The Basics of Auto Safety
Newsletter Article: March, April 2008
Auto safety awareness and training is a bit like clean air. It is only when you do not have enough of it that it really grabs your attention. By then, it may be too late.…

Cheap Health Insurance—Does it Exist?
Newsletter Article: March, April 2008
Discount health plans have emerged as an attempt to be “cheap health insurance”. However, discount health plans are not health insurance. Most regulated insurance companies do not sell discount health plans.…

Workers’ Compensation:
Employee Choice of Physician Legislation
Newsletter Article, January, February 2008
A bill passed by the Colorado legislature during the 2007 session, HB 1176, makes a significant change to the Colorado Workers’ Compensation Act. This new law requires that the employer or insured must provide a list of at least two medical providers from which an injured employee may choose treatment in the event of a work-related injury…

Health Insurance in Retirement
Newsletter Article: January 2008
Medically speaking, Americans age 50 and over account for 77% of all prescription drug purchases and 61% of the over-the-counter drug purchases.…

Ten Costly Mistakes to Avoid:
Become a Smart Insurance Consumer
Newsletter Article: December, January 2008
Buying insurance is no one’s favorite activity so avoidable mistakes occur frequently.…

Unemployment Trusts Save Money
Newsletter Article: September, October 2007
As nonprofit organizations look for ways to reduce operating budgets and increase funds, more groups are opting out of their state unemployment tax system and realizing significant savings.…

Health Savings Account
Newsletter Article: June, July 2007
A Health Savings Account (HSA) is a high deductible health insurance plan with an IRA-like savings account. The minimum deductible is $1,100 per person and $2,200 per family..…

Good Board Practices Prevent Lawsuits
Newsletter Article: April, May 2007
Even the best practices are no guarantee that the board will not be sued; however, good board practices can be an effective defense.…

Pre-paid Legal Services: Do I Need It?
Newsletter Article: March, April 2007
The cost of hiring a lawyer and the mysteries of the legal process discourage most people of modest means from trying to enforce their rights. Statistics show that one out of every two Americans will need the advice of a lawyer in the next twelve months.…

Keep Employees Safe This Winter
Newsletter Article: December, January 2007
Preventing Winter Slips, Trips, and FallsDress for Cold-Weather Success.…

Directors’ & Officers’ Liability:
Understanding the Policy
Newsletter Article: October, November 2007
Each insurance company writes its own specialized Directors’ & Officers’ (D&O) policy. Determining what coverage is provided can be a very difficult process…

Hold Harmless Agreement—Should I Sign It?
Newsletter Article: July, August 2006
A hold harmless, an agreement between two parties, states that one party will assume the risk of legal liability for the other party associated with an event. It is a risk transfer mechanism.…