Healthinsurance.org

OCTOBER 16, 2024

State-funded health insurance subsidies change in several states In addition to the ACA’s federal premium subsidies and cost-sharing reductions, several states offer additional state-funded subsidies that further offset enrollees’ premiums, out-of-pocket costs, or both. 4 For 2025, the program is expanding.

Premium 116

Premium Out-Of-Pocket Broker-Agent Broker 116

Redbird Agents

SEPTEMBER 13, 2024

Standardize Procedures: Document every process within your agency, from client onboarding to policy renewals. Buyers are more likely to pay a premium for an agency that has multiple revenue streams. A CRM helps track client interactions and policy renewals, ensuring smoother operations.

Broker-Agent 240

Broker-Agent Broker Agents Insurance Carrier 240

R&R Insurance

FEBRUARY 20, 2025

This rate reduction will affect work comp policies with renewal dates between 10/01/24 to 09/30/25. Workers compensation rates are state mandated in Wisconsin, meaning all insurance carriers must use the same rates resulting in premiums from one carrier to another are basically the same. Rates in 2024 fell an average of 10.5%

Workers Compensation 52

Workers Compensation Insurance Carrier Premium Compensation 52

Distinguished

APRIL 14, 2025

But with value comes risk, and standard homeowner insurance policies frequently fall short when it comes to protecting one-of-a-kind instruments. Thats why a specialized collectibles policy is the right solution for clients who own rare, high-value guitars whether theyre collectors, professional musicians, or investors.

Insurer 52

Insurer Insurance Insured Policy 52

Word & Brown

APRIL 1, 2025

Individual Health Insurance Tax Deductibility If you offer individual health insurance to your clients, they may be able to include their health insurance premiums in their medical expense calculation on their taxes. Other health care-related expenses may also be deductible for your clients, depending on their incomes.

Deductible 52

Deductible Premium Out-Of-Pocket Insurance Policy 52

Property Insurance Centre

FEBRUARY 10, 2025

Lets break down the perils typically included in standard policies and additional coverages that businesses might consider. Video Common Perils Covered by Commercial Property Insurance Most commercial property insurance policies cover a broad range of risks, often referred to as “named perils.”

Commercial Property 52

Commercial Property Property Insurance Commercial Boiler and Machinery 52

Property Insurance Centre

JANUARY 30, 2025

Because of these risks, many standard building insurance policies may not fully cover an unoccupied flat for extended periods, typically beyond 30-60 days. Block of Flats Insurance with Unoccupied Cover A tailored policy that protects both occupied and vacant flats within the same building.

Property Insurance 52

Property Insurance Insurer Insurance Insured 52

Property Insurance Centre

MARCH 11, 2025

Higher Property Values and Rebuild Costs London property prices are significantly higher than the national average, which means higher rebuild costs and, consequently, higher insurance premiums. Unoccupied flats pose risks like water damage and squatting, which insurers consider when pricing policies.

Risk 52

Risk Insurer Insurance Insured 52

Property Insurance Centre

FEBRUARY 24, 2025

The Financial Toll of a Liability Claim A lawsuit can lead to crippling legal expenses, compensation payouts, and increased insurance premiums. Consult Legal Experts A business attorney can help review policies, contracts, and risk management strategies to ensure legal protection.

Liability 52

Liability Protection Claim Property Insurance 52

Agency Intelligence

OCTOBER 14, 2022

Insurance premium financing is an ideal solution for insurance providers, agents, and brokers looking to provide the best possible service to their insureds. With a commercial insurance loan, insureds can easily maintain liquidity and access policies that might otherwise be outside of their purchasing capacity.

Commercial Insurance 52

Commercial Insurance Premium Commercial Broker-Agent 52

Distinguished

MARCH 19, 2025

Even if some violations are eventually addressed, a history of non-compliance can still lead to higher premiums. Both resolved and unresolved violations can affect the terms, premiums, and overall coverage of these policies. What role can insurance brokers play in managing these challenges for their clients?

Building 52

Building Broker Damage Insurance Broker 52

Property Insurance Centre

JANUARY 27, 2025

Speak with the Freeholder or Managing Agent: Ask for details about the current insurance policy and how costs are allocated. Steps to Take Check the Lease Agreement: This document will outline who is responsible for insuring the building.

