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Dispute Unjustifiably Low Claim Payouts

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Covid-19

There are reports across the country of business insurance carriers offering unfair claim payouts or even denying claims during the fall out from Covid-19. Do you feel like your insurance carrier is offering an unfair claim payout? This is, unfortunately, being reported nationwide. Some court systems are not currently accepting new filings and all are […]

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2 Quick Survival Tips For Your Business

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The shock is over, reality has set in, the business has stopped or slowed down, now what? Assess what has now occurred, will sales be down? Will payroll be down? Make adjustments with ongoing expenses. For example, many insurance policies are based on either payroll or revenue and are often not thought of or reviewed […]

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The Unlovable Orphan

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We’ve made a living out of being curious, challenging the status quo, and fixing things that don’t work. We thought we would share a little knowledge about the way one small part of a system works. Our firm has a client, that has an employee, they are on an orphan drug (an orphan drug is […]

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Secrets Your Agent Wants You to Know About

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Your agent doesn’t work for you.  Your agent says they give you the best rates.  They’re very responsive when you have a claim or a question.  Isn’t that working for you?   Is it?  How does it really work?  When the agent gets paid a percentage of what you pay – how can they really be […]

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Do I Need to Know About Co-Insurance?

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If you own a business and have property insurance as part of your coverage, you need to know about this clause in your policy.  Sophisticated or not errors are still made. Twenty five years in this evil and dull field and I still find intelligent businesses with incompetent help. The help is masked as professional, […]

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3 Things to Lower Overhead For Manufacturers

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Manufactures have it tough trying to compete for market share with diminishing margins. We have found great pockets of gold in some places that many never look or do not know how to access. Here are three key areas where money can be found for manufacturers of all sizes. Group Health InsuranceIf this coverage is […]

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Unsustainable, Transparency is Key & Most Aren’t Getting It

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In 2015, the average annual premiums for employer-sponsored health insurance are $6,251 for single coverage and $17,545 for family coverage (Exhibit A). Each rose 4% over the 2014 average premiums. During the same period, workers’ wages increased 1.9% and inflation declined by 0.2%.2 Premiums for family coverage increased 27% during the last five years, the same […]

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Health Insurance Making You Ill?

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I’ve taken the temperature of many businesses in the past year and have found that many are suffering from a very high fever.  The high cost of health insurance, is making them ill.  Ironically, it seems to be the CEO and CFO that are the most effected and of course the employees that end up […]