Should your small business offer employee health benefits? While these benefits help the employees directly, they also directly affect the employer’s bottom line. How? Here are five of the many ways your profitability can be improved by medical benefits.
1. You Retain Good Employees
It’s less expensive to retain a quality employee than to have to go find a new one. Some studies estimate that it may cost $4,129 and take 42 days to hire a new employee.…
Medicare, a federal insurance cover, is available for those aged 65 years and over. Although Medicare is not mandatory, it comes with penalties for late enrollment. This means that you should have enrolled before or when you reach 65 years of age. The coverage is important because as people age, they need more medical care.
Over 67% of those aged 65 and above will require long-term care at some point, making Medicare insurance and Medicare supplement insurance quite essential.…
No matter where you are, there are likely new build communities popping up everywhere. If you happen to be one of the lucky owners of these new and beautiful homes, ensuring your property is absolutely something at the forefront of your mind. While at the core, homeowners’ insurance is fairly consistent no matter the age of the home, some special considerations come along with a new build.
Start Before Closing Day…
Full-coverage auto insurance offers the most protection you can have for your vehicles, but do you need to keep it on all your cars forever? Some people do, but others decide to drop some of their coverages at some point. When is the right time to drop these coverages? Here is an explanation of what full-coverage insurance is and signs that you might want to reduce your policy to a liability-only plan.…
Are you in the market for a new auto insurance policy? Here are a few things to look for when choosing a company to buy the policy from:
Multiple Discount Options
One important thing to look for when choosing a new auto insurance company to buy a policy from is multiple discount options. Even if you do not qualify for all the options now, your circumstances may change in the future, which may allow you to take advantage of the discounts that could save you a significant amount of money as time goes on.…
Buying insurance for your commercial truck is similar in many ways to buying insurance for any vehicle, but there are some additional things you need to consider. Working with a commercial truck insurance broker is one way to make sure you cover all your bases and get the coverage you need for your truck.
Basic Insurance Coverage
Commercial truck insurance needs to cover the truck you drive every day in case it is involved in an accident.…
Owning a restaurant is risky because it involves serving food, which means that there are possible health hazards involved. When working in an industry that has such risks, there is always the potential of getting sued by a customer, even if a claim is falsely made. There are also various other incidents that can take place in a restaurant that can possibly lead to the owner getting sued. Lawsuits can be costly and time-consuming, which is why is it is important to be financially prepared in advance in case such a situation happens to occur.…
When it comes to car insurance, if you are driving a brand-new car, you will want to make sure you have all the necessary coverage. A new car is a significant investment, and you want to ensure your investment is protected with proper insurance.
Coverage Type #1: Collision Coverage
With a new vehicle, you are going to want to invest in collision coverage. Collision coverage is designed to cover damage your vehicle suffers from getting into a collision with virtually anything, from another car to a building to a mailbox.…
Looking to save money on your car insurance and interested in taking advantage of a safe driving program? By placing a device in your car that tracks your driving, you can save money on those premiums. Here are some things to know about using a safe driving vehicle monitoring program.
Will Insurance Rates Go Up?
Many people are worried that their attempt to save money by monitoring their driving will actually have the opposite effect on their bill.…
Are you currently renting and think that you do not need to bother with getting insurance for your personal residence? While your landlord may be responsible for home insurance to cover the dwelling, that policy will not cover the belongings of their renters. That’s where renters insurance can be incredibly helpful to help give you the protection you need. Here are some reasons why you should have renters insurance.
Coverage For All Major Disasters…
