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Wendy’s Briefcase – ACA Open Enrollment

Wendy's Briefcase - ACA Open Enrollment

The Affordable Care Act Open Enrollment period will soon be upon us.  Open enrollment begins on November 1st and ends on December 15th for an effective date of January 1st, 2019.  If you do not have health insurance currently, and do not or will not have access

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The Insurance Nerd – Life insurance for Life Events

The Insurance Nerd - Life insurance for Life Events

I’m a fan of that feature on Facebook where you can create a Life Event. From graduating college, to getting engaged or married, to having a baby, to buying a cat, to buying a house, to getting divorced, you get to set aside those really big milestones

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In the “Nick” of Time: Minimizing Your Business Insurance Costs – Part 4

In the "Nick" of Time: Minimizing Your Business Insurance Costs – Part 4

In this final installment, we continue to look at ways for businesses to help keep their insurance costs as low as possible. Maintain, to the greatest degree possible, the same expiration dates and insurance carriers on all of your policies.                                                                                         This will assist in adding to your

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Simply Sandra – Family things to do on your Labor Day Weekend Staycation!

Simply Sandra - Family things to do on your Labor Day Weekend Staycation!

Insurance rates are on the rise, and with the end of summer and the start of a new school year, we are all looking for ways to save money. But hey, it’s the long weekend and we want to do something! Here are some ideas. Pretend you

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Wendy’s Briefcase – Business Income and Extra Expense

Wendy's Briefcase - Business Income and Extra Expense

Business owners purchase insurance on their businesses, usually insuring their building, contents, liability and other coverages, similar to what a homeowner will purchase on their home, although in a more complex format.  One of the most important coverages purchased is Business Income and Extra Expense.  This coverage

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Wendy’s Briefcase – Construction Safety

Wendy's Briefcase - Construction Safety

Construction worksite management has been a high priority for both OSHA (Occupational Safety and Health Administration) and MIOSHA, which is the State of Michigan’s offshoot of OSHA.  Over the last few years, and especially now with new construction ramping up again, these safety associations have been conducting

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Simply Sandra – Grilling Without Grief

Simply Sandra - Grilling Without Grief

According to the National Fire Protection Association (https://www.nfpa.org) July is the peak month for grill fires. An average of 16,600 patients per year went to emergency rooms because of injuries involving grills.Half (8,200 or 49%) of the injuries were thermal burns. Children under five accounted for an

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Simply Sandra – Why Schedule Your Personal Property

Simply Sandra - Why Schedule Your Personal Property

According to findings from a 2013 National Crime Victimization Survey conducted by the U.S. Department of Justice’s Bureau of Statistics, U.S. residents were victims of approximately 23.2 million crimes, these included burglaries, thefts, and property damage crimes. Here are just a few of the many benefits of

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In the “Nick” of Time: Minimizing Your Business Insurance Costs – Part 3

In the "Nick" of Time: Minimizing Your Business Insurance Costs – Part 3

In this installment, we continue to look at ways for businesses to help keep their insurance costs as low as possible. Start early. In order to gain control over otherwise unacceptable increases, businesses must start early in the process of reviewing their program with their agent and

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The Insurance Nerd: Mental Health Awareness

Tony Stark in the MCU was always a really confident guy. That is, until the after events of the first Avengers movie. When we see Tony again in Iron Man 3, he’s a hot paranoid mess. The great Ironman, “billionaire genius playboy philanthropist,” is suffering from Post-Traumatic

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