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[Video] Independent School Benefits Consortium™ (ISBC)

Kurt Meinberg

Purchasing employee health insurance for the average-sized, independent school can be a challenge. Watch as Kurt Meinberg talks about the Independent School Benefits Consortium™ (ISBC) as a solution.  

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Distracted Driving: When Higher Auto Insurance Rates Become the Least of Your Worries

Corissa Banghart

We’ve all seen it—that person in the car beside us who’s looking down at a phone, eating a cheeseburger, or even applying makeup. This makes most of us very nervous for good reason. In an age when constant contact is expected, texting, monitoring emails and attending virtual meetings have become…

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The State of the Hard Real Estate Insurance Market and the Importance of Underwriter Comfort

With the hard insurance market continuing what may soon be a historical run, property owners across asset classes are clamoring to gain clarity and control of their terms and premiums. This hard market has many contributing factors, including rising replacement costs, capacity going down as losses pile up, and supply…

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When Your Surety Surprises You and Says “No”

Mark Rader

It’s usually not the end of the world when your surety company says “no,” but certainly this is a position you should try to avoid. However, when a surety does surprise you by denying your bond request, there is a disconnect somewhere between the surety, the broker, the client, or…

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How Instant-Issue Life Insurance Differs from Working with an Advisor

Matt Byrnes

You know when you turn on the television or radio and hear the ads for affordable life insurance from different instant-issue life insurance companies? Have you ever looked at the websites of those firms and seen what they offer? Ever wonder if all of it sounds too good to be…

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Protecting Your Business from Cybercrime

Rita Small

Gone are the days of writing physical checks and handing them off to a known banker for deposit or putting them in the mail for payment to a personal contact. Now, nearly all transactions are completed electronically without conversation between the parties involved. While convenient, this can leave you at…

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The Art of a Surety Deal

Mark Rader

Putting together a surety program can range from a simple project to a complex undertaking, depending on the variables involved. The key is to identify the specific variables, steps and level of complexity in advance, so the proper approach can be taken from the start. The more complex and potentially difficult…

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The Real Value of Personal Indemnity

Mark Rader

Most surety deals for privately held companies require the personal guarantee of business owners, similar to bank credit.  When a business gets larger and stronger financially, personal guarantees may be eliminated at some point.  Keep in mind, however, that a surety is also an unsecured creditor, so the surety is…

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Protecting Your Online Presence: Tips to Keep Your Personal Information Safe from Cybercriminals

Cyberattacks are on the rise, with individuals being targeted by digital criminals who threaten to hack into personal information. While we all prefer to think it won’t happen to us, everyone is a potential target. Below are some tips to protect your personal online presence, including social media accounts, use…

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OSHA Expands Use Of The Instance-By-Instance Citation Policy, Increases Fines or Employers

Adam Thomas

Employers could receive significantly higher civil penalties for violations from the Occupational Safety and Health Administration (OSHA), due to a new directive that allows compliance officers to levy penalties for each violation, rather than grouping them together. As of March 26, OSHA compliance officers will be able to use the…

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