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5 Steps to Reducing NY Car Insurance Rates

Do you know ways you can keep your car insurance rates low? Most people are aware that one of the best ways to keep auto insurance costs down is to have a good driving record. But there are many other things you can do to lower your insurance costs. Prior to purchasing a vehicle, it is important to check insurance costs. Car insurance premiums are typically based on the car's price, the cost to repair it, its overall safety record and the likelihood of theft. You may be able to qualify for discounts for features that reduce the risk of

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Helpful Tips for Buying a Home

There comes a point in one’s life where you get tired of renting, moving from one place to another, and dream of having your own home and your own space. Owning a home means having the ability to decorate your walls the way you want to, make holes on them to hang frames or change the layout of your entire bedroom, without having to ask for anyone’s permission. You can do anything you want such as restructure or renovate, as long as you have the means to pursue with your plans. It may seem like buying a home is a walk

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Implementing an Effective Return to Work Program

What measures do you have in place to support employees while returning to work? Creating a positive and open program will benefit the business, the employee, and their teams. An effective return to work program will also help the employee maintain productivity while reaccumulating, protecting their earning power, and boosting productivity.

Return to Work Program Structure

Replacing a team member can cost anywhere from half to twice that employee’s salary, so it is worth doing what you can to keep them. Consider these critical elements of a successful return to work program as COVID-19 restrictions are lifted.

Leadership Support

Explain the key benefits of

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7 Factors that Affect Home Insurance Rates

There are many factors that impact your home insurance rates. While your insurance provider can explain to you the factors that play a part in your specific premiums, it really all comes down to risk and how likely you are to file a claim. The key is to understand your risk and what you can do to minimize it. Here are a few factors that impact your home insurance cost.

Replacement Cost

Do not make the common mistake of under-insuring the value of your home, as this can lead to financial devastation if a loss occurs. Estimated replacement cost refers to what

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Fun Ways to Bring Employee Wellness to the Workplace

Have you made health and employee wellness a priority at your workplace? There are many creative ways you can do this. Make health and wellness a priority to help your employees stay engaged and motivated on the job. Here are some ideas to get you started.

Walking Meetings

Coordinate walking meetings with your coworkers. It’s not good for employees to just sit in an office all day everyday. Walking for 30 mins will help your employees feel less tense, more enthusiastic, and more relaxed. It will also promote creative thinking, better focus, and improve overall employee wellness.

Essential Oils

Using essential oils of lavender,

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Need Personal Insurance? Consider a Package Policy

Need Personal Insurance Consider a Package PolicyIf you have quite a bit to insure, such as high-valued property, multiple autos, and other high-end items, you should think about how you can benefit from consolidating multiple policies with one insurance company. If you are in need of personal insurance for a variety of assets, don't underestimate the value of a strong package policy.

Why it is Helpful

A package policy is able to eliminate overlaps or gaps in coverages, offer discounts and reduce premiums, and provide the convenience of having

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Employee Benefits Compliance: A Business’s Checklist

Employee Benefits Compliance A Business’s ChecklistToday’s environment requires keeping abreast of state and federal employee benefits regulations and maintaining compliance. This can be quite time-consuming and, if not done properly, can result in a lawsuit for your business. Legislation such as HIPAA, COBRA, USERRA, the Medicare Modernization Act and the Affordable Care Act have many HR departments working tirelessly to secure the management of these plans. 

Affordable Care Act 

The ACA defined who was an applicable large employer (ALE) as those with at least 50 full-time employees. Any qualified ALE

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Let it Snow: Safety Tips for Driving on Ice

Let it Snow Safety Tips for Driving on IceDriving on ice is extremely dangerous and poses unique challenges and risks. Even the most skilled drivers should avoid driving when the roads ice up. When the temperature gets close to freezing, you should start getting concerned. However, driving on ice isn't always avoidable. What should you do when you're required to drive on icy roads to reach your destination?

Prepare 

Equip your vehicle with chains or snow tires. Chains are by far the most effective and should be used where ice

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As We Head Into Fall and Winter, Now’s the Time to Brush Up on Night Driving Safety

The days are getting shorter, and with Daylight Savings right around the corner, they're about to get even more so. Many people will find themselves spending more time driving in the dark during these coming months, which jeopardizes depth perception, color recognition, and peripheral vision. The glare of headlights from an oncoming vehicle can also become a huge obstacle for drivers. With the holidays coming up fast, no one wants to end up in a costly, stressful, time-consuming accident. 

Enhance Night Vision

At night visibility is limited to about 500 feet with high beams and 250 feet with

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Insuring Your Business’s Property? Consider a Replacement Cost Analysis

Insuring Your Business’s Property Consider a Replacement Cost AnalysisIf their property happens to be destroyed or damaged, businesses must take on a replacement cost to replace essential assets at the same or equal value. The asset to be replaced could be a building, investment securities, accounts receivable or liens. Replacing an asset can be an expensive decision, and companies analyze the net present value (NPV) of the future cash inflows and outflows to make purchasing decisions. Once an asset is purchased, the company determines a useful life for the

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