Entries by EINSURANCE

How Your Job Affects Your Life Insurance Premiums

You’re in good health, you don’t smoke, you’re not a heavy drinker—you’d think that your life insurance premiums would be low. But carriers look at a lot of variables, including your occupation. Some jobs come with a higher risk of death, and its not always obvious which ones. Does Your Job Put You at Risk? […]

Do You Qualify for the Medicare Extra Help Program?

With costs for prescription drugs edging ever higher, it is difficult for seniors on limited incomes to pay for the medications they need. Added to Medicare coverage in 2006, Part D is meant to assist with prescription drug costs. Medicare Part D helps, but it is not the whole story. Plan coverage is complex, with […]

What Types of Insurance Does Your Business Need?

Insurance protection is a reality for today’s entrepreneur and small business owners, just as it is for large corporations. There is coverage for just about any issue that could arise in your business. The policies you need depend on a number of factors, including what industry you’re in. There are basic insurance policies business owners […]

Who Will You Name as Your Life Insurance Beneficiary?

When purchasing a life insurance policy, the biggest consideration you’ll have is who to name as your life insurance beneficiary. There are a lot of scenarios to think about. Should the benefit go to a family member who will need it the most? If you name your spouse, who you name as secondary? What to […]

Does Your Business Need Cyber Insurance?

Cyber attacks are here to stay, and companies large and small stand to lose a lot of money if not properly insured against wrongdoing. Whether it’s internal or an attack from outside, tech breaches pose a very real threat and you need to be prepared. According to the 2015 Cost of Cyber Crime Study by […]

7 Trends in Employer-Provided Health Insurance

Health insurance is evolving, and so is the role of employers who provide health insurance benefits. During World War II, when wage controls were in place, companies began offering health insurance to attract workers from a scant pool of workers. But the market is changing. Today, even though there’s evidence that employers are moving away […]

The Healthcare Short Gap Exemption

This year’s open enrollment period for healthcare insurance is January 31, 2016. So you still have time, but it’s running out fast. Miss the window and you could end up pay the penalty come tax time. How much is the 2016 healthcare insurance penalty? About twice what it was in 2015. Precisely, $695 per adult […]

Beware of These 5 Car Insurance Scams

It’s bad enough that there are bad guys out there pulling off insurance fraud. What adds insult to injury is that the good guys end up footing the bill. The Insurance Information Institute estimates that property/casualty insurance fraud costs the industry about $32 billion a year. They don’t eat those losses. They pass them along […]

Is Your Small Business At Risk Of Workers Compensation Fraud?

Workers compensation fraud costs Americans billions of dollars every year–as much as $5 billion annually according to the National Insurance Crime Bureau. False claims drive up the cost of premiums to employers, and it isn’t just giant conglomerations that are targeted. Small businesses are equally at risk.  If you’re concerned, here are some common worker […]

Six Ways to Protect Your Small Business from Cyber Attacks

Think the cyber crooks only go after big businesses? Think again. Small businesses are especially vulnerable because they they’re too penny-ante for hackers to bother with. The truth is cyber criminals see your small business as a target in itself and a doorway to your clients’ valuable data. A study conducted with the Ponemon Institute […]

Does Your Small Business Need Terrorism Insurance Coverage?

This time of year, most of us would rather think about vacation, holiday gatherings and chestnuts roasting on an open fire–anything, in fact, except the possibility that terrorism could disrupt our lives. But given recent events, it’s prudent to know there are proactive steps that you can take to you can take to protect your […]

Small Business End-of-Year Insurance Checklist

You can’t count on the past to predict the future. Before you get caught up in holiday plans, take a few minutes to review some important small business insurance checklist items. It’s the best way to protect your business by reducing your exposure to risks. Small Business Insurance End of Year Checklist 1. Are your […]

Grinch-Proof Your Home for the Holidays

Don’t be an easy mark for grinches and thieves who target homes during the holidays. Whether you’re going to be away from home for a couple hours or a couple weeks, here’s how to protect your home from holiday thieves. Your season will be a whole lot merrier if you don’t have to file a […]

Sure-Fire Ways to Attract Holiday Car Thieves

While you’re out shopping for Christmas presents, attending a party or just celebrating the season, crooks are casing your car. Car thefts and car break-ins rise in the weeks leading up to Christmas. If you want to bring holiday cheer to a crook, here are some sure-fire ways to do so: Leave your purchases in […]

Four Coverage Options If You Work Out of Your Home

Being your own boss is part of the American Dream. Working from home makes it even better. But the dream has some downsides. What would happen to your business if you were injured or hospitalized? What if a delivery guy trips bringing you your office supplies? What if your dog bites your client? Or you’re […]

8 Tips to Cut Your Workers Compensation Insurance Costs

You are required by law to carry workers compensation insurance if you have at least one employee besides yourself. It can run over $2.00 per work hour per employee. That makes finding cheaper workers comp coverage for your small business a major goal. Here are some tips to cut your workers compensation insurance costs and […]

4 Reasons to Switch Car Insurance

Along with bills, your daily mail probably includes at least one enticing invitation to switch auto insurance with the promise of significant savings. It is smart to review your car insurance coverage at least once a year to see what’s out there. Here are 4 good reasons to switch car insurance coverage and one reason […]