Many business owners believe their property insurance covers everything after a loss. That is a risky assumption. While property insurance helps pay to repair physical damage, it often does not replace lost income while your business is closed. That is…
Waiting periods are a common feature of employer-sponsored health insurance plans, yet they are often misunderstood. Employees may assume coverage starts on day one, and in some cases, even office managers are unclear on when benefits actually begin. When waiting…
Running a business means managing people, and people create risk. Even well intentioned employers face exposure from employee related claims. A single complaint can lead to legal costs, settlements, and long term damage to your business. Employment Practices Liability Insurance,…
February is all about expressing love and sometimes that means giving something special. Maybe it’s a diamond necklace, a designer watch, or even an heirloom passed down through generations. These gifts aren’t just meaningful, they’re valuable. But here’s what many…
Even though life insurance is one of the most affordable and important ways to protect your family, many people still don’t have coverage or not enough of it. Why? Because myths and misconceptions keep getting in the way. Let’s set…
