Insurance Advisor

8 Unusual Insurance Policies for the Really Unexpected

8 Unusual Insurance Policies for the Really Unexpected

You’ve insured your home, your car, your business, and probably even your life. But are you really covered for those unexpected instances in life? We’ve all seen the odd insurance claims, thanks to a couple of recent advertising campaigns by some large insurance companies. But those are all things covered under ordinary insurance policies, like homeowner’s insurance or automobile insurance. What are you do doing about the really unexpected events in your life? Lloyds of London, which by the way is not actually an insurance company,  has long been known... Read More

Accident Insurance Can Protect Your Finances When You Get Injured

Accident Insurance Can Protect Your Finances When You Get Injured

Accidents happen. Whether it’s falling off a ladder, throwing out your back helping your neighbor move or overestimating our athletic abilities, sometimes we get injured. And along with those injuries come unexpected medical bills and the possibility of lost time from work, and other unanticipated expenses.  All these things can lead to financial challenges as you try and figure out how to pay those bills. Accident insurance can help cushion the blow.. If you don’t want to be caught financially unprepared to handle an accident, consider accident insurance. What Is... Read More

Help Your Employees Be Smart with Their Money with Financial Planning Assistance

Help Your Employees Be Smart with Their Money with Financial Planning Assistance

Financial education is a hot topic these days. Money used to be a “taboo” topic. As a result many people have not had the opportunity to learn smart financial planning principles. As an employer, you can help correct this problem and help your employees learn to be smart with their money. By offering financial planning assistance as part of your employee benefit package, you provide your employees with critical education and service. You may also help alleviate one of the biggest stressors, helping to create confident, happy and productive employees.... Read More

What You Need to Know About the Two Types of Travel Insurance

What You Need to Know About the Two Types of Travel Insurance

The subject of travel insurance often comes up when planning an international trip. Many travel sites will offer users the opportunity to purchase travel insurance as part of their trip planning.  But many of them don’t distinguish between the two types of travel insurance, leaving travelers potentially unprotected. It’s important to know what the two types of travel insurance are, how they differ, and why you might need each one. Trip Cancellation or Interruption Insurance This is the travel insurance most people are thinking of when travel insurance comes to... Read More

Disability Insurance: What it is and Why You Need It

Disability Insurance What it is and Why You Need It

Disability Insurance may be one of the most essential and most overlooked insurance coverages. When it’s time to select insurance benefits, most people think of health, dental, vision and life insurance, but are often slow to consider disability insurance. The reality is that at least one-third of American workers will be disabled and have to miss more than 90 days of work during their careers. And more than one in four can expect a disability that will last a year or more before they reach retirement age. And the vast... Read More

Are You Helping Employees to Avoid Distracted Driving?

Are You Helping Employees to Avoid Distracted Driving

Every day, more than 1,160 people are injured in crashes involving a distracted driver, according to the National Highway Traffic Safety Administration (NHTSA). In addition, the NHTSA claims that driver inattention is the leading contributor in most crashes or near-miss accidents in the United States. One of the chief causes of driver inattention is cellphone use. Cellphone use has become commonplace, and text messaging, emailing and conducting business via cellphone have become routine. While the convenience of cellphones can be enormous, problems arise when using a one while driving. A... Read More

Business Owner’s Policy–What Every Small Business Owner Needs to Know About Insurance

Business Owner's Policy--What Every Small Business Owner Needs to Know About Insurance

One of the critical needs for every business owner is choosing the right business insurance. Too much insurance means money spent that could have been better spent elsewhere. Too little insurance, or the wrong insurance coverage, can mean leaving your business unprotected and open to risk. Choosing appropriate insurance coverage is key to ensuring that the business remains lucrative, especially if any of those risks become reality. A business owners policy (BOP) takes some of the guesswork out of choosing insurance and can make it easier to safeguard your business.... Read More

How to Promote Life Insurance for Millennials

How to Promote Life Insurance for Millennials

Benefits packages are an important tool in recruiting and retaining employees. While health, vision and dental benefits are well at the top of the list, life insurance with its promise of financial security for loved ones, is one of the most popular benefit options. As more members of the millennial generation are entering the workforce, however, some are questioning the need for life insurance. A recent survey conducted by the Life Insurance and Market Research Association (LIMRA) shows that only two-thirds of the millennial generation, have any kind of life... Read More

Group-Term Life Insurance: A Benefit for Everyone

Group-Term Life Insurance A Benefit for Everyone

Employee benefits are one of the keys to attracting and retaining great employees. Health care is always at the top of the benefits list, but after medical, dental and vision care plans, life insurance is one of the most requested employee benefits. Offering your employees group-term life insurance is not only helps your employees save money on an important insurance coverage while protecting their families, it is also a benefit you can offer at low cost to the company.   The Basics Group-term life insurance is coverage that employers offer... Read More

Workers’ Compensation in Colorado: What You Need to Know

Workers' Compensation in Colorado What You Need to Know

Workers’ Compensation insurance is an insurance system that provides medical benefits and monetary compensation to assist employees who become injured or ill as a result of their jobs. The Workers’ Compensation Act of Colorado (WCAC) defines employer responsibilities for the state’s workers’ compensation program. Compliance with this act is monitored by the Division of Workers’ Compensation (DWC), part of the Colorado Department of Labor and Employment. One of the purposes of the workers’ compensation system is to reduce the risk of litigation when work-related injuries and illnesses result in employee... Read More