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While workers' compensation covers most workplace injuries, there are a few exceptions. The workers’ compensation system is a no-fault system. Meaning, it makes no difference whether the injury was caused by you or your employee’s negligence. In general, all that matters is that your employee’s injury was directly caused by their job. However, there are…

More and more Americans are leaving their cubicles to work on their own. Well, why not? You decide how to run your business. You decide when to work. Who is on your team is up to you. Those are some great perks. So it's not surprising that there are 15 million self-employed professionals in the…

Your small business can benefit from many different kinds of commercial insurance, including policies like general liability, commercial property, and small group health coverage. One of the most important policies to add to that list is workers’ compensation insurance.    With this type of policy, small business owners can protect their employees and themselves from…

Workers’ compensation insurance is a key part of most companies' risk management plans. Workers compensation coverage pays for lost wages and medical expenses when someone is injured on the jobsite. Most states require all businesses to have workers’ compensation insurance of some sort. But does the same rule apply to 1099 workers? 1099 workers, also…

Almost any time of the year, fires, floods, storms, hurricanes, and many other disasters can cause a lot of damage to homes and businesses. One of the first things a business owner should do to protect their investments from natural disasters is buy business insurance, specifically commercial property insurance. Commercial property insurance is a type…

When it comes to buying insurance for your business, not knowing the difference between claims-made and occurrence plans can be an expensive error. Getting a claims-made or occurrence policy will have a significant impact not just on the cost of your coverage. But also, on the lifecycle of your coverage. Professional liability and directors and…

Losing a job can be a stressful and challenging experience, and one of the many concerns that may arise is how to maintain access to essential healthcare services. Health insurance is a critical component of overall well-being, providing financial protection and access to medical care when needed. Fortunately, there are several avenues available for individuals…

Employee fatigue has become a major worry for both workers and employers in today's fast-paced and demanding work environments. Employee hours are increasing longer as our economy demands more and more from its workers. This frequently implies that employees can work much beyond the regular work week, putting them at risk of tiredness and fatigue.…

Although workers’ compensation is generally for employers to have for their employees it also covers you if you’re self-employed, such as an independent contractor. Just because you work for yourself doesn’t always mean workers’ compensation is optional for you. Almost every state requires that companies give workers' compensation insurance to their employees. Each state has…

A commercial package policy (CPP) is a type of insurance policy that covers various dangers, such as liability and property risk. A commercial package policy enables a company to receive insurance coverage in a flexible manner. CPPs also offer the advantage of allowing you to pay cheaper rates than if you got a separate policy…

Risk management is the core of commercial insurance. You know you have to protect your business from lawsuits, like if an employee is injured on company property, as well as from disasters such as fire or theft. However, not all damages are physical and not all claims are made by third parties. There are times…

In today's complex healthcare landscape, understanding medical benefits is essential for individuals and families to access quality care while managing costs. Medical benefits encompass the coverage and services provided by health insurance plans or programs, offering financial protection against unforeseen medical expenses. This comprehensive guide aims to demystify the intricacies of medical benefits, empowering readers…

One of the most important concerns for both workers and businesses is the health and safety of their workforce. Workers' compensation insurance and occupational accident insurance are two important insurance policies. They each come into play when it comes to the protection and safety of the workplace. In spite of the fact that both are…

When it comes to your health insurance, Open Enrollment is the most important time of the year. This is the time that you’ll be able to change your plan, or enroll in a new one that better suits your needs and saves you money. It's imperative that you know when the Open Enrollment Period (OEP)…

The Health Insurance Open Enrollment Period is coming up: starting November 1st, you’ll have around 6 weeks to find a plan that meets your needs. That means a lot of information about all the different health insurance plans available, and information about any changes to your current plan will soon be coming your way. You’ll…

Let’s face facts—every business no matter how big or small faces risks. Beyond handling the day-to-day of operations, one must also consider the unexpected events that can jeopardize the stability and financial health of the business. This is where commercial insurance comes into play. Commercial insurance is an essential tool helping to safeguard companies from…

Health insurance is an important component of financial and physical well-being since it allows people to obtain necessary medical care. However, not everyone chooses the health insurance provided by their employment or through government programs. Some people choose to look for alternatives, and one way to do this is to get a health insurance waiver.…

Embarking on a business venture is an exciting journey filled with possibilities and opportunities. However, it's essential to be prepared for the unexpected challenges that may arise. One crucial aspect of this preparation is securing the right business insurance. Each industry faces unique risks. So, understanding the types of insurance coverage needed is key to…