Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Fully Insured, Level-Funding, and Partially Self-Funded Group Benefits: What’s the Difference

Today small businesses with 5 to 100 employees have other options beyond traditional fully insured group benefits. Level-Funding and Partially Self-Funded are valid approaches that are increasingly being implemented with success. These plans can often lower your overall cost and improve employee satisfaction. I encourage you to think about your business strategy, goals, and culture, as you evaluate the best plan design for your business.... Read Article

Employee Group Benefits: How to Increase Employee Engagement and Participation

Increasing employee engagement and participation with Group Benefit programs is a hot button for many employers. Because employee benefits are often the second largest expense after labor, it makes sense that businesses want to get a better return on their investment. One of the challenges employers face is meeting employee needs and desires in a way that provides greater value from traditional employee benefit programs.... Read Article

Why a Growing Business Needs to Look Into Key Person Insurance

In a small, thriving business, the death of a key employee could cause the business to collapse. It could be an owner, a founder, a key salesperson, or another important player in a growing concern. Life is full of uncertainties. Key person insurance helps protect your business should the unexpected happen. How Key Person Insurance Works Key person insurance is life insurance on a key... Read Article

The Growing Importance of Cyber Liability Insurance

In the 21st Century, technology is vital to conducting business. However, the same technology your business relies on can also leave it vulnerable to costly security threats. Cybercrime is big business and becoming increasingly more sophisticated with advances in technology. No one is safe from cybercrime – neither individuals, nor small businesses, nor the largest corporations. Cyber liability insurance can help protect your business from... Read Article

Business Owners Package Insurance: What You Should Know

Many small to medium sized businesses can get business owners package insurance (often called "BOP”), which simplifies the entire insurance coverage problem. A business owner package insurance policy is more affordable, as there are several forms of insurance in one "package.” All business owners have concerns about staying protected against financial losses, and for good reason. It is impossible to know what the future will... Read Article