With the jobless rate for people ages 20 to 24 still higher than 10 percent, many college students might be willing to trade their time for an unpaid learning experience. But there is a legal difference between an employee and an intern. Knowing the difference can help you avoid breaking the law. Continue reading “Intern-al Affairs”
A survey by one vendor found that 39 percent of employees want to buy identity theft insurance through their employer. Are you providing this valuable benefit?
Identity theft occurs when someone uses an individual’s personal identifying information Continue reading “Identity Theft Insurance = Reputation Protection”
The final cost of a medical insurance plan depends on more than just the premiums, even when you compare plans with similar benefits. Understanding the following definitions can help your employees understand the components that affect their medical coverage costs. Continue reading “Health Insurance by the Numbers”
Most life insurance companies sell both life insurance policies and annuities. Both require you to be in good health to get the best rates. And both provide financial security. But they play very different roles in your financial portfolio. Continue reading “Annuities vs. Life Insurance”
You buy homeowners insurance to protect your home from damage or loss due to fire, theft, vandalism and more. But without certain important coverages, your policy could leave you short of the funds needed to rebuild and recover. Continue reading “The Property Risks You Might Have Overlooked”
In the past ten years, employers have faced skyrocketing costs for their employee health plans. If you have employer-sponsored health coverage, your share of costs has probably risen as a result. Continue reading “How You Can Fill the Benefits Gap”
Home rental clearinghouses such as Airbnb and VRBO make it easy for homeowners to rent out a spare bedroom or a second home when they aren’t using it. This might sound like a good way to earn extra money. Before diving in, consider the risks and your insurance coverage. Continue reading “Renting Out That Extra Room: Know Your Risks”
Should you worry about the content of your teen’s tweets or your spouse’s Pinterest posts? All it takes is for one tweet to veer away from commentary to defamation, or one image to invade another’s privacy, and you could face a lawsuit.
The Insurance Information Institute (III) reported that dog bite claims cost an average of $24,461 in 2008 (the most recent figures available). If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? Continue reading “Protecting Your Family from Dog Bite Liability”
Electronic cigarettes, or e-cigarettes, are growing in popularity. How will they affect your health…and your insurance coverages?
Tobacco vs. E-Cigarettes
Cigarette smoke contains more than 4,700 chemical compounds, Continue reading “E-Cigarettes and Your Health”