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Managing contractual insurance requirements from your vendors and subcontractors is rarely straightforward, but it is an integral part of risk management. Insurance requirements under any contract can be difficult to administer, because the more complicated the project or service, the more sophisticated vendors and subs insurance programs may be. When evaluating deductibles, self-insured retentions (SIRs) [...]

In small businesses, the death or disability of a key employee is difficult to overcome. His or her share in the business normally transfers to heirs. This can cause problems for businesses that may not want a new partner or cannot afford to buy out heirs. To avoid this problem, many business owners enter into [...]

We've all had moments when we kick ourselves for forgetting something. You get home from the market and realize you've forgotten one ingredient for dinner. You've forgotten your sister's birthday or the annual company picnic. Normally, you can recover from these momentary memory lapses, but no matter what, don't forget to pay your insurance premium [...]

Even savvy car insurance customers might not be aware of all the little-known facts about car insurance claims and coverage. Your insurance policy will probably cover you while you are in Canada. Driving in Canada is rarely discussed when purchasing auto insurance. Thankfully though, most insurance companies extend your same policy's coverage while north of [...]

One thing is certain for 2014: With the implementation of the Affordable Care Act (ACA), major changes are underway that affect more than just your healthcare options. The most significant provision of the ACA requires all Americans to have healthcare. Known as the individual mandate, this portion of the bill imposes a penalty on those [...]

As 2014 approaches, the Affordable Care Act (ACA) will bring many changes not only for American citizens, but also for doctors and insurance companies. How it Impacts You If you already have health insurance, 2014 will proceed normally. If you don't purchase health insurance, you could incur a penalty. If you purchase health insurance through [...]

Life insurance, the traditional wisdom holds, is easy to obtain when you're young and healthy, but can be difficult to obtain (or prohibitively expensive) as you age or experience health problems. Is it worth considering, then, if you're not in good health? The traditional wisdom is, to a great extent, true. The cheapest rates for [...]

We all know them: Employees who make life miserable for their colleagues  - an organization's adult bullies. It's a fact that one workplace "jerk" can wreak havoc on morale and generate employment claims that can cost thousands to defend. This jerk and his or her wingmen can also bring a regulatory scrutiny you'd prefer to [...]

Many companies are asking whether dependent eligibility audits (DEAs) are still appropriate, given the Patient Protection and Affordable Care Act (ACA). According to industry experts, the answer is yes - many companies believe that DEAs still represent a good way to save on benefit costs, and with good reason. A recent article in Employee Benefit [...]

Many insurance experts recommend insuring your home at replacement cost value rather than actual cash value. And many home owners (and renters) believe it also makes sense to insure their contents at replacement cost value; your personal property is worth it, and so is your peace of mind. To understand both forms of coverage, let's [...]

While your teenager is dreaming of the open road; you're just plain scared. But when D(rive) day arrives, nothing is more important than keeping your teen safe. The Centers for Disease Control and Prevention report that the top cause of all teen deaths is vehicle crashes: Teens 16 to 19 years old are three times [...]

For many of us, 2014 is coming up faster than expected, leaving we procrastinators with the need to find health insurance quickly. So, where do you find health insurance? It may be easier than you think. Group Plans. If you have coverage through an employer or a network of businesses, no action is required on [...]

The Patient Protection and Affordable Care Act (ACA) affects every U.S. citizen, including seniors on Medicare. The changes it has brought and will bring are significant, but there remains a lot of confusion over the impact of the ACA on Medicare and seniors. The good news: Medicare benefits are not only secure, but the majority [...]

Many people who buy life-insurance policies believe they’ll need coverage their entire lives. In fact, that isn’t always the case. There are a number of instances where your life insurance needs pre-date your death; you may not need life insurance until you die. How do you determine how long you’ll need life insurance? First, ask [...]

Winter, spring, summer and fall. Each season has its unique characteristics. But depending on where you live, one season may last longer than the others. Do you tough it out through a long, harsh Vermont winter? Or do you escape to the beaches of sunny Florida? Either way, you quite possibly will need a vehicle [...]

Dogs may be man’s best friend, but when you introduce your new friend to your home insurance company, watch out. Some breeds make the unofficial Bad Dog list - which may mean higher premiums, or even worse, difficulty in obtaining insurance coverage. While you see your dog as a family member, your insurance company sees [...]

Life insurance is effective for more than the traditional use, which is to provide a cushion of liquidity for your loved ones when you're no longer around. Alternative life-insurance strategies can help achieve a number of goals, including replacing pension income. Consider the case of a couple who plan to live their retirement on one [...]

There's a lot in the news these days about self-directed retirement accounts, such as real estate IRAs, gold IRAs, and the like. Some people with health savings accounts (HSAs) have been wondering if HSAs can be self-directed, and if they should be moving in the same direction. What is a self-directed HSA? It is possible [...]

Some people are tempted to tempt fate by going without health insurance coverage until they get sick. The provision in the Affordable Care Act (ACA) covering pre-existing conditions such as cancer and diabetes comes into effect on January 1, 2014. At this time, no one can be refused coverage or charged extra because of a [...]

Your belief that my organization is immune to fraud may cost you thousands of dollars, or even destroy your business. Fraud is a global problem. According to the Association of Certified Fraud Examiners (ACFE) 2012 Report to the Nations, the typical organization loses 5 percent of its revenues to fraud annually. In global terms, that's [...]

"Over the years, we've had many rate quotes from large national companies, independents and internet based companies and they've never come close to the rates we receive through TCIS."

Kevin M.
Peachtree City, Ga

 

 

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