Can I Switch to a Different Medigap Policy?
Posted: March 21, 2022
Can I Switch to a Different Medigap Policy?If you have Medigap insurance (Medicare Supplemental Insurance), you may be considering switching or canceling your policy. Under certain circumstances, you have the right to switch to another policy. If you are within the six-month open enrollment period, you can switch policies, or you could be eligible due to a specific circumstance. Some of the reasons people consider switching Medigap policies include: You would like...
Commercial Umbrella Insurance 101
Posted: March 19, 2022
Commercial Umbrella Insurance 101Business owners put general liability insurance in place to protect against the excessive financial costs of defending claims and lawsuits. Umbrella insurance is designed to provide coverage above the limits of business liability insurance policies. This insurance takes over when your liability insurance limits have been reached. Businesses, no matter how carefully they manage their operations, can be named in several types of lawsuits. A...
Motorcycle & Boat Coverage During Winter: Laid Up vs. Canceling
Posted: March 16, 2022
Motorcycle & Boat Coverage During Winter: Laid Up vs. CancelingUnless you live in one of our warmer states, you will need to winterize and store your boat or motorcycle during the winter months. You have several options, including canceling your insurance, reducing the coverage, or increasing the deductible. What is Lay-Up Insurance? “Lay Up Insurance” is offered by insurance companies serving the northern states, where riding a motorcycle or boating over the winter is...
Does Car Insurance Cover Hail Damage?
Posted: March 16, 2022
Does Car Insurance Cover Hail Damage?We’ve all experienced it at some point. Dark gray clouds form ominously above. Thunder rumbles and lightning claps. Rain falls in heavy sheets. And then, the sky opens for Mother Nature’s angry ice dispenser. Ranging from the size of a pea to the size of a grapefruit, these ice stones can wreak havoc on fields, livestock, buildings and homes. They can also total—yes, total—a vehicle...
How to Prepare for an Employee Going on Maternity Leave
Posted: March 13, 2022
How to Prepare for an Employee Going on Maternity LeaveCompanies with over 50 employees are required, under the FMLA (Family and Medical Leave Act), to offer maternity leave for up to 12 weeks. Over that period, the person’s job is protected, and after the parental leave time has expired, the person has the right to return to the original job, without penalty in pay or position. When an employee is planning to go on...