Building 52

Building Broker-Agent Insurer Insurance 52

Friendly Agent

SEPTEMBER 21, 2020

You may find various types of personal insurance and commercial insurance policies. Agents who sell insurance policies of the commercial type provide coverage to business owners with their property insurance, general liability insurance, and other kinds of coverage. There are Property and Casualty, Life/health insurance, and more.

Insurance Agent 130

Insurance Agent Insurance Agents Agents Broker-Agent 130

Protect Commercial Insurance

SEPTEMBER 13, 2024

The Role of Brokers in Securing the Best Commercial Insurance Deals When it comes to safeguarding a business, securing the right commercial insurance is a crucial step. Here is where brokers come in, not merely as middlemen, but as invaluable partners in the quest for the best commercial insurance deals.

Commercial Insurance 52

Commercial Insurance Broker Commercial Broker-Agent 52

Distinguished

FEBRUARY 24, 2025

However, for insurance brokers, the wide spectrum of restaurants represents both a challenge and an opportunity. From understanding local exposures to leveraging tailored package policies, youll gain the insider knowledge needed to win your clients trust and business. What Exposures Do Charlotte Restaurants Need to Worry About?

Liability 52

Liability Liability Insurance Insurer Insurance 52

Smart Insurance Agents

OCTOBER 16, 2024

A medical health insurance broker helps you choose the best health insurance plan tailored to your needs. Unlike agents tied to one insurer, brokers work with multiple companies to give you unbiased options. This article will explain how brokers operate, the benefits of using one, and how to find the right broker for you.

Insurance Broker 52

Insurance Broker Broker Broker-Agent Out-Of-Pocket Expense 52

Distinguished

MARCH 6, 2025

Even if some violations are eventually addressed, a history of non-compliance can still lead to higher premiums. Additionally, even if insurance is provided, policies may come with exclusions that specifically limit coverage for risks related to unresolved violations. Yes, indeed.

Building 59

Building Damage Insurance Broker Underwriter 59

Property Insurance Centre

SEPTEMBER 11, 2024

What does a Lift Inspection Policy cover? What does a Lift Inspection Policy cover in conjunction with a Purpose Built Flats Insurance Policy? Lift Inspection policies will often accompany a Purpose Built Flats Insurance Policy, and for good reason.

Insurance Policy 52

Insurance Policy Policy Boiler and Machinery Insurer 52

Distinguished

MARCH 21, 2025

Understanding these violationsfrom heating failures to structural hazardsis essential for insurance brokers advising property owners. Even if some violations are eventually addressed, a history of non-compliance can still lead to higher premiums. What role can insurance brokers play in managing these challenges for their clients?

Building 52

Building Insurance Broker Broker Damage 52

Smart Insurance Agents

SEPTEMBER 28, 2024

A broker for medical insurance can simplify the process. In this article, we’ll explain the benefits of using a broker, how to find a reliable one, and key questions you should ask. This guidance is particularly valuable as brokers have a legal obligation in many states to assist clients in finding the most appropriate insurance plans.

Broker 52

Broker Broker-Agent Insurance Broker Insurer 52

Distinguished

FEBRUARY 10, 2025

Whats Covered The policy covers a wide range of risks for direct physical damage, including fire and theft, under an all-risk policy structure with broad coverage. The minimum premium of $500 makes our program accessible, while our high capacity of $125 million ensures suitability for even the most extensive collections.

Broker-Agent 52

Broker-Agent Insurer Insurance Insured 52

Distinguished

AUGUST 5, 2024

However, if your clients have been lucky enough to come across a rare Illustrator Pikachu Card ( worth over $550,000 ) or a vintage Boba Fett toy ( worth over $500,000 ), they’re going to need an insurance policy that properly covers them. This means a specialized collectibles policy. How Do You Insure a Toy Collection?

Broker 52

Broker Insurer Insurance Insured 52

Redbird Agents

JULY 18, 2024

When it comes to buying insurance of any type, there are a myriad of choices and variables you must wade through to find the policy that works best for you. In response, they developed a dedicated app that lets you shop from the convenience of your phone to find the best policy that suits your needs.

Insurer 130

Insurer Insurance Insured Policy 130

AMAXX

JANUARY 13, 2025

Insurance Company: The Risk Bearer Often referred to as the underwriter, insurer, or carrier, the insurance company provides the workers’ compensation policy and assumes the employers risk. Brokers and Agents: Employer Advocates Brokers serve as intermediaries between employers and insurance companies. All state laws vary.

