Healthinsurance.org

OCTOBER 16, 2024

For 2025, there are some changes to these subsidies: California : A state program that debuted in 2024 eliminated deductibles and other out-of-pocket costs for applicants with household incomes up to 250% of the federal poverty level (FPL). 4 For 2025, the program is expanding. 33 ( Here’s how to do that.) 33 ( Here’s how to do that.)

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Tosten Marketing

APRIL 7, 2025

Write about topics like “5 Hidden Gaps in Home Insurance Coverage” or “Auto Insurance Deductibles Explained.” Segment your email list based on policy types, renewal dates, or customer lifecycle stages. Send policy renewal reminders with coverage update suggestions. Quality content matters most.

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Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations. Strategy: Assess your financial ability to handle a higher deductible without jeopardizing your operations.

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Protect Commercial Insurance

JULY 26, 2024

In this article, we will provide you with four essential tips to help you understand your coverage needs, find the best rates, review and update your policy regularly, and work with an experienced insurance broker. Insurers often provide discounts for bundling multiple policies, which can help you save on premiums.

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LexisNexis

JANUARY 21, 2025

Key provisions set to expire include the higher standard deduction and child tax credit. The debate over the $10,000 SALT deduction cap is crucial, with potential revenue offsets from repealing SALT, mortgage interest deductions, and clean energy tax incentives. trillion by 2034. without other action. Section 6045.

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Distinguished

DECEMBER 2, 2024

Public art insurance is a specialized insurance policy designed to provide coverage to all artwork or valuable collectibles owned or loaned to a public institution.  For instance, a city could take out a public art insurance policy that would cover any artwork, historical artifacts, or even outdoor sculptures owned by that city.

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Healthinsurance.org

DECEMBER 3, 2024

This means the out-of-pocket costs counted against your deductible and out-of-pocket maximum will reset to $0, even if you have out-of-pocket expenses in January. Out-of-pocket expenses reset to $0 on January 1 for all marketplace plans, so your auto-renewed policy will start over with a new deductible at that point.

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Distinguished

SEPTEMBER 17, 2024

What are some of the key factors you consider when determining appropriate coverage limits and deductibles? If we are comfortable with our exposure, we may consider increasing the AOP deductible and the theft deductible , depending on the underwriting analysis. So specific to limits, I just mentioned security.

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Jackson & Jackson

APRIL 28, 2024

Ensure your policy covers replacement costs rather than actual cash value, as this accounts for the depreciation of your assets. Mistake 2: Overlooking Additional Necessary Coverages Standard property insurance policies do not cover everything. How to Avoid It: Shop around and compare policies based on price and coverage.

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Distinguished

JULY 22, 2024

Unfortunately, these unique risks are rarely appropriately covered by standard homeowner insurance policies. Avid collectors who rely on their homeowner’s policy are likely to encounter low coverage limits — if their collectibles are covered at all. For most, this will mean a collectibles policy.

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Bankers Insurance

SEPTEMBER 12, 2023

Subrogation is more than just a fancy insurance term – it’s a right held by your insurance carrier under your policy that allows them to seek reimbursement from the party found responsible for the accident after they’ve paid a claim for a covered cause of loss. HOW LONG DOES SUBROGATION TAKE?

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Jackson & Jackson

MAY 23, 2024

For example, businesses in California’s earthquake-prone areas may consider adding earthquake insurance to their policy to protect their property from potential damage. Once you have a clear understanding of your risks, you can seek out insurance policies that provide the necessary coverage while avoiding unnecessary expenses.

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Distinguished

DECEMBER 16, 2024

Unlike competitors retreating from the market due to aggregation risks, our Fine Art and Collectibles insurance program brings fresh capacity and a willingness to underwrite policies tailored to Californias unique challenges. Many carriers encourage clients to insure their collections with specific Fine Art and Collectibles policies.

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Jackson & Jackson

MAY 22, 2024

For instance, a policy might cover repairing or replacing a roof damaged by a storm or the value of stolen office equipment. It protects against perils like fire, explosions, storms, and other risks outlined in the policy. A comprehensive insurance policy that includes essential coverage, such as fire, theft, and liability, is crucial.

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American Agents Alliance

MARCH 19, 2025

Analyzing historical data like policy changes, the frequency and tone of interactions, and survey results can help agents flag at-risk policyholders and reach out proactively to work with them. A policyholder who has recently married, for example, may need help adding their spouse to their auto policy.

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Property Insurance Centre

SEPTEMBER 25, 2024

See what is not covered in terms of events/damage for your policy and think about getting flood insurance or accidental damage insurance if desired. Accidental damage is not usually covered by a normal building insurance policy. – Failure to read particular policy documents. – Picking a low excess. What is Covered?

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Word & Brown

SEPTEMBER 25, 2024

According to reporting last year by KFF (the independent source for health policy research, polling, and journalism formerly known as the Kaiser Family Foundation) data from insurers for Affordable Care Act Marketplace plans show nearly 17% of in-network claims were denied in 2021. They often include a timeline for appeal.

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Risk Management Monitor

AUGUST 30, 2021

When it comes to your insurance policies, it is critical to verify that your coverage includes appropriate, up-to-date limits and deductibles. Before doing so, reach out to your insurance broker who can help guide you through this process. Read the Fine Print.

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Distinguished

JANUARY 28, 2025

As a wholesale broker, understanding the intricacies of management liability insurance is essential to effectively guide your agents and clients through the process of securing the right coverage for their unique needs. Management liability insurance is a product that agents and wholesale brokers should be offering all of their clients.

