Capstone Insights
Sure anyone can call an insurance company and get a policy that will cover their needs for insurance but are you getting the best coverage for your money?, An insurance broker can make sure that you are. Most consumers know they need coverage and just want the cost to be affordable. Consumers want to get coverage the easiest way possible, they want peace of mind that their assets are covered and most importantly want to have their personal information is secure. Continue reading →
Most of us are familiar with the normal type of incidences that claims arise from. We know what typical home & auto insurance policies cover. Your having home catches on fire. Covered. You’re teaching your teenage son to drive and he rear-ends the neighbor’s car. Covered. Your aunt runs into your home with her car because she is having trouble with depth perception. Covered. With the holidays and winter fast approaching there are many things to think about when it comes to your personal insurance policies. Do you know what your homeowners and automobile policy cover? Are you insured if your home floods? Are you insured if you are in an automobile accident when driving someone’s vehicle? Are you insured for unexpected events? Continue reading →
Well we have survived the first few weeks of back to school. Many children and parents may need to rethink safety when it comes to school time. Does your child walk to school, ride the bus, bike, or get dropped off? However your child gets to school, discussing back to school safety is a must. Continue reading →
many regulations that rolled out over the past few years since The Affordable Care Act was enacted may leave many businesses struggling to afford proper coverage and benefits for their employees. As an experienced broker I have found that the health insurance market has changed drastically over the years. Every health insurance carrier is unique on how they rate premiums for a corporation. Many companies have been faced with increased premiums, and may find themselves struggling to maintain the added cost. One of the most common solutions is to pass more of the increase onto the employees, which can cause many to feel let down by the benefits being offered to them for their devotion to the company. It is imperative to work with an educated and experienced broker in today’s group medical market. Continue reading →
Many states have enacted legislation that requires claimed defects on homes built to be reported to the builder in an effort to try and reduce the amount of Defect Lawsuits. What is being called the “right to repair” allows a builder to address the homeowner’s claimed defects and then repair the defect rather than being brought to court. The “right to repair” provides an avenue to the homeowner to seek repair on their home without having to open a lawsuit. Continue reading →
Across the globe, car accidents remain the number one killer of children. While safety measures, such as car seats and seat belts, have come a long way still more can be done to protect the little people of the world. A study By Safe Ride 4 kids found that 33% of children involved in automobile accidents were NOT restrained. That is a scary statistic about children not being protected by an easy seat belt restraint or car seat. Continue reading →
Many families take to the road or sky during summer for vacation. One safety concern for anyone with young children is the safety of the kids in the car or plane for travel. For many families with children still in car seats there are many things that should be addressed regularly. Getting the right car seat, installing it properly, and using it the right way is imperative to keeping your children safe. Continue reading →
Worker’s Compensation claims are already a headache to deal with. Between completing the correct paperwork in a timely manner to OSHA breathing down your neck; it can be tremendously stressful for employer, employee, and carrier. To make things more difficult, 90% of independent medical reviews done by an independent party in California upheld the modification or denial of medical treatment as unnecessary. Continue reading →
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