Insurance Advisor

Insurance Spotlight: Employee Disability Insurance

Disability insurance provides coverage in the event that an employee is disabled and cannot work. Unlike workers’ compensation insurance — which provides benefits like partial wage replacement if employees get hurt on the clock — disability insurance replaces a portion of employee income when they can’t work because of an illness or disability. Disability insurance will not replace all of an employee’s income but provides wage replacement benefits that cover, on average, up to 60% of employee earnings. Those payments usually go up to a cap, or a maximum monthly... Read More

Secure the Safety of Your Business with a Cyber Security Policy

Did you know that seven in ten businesses aren’t prepared for a cyber attack? Today’s dependence on technology opens up a world of possibilities but also raises some cyber protection concerns. Threats of data breaches and computer hacks are real for all businesses – big and small – and while big firms incur the highest costs, the financial impact of cyber-attacks is disproportionately greater for small businesses. If you haven’t already, it’s time to consider investing in a good cyber insurance policy. Cyber security insurance protects businesses against targeted attacks... Read More

Spotlight on Insurance: Worker’s Comp 101

Workers’ compensation insurance is a mandatory policy that protects your employees in the event of job-related illnesses or injuries. In our freshest blog post, we’ll give you the 411 on the value of worker’s compensation insurance to help your business thrive. Here’s the scoop: Workers’ Compensation 101 Every employer needs to ensure that the workplace is safe for all employees. However, accidents happen. Compensation insurance provides financial benefits for employees who experience job-related injuries or illness to reimburse medical expenses and lost wages. The policy is no-fault, so it will... Read More

Insurance Spotlight: Get the 411 on a General Liability Insurance Policy

For small business owners, general liability insurance is one of the most important types of small coverage you need to protect your business. This insurance not only protects your business from claims of bodily injury but also covers property damage and personal injury that your business might have caused. General liability insurance is a necessity. Without this type of coverage, a single event or lawsuit can cripple your business. It’s important to note that you will need to buy enough coverage to match your level of exposure and decide if... Read More

Accident Insurance: What Is it and What Does It Cover?

Accidents happen. No matter how careful you are, they do, especially when you least expect them. While on vacation, a fall from a ladder or a common sports injury can happen at any time. And beyond the injury, the cost of paying for an accident can be a serious pain. Medical expenses are one of the biggest financial hardships for Americans every year. Accidents are no exception to these expenses: Americans visit the doctor on average 68.2 million times a year to treat injuries. But beyond covering medical expenses, your... Read More

The Added Benefits of Your Benefits

We all know the value of having good health insurance benefits. However, many people neglect to realize that their ‘benefits’ extend way past just coverage for preventative care or major medical and dental expenses, with a lot of people not taking advantage of everything their plan offers. It’s not just about paying the bulk of your doctor visit and lab test bills; your plan can actually help you save money while getting or staying healthy. Call your health insurer or check their website to see if your health plan offers... Read More

4th of July Safety Tips

Fun, festivities, food, fireworks… all things that make the 4th of July one of the most highly anticipated holidays of the year. This year, stay safe with a few tips from Roper Insurance to ensure that you stay safe while enjoying all the holiday has to offer! Fireworks: Did you know that more than 50,000 fires are caused by fireworks every year? Be sure to take the proper precautions when operating fireworks: Never disassemble or try to make your own fireworks. Don’t point sparklers, or fireworks at yourself or others, especially... Read More

Summer Vacation Safety 101

It’s summertime, and for many, the time to enjoy a well-deserved vacation. And, while you’ve planned everything from getting the best deals on airfare, booked your hotel and packed your suitcases, are you properly prepared when it comes to your safety? We’ve got you covered with 10 safety tips to keep you safe and secure wherever your travels bring you!  Know before you go with thorough research. Don’t be ignorant about where you are going. Make an effort to learn about the country, the political situation, the cultural norms, the safest... 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