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...

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...

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...

COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The purpose of the act was to require employers that have a group health insurance plan to offer temporary coverage to...

There are two general categories of health insurance: managed care and indemnity plans. Managed care plans currently consist of Health Maintenance Organizations (HMOs) or Preferred Provider...

Every business should have a continuity plan in place. Continuity plans give the company a map to follow in case of disaster. There are a multitude of risks that can permanently close a business...

A fiduciary is person or entity with the authority to act on behalf of others, and with the obligation to meet a high standard of conduct. (See References 3). The responsibilities of individuals...

As businesses struggle to cope with skyrocketing insurance costs, many are looking at ways to self-insure. While self-insuring may not be right for everyone, in some cases it can help a business...

As a small business owner there are many risks to keeping your business up and running. Although not all risks can be mitigated, some can be with insurance. Here are some types of business...

Applying for a catastrophic health insurance plan is easy. Make sure you find the right plan, fill out the application correctly, and follow up.

Could your business recover and be operational soon after a natural disaster? In the past few years, areas of the country have experienced hurricanes and other natural disasters. Some companies...

Leveraging technology to boost your business--and run your operations--is vital in today's technically savvy world. From incorporating an electronic accounting system to protecting your computer...

While most people think of HMOs when it comes to copay health insurance, PPO plans also fit into this category. Both require copays for each office visit or prescription. When you put together an...

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...

You may have worked with an employee benefits broker when setting up and reviewing your company's employee benefits program. This is the person that markets plans, usually from a number of...

Shopping for a group health plan for your business can be confusing. The ultimate goal is to get a plan that meets your and your employees’ needs at a cost that fits within your budget. One of the...

Insurance premiums are increasing dramatically as the cost of health care continues to rise. Group plans offered to employees of large companies are taking a toll on both employer and employees,...

Builder's risk insurance is a type of plan that covers loss or damage of building materials and the construction site itself while the construction or renovation is in process. It is important to...

Switching a health plan is all about cooperation and consideration for others. To be successful, you have to have a compassionate process and keep everyone informed. You can make a switch that...

Entering the traveling carnival business requires insurance, just like anything else these days. What type of coverage you'll need, and how much you pay, will vary depending on where you plan to...

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...

If your company provides group health insurance, you should know the plan well. Each insurance company has different coverages, and certain medical procedures may not be included by all providers....