Medicare Insurance: What You Need to Know
Medicare Insurance: What You Need to Know Before You Enroll Turning 65 is an important milestone, and for many people it also means making some important decisions about Medicare insurance. Medicare can be confusing. There are multiple parts, different enrollment periods, Medicare Advantage plans, Medicare Supplement plans, and prescription drug coverage. The choices you make […]
Flood Insurance in Ohio: What Homeowners Need to Know
Flood Insurance in Ohio: What Homeowners Need to Know The historic flooding happening across Indiana is a reminder that serious flooding isn’t just a problem for coastal communities or homes sitting next to major rivers. It can happen here in Ohio, too. And there is one important insurance fact every homeowner should understand: Flood damage […]
Bid & Performance Bonds for Large Contractors
Bid & Performance Bonds for Large Contractors: Is Your Surety Ready? Pursuing larger projects? Learn how bid, performance and payment bonds work—and why your surety relationship matters as your construction business grows. Winning larger construction projects can be a major step forward for a contractor. It can also expose a weakness that may have gone […]
Commercial Auto Driver Lists & MVR Checks Explained
Commercial Auto Driver Lists and MVR Checks: Why They Matter If your business owns even one company vehicle, maintaining accurate driver lists and conducting regular MVR checks should be a priority. These simple risk management practices help reduce accidents, improve compliance, and can positively impact your commercial auto insurance program. Whether your business operates two […]
When Insurance Companies Buy Business
When Insurance Companies Start “Buying Business”: What Consumers Should Expect There is an old saying in the insurance industry: “If something seems too good to be true, it probably is.” That saying often applies when an insurance company decides to aggressively buy business. Every few years, one or more insurance carriers enter a market with […]
Could Your Company-Owned Life Insurance Be Taxable?
Company-Owned Life Insurance After the Pension Protection Act of 2006: Small Mistakes Can Create Big Tax Problems Company-owned life insurance (COLI) has long been a valuable planning tool for businesses. When properly structured, it can help fund buy-sell agreements, protect against the financial loss of key employees, finance executive benefit plans, and provide liquidity when […]
Why Your Surety Bond Agency Should Handle Your Insurance
The Surety Test: Why Your Bond Agency Should Handle the Rest of Your Commercial Insurance If you’re a contractor or business owner bidding on public or large private projects, you already know that obtaining a bid bond or performance bond isn’t as simple as requesting another insurance policy. You’ve probably experienced it before. You call […]
Michigan No-Fault Doesn’t Mean You Can’t Be Sued
Why “Michigan No-Fault” Is One of the Most Misleading Terms in Auto Insurance If you ask most people what “Michigan No-Fault Insurance” means, you’ll often hear the same answer: “It means no one can sue after a car accident.” Unfortunately, that’s simply not true. The phrase “no-fault” has created one of the biggest misconceptions in […]
Why Certificate Holder Information Matters on COIs
Why We Can’t Issue a Certificate of Insurance with a Blank Certificate Holder One of the most common requests insurance agencies receive is: “Can you just send me a blank certificate of insurance? I’ll fill in the certificate holder later.” While it may seem like a harmless request, the answer is almost always no. Insurance […]
Why Long-Term Care Insurance Matters More Than Ever
Why Long-Term Care Insurance Matters More Than Ever Most people spend decades saving for retirement, yet many overlook one of the biggest financial risks they’ll ever face: the need for long-term care. While no one likes to think about needing assistance later in life, planning ahead can help protect your savings, preserve your independence, and […]