Insurance Advisor

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

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

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

The ‘Benefits’ of Accident Insurance and How It Can Supplement Your Health Insurance Policy

Do you know what benefits you are entitled to if you have an accident insurance policy? Let’s break things down… an accident insurance policy pays out a lump sum if you incur specific kinds of injury as a result of an accident. Similar to, but legally distinct from health insurance, accident insurance complements disability insurance by allowing you to claim benefits even if the injuries you incur do not keep you out of work. Accident insurance may also complement health insurance if an accident causes you to have medical expenses... Read More

Consolidating Your Payroll and Benefits Services Is Good For Business

Everyone likes getting two things for the price of one. So, why is your organization paying to use a payroll company when you can get the same management services along with a broker who is committed to helping you make informed benefits decisions based on your company’s needs? Highly successful insurance brokers know that by simply offering competitive insurance rates and services isn’t enough to attract and retain long-term clients. In this evolving benefits environment – combined with Health Care Reform and compliance – offering payroll in addition to benefits... Read More

New Year, New Broker. How a Great Insurance Broker Can Make All the Difference This Year

As we ring in the New Year, it’s time to be resolute about making healthy changes in our lives and our relationships – even our professional ones.  Is it time to reconsider the current relationship you have with your broker? The fact is, a subpar relationship with a benefits broker can cause employers to overlook opportunities to manage costs and improve employees’ satisfaction with their benefits package. If you decide to hire a new broker, preparation is key. An employer that understands the needs of their workforce and has a... Read More

What You Need to Know About 2019 Affordable Care Act Reporting

Winter is here, which means it’s time for plaid, twinkle lights and figgy pudding. But there’s something else on HR managers’ minds this time of year: The Affordable Care Act (ACA). Whether it’s open enrollment, tax forms, or benefits eligibility, ACA compliance is probably on your radar. As a result of the Tax Cuts and Jobs Act, signed by the president in December 2017, the individual mandate penalty will reduce to $0 for the first time in 2019. The Affordable Care Act consists of two mandates: the individual mandate and the... Read More

Umbrella Insurance for Your Business and Peace of Mind

Umbrellas provide protection against more than just inclement weather. In a culture where litigation is commonplace, business owners have many more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages and a tainted reputation inthe marketplace. To assist with the financial burden of a claim, many business owners purchase commercial umbrella insurance on top of their standard commercial general liability (CGL) insurance policies. Most CGL policies have an aggregate limit that, once exhausted, will not cover... Read More