Our home should be a safe haven since it is where we spend most of our time. Unfortunately, most homes are vulnerable to a number of safety and security risks that require homeowners and renters to take additional steps to…
Do You Need Disability Insurance?
The short answer is “yes.” If your family relies on your income, you need disability insurance. According to the Affordable Insurance Protection website, over the course of your career, you are three and a half times more likely to be…
How to detect and prevent carbon monoxide leaks
Carbon monoxide can be a serious problem for homeowners. Overexposure to this invisible, odorless, poisonous gas can cause flu-like symptoms, serious sickness or and even death. Nine out of ten carbon monoxide accidents (excluding fires) happened in homes — not in commercial…
New Law Exempts Certain Small Employer HRAs from ACA Market Reforms
President Obama has signed into law the 21st Century Cures Act, which, among other things, allows small employers to offer new “qualified small employer health reimbursement arrangements” to reimburse employees for qualified medical expenses, including individual health insurance premiums, for years after December 31,…
Workers’ Compensation Audit Noncompliance Charge
The standard workers’ compensation policy mandates that an employer must provide the insurance carrier with all records necessary to determine premium. When an employer does not allow the insurance carrier to examine and audit its records, the final earned premium…