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We pride ourselves in having a high level of insurance acumen and have a passion to share our experience with clients. Here you can find informative articles on insurance, safety, and risk for you, your family, or your business. Each article includes a link for you to share with anyone who may benefit.

Education Blog

Check out our Education Blog for articles on insurance, safety and risk for you, your family or your business.

Wait – that accident wasn’t my fault! Know your rights as a claimant.

December 11, 2017

If you have an auto accident where you are at fault, your insurer covers the damages under the terms of their contract with you, and that coverage is subject to the terms and conditions of that contract. However, what many people do not understand is how that scenario changes when the other driver’s insurance is…

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Employee Benefit Plan Limits for 2018

December 6, 2017

Many employee benefits are subject to annual dollar limits, periodically updated by the IRS to allow for inflation. These include high deductible health plans (HDHPs), health savings accounts (HSAs), health flexible spending accounts (FSAs), 401(k) plans and transportation fringe benefit plans. Here’s a look at what’s changing – and what’s not – next year: The…

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The Executive Order on ACA Rules – What Does It Mean?

November 2, 2017

On October 12, President Trump signed an executive order intended to change certain rules under the Affordable Care Act (ACA). The order is intended to relax regulations on association health plans, allowing individuals and small businesses to purchase health insurance policies across state lines and avoid certain ACA requirements. The ostensible effect of the order…

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Medicare Part D – Creditable Coverage

October 4, 2017

As in previous years, employers sponsoring a group health plan with prescription drug benefits must notify their Medicare-eligible employees as to whether the drug coverage provided is “creditable” or “non-creditable.” Here are the details: The term “creditable” means equal or better coverage than that provided under Medicare Part D. Medicare Part D imposes a higher…

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Back to School – The Consolidated Team’s 2017 Designations

September 27, 2017

In a recent post we discussed the continuing industry education of the professionals here at Consolidated (read it here). We know that our industry is always changing, and as a group we’re continually striving to stay ahead of the curve by attaining certifications that help us to better serve our clients. So we’re especially proud…

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Go Canada: Does Your Insurance Cover You North of the Border?

September 20, 2017

If you’re planning to travel to Canada by car, you might wonder whether your standard auto policy will apply there. And if you’ve looked around on the internet for the answer, you might be even more confused by the outdated and contradictory information. Here are some answers. For the most part, a reciprocal arrangement between…

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Pardon the Interruption

September 13, 2017

Just about every business owner has taken steps to protect themselves against losses like fire or water damage. But what if one of those happened to a key supplier or partner? Could your business – and its reputation – withstand a suspension of operations? That’s why there’s Business Interruption Coverage.  Please view the attached video for some…

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Still the Law of the Land: ACA Penalties Remain In Effect

September 6, 2017

On January 20, 2017, President Trump signed an executive order intended to “minimize the unwarranted economic and regulatory burdens” of the ACA until the law can be repealed, and eventually replaced. This action led many business owners to wonder whether the penalties imposed by the ACA are still in effect given the language of the…

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Remote Possibilities – Working from Home, Part 2

August 23, 2017

If you’re among the growing number of workers who’ve been given the opportunity to work from home, or the growing number of employers who are granting such permission, good for you: telecommuting can save a great deal of time sitting in traffic and can be a great recruiting tool for employers. Done right, a telecommuting…

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Lessons from the Outer Banks

August 9, 2017

Imagine for a moment that you’ve fulfilled your lifelong dream of launching a business at the Outer Banks of North Carolina. Maybe it’s a paddleboard rental place, or maybe you make designer cupcakes for vacationing families. Either way, you’ve done it: you’re all set up in an idyllic location with a low-stress operation to ease…

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