J Harvey Oliver JR Clu

The happiest retirees have learned this lesson

It's all the rage now. You're supposed to find, follow ...

Does Medicare Cover Ambulance Services?

Medicare Part B covers ambulance transportation to a health care facility when it’s medically necessary and transportation in any other vehicle would...

Social Security Myths and Misconceptions

5 Things You Should Never Buy With Your Credit Card

Put that plastic away! For these six expenses, you’re better off leaving your credit card in your wallet.

111 Insurance Execs Reveal Why Underwriters Resist Analytics

Predictive analytics can be one of an organization's strongest assets unless their underwriters resist the implementation.

Would You Like Some Insurance With Your Insurance?

Gap insurance plans, used to cover out-of-pocket health expenses like high deductibles, are becoming increasingly popular among consumers and businesses.

What Is Business Overhead Insurance?

Business owners can protect the operations of their company by purchasing a business overhead expense (BOE) insurance policy. This insurance plan reimburses the insured for overhead expenses in the ...

What is Cyber Liability Insurance?

Cyber liability insurance helps to protect your business from the fallout of a cyber attack.

Does Your Business Need Equipment Breakdown Insurance?

Do your business operations require the use of specialty equipment? Then here's why you should consider getting equipment breakdown insurance.

What is a Risk Retention Group & RRG Insurance?

There are many forms of captive insurance, and each has its own profiles and benefits. One of these is called Risk Retention Groups (RRG).

What is Micro Captive Insurance?

One of the terms business owners may discover when researching captive insurance options is that of a “micro captive”.

Is there a risk in Builder's Risk Insurance?

The construction insurance industry has developed the concept of a "Builder's Risk" policy, which covers all the work in process, regardless of who happens to own it at the time of the occurrence.

3 Benefits of Having Cancer Insurance

Even with ground-breaking medical treatments, being diagnosed with cancer is always a challenge, especially if you’re unable to work. To protect you from this risk...

What Is COBRA Insurance?

Providing healthcare to your employees beyond their employment with you is part of your legal duties. Learn about COBRA and how to stay compliant.

Benefits of Business Interruption Insurance

Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to medium-sized organizations. In fact, just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures.

Benefits of Cyber Liability Insurance

When cyber attacks like data breaches and hacks occur, they can result in devastating damage. Businesses have to deal with business disruptions, lost revenue and litigation. It is important to remember that no organization is immune to the impact of cyber crime. As a result, cyber liability insurance has become an essential component to any risk management program.Cyber liability insurance policies are tailored to meet your…

What Is Self-Insured Health Insurance?

Most very large employers self-insure their workers' health coverage, so the plans are governed by federal—instead of state—regulations.

What is Mechanical Breakdown Insurance?

What is mechanical breakdown insurance? Simply put, MBI is an insurance policy designed to cover trips to your local mechanic due to mechanical issues as opposed to an accident. For

Is too much insurance a problem?

The claim that more insurance is better is simply untrue.

Insurance When You’re a Freelancer

When you’re a 9 to 5er, it’s easy to take your company’s benefits for granted. And now that you’re a freelancer, one of the things you need to tend to is creating your own benefits package. Plus, as an army…