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If you're like most people, it's always in the back of your mind when you decline the car insurance when renting a vehicle while away on vacation or business.

If you've ever opted for full supplemental coverage, you've likely noticed that the cost of your rental skyrockets by more than 50% in many cases. But, what if you already have insurance for your personal vehicle? Do you still need extra cover? Here's what you need to know.

One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home. 

But, the coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. Here are some examples of what likely would be covered by the personal liability part of your policy.

The Departments of Labor, Treasury and Health and Human Services announced that they will no longer enforce a 2024 rule limiting short-term health insurance to three months.

The decision leaves the door open for insurers to once again issue these policies for up to three years, as they were permitted under rules implemented during President Trump's first term. The agencies emphasized that the rule itself remains in place but said they "do not intend to prioritize enforcement actions" against plans that exceed the Biden-era restrictions. What does this mean for employers?

Now that children are starting a new school year and with most institutions now open for in-person classes, drivers need to be aware of school zone safety.

Traffic is often congested outside of schools early in the day as parents drop their kids off, and after school when they fetch them. If you are a passing motorist, use extreme caution particularly near children who are walking to school. This item offers some tips to protect lives.

In light of today's diverse and continuously evolving workforce, it's more critical than ever to have a targeted strategy for your open enrollment.

You should not consider open enrollment only as the period when your staff chooses benefits. If you can stick the landing during open enrollment, you may be able to boost participation and help your organization attract, engage and retain top talent.

As the year-end open enrollment period approaches, now is the time to fine-tune your benefits, and that starts with surveying your employees about their views of your current offerings.

There should be more to this effort than checking boxes, and it's important that you elicit an honest assessment from your employees, and once you have their responses you need to process and analyze them with the goal of exploring changes that will benefit your staff. Here's how to structure your survey and make a plan.

Employers are preparing for what could be the steepest annual increase in health care costs in more than a decade, and many are considering plan design changes, including cost-shifting, to buffer the impact, according to a new report.

The survey found that business executives project a median 9% rise in costs for 2026, but expect a 7.6% increase after making plan design changes to address major cost drivers. Here are the biggest concerns and how surveyed employers plan to address them.

The opportunity for a new job or career is an exciting time, and if you are like many Americans, you will likely change jobs or careers more than once. A question we get all the time as advisors is, "What do I do with my old 401(k)?"

It's important to keep track of these plans to avoid losing funds that can help you live a financially stress-free retirement. You have a few options when dealing with your retirement plan from a prior employer.

It's getting tougher to recruit and retain quality employees. The best employees are demanding a quality retirement plan from their employers, among other benefits.

Small businesses looking to establish a retirement plan for themselves and their employees have a number of options.   

Autonomy, freedom, flexibility — there are certainly perks to being a self-employed individual. However, there are also some disadvantages, mainly not having a benefit plan provided.

You are essentially on your own when it comes to obtaining life, health, disability and other insurance benefits. As a self-employed person, you're placing your family at significant financial risk if you don't own a life insurance policy.

One of the largest writers of workers' compensation insurance in California recently sounded the alarm about the growth of costly cumulative trauma claims in the state.

The insurer, in a recent earnings call, highlighted the drag these claims have on its results a month after the Workers' Compensation Insurance Rating Bureau noted in its recent rate filing the oversized impact of cumulative trauma claims on overall workers' comp claims.

While some claims are legitimate, many are filed by workers after they are terminated, thanks to lawyers who approach them after they are laid off.  

The U.S. Department of Transportation has officially withdrawn its long-running effort to require speed limiters on heavy-duty trucks, concluding a debate that has spanned decades.

The rule would have required truck owners to install devices that caps truck speeds at 68 mph, but federal regulators determined the proposal lacked sufficient safety justification, was out of step with state speed laws and could create more risks than it reduced.