Insurance Advisor

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

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

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