Insurance Blog


Understanding the different types of insurance

Learn what types of insurance are out there – and what protection they offer.

By learning the types of insurance you can purchase, you can begin taking essential steps to protect yourself, your loved ones, and your belongings. Here is a summary of what’s available to help you protect what’s most important:

 Homeowners Insurance

If you have replacement […]

By |November 21st, 2015|Uncategorized|0 Comments

Small Business employee benefits: Health Reimbursement Arrangement ( HRA )

Introduction to Health Reimbursement Arrangements

A Health Reimbursement Arrangement (HRA), commonly referred to as a Health Reimbursement Account, is an IRS approved, employer-funded, tax-advantaged employer health benefit plan that reimburses employees for out-of-pocket medical expenses and individual health insurance premiums. A Health Reimbursement Arrangement is not health insurance. A Health Reimbursement Arrangement allows the employer to make contributions to […]

By |November 21st, 2015|Uncategorized|0 Comments

13 Types of Insurance a Small Business Owner Should Have

General Liability Insurance:Every business, even if home-based, needs to have liability insurance.  The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.
Property Insurance:  If you own your building or have business personal property, […]

By |November 2nd, 2015|Uncategorized|0 Comments

Five interesting facts about Insurance


Most people understand insurance basics, but how about the other intricacies, such as who invented insurance and what are the craziest things that have been insured? Here are some insurance fun facts:

When was insurance invented?

The basic premise behind insurance to minimize or share risk through cooperation and mutual aid is as old as humankind. Reaching […]

By |November 2nd, 2015|Uncategorized|0 Comments

Picking a good insurance agent or broker

In today’s world, you can buy insurance through a professional middle man/woman (agent or broker), or by calling a toll-free number or going online. If your insurance needs are simple; just a car, for example, you can safely buy a policy on your own, as long as you understand the choices that matter: Adequate liability […]

By |November 2nd, 2015|Uncategorized|0 Comments

How to determine your home insurance coverage



Understanding the Value of Your Home

Your home may be the biggest investment you’ll ever make. So if you’re serious about protecting that investment, here is some important information to consider when determining the coverage amount for your home.
Make Sure that Your Home is Insured for at Least 100% of its Estimated Replacement Cost
To determine your […]

By |November 2nd, 2015|Uncategorized|0 Comments

What is Living Benefit Insurance?


The irony of Life Insurance is that the benefit is realized at the death of the policy holder. It is really “death insurance” but that would be a hard idea to sell. Today, the world of insurance has expanded to also provide benefits while the policy holders are alive – a living benefit.  Living benefit plans are […]

By |November 2nd, 2015|Uncategorized|0 Comments