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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 […]