Posts by Christopher Giannetti
How to Ensure You’re Covered for Trick-or-Treat Night
As the leaves change color and the air turns crisp, it’s that time of year again—Halloween! For many families, this spooky holiday means dressing up in costumes, decorating homes, and, most importantly, trick-or-treating. While Halloween is all about fun and festivities, it’s crucial to remember that safety and preparation are just as important. One key…
Read MoreWinter is Coming: Review Your Policy Now to Avoid Cold-Weather Claims
As the days grow shorter and the air turns crisper, we all know what’s on the horizon: winter. While cozy nights by the fire, hot cocoa, and holiday festivities may be what you’re dreaming of, there’s another important task to add to your winter prep list—reviewing your insurance policy. Cold weather can bring about some…
Read MoreWhy Group Health Plans are Crucial for Small Businesses
As a small business owner, you wear many hats, from managing day-to-day operations to making strategic decisions for growth. One of the most impactful decisions you can make is offering group health plans to your employees. While it might seem like a significant expense, the benefits of providing health coverage far outweigh the costs, both…
Read MoreUnderstanding Flood Insurance: October’s Rainy Season Risks
Understanding Flood Insurance: October’s Rainy Season Risks October marks the start of the rainy season for many regions, and with it comes the heightened risk of flooding. While we often think of flooding as a springtime concern, the fall brings its own set of challenges—from heavy rains to rising rivers—that can put homes and businesses…
Read MoreHow to Prepare Your Home for Fall Weather: Insurance Tips for Homeowners
As the crisp autumn air rolls in and the leaves start to fall, it’s time to think about more than just pumpkins and cozy sweaters. Fall brings with it unique weather challenges that can have serious implications for your home. From heavy rain to early frost, the season poses risks that can lead to costly…
Read MoreLife Insurance Awareness Month
Life insurance may not be the most exciting topic, and it might feel like an unnecessary expense. However, if you have loved ones who rely on your financial support, life insurance is essential for their protection. In the event of your passing, your designated beneficiary would receive a financial benefit. To help you navigate the…
Read MoreOver 75% of Homes Damaged by Hurricane Debby May Lack Flood Insurance
More than three-quarters of the homes hardest hit by Hurricane Debby were located outside federal flood zones, meaning they weren’t required to carry flood insurance. Since standard homeowners insurance doesn’t cover flooding, uninsured damages from the storm could reach up to $12.6 billion, according to an analysis by the First Street Foundation. Hurricane Debby made…
Read MoreManaging Work-Life Balance During Return to School
Working parents are a critical part of the U.S. workforce. According to the job website Glassdoor, 2 in 5 workers have a child under the age of 18, and 1 in 9 have a child younger than 5 at home. For anyone with caregiving responsibilities, balancing them with work can be a real challenge with…
Read More5 Risks of Hiring an Uninsured Contractor
Project owners or general contractors must carefully vet contractors to ensure jobsite safety and financial security. A critical factor in this selection process is verifying that contractors carry adequate insurance. Hiring uninsured contractors can expose a project to significant risks, including safety hazards, liability issues and potential financial losses. The following are five risks associated…
Read MoreERISA Penalties: Employer Fined for Failing to Provide Mental Health Benefits Information
The U.S. District Court for the District of Montana recently awarded over $32,000 in penalties against an employer’s self-insured health plan and its third-party administrator (TPA) for failing to provide requested information to a plan participant. This case involved a dispute over mental health benefits and underscores the importance of promptly responding to participants’ information…
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