PeopleKeep

SEPTEMBER 4, 2024

But, comparing policies, understanding provider networks, and understanding what health insurance terms mean leaves many people stumped. Whether you’re an individual consumer or a small business owner, shopping for health insurance is a critical decision. But with so many brokers out there, how do you know who’s the right choice?

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InterWest Insurance Services

JUNE 25, 2024

Under California law, auto insurers are required to verify vehicle mileage at least every three years, including current annual mileage and miles driven to and from work and/or school. Typically, insurers will request this information when a policy is written and/or upon renewal. The current odometer reading of the vehicle.

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PeopleKeep

MAY 15, 2024

By offering supplemental dental insurance, you can help your employees save money on these costly procedures and maintain good oral health. In this article, we'll go over how you can offer supplemental dental insurance to your employees.

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International Foundation of Employee Benefit Plans

JULY 23, 2024

Cyber insurance can help protect your organization from bad […] The post Cyber Insurance: Do You Have It? The frequency and costs of data breaches continue to rise globally, with the average price tag of a data compromise reaching US$4.45 million in 2023, according to a recent report from IBM Security. Do You Need It?

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PeopleKeep

JUNE 12, 2024

However, one drawback is having to navigate the world of health insurance on your own. This article will go over the different health insurance options available for the self-employed to help you make the best decision for your health and budget.

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Higginbotham

AUGUST 9, 2024

To protect their personal assets against such lawsuits, board members should make sure they’re protected with nonprofit board insurance. D&O insurance can help cover defense costs, along with settlements and judgements. Confirm the nonprofit maintains sufficient D&O insurance.

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Pacific Prime

APRIL 29, 2024

Companies offering employee life insurance as part of their employee benefits package is an excellent talent retention strategy. A life insurance policy will help protect the employees’ dependents from financial pressure when meeting outgoing expenses in the event of the former’s untimely passing.

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Higginbotham

AUGUST 20, 2024

Construction equipment insurance provides important coverage when events like these occur. Also called contractors equipment insurance, construction equipment insurance can provide coverage if a covered piece of equipment is lost, damaged or destroyed in a covered peril. Is your insurance coverage sufficient?

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PeopleKeep

JULY 17, 2024

While the Affordable Care Act (ACA) only requires organizations with 50 or more full-time equivalent employees (FTEs) to offer health insurance. Plus, there are many comprehensive health insurance options you can offer your staff without blowing your budget.

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Employee Benefits

MAY 9, 2024

million employees who accessed healthcare services through health or protection insurance in 2022, 1.3 million (75%) relied on workplace-provided schemes to do so, according to research by the Association of British Insurers (ABI). In addition, insurers arranged 1.2 The number of virtual GP appointments made also grew to 1.4

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Higginbotham

SEPTEMBER 6, 2024

While it’s impossible to predict the future, securing life insurance can help provide for your children’s needs in case you’re not there as they grow up. How much life insurance do parents need? Since life insurance benefits typically aren’t subject to income tax, your family would receive the full amount.

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McDermott Will & Emery Employee Benefits

JUNE 25, 2024

In December 2023, the National Association of Insurance Commissioners (NAIC) adopted a Model Bulletin on the Use of Artificial Intelligence (AI) Systems by Insurers. The model bulletin reminds insurance carriers that they must comply with all applicable insurance laws and regulations (e.g.,

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PeopleKeep

AUGUST 22, 2024

Offering a comprehensive benefits package with health insurance is critical to having engaged and satisfied employees. Plan types, health insurance providers, policy costs, and regulations vary by state. But if your team includes some of the 22 million U.S.

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PeopleKeep

AUGUST 30, 2024

Luckily, the federal government created health insurance subsidies to help eligible individuals and business owners afford a health plan. This blog post will explain health insurance subsidies, their various types, and how they can help you lower your medical costs.

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PeopleKeep

AUGUST 7, 2024

It's essential to recognize the value of offering dental insurance to your employees. According to our 2024 Employee Benefits Survey, 91% of employees rated dental insurance as important. As a key component of a comprehensive benefits package, dental insurance contributes to the long-term health and happiness of your team members.

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Insurance Benefits Package Comprehensive Benefits Employee Benefits 52

Workers' Compensation

AUGUST 13, 2024

The NJ Supreme Court will review whether a workers’ compensation insurance company has a duty to defend an employer against personal injury claims brought by the employer’s employee under an employer's liability insurance policy. The insurance company denied coverage based on the policy's "Employer's Liability EII exclusion."

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Higginbotham

JULY 9, 2024

This is when clinical trial insurance can supply a safety net for trial sponsors, investigators and participants. Who needs clinical trial insurance? These stakeholders may be exposed to various risks during the trial phases, making insurance coverage crucial for their protection. What does clinical trial insurance cover?

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PeopleKeep

JULY 10, 2024

So, what can the health insurance industry and employers do to meet their needs? Although Millennials and Gen Zers don’t use a lot of medical care compared to older generations, they want more flexible and alternative healthcare services available—like telemedicine and holistic medicines —instead of traditional options.