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Distinguished

JANUARY 28, 2025

As a wholesale broker, understanding the intricacies of management liability insurance is essential to effectively guide your agents and clients through the process of securing the right coverage for their unique needs. Management liability insurance is a product that agents and wholesale brokers should be offering all of their clients.

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Smart Insurance Agents

DECEMBER 9, 2024

Cost: Evaluate the premiums, deductibles, copayments, and out-of-pocket maximums associated with each plan. Before purchasing a short-term health insurance plan, carefully review the policy documents, including the terms, conditions, limitations, and exclusions. Determine the affordability and value for the coverage provided.

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Smart Insurance Agents

AUGUST 29, 2024

Unlike individual plans, which cover individuals and their families, small business health insurance covers a group of employees under a single policy, typically offering more comprehensive and affordable options. HDHPs feature high deductibles but lower premiums, making them suitable for pairing with health savings accounts (HSAs).

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Word & Brown

SEPTEMBER 30, 2024

The Public Policy Institute of California says nine of 10 (92%) of establishments have fewer than 20 workers. 6: Explain Policy Features: Be sure your prospects and clients understand plan deductible(s), copayments, waiting periods, creditable coverage (from a prior/existing group plan), and coverage limits.

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LexisNexis

JANUARY 13, 2025

A partners distributive share is that fraction of a partnership's items of income, gain, loss, deduction, and credit that the partnership agreement allocates to that partner in a particular taxable year. IRS provides transitional relief from penalties for certain brokers who fail to report sales of digital assets, as defined in Reg.

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Healthinsurance.org

JANUARY 2, 2024

PPOs will cover out-of-network care, but the deductible and other out-of-pocket expenses are typically higher (often significantly so) for out-of-network care. Read the details of any policy you are considering carefully. So policyholders who use a provider outside of the PPO plan’s network typically pay more for the medical care.

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Jackson & Jackson

MARCH 18, 2024

However, just like any valuable possession, protecting them with the right insurance policy is crucial. In this guide, we will explore the importance of luxury handbag insurance, its coverage, how to choose the right policy, and the steps to insure your cherished bags. “What Does Handbag Insurance Cover?”

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Redbird Agents

APRIL 15, 2024

A typical E&O policy coverage limit is $1,000,000/$3,000,000 and will run you $300-$500 per year. The time this process takes will depend the number of carriers you intend to broker for your clients. This can be purchased though most property and casualty agencies as well as many insurance associations. What’s the solution?

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Insurance Agent Insurance Agents Agents License 130

Cover4LetProperty

OCTOBER 10, 2022

As with any security deposit, it needs to be returned – less any deductions that are agreed upon – to the tenant when the tenancy ends. What are let property insurance brokers? The broker’s job is to bring that – and other elements like it – to the attention of a potential policyholder to provide them with informed choices.

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Distinguished

NOVEMBER 7, 2024

The risk transfer is essentially from the insured to the insurer, with no expectation of reimbursement from the insured for claims paid out, except in cases of fraud or violation of policy terms. Insurance Products: In insurance, when a claim is filed, the insurer evaluates the claim based on the policy’s terms and conditions.

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LexisNexis

SEPTEMBER 10, 2024

Review employer educational assistance policies with employers to see if the benefit makes sense. The job-related education must satisfy the following conditions so that the expense would otherwise be deductible under Treas. READ NOW » Related Content SECURE 2.0

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Healthinsurance.org

APRIL 25, 2024

Read our article about how to decide between COBRA and a self-purchased policy. 9 You’ll want to find out how much your spouse’s payroll deduction for the health plan will increase once you’re added to the plan. Short-term policies are not comprehensive and cannot be considered a substitute for ACA-compliant health coverage.

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ProWriters

NOVEMBER 13, 2024

The CrowdStrike attack underscores your need, as a Cyber Insurance broker, to have discussions with your clients about safely and effectively navigating today’s digital security landscape. Knowing policy limits, deductibles, and exclusions is critical. What Is the CrowdStrike Attack?

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ProWriters

APRIL 17, 2024

One key step is making sure clients have adequate coverage options for bodily injury in their Cyber Liability Insurance policies. We at ProWriters can help you understand the risk, explain it to your clients, and secure the Cyber Insurance policies that provide the protection they need.

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LexisNexis

JANUARY 28, 2025

IRS provides transitional relief from penalties for certain brokers who fail to report sales of digital assets, as defined in Reg. §1.6045-1(c)(8)(ii) , (iii) , or (iv) , on information returns (Form 1099-DA, Digital Asset Proceeds From Broker Transactions), or fail to furnish payee statements I.R.C. 10025, 90 Fed.

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Healthinsurance.org

JUNE 20, 2024

If you buy your own (non-group) health insurance, the insurer may either allow you to be on the same policy with your domestic partner or require you to have separate policies. 24 (To clarify, IRS rules for allocating premium tax credits are applicable in any situation where two or more tax households share a single Marketplace policy.

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American Agents Alliance

AUGUST 22, 2024

The most immediate impact will be an increase in premiums for drivers currently holding minimum coverage policies. Agents may also want to advise clients to explore other cost-saving measures, such as increasing comprehensive and collision deductibles, or even eliminating comprehensive and collision coverage altogether on older vehicles.

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PSM Brokerage

NOVEMBER 26, 2024

This proposed rule includes more policies to remove unnecessary barriers to care stemming from the use of inappropriate prior authorization by clarifying requirements for plan use of internal coverage criteria and proposing guardrails for the use of artificial intelligence (AI) to protect access to health services.

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