Your Inner World

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

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

Understanding Mental Illness in the Workplace

Many Americans suffer from mental illness – and this includes many of the employees at your company. In fact, nearly 43.8 million Americans deal with mental illness each year. Because mental illness is so prevalent, it’s imperative that all employers understand the rights of workers dealing with mental health issues. ADA Protections According to the U.S. Equal Employment Opportunity Commission, employees struggling with mental illness are granted rights under the Americans with Disabilities Act (ADA). These rights include the following: Workers cannot be harassed or discriminated against due to mental... Read More

Small Business Planning

Small business insurance planning for both start-ups and existing small businesses is a must. Once you’ve gone into business, protecting that business is essential. Insuring your small business is a must to protect the assets of both the business and the owner and to provide protection against a variety of risks. Two major areas of coverage needed are property and liability.  Both of these types of coverage and more are available as separate policies or combined in a business owner’s policy. General liability insurance protects the business against a lawsuit... Read More

Are Mental Health Treatments Covered by Health Insurance?

According to State of Mental Health in America 2018’s report, more than 40 million Americans have a mental health condition. That’s why getting help when you have a mental health condition is really important, however, many people don’t know that they may have coverage for mental health treatment on their current health insurance plan. Although not all health plans are required to offer coverage for mental health treatment and services, many employer group insurance health plans do offer the coverage since health care reform. It is important to understand what... Read More

Help Your Employees Struggling with Addiction to Get FIT

Today, millions of people struggle with a substance use disorder that can adversely affect every aspect of their lives, including school, community, and work. An employee who suffers from addiction, or has a loved one who is impacted, can unwittingly drive hidden costs and challenges for employers. Lost productivity, absenteeism, injuries, fatalities, theft, and low employee morale are some of the most common issues related to addiction. Some other consequences are increased health care costs, human resources issues, legal liabilities, and workers’ compensation costs. Your employees are your greatest asset.... 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

Achieve Password Protection Perfection

Recently, Facebook announced that an internal security review found the passwords of hundreds of millions of users had been stored on company servers without encryption, but that no passwords were leaked and the company has found no indication the sensitive data was improperly accessed. The issue was first brought to light by Brian Krebs, a security researcher who detailed the concern over password security in a blog post detailing that Facebook employees built applications that captured the passwords of users and stored them as plain text, meaning a password would... Read More