The Insurance You Need Now: The Value and Importance of Disability Insurance

Consider how long you can afford to go on vacation until you can’t afford to pay your bills. Now substitute your vacation for an accident that leaves you unable to work.  Most of us buy insurance to protect our home, car and health, but we tend to ignore the most important asset which needs to be protected – our income. Your earning power is one of your greatest financial assets. That’s why it is important to consider disability insurance, which provides a source of income to people who are unable... Read More

Achieve Password Protection Perfection

Recently, Facebook announced that an internal security review found the passwords of hundreds of millions of users had been stored on company servers without encryption, but that no passwords were leaked and the company has found no indication the sensitive data was improperly accessed. The issue was first brought to light by Brian Krebs, a security researcher who detailed the concern over password security in a blog post detailing that Facebook employees built applications that captured the passwords of users and stored them as plain text, meaning a password would... Read More

Protecting Your Business from Natural Disasters

Last month’s bomb cyclone storm was a doozy, coming in fast and furious, shutting down businesses, the airport and schools all over the metro area, sidelining cars, and leaving a bunch of snow in its wake. While snow storms like these can be a logistical nightmare, they also serve as a reminder that natural disasters can wreak on your business – big or small. And, while some places are more likely to experience disasters than others, you’re never completely free from the threat of one occurring. Property that succumbs to... Read More

Spring Training for Your Insurance

Baseball season may be just starting, but the Colorado Rockies have already been on the field – and in full swing – for weeks, using spring training to prepare for the competitive season ahead. Similarly, we can all benefit from a little spring training with our insurance as an opportunity to assess how well we are prepared for the future. Baseball puns are fun and the sport itself serves as a good metaphor for insurance. Actually, baseball is a pretty good metaphor for anything. Both require a team of players... Read More

Employee Wellness Programs Continue to Face Compliance Challenges

Wellness programs for employees are a great idea to help companies recruit and retain today’s top talent.  In general, many companies are genuinely concerned about their employees’ health and well-being. However, the rules for employer-sponsored wellness programs continue to be a moving target; most recently, regulations issued by the Equal Employment Opportunity Commission (EEOC) intending to address issues under the Americans with Disabilities Act (ADA) and the Genetic Information Non-Discrimination Act, or GINA. Many employers are already well aware of the wellness regulations under the Affordable Care Act that for some... Read More

What Top Workplace Wellness Trends Employers Should Focus on in 2019

While most companies provide basic benefits like health insurance to their employees, some are taking things up a notch by providing extra benefits, like access to on-site gym facilities or healthy snacks in the break room. While these benefits are valued and supported by employees, many companies are still underestimating the importance of having healthy employees. Every aspect of a person’s health, from their physical, mental, even financial health, affect their performance at work. Though losses from poor employee health might not always be obvious to employers, they are nonetheless significant.... Read More

Stop the (March) Madness – Are You Paying Too Much for Your Insurance?

Business insurance coverage is the most important purchase you will make as a business owner, and shopping for this valuable protection involves a process of evaluation, research and comparison. Working with an insurance broker and taking advantage of their knowledge and experience can make all the difference when shopping for the best possible protection for your business; making the selection processes easier and helping you avoid unnecessary costs. In fact, insurance brokers are uniquely equipped to save you money when shopping for business insurance. Even after your policy is purchased,... Read More

Why You May Want to Consider Investing In Level Funded Health Plans for Your Employees

Whether big or small, enrolling in employee health coverage for your staff is an important component of running your business. However, often times smaller companies have had a difficult time obtaining affordable coverage since the Affordable Care Act, or ACA, was initiated. While some small businesses have found ways to cover their employees, others still struggle to provide sufficient health plans. Good news. There is a way around this problem for small businesses and even bigger companies. They’re called level funded health plans and they’re designed with the small business... Read More

How Employee Assistance Programs Are Beneficial to Your Business

It’s no surprise that ensuring employees are happy at work is one of the most important jobs for any employer. Happy, fulfilled and engaged employees create positive and productive work environments that allow for everyone to thrive while working together toward a common goal. However, there are times when personal problems may prevent employees from doing their best work. This may lead to a reduction in productivity and focus, and can negatively impact the rest of the team. To properly address this, many employers have recognized the benefits of Employee Assistance... Read More

How Offering Good Benefits Attract Good Employees

As hiring and retaining talented employees becomes increasingly more difficult, human resources professionals are strategically leveraging employee benefits as a recruitment and retention tool. A tighter job market requires that an organization present itself as an employer of choice, a situation that is leading HR to offer benefit options that appeal to a wide range of employee demographics. In fact, employers that are already strategically customizing their benefits packages are creating a positive image of their brand to attract the best and brightest in their industries. With rising health care... Read More