Information for business owners.

Winter Safety Tips For The Office

Winter has arrived and with it comes lower temperatures, snow, and ice! Whether it’s a full-blown blizzard or just a cold snap, the onset of winter means that it’s time for businesses to think about their winter safety plan. A winter safety plan typically includes proactive steps to reduce injuries related to winter weather, minimizing cold exposure, and communication plans. Consider the following safety tips when developing or reviewing a winter safety plan: Minimize Slippery Areas De-ice parking lots, sidewalks, entryways, and outdoor break areas Reroute people using caution signs, rope, cones, or [...]

2022-12-18T12:09:44+00:00December 18th, 2022|

It’s Not Too Late To Review Your Group Coverage…

Another year has flown by!  With many group health plans renewing on January 1st, we’re running out of time to review your coverage options.  If it’s been a while since you’ve looked at your policies, there is still time to contact Gannon Associates Insurance for a review.  If you don’t currently offer health insurance to your employees but have been considering it, we may still have time to put a plan in place by January 1st.  If we can’t get things in place on 1/1/22 we can still get your new plan ready [...]

2022-12-05T12:01:18+00:00December 5th, 2022|

Managing Healthcare Costs

One of the major concerns business owners usually have when it comes to offering health care benefits is cost. Healthcare costs almost always go up each year, making it difficult to start or continue offering benefits. Thankfully, there are some steps you can take to help manage costs. Work With an Experienced Representative. You’re not a health insurance specialist, so you should make sure you work with one.  It’s important to find an agent or broker you can trust who has years of experience and access to multiple programs.  A good agent will [...]

2022-11-20T12:02:18+00:00November 20th, 2022|

Buy-Sell Agreements

Have you ever heard stories about family businesses ending up in the wrong hands due to a death in the family or an owner choosing to leave the industry? We have. Nothing is worse than being forced to do business with a stranger and having no way out other than an expensive buyout. So how do you avoid that? How do you prepare for changes in the ownership of your business? With a buy-sell agreement that is funded by life insurance. A buy-sell agreement is a legally binding contract between multiple owners of [...]

2022-09-01T12:03:32+00:00September 1st, 2022|

Life Insurance and Retirement

Retirement. A time that many look forward to and often seems entirely too far away. We spend a lot of time thinking about and saving for the time in our lives when we finally get to retire but have you ever considered what will happen in terms of your life insurance? The answer to that depends on your life insurance policy. If you have employer-provided life insurance, you have some decisions to make. When you retire and leave your company, that policy ends and so does its coverage. The good news is you [...]

2022-09-01T12:00:45+00:00September 1st, 2022|

New Job? Let’s Talk Life Insurance!

Congratulations! Nothing is more exciting than starting a new job. Your first few days will likely be a whirlwind of getting to know your new coworkers, learning your new surroundings, and getting adjusted to your new role. At some point, it is likely that HR or your manager will provide you with your benefits and ask you to make decisions when it comes to healthcare, 401Ks, and more. It can feel overwhelming at times, let us help make it a little easier when it comes to life insurance. Employer-Provided Life Insurance. Your employer [...]

2022-09-01T12:00:45+00:00September 1st, 2022|

Why Your Businesses Needs Cyber Insurance

There has been a 175% increase in cyber-attacks since, 2017.  Experts now predict it’s not IF you get hacked, it’s WHEN you get hacked. You can prepare your systems and operations, but it all takes is one minor mistake and your business could be shut down for days, weeks, or even months. This type of business loss is typically excluded from the normal business insurance that you carry. Cyber Insurance is a separate form of coverage due to the complexities surrounding this type of loss. Cyber insurance is insurance that covers the [...]

2022-08-08T15:08:17+00:00August 8th, 2022|

Insurance Cuss Words?

When we were little, we learned quickly which words were not okay to say. Use one of those “four-letter” words and mom would throw you a disapproving look so quickly! Similarly, to the cuss words we learned when we were little, there are phrases in the insurance industry that when used will cause some disapproving looks… we will call these insurance cuss words. Insurance cuss words are those that misrepresent what the coverage actually protects. Examples of these include: Blanket Additional Insured All Risk Full Coverage Blanket Additional Insured. Typically, we hear this [...]

2022-06-01T14:32:15+00:00June 19th, 2022|

Errors and Omissions Insurance: Do You Need It?

Mistakes happen to everyone, even professionals. Whether you are a real estate agent and you forgot to include important details about a home to a buyer or a tax preparer who made a bad calculation… it can happen. However, if a mistake you or your business made causes a client to experience financial loss you could have a lawsuit on your hands. So how do you protect your business? Errors and Omissions Insurance. Errors and omissions insurance, also commonly referred to as E&O, is professional liability insurance that helps protect you from lawsuits [...]

2022-06-01T18:47:39+00:00June 19th, 2022|

Don’t Let Your Employees Drive Distracted

From restaurants with delivery drivers to corporate entities that give their staff vehicles to use when meeting clients, vehicles are driven by employees are an important piece to many businesses. However, relying on vehicles driven by staff exposes you to a huge threat… Distracted Driving. Actions like using a cell phone, fiddling with your GPS, or eating while driving can lead to a serious accident. Distracted driving is dangerous in ideal conditions but add in bad weather or traffic and it could be disastrous. It is important to have practices and policies in [...]

2022-06-01T18:29:33+00:00June 5th, 2022|
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