Insurance Advisor

International Travel Insurance Can Protect Your Staff on the Road

International Travel Insurance Can Protect Your Staff on the Road

Do you or your employees travel out of the United States on business? Do you protect yourself and your employees with international travel insurance? Have you ever thought about it? Your employer-provided health insurance doesn’t provide coverage outside of the US. And what if there’s a weather-related delay, lost luggage or other difficulties of travel? International Travel insurance offers a broad range of benefits and services, such as worldwide emergency hotline services, medical evacuation, reimbursement for unexpected cancellation or delay, and more. Companies with employees who travel abroad for business... Read More

Disability Insurance Can Help When You Can’t Work

Disability Insurance Can Help When You Can’t Work

Have you ever suffered an injury or illness that caused you to miss work? Not just for a sick day, but for a month or two—or even longer? If you have, how did you make up for the lost income after you ran out of sick leave (if you even had it)? If you haven’t, have you thought about what you will do when it does happen? Are you thinking it isn’t going to happen to you? According to disabilitycanhappen.org, more than 25% of today’s 20-year-olds will become disabled before... Read More

Do You Know the Right Life Insurance for You?

Do You Know the Right Life Insurance for You?

If something were to happen to you today, is your family protected? Will your spouse be able to continue paying the mortgage and the car payment? Will your children’s needs be provided for? If you have the right life insurance policy, the answer to these questions will be yes, and you and your family can rest easy, knowing they won’t be left with a double tragedy. Do you know the right life insurance for you? Life insurance is not a one-size-fits-all policy. It is available in a number of different... Read More

Do You Know the Risks of Using Drones for Business?

Do You Know the Risks of Using Drones for Business

While the military and hobbyists have been using unmanned aerial systems (UAS), better known as drones, for some time, businesses are now finding a myriad of uses for them. Drones are creating new opportunities—and new risks—for businesses, and regulators and insurance carriers are  working hard to keep abreast. Are you using drones in your business? Have you made yourself aware of the risks of using drones for business and addressed those risks with your insurance broker? Here are some of the things you need to know. Regulation The FAA considers... Read More

5 Ways You Can Reduce Work Comp Costs

5 Ways You Can Reduce Work Comp Costs

Have you experienced an increase in your workers’ compensation costs over the last couple of years? How have you dealt with it? Many companies, when they experience an increase in work comp costs try to reduce work comp costs by having a safety meeting and reminding employees of safety procedures and policies. But the key to a real reduction in both work comp injury costs and insurance premiums is doing more than just reminding employees to be safe. Having a strong, sound safety program that all team members follow can... Read More

How to Protect Your Company Against Employment Lawsuits

avoid-frivolous-employment-lawsuits

As a business owner, your goal is to hire the most qualified employees. Unfortunately not every hiring decision goes as planned. Even if an employee is terminated for legitimate reasons— such as poor attendance or unsatisfactory work habits—every termination opens the door for a potential lawsuit. Read one business owner’s experience and then learn how employment practice liability insurance (EPLI) can help protect you and your company from costly, frivolous lawsuits. When Mary, a Colorado business owner, received a complaint that her sales manager made crude, disparaging remarks to a... Read More

How to Choose the Right Individual Health Insurance

How to Choose the Right Individual Health Insurance

It’s time to buy your health insurance for 2017. Open enrollment for individual health insurance began November 1st and will continue through January 31, 2017. If you are new to purchasing individual health insurance, this is the time of year you must choose a plan for 2017. If you don’t choose a plan now, you will not be able to get individual health insurance again until 2018, unless you have a major “qualifying” event happen in your life, such as getting married or divorced, having a child, making an interstate... Read More

What Every Employee Must Know About Their Group Open Enrollment

What Every Employee Must Know About Their Group Open Enrollment

For the thousands of employees who receive their health insurance through their employers, it’s open enrollment time for health insurance and other benefits. These benefits are very important for employees and their families and it’s essential to have the necessary information to make the right decision regarding next year’s health coverage, as well as other benefits an employer offers. This coverage usually begins about a month or two after open enrollment and is in effect for a full year. Very often coverage will begin January 1 through December 31, though... Read More

What Every Employer Must Know About Their Group Health Plans

What Every Employer Must Know About Their Group Health Plans

Open enrollment for 2017 insurance plans is just around the corner. If you haven’t already started preparing for your employees’ enrollment in the 2017 group health plans, it’s definitely time to get started. Do you know what you need to know for a successful open enrollment this year?     What Do You Need to Know as an Employer for Open Enrollment? Do you have a grandfathered plan? Knowing whether or not you have a grandfathered plan is critical to making sure you are following the right guidelines. It’s also... Read More

Be Prepared: Do You Have A Business Disaster Plan?

businesses damaged after a storm

Have you prepared your business for the unthinkable? How will your business survive a fire, flood, tornado, blizzard or hailstorm? What about a workday disaster that leaves your staff stranded at the office? Chances are you’ve thought about protecting your business against theft, employee accidents or even a cyber breach (if you haven’t, stop reading and call us right now at 303-721-1145—you need help!) But most businesses don’t have an emergency management plan in place. Did you know that according to FEMA, 40 percent of businesses will not survive a... Read More