Customized Client Insurance Newsletters, Content, and Marketing Services

People spend their lives pursuing happiness, but for most of us it remains elusive. We get so fixated on being happy that our efforts turn into an exercise in futility and in the end we're no happier than before.

But it doesn't have to be that way, according to writer Emily Esfahani Smith, who says people's despair isn't caused by a lack of happiness, but rather a missing sense of meaning. Here's how you can instill that meaning in your life.

Commercial property insurance rates remain stubbornly high in California for businesses with properties that are susceptible to wildfire risks.

Coverage is relatively easy to find at reasonable prices in any of California's larger cities, but in small cities and towns, it's a different story. Here's what's going on and what your options are if your commercial property policy is non-renewed.

As the labor market remains tight and businesses struggle to find staff, more small firms are starting to offer employee benefits, particularly health coverage.

But the costs of coverage can be daunting and many employers worry about whether they can afford benefits programs and struggle to set a budget that won't deplete or severely dent their profits. Fortunately, there are steps you can take to ensure that you prepare a budget that won't break the bank.

Despite many businesses taking measures to reduce the chances of one of the most common workplace injuries — slip and fall incidents — nearly half of workplace floors fail to meet safety criteria, according to a new study.

While well-intentioned employers may take steps to reduce slip and fall injuries by ensuring that walking surfaces don't have standing water on them or are free of clutter, many overlook flooring selections and ongoing maintenance on slip resistance.

That poses a risk to workers and third parties that enter your facility.  

If you own your business and have employees, you are likely exempt from having to cover yourself under your workers' compensation policy in California.

But what if you have multiple owners? There are rules promulgated by state law that set out the parameters for when owners can be excluded from the workers' comp policy, and you need to understand the law so you don't fall afoul of it.

If you've been involved in a large construction project, you are familiar with surety bonds and all of the underwriter's questions you need to answer.

If you're new to the game, it can be daunting. Many small contractors pass on bidding for projects if they require a payment and/or performance bond. They may have the finances, track record and experience to complete the project, but the application process for bonds can be forbidding.

But it doesn't have to be that way.

The Inflation Reduction Act that President Biden signed into law in August 2022 includes a number of provisions for businesses, some of which will benefit the agricultural sector.

The new law includes policies covering biofuels, farm debt, environmental conservation and energy costs for farms. To find out how this might affect your operations, get the details here.

As open enrollment is right around the corner, now is the time to gear up to maximize employee enrollment, help them make the best selections for their own personal circumstances, and stay compliant with relevant laws and regulations.

It's a lot to take in as uncertainty has been a constant during the last few years with the COVID-19 pandemic and its lingering effects on people's health and the economy.

Here are some pointers to make open enrollment fruitful for your staff and your organization.

Many seniors have diabetes and need insulin to keep their blood-sugar levels in check.

Fortunately, a new law passed in 2022 will cap the out-of-pocket cost of most insulin prescriptions at $35 a month, but there is a new category of insulin delivery system that is not yet covered by the Medicare guide: the popular Omnipod. How will Medicare Part B or your Medicare Advantage plan cover them?

As the 2023 Medicare Annual Enrollment Period approaches, you need to know about a number of changes that will affect what you pay for your coverage.

First off, if you are enrolled in a Medicare Advantage plan and/or a prescription drug plan, you should have already received your Annual Notice of Change, updating you on any changes to the plan you are currently in. You should review this notice carefully before deciding if it's time to perhaps change plans.

Besides that, every year, new premiums are set for Medicare. Here's what you can expect.

Autumn is a wonderful time of year and comes with colorful fall and harvest festivals and, of course, Halloween celebrations. 

During all the festivities and fun, it's a good idea to take precautions to make sure that all family members, including pets, enjoy a safe experience, particularly during Halloween. The most important thing is assuring that your kids are safe when trick-or-treating, but Halloween parties can also pose risks to your family, guests and property. Here's how to keep everyone safe.

If you're approaching retirement, you are probably asking yourself an all-too-common question: should I invest in a bank CD or an annuity? You're not alone.

Consumers across the nation struggle with the same dilemma. The first step in making this important decision is to understand the differences between these two products.

Here's a quick explainer of how they differ and which one you might benefit from more depending on your life circumstances.