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Insurance Blog

Understanding What Your Home Insurance Policy Covers

Understanding your home insurance policy and what it covers is essential but easier said than done. Insurance contracts are written in a legal language unfamiliar to most of us. To understand your coverage, you may want to get help from a local insurance agent. You need to know what is covered – hopefully long before you need to file a claim. You likely have homeowners'...

How to Brighten Your Employee Benefits This Summer

Summer is on its way, and your employees are looking forward to sunny days, vacation time, and all that warm weather offers. In a competitive job market, your employee benefits are more important than ever – and so are those special perks. Happy employees are loyal employees. Offering fun summer rewards can help keep your team cheerful, productive, and engaged. Fun Summer Fridays Show your...

Family Floater Life Insurance Policy and How They Work

A "family floater" plan provides life insurance coverage to all family members. These policies are a smart choice for many families. Also called "family life insurance," your entire family has life insurance with a single policy, a far simpler and more efficient process. Life insurance policies are typically purchased to cover the parents. If one of the breadwinners for the family should suddenly pass away,...

How to Travel Safely with Travel Insurance

Planning a trip? We all look forward to trips to other states or countries or enjoying a cruise. You may not consider “What if something goes wrong?” but life can throw a curveball, and travel insurance can save the day when it does. What is Vacation Travel Insurance? Vacation travel insurance protects you when you visit another state or country. It is structured to help...

4 Types of FSAs & How They Work

An FSA, or “Flexible Spending Account,” can be an excellent benefit to offer your employees, and to your business bottom line, as the contributions are pre-tax. Several types of FSAs are available: Medical Expense FSA These accounts pay for eligible medical costs, prescription drugs, copayments, deductibles, medical devices, and other costs. Another option, a “limited medical FSA,” can cover the cost of preventative healthcare services,...