"Education" Archives

  1. Should you File a Claim for a Fender Bender?

    by Cameron Bramwell

    Category: EducationInsurance

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    It can be tempting to file an auto insurance claim when you’re involved in any type of accident. However, for smaller accidents that only do minor damage to vehicles, sometimes it may make sense to forego filing a claim. By working out a deal with the other involved party, you can prevent insurance rates from […]

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  2. Insuring Your College Student

    by Cameron Bramwell

    Protecting Your Student’s Belongings It is crucial that you contact JJ Insurance, Inc. about the rules and limitations of your coverage when it comes to your son or daughter’s dorm room. Many homeowners policies consider a dorm room as an extension of your home, so items your child keeps there may be covered to some […]

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  3. Why Do I Need Life Insurance?

    by Cameron Bramwell

    Life insurance isn’t a pleasant thing to think about, and it may seem like an unnecessary expense. But if you have dependents who rely on you for financial support, then life insurance is really about protecting them in case something happens to you. Your designated beneficiary would collect a financial benefit upon your death. Youth […]

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  4. Cyber Liability Insurance

    by Cameron Bramwell

    One of the biggest stories of the 2013 holiday shopping season had nothing to do with the hottest toys or the increased reliance on online shopping: Hackers infiltrated Target’s point-of-sale system in December and gained access to the credit and debit card information of 40 million customers and the personal information of 70 million more. […]

  5. Car Seat and Booster Safety for Your Kids

    by Cameron Bramwell

    Category: EducationSafety

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    According to the National Safe Kids Campaign, motor vehicle crashes are the leading cause of unintentional injury-related death among children younger than 15 in the United States. Child safety seats, when installed and used correctly, can prevent injuries and save lives. In fact, young children who are properly restrained in car seats and booster seats […]

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  6. Preventing Type 2 Diabetes

    by Cameron Bramwell

    One-third of those with type 2 diabetes (6.2 million people) do not know that they have the disease.  According to the American Diabetes Association, diabetes often goes undetected because many of its symptoms seem harmless. Symptoms Do any of the following symptoms sound familiar? Frequent urination Excessive thirst Extreme hunger Unusual weight loss Increased fatigue […]

  7. Take Steps to a Healthier You!

    by Cameron Bramwell

    Category: Education

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    So you eat right and exercise but want to do more to maintain your health? Well, how about taking some extra steps while you’re away from home? According to the U.S. Surgeon General, most Americans should log 10,000 steps per day to reduce the risk of disease and help lead a healthy, productive life. Consider […]

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  8. 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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  9. 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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  10. 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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