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
5 Steps to Reducing NY Car Insurance Rates
Posted in Auto Insurance
Tagged Auto coverage, Auto Insurance, NY Car Insurance, NY Car insurance rates, reducing car insurance rates
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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
Posted in Home Insurance
Tagged Home Insurance Cost Factors, Home Insurance Costs, Home Insurance Rates
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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,
Posted in Small Business
Tagged Employee Health, Employee Wellness, Health and Wellness, Workplace Wellness
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Need Personal Insurance? Consider a Package Policy
If 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
Posted in Blog, Personal Insurance
Tagged Auto Insurance, Homeowners insurance, Package Policy, Personal Insurance, Personal Package Policy, Umbrella Liability Insurance
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Employee Benefits Compliance: A Business’s Checklist
Today’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
Posted in Blog, Employee Benefits
Tagged AJ Benet, Compliance Programs, Employee Benefits, Employee Benefits Compliance
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Let it Snow: Safety Tips for Driving on Ice
Driving 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
Posted in Auto Insurance, Blog, Car Insurance
Tagged auto, Auto Insurance, car insurance, Driving on Ice, Personal Insurance, safe winter driving tips, Winter Driving
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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
Posted in Auto Insurance, Blog, Car Insurance
Tagged auto, Auto Insurance, car insurance, Driving safe, Night Driving, Personal Insurance
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Insuring Your Business’s Property? Consider a Replacement Cost Analysis
If 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
Posted in Blog, Business Insurance, Property Insurance
Tagged Business Insurance, Commercial Property Insurance, Property Insurance, Replacement Cost, Replacement Cost Analysis
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