Understanding Mental Illness in the Workplace

Many Americans suffer from mental illness – and this includes many of the employees at your company. In fact, nearly 43.8 million Americans deal with mental illness each year. Because mental illness is so prevalent, it’s imperative that all employers understand the rights of workers dealing with mental health issues. ADA Protections According to the U.S. Equal Employment Opportunity Commission, employees struggling with mental illness are granted rights under the Americans with Disabilities Act (ADA). These rights include the following: Workers cannot be harassed or discriminated against due to mental... Read More

Small Business Planning

Small business insurance planning for both start-ups and existing small businesses is a must. Once you’ve gone into business, protecting that business is essential. Insuring your small business is a must to protect the assets of both the business and the owner and to provide protection against a variety of risks. Two major areas of coverage needed are property and liability.  Both of these types of coverage and more are available as separate policies or combined in a business owner’s policy. General liability insurance protects the business against a lawsuit... Read More

Are Mental Health Treatments Covered by Health Insurance?

According to State of Mental Health in America 2018’s report, more than 40 million Americans have a mental health condition. That’s why getting help when you have a mental health condition is really important, however, many people don’t know that they may have coverage for mental health treatment on their current health insurance plan. Although not all health plans are required to offer coverage for mental health treatment and services, many employer group insurance health plans do offer the coverage since health care reform. It is important to understand what... Read More

Is Travel Insurance Worth the Cost?

It’s that time of year again. Summer. Time for t-shirts, shorts, sunscreen and that big summer vacation you spent the last few months planning and saving for. If you are getting ready for that big annual family vacation or are a frequent flyer, you have inevitably been given the chance to purchase travel insurance. But do you really know if it is a good deal or not? Anytime you travel extensively, you could be at risk of financial or physical loss. However, there are several things you should know about... Read More

Understanding Risk Management for Your Business

All business faces risks that could present threats to their success. That’s why minimizing risk should be a central part of any business’ strategic management. Risk management helps you to identify and address the risks facing your business and in doing so increase the likelihood of successfully achieving your businesses objectives. Risk is defined as the probability of an event and its consequences. Risk management is the practice of using processes, methods and tools for managing these risks. Risk management focuses on identifying what could go wrong, evaluating which risks... Read More

Umbrellas Provide More Than Just Protection from the Rain

Spring showers may require you to carry an umbrella but are you also aware of the other type of protection an umbrella affords when it comes to your insurance? Commercial Umbrella Insurance isn’t a requirement for licenses or permits in most cases, so almost no business technically needs this policy. But plenty of clients may require you to have high coverage limits, and, depending on your business, an accident could exceed your insurance policy limits. Having commercial umbrella insurance in these situations could be invaluable. Consider this, when you get... Read More

Help Your Employees Struggling with Addiction to Get FIT

Today, millions of people struggle with a substance use disorder that can adversely affect every aspect of their lives, including school, community, and work. An employee who suffers from addiction, or has a loved one who is impacted, can unwittingly drive hidden costs and challenges for employers. Lost productivity, absenteeism, injuries, fatalities, theft, and low employee morale are some of the most common issues related to addiction. Some other consequences are increased health care costs, human resources issues, legal liabilities, and workers’ compensation costs. Your employees are your greatest asset.... Read More

Why Small Businesses Should Consider Level-Funded Health for Their Employees

Recently, insurances companies, like United Healthcare, returned $1.1 billion in premiums to policyholders under the Affordable Care Act. Workers were notified in form letters from insurers this month that a “rebate” had been sent to their employer, who “must follow certain rules in distributing the rebate to you.” But even when employees paid a significant share of the premium, many employers are still deciding how, when or even whether to share the cash. The law gives employers up to three months and considerable discretion to decide how to spend the... Read More

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