Recent Posts

  1. Understanding Your Workers’ Compensation Experience Modification Factor

    by Cameron Bramwell

    Understanding Your Workers’ Compensation Experience Modification Factor A key to understanding your workers’ compensation premium is the experience modification factor, also known as your mod. Understanding your company’s mod and the data used to obtain it helps you identify ways to minimize your workers’ compensation premium. Who calculates the mod factor? Most states use the […]

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  2. 2013-2015 Changes to NCCI’s Primary-Excess Split Point

    by Cameron Bramwell

    In 2011, the National Council on Compensation Insurance (NCCI) proposed a change to the experience rating plan to increase the primary-excess split point over a three-year transition period. The first stage of the transition took effect with each state’s approved rate and loss cost filing on or after Jan. 1, 2013. This change has also […]

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  3. Vegetarian and Vegan Diets

    by Cameron Bramwell

    Category: Food

    Tags:

    Everyone makes food choices in different ways. For some, it is more than simply out of hunger or craving; their food choices are a way of life. Vegetarianism is a choice to abstain from eating meat products. Those who are vegan do not eat anything containing animal products (such as dairy and eggs), and prefer […]

  4. Do I need Workers Compensation Coverage For My Small Business?

    by Cameron Bramwell

    Workers’ Compensation 101 for Your Small Business Workers’ compensation insurance benefits are available to employees who are injured or become ill as a result of a work-related incident. If one of your employees is injured on the job and is medically authorized to take time off from work, he/she will be reimbursed for lost wages […]

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  5. Eliminating Indoor Air Pollution

    by Cameron Bramwell

    Americans spend approximately 87 percent of their time indoors, according to the U.S. Department of Energy. Since air circulation is often restricted inside, it is speculated that indoor pollutants are far worse for humans than poor outdoor air quality. In fact, the U.S. Department of Energy claims that indoor pollutant levels are potentially 100 times […]

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  6. Cash Value Life Insurance

    by Cameron Bramwell

    Many people who buy life insurance do so to protect their family, however they can also add value to their diversified financial portfolio. It can supplement a number of different financial goals in addition to providing death benefit protection. Cash value life insurance is a type of life insurance that offers great flexibility. It can […]

  7. Automobile Policy Coverage Summary

    by Cameron Bramwell

    BI? UM? If you are trying to make sense of your automobile insurance options and the limits that you need, we can help. We’ve covered the basics to help you read and understand your coverage options and policy language. Comprehensive and Collision Collision – Covers damage to your car when your car hits, or is […]

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  8. IRS Updates

    by Cameron Bramwell

    Category: Insurance

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    IRS Releases Draft Forms for Health Coverage Reporting On July 24, 2014, the Internal Revenue Service (IRS) released draft forms for employer reporting of health coverage. These draft forms are intended to prepare stakeholders (such as employers) for new reporting provisions under Internal Revenue Code Sections 6055 and 6056. Because these forms are drafts, they […]

  9. 8 Ways to Stop Cybercriminals from Attacking Your Small Business

    by Cameron Bramwell

    Outsource payment processing. Avoid handling card data on your own. Reputable vendors, whether it’s for Point-of-Sale or web payments, have dedicated security staff that can protect that data better than you can. Separate social media from financial activity. Use a dedicated device for online banking. Use a different device for email and social media. Otherwise, […]

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  10. September is Life Insurance Awareness Month

    by Cameron Bramwell

    What if you were no longer around and your family had to manage on their own? Would they be financially protected? If the answer is no, it is time to purchase life insurance; if you already have life insurance, it may be a good idea to check your coverage limits to ensure your family would […]

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