Blog

  1. Shopping for Auto Rates

    by Elaine

    Category: Blog

    TOP WAYS TO SAVE ON YOUR AUTO PREMIUM Consider raising your deductible Keep up your good driving record Drive less to qualify for a low-mileage discount Drive a car with safety features such as anti-lock brakes, airbags, etc Install an anti-theft device Ask about our multi-policy discounts THE BASICS Learning about how automobile insurance rates […]

  2. The Hardening Auto Insurance Market

    by Elaine

    Category: Blog

    Auto insurance premiums have been on the rise since April 2016, when a 6 percent rate hike made it the biggest monthly increase since 2003. While the need for harder conditions in the auto insurance market is overdue, both personal and commercial auto policies are noticing the effects. And due to contributing factors that include […]

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  3. Common Auto Insurance Policy Questions

    by Elaine

    Category: Blog

    IF A FRIEND DRIVES MY CAR, IS HE OR SHE COVERED BY MY POLICY? Since most insurance coverage is connected directly to the car, if someone else borrows your car occasionally, he or she should be covered under your policy. Yet, your premium is based on both your vehicle and the “primary” driver of that […]

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  4. Third-party Employment Practices Liability Insurance

    by Elaine

    Category: Blog

    In our increasingly litigious society, the threat of a lawsuit hangs over every business transaction, large or small. Even employers who adhere to the letter of the law at all times are likely to be sued by an aggrieved employee or customer at some point. While many suits are groundless, defending against them is costly […]

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  5. Ransomware Attack Sweeping the Globe

    by Elaine

    Category: Blog

    Another global cyber attack was activated on Tuesday, 6/27, leaving companies across Europe, Australia and even the United States struggling to respond. This outbreak may be the most sophisticated of a series of attacks initiated after hacking tools were stolen from the National Security Agency and leaked online in April. Similar to the WannaCry attacks […]

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  6. Employment Practices Liability Insurance: Crucial for Small Businesses

    by Elaine

    Category: Blog

    According to a recent study, more than half of all claims filed for employment-related liabilities are against employers with fewer than 50 employees. Alarmingly, the study also reveals that not even 2 percent of small businesses have employment practices liability (EPL) coverage. High Price Tag Employment-related claims can be extremely costly, especially in cases that […]

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  7. Employment Practices Liability Insurance

    by Elaine

    Category: Blog

    From the moment that you start the pre-hiring process until the exit interview, you are vulnerable to an employment-related lawsuit. As a result, your business should take a hard look at whether it can afford to defend itself against alleged wrongful employment practices accusations. If not, there is an insurance solution called employment practices liability […]

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  8. Are You Prepared for Employment-related Practices?

    by Elaine

    Category: Blog

    Employment-related lawsuits are a growing concern for employers of all sizes. As costs for litigation and damage awards climb, experts predict that employment liability will only become more complex. As a result, it is critical for employers to understand their exposures and options to manage the risk. Strategies to Reduce Your Company’s Exposure Two effective […]

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  9. DOL Withdraws Joint Employment Guidelines

    by Elaine

    Category: Blog

    Highlights The withdrawal reverts DOL policy to the direct control standard that existed in 2015. The withdrawal does not relieve employers of joint employment liability. The withdrawal limits the scope of where joint employment situations may exist. Important Dates June 7, 2017  The DOL withdraws its 2016 joint employment guidance. OVERVIEW On June 7, 2017, […]

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  10. DOL Withdraws Worker Classification Guidance

    by Elaine

    Category: Blog

    Highlights: The DOL has withdrawn its 2015 guidance on worker classification. Employers are still required to properly classify workers as employees or independent contractors. The withdrawal means that employers must look to tests established by the courts for guidance. Important Dates June 7, 2017-The DOL withdrew its 2015 administrative interpretation on how to apply the […]

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