How To Handle a Claim

We hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Continue reading “How To Handle a Claim”

10 Cyber Security Tips for Small Business

Target and its customers are continuing to feel the repercussions of a massive data breach, where hackers gained access to data from some 40 million debit and credit cards of Target shoppers during the holiday season. The lesson for other businesses is clear: If the country’s third-largest retailer, with its resources and sophisticated systems, can have a data breach, any business can. Continue reading “10 Cyber Security Tips for Small Business”

Sinkholes and Ground Subsidence: Are You Covered?

Around 20 percent of the U.S. lies in areas susceptible to sinkhole events. Is your home in one of them?

Sinkholes can be serious business. Earlier this year, a sinkhole swallowed eight valuable Corvettes at a Kentucky museum. And in 2013, Jeffrey Bush died in Florida when a 60-foot-deep sinkhole suddenly opened under his home, destroying his bedroom while he was sleeping. Continue reading “Sinkholes and Ground Subsidence: Are You Covered?”

Thwarting Medical Identity Theft

Like financial identity theft, medical identity theft can leave you responsible for bills you did not incur. But unlike other types of identity theft, it can also affect your medical records, jeopardizing your health. It could even jeopardize your health insurance coverage.

Medical identity theft occurs when another person uses your identity or insurance information to Continue reading “Thwarting Medical Identity Theft”

Marijuana and Workers’ Compensation


Twenty-three states and the District of Columbia now allow the medical use of marijuana. Colorado, Washington, Oregon and Alaska have also legalized its recreational use and possession. Will this send employers’ zero-tolerance policies up in smoke? Continue reading “Marijuana and Workers’ Compensation”

Insuring Your Home Based Business

About 46 percent of self-employed workers conduct their business from home, according to the U.S. Bureau of Labor Statistics. If you have a home-based business, you have special insurance needs.


The broader availability of wide-band or wireless Internet access and faster, cheaper computers have made working at home an increasingly viable possibility for millions of entrepreneurs. Continue reading “Insuring Your Home Based Business”

What To Expect When You Apply for Life Insurance

Getting life insurance through a group plan is easy. Just being a member of the group qualifies you for at least a minimum limit policy. If you want higher amounts of coverage, though, you will probably need an individual policy. Here’s what to expect when you apply for life insurance on the individual market. Continue reading “What To Expect When You Apply for Life Insurance”