Blog
- Filter by
- Categories
- Tags
- Authors
- Show all
- All
- 150
- 2018
- 2019 limits
- 2020
- 2020 overtime rules
- 2021
- 2022
- 20s
- 300
- 300a
- 301
- 401
- 401(k)
- 401k
- ACA
- accident
- accident fund insurance
- accidental injury
- accidents
- active shooter
- ad poisoning
- advanced persistent threats
- agency
- AHCA
- aircraft exclusion
- airport
- american health care act
- american rescue plan
- amount
- ancillary
- anniversary
- apt
- assessment
- assets
- at will
- attack
- attire
- attorney
- attract
- auto
- auto and home insurance
- auto home insurance
- auto insurance
- auto insurance bay city
- auto insurance midland
- auto insurance reform
- auto insurance saginaw
- autonomous driving
- avoid
- award
- basement
- bay city
- bay city business insurance
- bay city insurance
- bay city life insurance
- bcn
- bcra
- bec
- beneficiaries
- beneficiary
- benefit plans
- benefits
- best
- best auto insurance
- best bay city insurance
- best car insurance
- best insurance
- best insurance saginaw
- best life insurance
- best midland insurance
- best practices
- best saginaw home insurance
- best saginaw insurance
- better care reconciliation
- bi
- bill
- black friday
- blog
- blue cross
- blue shield
- bodily injury liability
- body language
- bop
- botnets
- bottle rockets
- branding
- breach
- break in
- break ins
- builders
- business
- business email compromise
- business insurance
- business insurance cost
- business insurance quote
- business insurance saginaw
- business liability insurance
- business life
- business owner
- buy sell agreement
- c-suite
- calculations
- can't find
- candy
- car
- car insurance
- car insurance saginaw
- cassidy
- casualty
- chamber
- change
- changes
- charity
- christmas lights
- christmas tree
- claim
- claims
- class action
- clear advantage
- cobra
- cold
- college
- college insurance
- college students
- commercial auto
- commercial insurance
- commercial property
- company
- company culture
- company vehicles
- competition
- compliance
- computer
- confidence
- conflict resolution
- congress
- consumerism
- contractor
- contractors
- contractors insurance
- contributions
- conversations
- cope
- coronavirus
- cost
- cost sharing reductions
- costs
- costume
- coverage
- covid
- covid-19
- cpr
- credentials
- credit card
- crime
- critical illness
- cultural
- culture
- cyber
- cyber insurance
- cyber liability
- cyber monday
- cyber security
- cyberattack
- cybersecurity
- dart rate
- data
- data breach
- data protection
- deadline
- death
- death planning
- deceased
- decision aids
- decision making
- deductible
- deer
- deer crashes
- delegate
- dental
- dental insurance
- department of justice
- destress
- detector
- devices
- digital
- disability
- disability insurance
- disaster
- discrimination
- distracted driving
- divorce
- do i need life insurance
- doctor
- dog bite claim
- dog bite insurance
- dogs
- DOL
- domestic flight
- donation
- dorm
- dress
- driver safety program
- drivers license
- driving
- drones
- EAP
- earthquake
- eeoc
- electronic
- electronic reporting
- email scam
- emergency
- employee assistance program
- employee benefits
- employee handbook
- employees
- employer
- employer-provided
- employer-sponsored
- employers
- employment opportunity commission
- employment practices
- employment practices liability insurance
- empty nest
- engagement
- enhanced
- enhanced license
- enrollment
- epli
- equifax
- ergonomics
- estate
- estate planning
- event
- ewend
- excluded breeds
- executive
- executive bonus
- executive order
- executive tips
- executor
- exempt
- experience mod
- extension
- family
- family business
- family plan
- faq
- faucet
- federal
- fee
- financial wellness
- fine
- fines
- fire
- fire extinguisher
- firecrackers
- fireplace
- fireworks
- fireworks safety
- first report of injury
- fleet insurance
- flexible spending account
- flood
- flood coverage
- flood insurance
- FLSA
- fly
- flyer
- fmla
- form
- form 1095
- form 300a
- fourth of july
- frankenmuth insurance
- freelance
- frequently asked questions
- fringe
- frivolous
- frozen pipes
- FSA
- funeral
- garaging location
- general liability insurance
- gig
- giving
- gmdb
- goals
- going up
- gossip
- government
- governor whitmer
- graham
- great lakes bay
- great lakes bay region
- group health insurance
- guaranteed minimum death benefit
- guaranteed whole life
- gutters
- hack
- hacker
- hacking
- halloween
- halloween safety
- handbook
- hands free
- hard insurance market
- hard market
- haugh
- hdhp
- health
- health care
- health insurance
- health insurance companies
- health insurance plans
- health savings account
- healthcare
- heirlooms
- high deductible
- hiring
- holiday
- home
- home and auto insurance
- home and auto insurance quotes
- home improvement
- home insurance
- home insurance companies
- homebuilders
- homeowners
- homeowners insurance
- homes for sale
- hose
- hospital indemnity
- house
- house health care plan
- houses for sale
- how much
- how much life insurance
- how to
- how to avoid
- how to choose
- how to get life insurance
- how to lead
- how to protect
- HR
- hra
- hsa
- human resources
- identity theft
- iii
- inc
- incentive
- increase
- independence day
- independent insurance agency
- individual mandate
- infographic
- injuries
- insurance
- insurance in saginaw
- insurance quote
- insurance quotes
- insurance reform
- insurance tips
- insured
- internal revenue service
- internet
- internet of things
- interview tips
- invasion of privacy
- investment
- irs
- job
- keystone
- keystone insurers group
- kidde
- last will and testament
- law
- laws
- lawsuit
- lawyer
- leadership
- leak
- leak detection
