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

If you are switching your motor vehicle insurer, it is important to know that vehicle owners, not insurance companies, are responsible for making sure the state has the correct information on file. When a driver cancels a policy, the state is notified by the insurance company, however if the... Read More

Now that summer is in full force, it time to make sure that you and your employees are using your vacation days! According to a report from HR platform, low performers in the office actually take substantially less vacation time than high performers, 14 days compared with 19 days on average. Such... Read More

We recently celebrated "Bring Your Dog to Work Day" at Gunn-Mowery, LLC. As you can see from the collage of pictures, it was hard to tell who had bigger smiles on their face that day...our employees or their dogs! Many people consider their dogs part of the family, however some breeds are... Read More

All group health plans that provide prescription drug coverage to Medicare Part D eligible individuals (whether actively working, retired, or disabled) are required to notify CMS whether or not the coverage that is provided is creditable. This disclosure is required whether the coverage is... Read More

Some people have the idea that you must be working around a high voltage line to be at risk for electrocution. That's not true. Electrical hazards are a danger in just about any workplace.   Electric shock can cause a range of painful and disabling injuries. These include brain damage,... Read More

Thinking of making “Uber” money through ridesharing? Not being covered is not so cool!   Ridesharing is becoming more common around the state and the nation, particularly in large cities. Capitalizing on the new “sharing economy”, this simple concept is thriving. Drivers for... Read More