Business Insurance

Making the decision to pay for employees' health insurance can help to improve morale and also help to recruit higher caliber employees. In order to pay for your employees' health insurance, you...

Organizations looking for ways to decrease expenditures must look at health care benefits. An optimal approach is to decrease the costs of benefits without alienating employees. Options such as...

Many companies opt to offer insurance to their employees as a benefit. For most, health insurance is the second-largest expenditure in their budget, especially for a small company. Because of...

Safety glasses are important in the workplace as they protect against debris, chemical splashes and other materials that can get into employees' eyes and seriously injure or blind them. This is...

CO2 alarms are like smoke detectors, only instead of detecting smoke, a CO2 alarm detects carbon monoxide, which is a poisonous gas that has no color and no odor. CO2 gas, which first enters the...

Hair salons, like any other business, need commercial insurance coverage to protect them from loss. There are many insurance companies that offer coverages particular to the hair salon industry.

When it's time to select new health insurance for your business, consider getting help from your employees. A health insurance committee offers a number of benefits to both your company and its...

In the United States, employers--such as Fortune 500 companies, small businesses and government organizations--may offer employee benefits to attract, retain and reward talented individuals. In...

An established wellness program is a win-win situation for both employers and employees. Not only does having one contribute to lower health insurance costs, but it also can create a more...

Business is about making more than you spend, and health insurance for employees is a big expense. Reducing your company's health-insurance premiums requires plenty of shopping around, progressive...

Workers Compensation Insurance provides benefits for independent contractors and employees of companies within the United States. Coverage includes wage reimbursement (full or partial), medical...

There are many misconceptions regarding what qualifies as a "group" with regard to health insurance. Companies that would technically be able to apply for group benefits fail to do so simply...

Employees are required to inform employers about all workplace accidents. The information may be used to determine the eligibility of worker benefits and to improve safety procedures. The Social...

Companies can use self-insuring as an alternative "risk management" strategy by setting aside a calculated amount of money each month to cover potential future costs instead of purchasing...

Small business insurance coverage can vary widely based on the nature of the services being provided. Factors such as the number of employees, the scope of duties and customer protection will...

After your business suffers a loss that disrupted your operations you need to quickly take action. A few simple steps can get you back in business as quickly as possible.

Workers compensation is designed to compensate employees for injuries received while on the job regardless of fault. Before workers compensation laws where established, workers were at an...

Employers liability insurance is an additional coverage employers can purchase to protect their assets against employees' claims of injury or harm as a result of their employment. Employers'...

Providing access to health insurance is a key benefit that most employers try to offer. It is one of the most important and sought-after benefits to potential employees. If you have a small...

Employees are typically given a menu of options for health insurance. The level of coverage is driven by the premiums and the employee's healthcare needs. Many employee health plans are...

Health Reimbursement Arrangements (HRAs) are typically provided as part of health care benefit programs for employees; they are designed to cover the costs of certain types of medical expenses...

Whether you like it or not, as an employer, you must pay Worker's Comp premiums in order to protect your workers in case they get hurt on the job. While you can't get out of paying, you can take...

If you work in the construction, industrial, maritime or fishing industries, or anywhere heavy machinery and lifts are used, than you know the importance of safety training. Lives may and do...

A comprehensive disability management program saves money for employers and provides better access to health care for employees. It also helps employees return to work quickly and develops...

Companies across the U.S. face increasing threats of kidnap and ransom of important company members. As a consequence, wise company owners invest in insurance to cover any possible eventuality...

When government plans aren't enough to cover your lost income, you would be wise to buy short term disability insurance for your business. No one envisions losing income or having a severe...

Health-care costs keep rising ... and rising. They have become a major profit killer for many small businesses. Short of dropping coverage altogether, you cannot eliminate these major expenses....

Like most states, Illinois is struggling with what many call a "health-care crisis," meaning that its requirements for providing employee health coverage shift from year to year as reforms take...

Massachusetts recently instituted some of the strictest health care reforms in the country, requiring all residents to have health insurance. When providing employee health coverage, you must meet...

In small businesses, an employee health insurance administrator may be useful, but one is absolutely necessary in larger companies. With complex laws that differ in each state, you should hire...

A preferred provider organization (PPO) combines traditional fee-for-service coverage and an HMO, which is a type of prepaid insurance. A PPO typically lets your employee choose his own doctor and...

An employee point-of-service (POS) health insurance plan combines a PPO and an HMO, offering more choices with minimal out-of-pocket expense. When you put together a POS plan for your company, you...

When you put together an employee HMO plan for your company's health insurance, you should find the carrier that offers the best coverage at a premium you and your employee can afford. Each HMO...

As the state slowly heads towards universal health care coverage, New York based businesses must meet new requirements for providing employee health insurance. By following the guidelines as they...

If you run a business in California and offer health coverage to your employees, you must meet all the California coverage requirements. As health-care reform continues, this will become even more...

One of the toughest decisions a small business owner has to make is selecting a group health insurance policy that meets its employees’ healthcare needs without breaking the bank. The...

Most small business owners struggle to afford health insurance for themselves and their employees because they don't have the staff that insurance companies require to ensure eligibility for the...

When your company decides to offer group health insurance to employees, you must collect many pieces of information in order to provide an insurance agent with that information to quote rates. By...

Before choosing an insurance provider for your employee group health benefits, it is necessary to evaluate the criteria that will affect the cost of the premiums. Since employers typically pay at...

The need for adequate insurance coverage is a major consideration for both employers and employees. Employers recognize the need to provide a life insurance option that is affordable, and...

Worker's compensation insurance, sometimes referred to as "workman's comp," is an insurance policy designed to protect an employee in the event of an on-the-job injury. Almost every state requires...

Just as a new job might mean more responsibility, so does driving a company car. Determining the driver's liability on a company car is largely an issue of each individual incident. Use the tips...

A natural disaster can strike at any time. Usually natural disasters are predictable, like hurricane season in Florida, tornado season in the Midwest, and to some extent, earthquakes in...

Employees of large corporations, non-profit organizations and small businesses now expect to get group health insurance benefits through their job. You can offer coverage for individual employees,...

When you decide to provide your employees with health insurance, you must shop around for the best coverage options. You can easily get a quote online or by contacting an insurance broker...

One of the most important benefits that an employer can provide is group health insurance. In Hawaii and Massachusetts, health insurance is mandatory by law. The regulations differ in the other 48...

The United States workers' compensation system is regulated at the state level. This means that each state has its own workers' compensation law. These laws are designed to assist employees who...

Most employers are required to maintain workers' compensation insurance to cover any employee injuries and illnesses suffered on the job. Your company’s specific insurance needs will be based on a...

It's a large responsibility to be in charge of finding a group health insurance plan for your company. You want to subscribe to a plan that works for the employees as well as the business, so take...