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Water can be complex, especially when viewed from an insurance lens. In fact, 24% of all insurance claims are due to water damage, according to the journal Consumer Affairs. That may be why so many questions are raised when evaluating a claim for damage caused by water. Is there coverage?…

Is your company up to the challenge of attracting and retaining the top performers needed to drive your business? Recruiting and retention has taken on a “Game of Thrones” approach where the competition is fierce to land the right candidate, and health benefits are a large part of the equation.…

Insurance: We all know we need it, but if you don’t understand how the process works, you could be led astray. If you aren’t careful, you may even find yourself with extra work you hadn’t expected. A prime example of this extra work can come in the form of the…

No matter the product produced or the service provided, most business owners share the same greatest asset and largest investment—their employees. Attracting and retaining human capital is the desired result of considerable time and money spent on hiring, training, operating payroll and providing benefits. In addition to the many unforeseeable…

People of all generations are embracing social media: we want to interact with others, to know what they are doing and talking about. Today, dozens of social platforms and messenger applications promise us the ability to do this instantly. Research shows that people today spend up to two hours each…

As open enrollment time approaches each year, companies have to look at every aspect of their benefits package in order to manage rising costs while still offering their employees attractive options. One part of the package that’s getting more and more attention is pharmacy costs and the role of the…

The best way to have a low Experience Modification Rating (MOD) score is to avoid workers’ compensation claims altogether, but when they inevitably happen, you don’t have to wait three years for the incident to drop off the radar. There are ways to manage risk now. Start by gaining an…

Don’t get caught driving without it. Uninsured motorists and underinsured motorists coverage, commonly referred to as “UM/UIM” coverage, provides you with bodily injury protection in an auto accident caused by another party who has low or no limits of liability. If you sustain bodily injury in an accident, and the…

When selling a house, most of us don’t invite buyers over with dirty laundry on the floor and a sink full of dirty dishes. We know that showing a house at its worst can make it more difficult to sell and probably cost us money in the long run. However,…

March 2025 With 10 years of experience in the insurance and healthcare industry, I’ve had the privilege of working alongside some of the brightest minds in the field.  Over the years, I’ve met with over 500 different organizations and personally consulted with more than 100 companies, ranging in size from…