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What Is Professional Liability Insurance and Do I Need It?

Running a business is not for the faint of heart. There are mountains of risk involved, which is why entrepreneurs always tend to be the brave and the bold of society. Successful business owners experiment with new ideas, knowing full well that failure is a possible outcome, and it could cost them a lot financially, yet they march on into the unknown. While taking chances is simply a part of life for business owners, there are certain kinds of risk that should be avoided if possible, which is where professional liability insurance comes in handy. If you are new to owning ...

What Is Personal Umbrella Insurance and Do I Need It?

There are lots of different insurance policies out on the market, and each one provides a unique type of protection to help offset some sort of risk. You more than likely have auto and homeowners insurance, which are common types of coverage, but you might be new to personal umbrella insurance, without a clue in the world as to what it is. You can rest assured it has nothing to do with protecting you from the next torrential downpour you experience while out for a stroll in a rain storm. Basically, personal umbrella insurance is designed to go above the current ...

Preparing for a Life Insurance Medical Exam

When you apply for a life insurance policy you may have to participate in a brief medical exam performed by your doctor or a medical professional chosen by the insurance company to document the current state of your health. One of the many reasons for the exam is to make sure there are no hidden problems with your health that you were unaware of or forgot to mention on the application. These kind of conditions or issues could affect your eligibility for certain life insurance plans or directly impact the cost of your coverage. There are a few things you can ...

Obamacare Facts for Small Business Owners

Ever since the controversial Affordable Care Act, also know as “Obamacare,” was passed by Congress in 2010, it has caused massive confusion for small business owners across the country. Politicians on both sides of the matter have made things a bit more complicated, giving answers that do not really clear up the concerns that many business owners have. If you own your own company, you might be wondering how this legislation is going to impact you and your staff.  Here are a few answers to some common questions that business owners have about Obamacare that will hopefully clear up some of ...

Is the Affordable Care Act unaffordable? An Agents View

With so much information about the Affordable Care Act (ACA) flooding airwaves, news print, and online media, it is hard to sift through all of the rhetoric and find the facts. What's worse is that the majority of individuals weighing in on the topic are politicians, reporters, and pundits. The best way to find out the truth about the ACA is to either read it, or talk to insurance professionals who are experts in the field and who understand the inner workings of the legislation. In order to better equip consumers such as yourself with the information needed to make informed ...

Applying for Individual Health Insurance due to Qualifying Events

The open enrollment period to purchase health insurance for compliance with the Affordable Care Act ended in March, but quite a few people missed the deadline. If you missed the open enrollment period you basically have two options: Pay the pentalty for not being insured Apply for private coverage under a qualifying life event If you are still interested in applying for insurance, you can only do so at this point through a qualifying life event. There are certain life changing events that can make you eligible for a special enrollment period. When these events occur, if you do not already have coverage ...

How tax credit could attract more employers to SHOP

One of the biggest groups of consumers concerned about the rollout of Obamacare is small business owners and rightfully so. Most of the legislation in the Affordable Care Act is aimed at small businesses, so it is critical that they understand what the bill means for them and their employees. A lot of small companies are concerned about the increased cost of providing health insurance for their employees, as it will take more away from their bottom line. The ACA has a tax credit set up that is designed to inspire businesses with 25 full-time employees to purchase health care coverage ...

Health Care Tax Tips

With the roll-out of the Affordable Care Act (ACA), many individuals are wondering how the new law will impact their taxes for 2015. A bill as large as the ACA tends to raise a lot of questions, and there has been a lot of information released in the media that has generated confusion for consumers who are left wondering what their next steps should be. While the ACA is probably a bit to lengthy to read, there are certain tips and pieces of information that you should be made aware of so that you can act in accordance with the law ...

How to Buy Small Business Health Insurance

One of the key components of running a successlful small business is workforce retention. As an employer, when you find good people who are willing to work hard and help you achieve your goals of success, you want to give them an incentive to continue working for your company. Offering health insurance benefits is a great extra that you can provide for your employees to encourage them to stick with you for the long haul. Unfortunately, buying health insurance for your small business can feel a bit overwhelming, especially with the high volume of ...

Health Insurance Trauma

One fine afternoon, I was working at my office and I received a call from this guy about the huge medical bill he had received. Apparently, he had heard me talk about insurance on the radio and he wanted my help with his bill. He explained that he had just come from India 6 weeks ago on H-1 visa, his employer had enrolled him on the medical insurance plan but he still got a huge bill. What has happened is it was a Sunday and he was suffering from Fever. Due to lack of knowledge about health care system in USA, ...