A construction worker sits on the floor in a partially built brick structure, appearing to be in pain, holding his knee after a possible injury. He is wearing a reflective safety vest and work boots. Tools, including an extension cord, are scattered around him. In the top-right corner, the ez.insure logo is visible. Below the image, the text reads: 'When Can Your Employees File For Workers' Comp?

When Can Your Employees File For Workers’ Comp?

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…

Continue reading
0
Self-employed woman working in her home office, using a calculator and phone, highlighting the need for business insurance. There is text below her reading "The Self-Employed: Learn more about why you need insurance to protect yourself, your family and your business.

Business Insurance For The Self-Employed

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…

Continue reading
0
Construction workers reviewing documents on a worksite with a caption asking if workers' compensation insurance is required.

Am I Required To Have Workers’ Compensation Insurance?

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…

Continue reading
0
Confused woman surrounded by question marks with text asking if businesses need workers' compensation insurance for 1099 contractors.

Do I Need Workers’ Compensation Insurance If I Have 1099 Contractors?

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…

Continue reading
0
A close-up image shows two hands exchanging keys in front of a modern commercial building. One person is handing over a set of keys with a house symbol, while another receives them. A calculator icon appears in the top-right corner, symbolizing calculation. Below the image, the text reads: 'How Is My Commercial Property Insurance Premium Calculated?' The branding for ez.insure is visible in the top-left corner

How Is My Commercial Property Insurance Premium Calculated?

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…

Continue reading
0
A close-up of a person filling out an insurance claim form on a clipboard with a blue pen. The form is labeled 'Insurance Claim Form' at the top. The image includes the ez.insure logo in the top right corner, and the title 'Claims-Made vs. Occurrence Policies' at the bottom, with colorful design elements on the right side

Claims-Made vs. Occurrence Policies

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…

Continue reading
0
A woman sitting on a pink chair in a waiting area, looking thoughtful, with three empty pink chairs beside her. The image is set against a light blue background with the title 'How to Get Health Insurance While Unemployed' in bold black text above. The ez.insure logo is in the top left corner, and the website 'www.ez.insure' is displayed at the bottom

How To Get Health Insurance While Unemployed

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…

Continue reading
0
A person lying at a desk with their head resting on an open notebook, surrounded by crumpled papers and a pair of glasses. The title reads 'How Employee Fatigue Affects Workers’ Comp' in bold black text, with the subtitle 'What You Need to Know' highlighted in green. The ez.insure logo is in the top right corner, and the website 'www.ez.insure' is displayed at the bottom, framed by a blue border.

How Employee Fatigue Affects Workers’ Comp

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.…

Continue reading
0
A young woman wearing glasses sits at a desk with a clipboard, tablet, and laptop, surrounded by packages. She smiles while reviewing a document. The image is titled 'Workers’ Compensation For The Self-Employed' in bold text, with the ez.insure logo in the top right corner and a blue border framing the image. The website 'www.ez.insure' is displayed at the bottom.

Workers’ Compensation For The Self-Employed

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…

Continue reading
0
A close-up image of a set of brass keys on a keyring, with the title 'Commercial Property Package: What You Need to Know' in bold text. The words 'What You Need to Know' are highlighted in green. The ez.insure logo appears in the top right corner, and the website 'www.ez.insure' is displayed at the bottom, framed by a blue border

Commercial Property Package: What You Need To Know

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…

Continue reading
0
A close-up of an insurance policy document with the title 'Insurance Policy Terms and Conditions,' along with a calculator, glasses, and a pen placed on the desk. The title above reads 'Making Sense of E&O Insurance & EPLI' in bold, with 'E&O Insurance & EPLI' highlighted in green. The ez.insure logo is at the top right, and the website 'www.ez.insure' is displayed at the bottom, framed by a blue border

Making Sense Of E&O Insurance & EPLI

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…

Continue reading
0
A young woman with long dark hair sits at a desk smiling, wearing earphones and working on a laptop. The image has the title 'Understanding Medical Benefits' in bold black text, with the subtitle 'How to make informed decisions about your coverage' beneath it. The ez.insure logo appears in the top right corner, and the background is framed with a blue border and green dot accents on the left side.

Understanding Medical Benefits

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…

Continue reading
0
Two warehouse workers in safety gear, one wearing a blue hard hat and the other a yellow hard hat, review paperwork while holding a small package. They are standing in an organized warehouse with shelves stacked with boxes in the background. The image includes the ez.insure logo in the top left and the title 'Workers’ Compensation vs. Occupational Accident Insurance' at the bottom, with colorful design elements on the right side.

Workers’ Comp vs. Occupational Accident Insurance

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…

Continue reading
0
Open Enrollment for 2025 displayed by EZ.insure, with a background of tall office buildings

When Is Open Enrollment for 2025?

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)…

Continue reading
0
Smiling family outdoors. Below them is the text "4 Things You Should Be Doing to Plan for the Open Enrollment Period."

4 Things You Should Do to Plan for the Open Enrollment Period

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…

Continue reading
0
Businesswoman working on a laptop researching commercial insurance for business protection.

What is Commercial Insurance?

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…

Continue reading
0
A close-up of an application form with the section for the applicant's signature highlighted, representing the concept of a health insurance waiver. The image features the title 'What Is a Health Insurance Waiver?' with the key term 'waiver' emphasized in green. The ez.insure logo appears in the top right corner, and the website URL is displayed at the bottom

What Is A Health Insurance Waiver?

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.…

Continue reading
0
A modern, high-rise building backdrop emphasizes the concept of business insurance tailored by industry. The image highlights the title 'Business Insurance By Industry' with the ez.insure logo centered below it. The design reflects a professional and industry-specific approach to business insurance solutions, with the website URL at the bottom

Business Insurance By Industry

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…

Continue reading
0