- legislation
- Leibowitz
- liability
- liability insurance
- life
- life for business owner
- life insurance
- life insurance calculator
- life insurance over 50
- life insurance policy
- life insurance questions
- life insurance quote
- life insurance quotes
- life insurance statistics
- life insurance tips
- lifeworks
- limit
- limits
- list
- living benefits
- local
- lock
- lock it or lose it
- log
- long term care
- long-term disability
- lost
- lost time
- lost time case rate
- lower rates
- ltc
- lyft
- malware
- manage
- manager
- mandate
- marriage
- maximized
- mcca
- mcca fee
- mcconnell
- mcguinness
- medicaid
- medical
- medical fee schedule
- medical history
- medical records
- medicare
- medium
- meetings
- mental health
- metal
- michigan
- michigan auto insurance
- michigan auto insurance reform
- michigan catastrophic claims association
- midland
- midland business insurance
- midland insurance
- midland insurange
- midland life insurance
- millennial
- miosha
- mitigate
- mobile
- money
- most
- motorcycle
- motorcycle insurance
- music
- nahu
- national
- national flood insurance program
- national preparedness month
- natural disaster
- networking
- neuroscience
- new auto insurance laws
- new bill
- new law
- new limits
- news
- nfip
- no fault
- no-fault insurance
- nominate
- nonprofit
- nonverbal communication
- obamacare
- october
- online
- online locator
- online safety
- online shopping safety tips
- online tips
- options
- osha
- osha log 300
- osha reporting
- oshalogs
- out of pocket
- outlive
- overtime
- overtime laws
- owner
- package
- pandemic
- partner firm
- passport
- patient
- pcori
- pcori fee
- people risk
- perks
- permanent life
- perpetuation
- personal
- personal injury protection
- personal umbrella liability policy
- personal umbrella policy
- phishing
- phone
- phone scam
- pip
- pit bull
- plan
- PMIS
- policy
- postcard
- posting
- premium
- premium assistance
- prescriptions
- present
- presentation
- president
- president's club
- press release
- price
- pricing
- prioritize
- product
- professional liability
- property
- protect
- pto
- public liability insurance
- puzzle
- questions
- ransom
- ransomware
- real estate
- real estate fraud
- real id
- recall
- recordkeeping
- recruiting
- reform
- refund
- regulations
- relationship
- remote
- renters insurance
- repair
- repeal
- repeal and replace
- replace
- reporting
- reputation
- requirements
- research
- resources
- results
- retain
- retirement
- return to work
- ride
- rider
- ridesharing
- rising cost
- risk
- risk management
- risks
- robert dotson
- roof
- rv
- safety
- safety program
- saginaw
- saginaw auto insurance
- saginaw bay
- saginaw bay underwriters
- saginaw bay underwriters insurance
- saginaw business insurance
- saginaw car insurance
- saginaw employee benefits; benefits; health insurance; blue cross; midland insurance
- saginaw home insurance
- saginaw insurance
- saginaw insurance quotes
- saginaw life insurance
- saginaw police
- saginaw township police department
- salary
- sbu
- sbu cares
- scam
- science
- secretary of state
- security
- senate
- senate health care plan
- september
- service line
- service line coverage
- settlement
- severity
- severity rate
- sharing
- shopping
- short-term disability
- shrm
- single
- small business
- small business health insurance
- small business insurance
- small business insurance quote
- smartphone
- smartphones
- smoke
- social engineering
- soft market
- spending
- spring cleaning
- state id
- stimulus
- stolen
- stpd
- stress
- study
- subsidies
- success
- succession
- sued
- summer
- supervisor training
- supplemental
- supplemental health insurance
- survey
- system
- talent
- tax
- tax deductible
- tech
- telemedicine
- term
- term life
- testing
- texting
- texting while driving
- thanksgiving
- the clear advantage
- theft
- thefts
- threat
- time manage
- tips
- tornado insurance
- tornadoes
- total rewards
- training
- transfer costs
- travel
- treatment
- trends
- trick or treat
- Trump
- TSA
- UBA
- uber
- umbrella
- united benefit advisors
- universal life
- unlimited
- unmanned aerial vehicle
- update
- usdoj
- vaccination
- vaccine
- variable life
- vehicle
- violation
- virus
- vision
- vision insurance
- voluntary
- washing machine
- washing machine hoses
- washington
- water
- water damage
- water shutoff
- watercraft
- week
- weightless
- well being
- wellness
- wellness 401k
- wellness plans
- wellness strategy
- what to do
- whitmer
- whole
- whole life
- will
- wind
- winter
- wire fraud
- wire transfer fraud
- work culture
- work life balance
- work life blend
- workers comp
- workers compensation
- workers compensation insurance
- workforce
- workplace
- workplace culture
- workstation
- yard
- zoom
- All
- William G. Koepke, CIC, CRM, CAWC | Vice President | Business Risk Advisor
- Jeff Sams, LIC | Senior Vice President | Employee Benefits Risk Advisor
- James F. McGuinness | Vice President | Employee Benefits Risk Advisor
- Mark A. Schaeff, CIC, CRM | Vice President | Business Risk Advisor
- Peter N. Ewend, CIC | President/CEO | Business Risk Advisor
- Robert J. Dotson, CIC, LIC, CBWA | Vice President | Employee Benefits Risk Advisor
- Saginaw Bay Underwriters
- Scott Bryant, CIC | Vice President | Business Risk Advisor
- Scott Withrow, CPCU, CIC | Vice President | Business Risk Advisor
May 27, 2020
Published by Robert J. Dotson, CIC, LIC, CBWA | Vice President | Employee Benefits Risk Advisor at May 27, 2020
Categories
Most people understand the importance of life insurance for individuals and families. For businesses and business owners, however, life insurance is just as important, yet for […]