Starting on January 15, 2022, most people with a health plan can purchase an at-home COVID-19 diagnostic test authorized by the U.S. Food and Drug Administration (FDA) at no charge. Depending on your health plan, the test may be free…
Your Homeowners Insurance Declaration Page, also known as the “dec” page, summarizes the essential information pertaining to your insurance coverage. The declaration page includes your name, address, insured property descriptions, and premium. Also included are the coverages, limits, deductibles, discounts,…
Among the many areas of risk faced by businesses, cyber risk could be considered a frontier area. While the nature of the risk has yet to be fully understood, being targeted by a cyberattack is all but certain. While larger…
Cybercriminals create new advanced social engineering tactics and target small and medium-sized businesses. For example, the FBI estimates that cybercriminals stole more than $28 billion through email fraud from 2016-2020, with an average loss per incident of more than $150,000. Social engineering fraud —…
Today, we’ll discuss insurance-to-value replacement cost vs. market value. Every homeowner needs home insurance. But, this type of insurance can be confusing and ask you questions. By defining terms such as insurance-to-value replacement cost, reconstruction cost, and market value, homeowners…
When your homeowner’s insurance policy renews, there are a few factors to keep in mind about the replacement cost of your home. First, you may see an increase in your replacement cost from your carrier this year. So, we are…
Multifactor authentication, sometimes referred to as two-factor or MFA, is a security technology requiring users to confirm multiple factors verifying their identity before accessing a network or system. Generally, users must provide a password, verify access by inputting a code…
There is more to your home than just a roof over your head. It’s the place you raise a family and make memories. There are also threats and dangers in and around your home, placing you vulnerable if the unexpected…
A Change that Introduces Qualified Health Plan Letters As you know, changes to the Michigan No-Fault law became effective in early July 2020. These changes have brought additional requests from auto insurance carriers regarding Personal Injury Protection (PIP). As your…
Business owners may believe they only need basic commercial insurance coverage, but it’s wise to investigate obtaining coverage for a commercial crime insurance policy. But, can you afford to take the chance even with the most trusted of employees managing…