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Group VS Independent…Which is right for you?

Group Coverage is health insurance provided to employees by an employer or by an association to its members. Individual Coverage is health insurance you buy on your own, not related to your employer or an association. What is the difference? If you have had or currently have group coverage, then you know how that works. Your employer typically gives you a choice of a few different health insurance plans, pays for some or all of your monthly premium, and automatically deducts your premium from your paycheck. [...]

2021-07-27T14:57:10+00:00April 4th, 2021|
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Pet Safety: Winter Edition

Winter is here and in the northeast that can mean cold winds, snow, and ice. This weather can pose some serious threats to your pet’s health. Here are some safety tips to keep in mind to help keep your furry friends safe throughout the winter season. Know Their Limits. Just like people, pets have a limit to how much cold they can handle based on their health, age, activity level, and breed. Be aware of their tolerance and adjust your routine or activities as needed. Provide Choices. Your pet may prefer different sleeping [...]

2021-07-27T14:58:23+00:00January 17th, 2021|
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Wellness Program: Why Is It Important?

Many businesses, small and large, offer wellness programs to their employees. Yet, there are still concerns about whether wellness programs actually help or are just costing the business money. Despite the concerns regarding privacy and effectiveness, studies show that promoting healthy habits benefits both the employer and employee. Here are 5 reasons why having a wellness program in the workplace is important. Health, active employees incur lower health costs. Lower health costs benefit both the employer and the employee. If health costs are lower, employers may pass a small percentage of the bill [...]

2021-07-27T15:15:15+00:00January 10th, 2021|
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New Year, Same Policy?

Last year showed us that we never know what the future can hold, and we should be prepared for anything. As we ring in 2021, consider the things you care about most. What would happen to them if something unexpected were to occur? Would they be fully protected? This is a great time to review your insurance policies and see that everything is up to date and that you have all the coverages you need. Let's run through a quick insurance checklist to see if the basics are covered: Life Insurance Any changes [...]

2021-07-27T15:29:06+00:00January 3rd, 2021|
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Pet Insurance 101

Imagine that you are out for a walk with your beloved dog Fido. Fido is having a good time, sniffing every tree and stopping at every house when suddenly, he sees something across the street and makes a run for it.  Fido didn’t see the car coming and unfortunately, they did not see him either and now they have hit him. Thankfully Fido is okay, but he did break his leg in the accident. According to a 2019 survey conducted by the American Pet Products Association, 67% of [...]

2021-07-27T15:31:13+00:00December 13th, 2020|
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How Ordinance or Law Changes Effect Your Insurance!

Building codes constantly change and are regularly updated. Your home may have been in total compliance with the building codes just a few years ago, but now, it may no longer meet your community's current building codes. In fact, it is reasonable to assume that houses built more than 10 years ago likely do not comply with today's ordinances or laws. This is a problem because any lack of compliance, although unintentional and even unknown, could result in a major out-of-pocket expense following a major loss to your home. Your homeowners' policy provides [...]

2021-07-27T15:40:46+00:00December 6th, 2020|
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Fall Home Preparedness

Fall is in the air and that means it is time for pumpkin carving, apple picking, and holiday preparations. However, it is also time to start thinking about how to prep your home for the cooler temperatures and winter weather. Adding a few home maintenance steps to your fall checklist can help you have a better fall and winter season. Keep Your Pipes from Freezing Seal any holes or cracks around your home where cold air may leak in and repair any deteriorated caulking near doors and windows [...]

2021-07-27T15:42:33+00:00September 27th, 2020|
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Disaster Readiness Kit

2020 has taught us that you never know what the future may hold. From wildfires to flooding, disaster can strike when you least expect it and you can never be too prepared. Creating a Disaster Readiness Kit can help you to be ready whether you need to leave your home quickly or hunker down for a few days. Having a prepped kit can ensure that you have what you really need in a moment’s notice and can give you peace of mind. When you are creating your Disaster Readiness Kit, consider the [...]

2020-09-08T13:55:28+00:00September 13th, 2020|
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Controlling Road Rage

It has happened to the best of us. You are on your way to the beach house for the week with your closest family and friends and you are cruising along listening to music and having a good time. When BAM you hit traffic that appears to be 10 miles long. It starts to become hot, your daughter has to pee, your son is complaining he is hungry, and all of a sudden someone cuts you off. ROAD RAGE HITS! Now what? You could put your car into park and get [...]

2021-07-27T15:48:27+00:00August 23rd, 2020|
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How To File An Insurance Claim in 3 Steps

When accidents happen, one of our first concerns is often how much it could cost you. Depending on the severity of the incident and the amount of damage it led to, this can rack up rather quickly. But this is why you have insurance. Insurance is designed to protect you from financial hardship after an accident and the first step in any situation is to file an insurance claim. Insurance claim? An insurance claim is a formal request to your insurance company to receive money to help cover repairs, medical bills, and [...]

2021-07-27T15:49:52+00:00August 9th, 2020|
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