As a business owner, you naturally want to be able to justify every dollar that goes out the door. It’s a competitive market out there for your product or service, and every little advantage helps. Most successful entrepreneurs, however, are keenly aware that the market for talented employees is also keenly competitive – and there’s […]
By Michael Regan Commercial auto insurance provides protection for any vehicle designated for business use against both property damage and liability. Whether your employees drive a vehicle that is for dedicated business use or drive a personal vehicle for business, it is important to have commercial auto insurance, whether that’s insurance for a new HGV […]
Presented by John B. Steiger With the beginning of 2014 upon us, you may be setting goals and resolutions for the New Year. Starting fresh is always a great feeling, but the scale of what we set out to accomplish sometimes becomes overwhelming as the year progresses. The question is, how can you stay motivated […]
More than one-third of Americans use fireplaces, wood stoves and other fuel-fired appliances as primary heat sources in their homes which they often pair with good quality heating oils (from companies similar to https://www.romeosfuel.com/). Unfortunately, many people are unaware of the fire risks when heating with wood and solid fuels. Every year, heating fires account […]
The Professional Services Council (PSC) is the national trade association of the government professional and technical services industry. The PSC mission is to provide value to their members by being the leading advocate and resource for the federal professional and technical services industry. In December the group held a conference outlining SCA for Executives. The […]
The possibility of public health emergencies arising in the United States concerns many people in the wake of recent hurricanes, tsunamis, acts of terrorism, and the threat of pandemic influenza. Though some people feel it is impossible to be prepared for unexpected events, the truth is that taking preparedness actions helps people deal with disasters […]
The Affordable Care Act’s Essential Health Benefits (EHB) provision created ten general categories of benefits outlined below. The requirements apply to all fully insured health plans offered in the individual and small group insured markets both inside and outside of the Exchanges. EHB requirements do not apply to ASO plans, fully insured large group plans […]
Every year, after nearly every natural disaster, thousands of small businesses face a true acid test: Can their business survive an interruption? Hurricanes Andrew, Katrina and Sandy and the tornados that struck Joplin, Missouri in 2010 didn’t just affect structures: They knocked thousands of small and medium-sized businesses out of commission for days, weeks and […]
Federal Contractors must focus on how the Patient Protection Affordable Care Act (PPACA) may soon affect their bottom line. As the changes brought about by the PPACA Act approach, many Federal Contractors are unaware of the potential cost increases bearing down on them. According to Cloud Business Advisors (an innovative employee benefits brokerage and consulting […]
Preliminary Physical Audit At the beginning of your policy year, an on-site audit may be performed to review operations, classifications, and exposures. The auditor will review a representative base period in order to project exposures for the full policy term. We are starting to see an uptick in preliminary physical workers compensation policyholder audits. Rather […]