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InterWest Insurance Services

JULY 18, 2023

Skyrocketing claims costs and higher accident rates are pressuring the commercial auto insurance market, as insurers impose increasingly larger rate hikes and more are pulling out of the market or restricting who they will cover. According to the National Insurance Crime Bureau , there were 64,000 such theft claims in the U.S.

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Higginbotham

AUGUST 13, 2024

workers postpone health care needs because they’re worried about cost, even if they have health insurance. Medical care can be expensive, and group health insurance isn’t always enough. Employers can help their employees by offering worksite benefits like hospital indemnity insurance and other supplemental benefits.

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PeopleKeep

JULY 10, 2024

Health savings accounts (HSAs) and traditional health insurance plans are two common options for managing healthcare expenses, but they have some key differences. In this article, we'll go over how HSAs and health insurance compare.

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Health Insurance Insurance Health Savings Account Healthcare 73

Higginbotham

JUNE 7, 2024

Product liability insurance can offer important protection for businesses involved in the manufacturing, distribution or sale of products. Learn More About Manufacturing Insurance What does product liability insurance cover? Who needs product liability insurance?

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Insurance Manufacturing Food Insurance Carriers 52

InterWest Insurance Services

SEPTEMBER 21, 2023

Some of the nation’s largest insurers have announced plans to roll back their prior authorization requirements for medical services. Health insurers have lists of services that require prior approval, in order to control their costs. Many of these changes took effect immediately and some will start in 2024.

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Higginbotham

JULY 16, 2024

But, the right insurance coverage and risk management strategies can help ensure that your event runs smoothly and can protect you from unexpected challenges. What is event planner insurance? This type of insurance may also reimburse deposits and non-refundable expenses, which can help stabilize your financial situation.

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Higginbotham

AUGUST 27, 2024

But, you can help protect your employees with kidnap and ransom insurance. How does kidnap ransom insurance coverage work? Kidnap and ransom insurance, also known as K&R insurance, can help cover the cost of the ransom payment, as well as care required after the incident. Ransom demands are also becoming larger.

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PeopleKeep

APRIL 21, 2023

You’ve probably heard of group health insurance and individual health insurance in your research. A robust benefits package with a comprehensive health benefit is essential for attracting and retaining top talent in today’s workforce. But what is the difference between them, and how do they compare?

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Higginbotham

MAY 24, 2023

One of the first and most important responsibilities embraced by every breadwinner is life insurance. Should they lose your support, life insurance will immediately pay your beneficiary the cash value of the life insurance policy, with no taxes owed, providing a lifeline to resolve debts and pay living expenses.

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InterWest Insurance Services

FEBRUARY 27, 2024

However, these changes have resulted in increased commercial building vacancy rates, and that can leave their owners with insurance problems. Insurance companies are hesitant to insure buildings that fall below 50% occupancy because these properties may: Be poorly maintained. the year before. Security is still in place.

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CorpStrat

MARCH 21, 2024

If your company provides Employee Benefits, there’s a good chance you’re enrolled in a Group Disability Insurance plan. If you’re a high-income earner who assumes you’re adequately insured, think again. These rates are influenced by various factors such as economic conditions and insurance provider policies.

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Workers' Compensation

AUGUST 25, 2024

This event is crucial for those involved in liability insurance (including self-insurance), no-fault insurance, and workers' compensation. Take advantage of this opportunity to stay up-to-date on the insurance industry's mandatory reporting requirements and best practices. Recommended Citation : Gelman, Jon L.,

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Higginbotham

JULY 25, 2024

To help mitigate the risks associated with breaching any representations and warranties, both buyers and sellers may turn to representations and warranties insurance (RWI), a specialized business insurance policy that’s designed to help safeguard against inaccuracies made in statements during the M&A transaction process.

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InterWest Insurance Services

AUGUST 8, 2024

Besides creating problems for those businesses, it could also be problematic for their insurance brokers if they are accused of providing poor advice on coverage limits, according to a recent blog on MarshBerry. The median limits of insurance purchased have shrunk over the last 10 years. Given that they invested $15.2

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Insurance Construction Finance Education 52

InterWest Insurance Services

JULY 24, 2023

After two years of massive rate increases, cyber insurance market pricing has been softening and transitioning into a buyers’ market, according to a new report by Aon Plc. In 2021 and 2022, 100% rate increases for cyber liability insurers were common, but a number of factors are finally starting to drive rates lower.

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Workers' Compensation

JULY 30, 2024

A New Jersey appellate court held that an insurance company failed to terminate coverage properly, and the injured worker was classified as a special employee. 34:15-81, insurers must strictly comply with statutory requirements to cancel workers' compensation policies, given the public policy favoring coverage. Under N.J.S.A.

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PeopleKeep

JANUARY 24, 2024

But as with any other business, you must know your health insurance obligations before hiring workers. Because of their potential for higher profits under the umbrella of a recognized brand, franchise businesses are often a draw for entrepreneurs.

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Health Insurance Insurance 91

PeopleKeep

APRIL 3, 2024

In most cases, health insurance plans cover the policyholder and their immediate family members. In this article, we'll explore the considerations involved in extending coverage to non-family members and provide guidance on making informed decisions about your health insurance coverage.

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