The Importance of Clear Headlights for Safe Driving
Headlights are one of the most important safety features on your vehicle. They help ensure you can see the road clearly at night, in bad weather, and during low-visibility conditions. However, over time, headlights can become cloudy, dim, or misaligned, reducing their...
Decoding Out-of-Pocket Maximums: A Key to Smarter Health Insurance Choices
How Health Insurance Brokers Can Impact Your Out-of-Pocket Maximums Costs Navigating health insurance alone can feel overwhelming, especially when evaluating how out-of-pocket maximums influence overall costs. These limits are important when determining the financial...
Critical Illness Insurance. It’s Needed More Often Than You Think.
Do you know anyone who has suffered from cancer, a heart attack or a stroke? The answer is almost certainly “yes.” Consider these statistics: Every 34 seconds, someone in the U.S. will suffer from a coronary event Every 24 seconds, someone in the U.S. is diagnosed...
How to Complete a Flood Risk Assessment
How to Complete a Flood Risk AssessmentThe purpose of a flood risk assessment (FRA) is to evaluate the likelihood of flooding and its potential impact on people, property, and the environment. It is often required for construction projects, especially in flood-prone...
Why More Employers Are Choosing Self-Funded Insurance
Highlights Small to midsize businesses are increasingly adopting self-funded insurance. Many smaller companies think they are too small to afford self-funded insurance. Smaller companies can achieve affordable risk predictability with as few as 25 employees through...
Home Maintenance and Insurance for Homeowners: Are They Connected?
Does homeowners insurance cover preventative maintenance? Not typically – homeowners insurance covers repairs that are necessary due to sudden and accidental damage caused by covered perils. But, failing to perform maintenance could lead to claim denials if damage...
Can You Cancel SR22 Insurance Early? What You Need to Know
For many drivers, SR22 insurance represents a critical step towards restoring and maintaining their driving privileges. But what happens if you find yourself in a position where you want to cancel your SR22 insurance early? It’s important to understand the...
Simplifying Employee Benefits Software with Innovative Programs
Employee Benefits Software Made Easy Employee benefits present unique challenges for businesses in California. From navigating compliance regulations to meeting the expectations of a diverse workforce, managing benefits often overwhelms HR teams and business owners....
Is Age a Factor in Increased Umbrella Insurance Premiums?
Umbrella insurance is a type of liability insurance that provides extra coverage beyond the limits of your standard policies, such as homeowners, auto, or boat insurance. It protects your assets and future earnings by covering claims that exceed the liability limits...
Farm & Agritourism Insurance: Prepare for Busy Spring Season
As the weather warms and spring approaches, farms and agritourism businesses gear up for their busiest time of year. Whether you run a U-pick farm, participate in farmers markets, or host seasonal events, it's important to ensure your insurance coverage aligns with...