There are typically two approaches to securing health coverage for your staff - group health insurance or self-funding.

Self-funding, however, can be costly and risky for some employers and is usually only done by larger organizations with thousands of employees. However, there is a hybrid model that can help small and mid-sized employers provide their staff with affordable health coverage: partial self-insuring.
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In the course of doing business, you may sometimes find yourself entering into contracts requiring that your business be named as an additional insured on another party's insurance policies.
 
This is often done to protect your business from losses for which you may be legally liable as a result of the business relationship you have with the other party, but that are not due to your own business's direct negligence.
 
An additional insured is defined as an individual or entity that not automatically included as an insured under the policy of another, but for whom the named insured's policy provides a certain degree of protection.

Combined with rising tuition costs, more people are attending college than ever before. That education, though, has come at a high price. Nationally, outstanding student loan debt totals $1.52 trillion.

While individuals appreciate, and have come to expect, traditional benefits like health insurance and paid time off, many new graduates are looking for companies that offer non-traditional benefits like student loan repayment assistance. 
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A fire can happen anywhere, but three simple steps: Look, Listen, and Learn, are essential to reducing the likelihood of having a fire and escaping safely in the event of one. The National Fire Protection Association’s 2019 Fire Protection Week Campaign is an important reminder to:

• Look for places fire could start. Take a good look around your home. Identify potential fire hazards and take care of them.
• Listen for the sound of the smoke alarm. You could have only minutes to escape safely once the smoke alarm sounds. Go to your outside meeting place, which should be a safe distance from the home and where everyone should know to meet.
• Learn two ways out of every room and make sure all doors and windows leading outside open easily and are free of clutter.

Fires are the leading cause of home injuries and death. In a fire, mere seconds can mean the difference between a safe escape and a tragedy.  Does your family have a plan if a fire started in your home?
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Expecting a baby is one of the most joyous experiences in life.  As you prepare your nursery, don't forget to review your insurance to make sure your coverage reflects the change in your growing family.  Below are a few pointers. 
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​When stores lease real estate spaces or construction firms win jobs, the party on the other end usually has a particular set of requirements.
 
One of the requirements is that the tenant, contractor, or borrower show proof that he or she has adequate insurance.
 
Copies of insurance documents may be sufficient. But, not all companies want copies sitting around. A suitable substitute for document copies is a certificate of insurance. 
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Choosing the right dental benefits plan for your employees is always filled with compromises and difficult decisions, no matter if this is the first time you offer a dental plan at your company, or you are just revising the benefits currently provided.
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Business owners who form a corporation or a limited liability company (LLC) may question the need for the business to carry insurance. A significant benefit of these forms of business organization is that they shield the owners' personal assets. Because of this, they may believe insurance is unnecessary.
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A recent appeals decision denied coverage to a company on its directors and officers (D&O) liability insurance policies for taking too long to file the claim.
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As natural catastrophes continue growing in number and severity, everyone should be prepared for quick evacuation in case of emergency. Even if you don't live in an area known for natural disasters, you should always be ready in case you have to make a sudden evacuation.
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