Participants don't review any annual enrollment materials. Employees are making or not making decisions based on little or no knowledge.
TIP: Employers can implement a strategic communications campaign to educate and engage employees in the format appropriate for that employee... Read More
Starting in 2017, OSHA created a new rule to the record keeping standard that requires organizations to submit their OSHA logs online to a webpage that OSHA has provided. The reasoning behind this change is OSHA believes that making injury information publicly available will motivate employers to... Read More
The auto industry is experiencing significant loss costs. Industry combined ratios have been over 102 percent each year since 2011, and frequency and severity are up across all personal coverage types, except comprehensive. While the entire industry will no doubt be forced to respond, we wanted you... Read More
A new report conducted by Dauphin County-based United Concordia Dental reveals heading to the dentist regularly can lower your health care costs.
"Our newest study revealed a substantial correlation between preventative dental care compliance and medical claims costs," said Dr. James Bramson,... Read More
More than 1.3 million fires were reported by fire departments in 2016, resulting in an estimated 3,390 civilian deaths and causing $10.6 billion in property damage.
Here are some tips that can help you become more safe and aware.
Know your emergency exits and escape plan. If... Read More
Recently, we’ve all seen pictures and videos of the terrible flooding in Texas, Florida and the Caribbean due to hurricanes Harvey and Irma.
Neither hurricane affected the Harrisburg area, but many of us were probably reminded of times when tropical storms led to severe flooding in... Read More
Self-Insured healthcare plans are increasing in popularity because self-insured employers can pay for claims out-of-pocket as they are presented, instead of paying a predetermined premium to an insurance carrier for a Fully Insured plan. Businesses are able to better negotiate administrative... Read More
A question parents don't ask, but should, is "Will our kids be covered under our Homeowner's and Personal Auto policies while they are away at college?" The answer might be "yes", "no" or "maybe".
Many insurers have their own company-specific forms and their policy provisions may... Read More
1 in 3 households would have immediate trouble paying living expenses if the primary wage-earner died, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA. And the study also found that 40% haven’t bought life insurance or more of it because they’re unsure of how much or... Read More
In order to enjoy good profits, be adequately covered for liability exposures, and for “peace of mind”, farmers need to assess and minimize their risk.
First Determine if You are in Fact a “Farm”
This may seem like a silly question, but with the growing number of hobby and... Read More