Workers Compensation 98

Workers Compensation Compensation Workers Comp Broker-Agent 98

Healthinsurance.org

DECEMBER 3, 2024

Or you might have opted to buy ACA-compliant coverage outside the exchange , if you weren’t eligible for premium tax credits (subsidies) the last time you looked. In addition to being more widely available, premium subsidies are also larger than they were before the American Rescue Plan.

Out-Of-Pocket Expense 116

Out-Of-Pocket Expense Out-Of-Pocket Premium Deductible 116

American Agents Alliance

MARCH 3, 2025

New efficient processes and workflows for underwriting, claims, policy administration, billing, and customer service have been implemented across the industry. However, for agents and brokers, these new AI-driven processes can introduce new E&O risks to mitigate and manage. Document processes, recommendations, and outcomes.

Broker-Agent 52

Broker-Agent Broker Agents Risk 52

Distinguished

MARCH 17, 2025

In New York City, housing code violations challenge property owners, tenants, and insurance brokers alike. With infractions ranging from heating failures to illegal conversions, understanding these issues is essential for assessing risk and underwriting policies.

Broker 52

Broker Insurance Broker Building Underwriter 52

AMAXX

MARCH 18, 2025

Claims Reporting Policy : Require employees to report injuries within a specific timeframe (e.g., Fraudulent claims increase insurance premiums, lead to higher experience modification factors, and put additional strain on legitimate claims management. You should consult with your insurance broker, attorney, or qualified professional.

Workers Compensation 71

Workers Compensation Compensation Claim Workers Comp 71

American Agents Alliance

DECEMBER 8, 2024

This could creatively add a layer of protection, but agents must be sure to educate consumers about parametric coverage and how it differs from a traditional policy. GenAI and predictive data analytics help insurers to better access and mitigate risk, price policies, prevent fraud, manage claims, and service customers.

Broker-Agent 40

Broker-Agent Agents Broker Risk 40

Jackson & Jackson

APRIL 29, 2024

Increase Your Deductible Increasing your deductible is one of the simplest ways to lower your insurance premiums. Compare how different deductible levels affect your premiums by requesting quotes from your insurer. Enhancing the safety and security features of your property can significantly reduce your premium costs.

Commercial Property 52

Commercial Property Property Insurance Commercial Deductible 52

Tosten Marketing

APRIL 7, 2025

Segment your email list based on policy types, renewal dates, or customer lifecycle stages. Send policy renewal reminders with coverage update suggestions. Create infographics that visualize insurance statistics or compare policy types. Real estate agencies, car dealerships, and mortgage brokers often make excellent partners.

Insurance Agency 52

Insurance Agency Insurer Insurance Insured 52

Protect Commercial Insurance

FEBRUARY 10, 2022

Whilst we’re predominantly a commercial insurance broker, the new ruling affects our high-value household policies. Key changes The new rules have brought some key changes to the way General Insurance works: Equivalent policy premiums should not be higher for existing customers than for new customers. Premium reductions?

Premium 52

Premium Broker Commercial Insurance Commercial 52

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. Obtain quotes from at least three different insurers to compare coverage options and premiums. Let’s dive in!

Commercial 52

Commercial Insurance Broker General Liability Business Interruption 52

AMAXX

MARCH 4, 2025

A policy or training is implemented to check the compliance box. Data from OSHA and the National Safety Council consistently show that businesses that invest in safety programs experience lower insurance premiums, fewer lost workdays, and improved productivity. OSHA requirements are reviewed to determine how to respond.

Workers Comp 71

Workers Comp Workers Compensation Injury Compensation 71

Zywave

NOVEMBER 13, 2024

Distribution & Quoting You can’t build your cyber business if you don’t get your coverage in front of the right brokers and their clients. This data can be fed directly into your underwriting and actuarial models, helping you sustainably expand premium opportunities without blindly assuming risk.

Cyber 97

Cyber Policyholder Insurer Insurance 97

Property Insurance Centre

OCTOBER 18, 2024

The insurance industry has had to adjust premiums to reflect this growing risk. Long-Term Implications for the Market The combination of rising claims, more frequent extreme weather events, and increasing premiums is putting significant pressure on the UK property insurance market.

Property Insurance 52

Property Insurance Premium Insurer Insurance 52

Property Insurance Centre

AUGUST 8, 2024

You will want to make sure you have the right policy in place that will cater for your particular requirements. It is also important that you inform your insurer that the property is empty, as there are some important conditions that you will need to comply with to ensure your policy remains valid.

Insurer 52

Insurer Insurance Insured Premium 52