about other small businesses

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Risk Management Considerations for Hiring Independent Contractors

Learn about the risk management strategies you should employ when it comes to working with independent contractors. As a business owner, it is your responsibility to mitigate your company’s

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What Homeowners Need to Know About Sewer Backup Coverage

Insurance to protect your property from sewer backup damage. As a homeowner, it’s vital to protect your property with the right insurance coverage.  While standard home insurance policies

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What You Should Do to Assist with Your Total Loss Vehicle Claim

Here are some of the steps that you should take when your car has been declared a total loss. If you’ve been in a major auto accident, then there’s a good chance that your insurer will

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How to Safeguard Your Small Business Against Common Risks

Take steps to protect your company against common commercial risks. As a small business owner, you know that you are subject to a considerable amount of risk.  This is why it’s important to

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Suggestions for Attracting and Retaining the Best Caregivers

How you can attract and keep talented caregivers on your staff. As the population continues to age, the demand for home healthcare services is increasing at a rapid rate. In order to keep up with

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How Education Can Help Your Employees Manage Their Benefits

Proper education is the key to helping your employees control and understand their benefits. When open enrollment rolls around, many employees are confused and unsure about how to proceed with the

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Important Health Insurance Terms That You Should Know

Here are some essential health insurance terms defined and explained. For those of us who are not highly experienced in the health insurance industry, navigating the market can be a confusing and

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How Your Business Can Avoid Common Workers Comp Mistakes

Try out these suggestions to avoid common workers compensation insurance pitfalls. If you run a business, then it is your responsibility to protect and care for your employees.  One of the best ways

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Why Michigan Commercial Auto Rates are the Highest in the Country

Learn about some of the factors driving Michigan’s high commercial auto insurance rates. Recently, Insurance Marketplace Realities released their 2019 report that predicts that commercial auto

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The Impact of Data Breaches on the Healthcare Industry

How do cyber security breaches affect the healthcare industry as a whole? While the increased use of technology in the healthcare sector has helped to improve clinical outcomes and the delivery and

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Load Up on These Heart-Healthy Foods This American Heart Month

Eating more of these foods will improve your cardiovascular health. February is American Heart Month, a month that encourages the public to take better care of their heart health.  One major goal of

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Tips for Creating the Perfect Valentine’s Day Care Package

Fun ideas for your Valentine’s Day care package. If you’re in a long-distance relationship, then Valentine’s Day can be a sad reminder that your loved one is far away.  However,

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Making These Auto Insurance Mistakes Could Cost You

Don’t make these expensive car insurance mistakes. For many car owners, securing and managing their auto insurance is a challenging task.  As a result, they often make mistakes when it comes to

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Get Ready for These OSHA Deadlines

Business owners, prepare to send OSHA your injury and illness data. In accordance with their new employer recordkeeping rule, OSHA requires that certain business and commercial entities send in their

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