Let us help you understand the existing and emerging risks that can ruin your "happily ever after."


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.

Zenjuries: Your Workers’ Compensation Solution

May 17, 2018

We’re always on the lookout for resources that help our clients better manage any kind of risk, because being in control of your risk profile helps you to tell a better story to insurers. Many businesses would agree that the world of workers’ compensation insurance is among their biggest headaches. The paperwork, regulatory requirements and…

Read More

The Mod Factor: Understanding Your Workers’ Compensation

May 9, 2018

First in a series on workers’ compensation coverage The Mod Factor. Sounds like a TV show from the 1970s, but it’s really a very important term in calculating and controlling your workers’ compensation costs. The term “mod factor” is shorthand for “experience modification factor,” and it’s the number that is applied as either a credit…

Read More

Health Plan Audits: What You Need

May 2, 2018

Much as the Internal Revenue Service has the authority to audit tax returns, the Department of Labor (DOL) has a broad mandate to investigate and audit an employee benefits plan’s compliance with the Employee Retirement Income Security Act (ERISA). Audits are performed by the DOL’s Employee Benefits Security Administration (EBSA), and will often focus on…

Read More

HR Hotline: Real People, Real Answers

April 25, 2018

In a recent post we discussed MyWave Connect, our online portal for convenient access to resources on safety, compliance and much more (read about MyWave Connect here). While MyWave Connect is a vast and searchable resource, sometimes you need a little personal guidance, especially when it comes to matters of Human Resources. Chances are that…

Read More

Fringe Benefits – Tax Changes for 2018

April 4, 2018

Employers who offer fringe benefits like transportation reimbursement and meals to their employees are familiar with Internal Revenue Service (IRS) Publication 15-B – Employer’s Guide to Fringe Benefits, which offers guidance on the tax treatment of such employee benefits. The IRS recently released an updated version of Publication 15-B for 2018, incorporating tax law changes…

Read More

Making Your Day Easier

March 20, 2018

At Consolidated Insurance, our belief has always been that we best serve our clients as not just a broker, but as a partner in helping their businesses better manage their risk. To that end, we’re proud to re-introduce MyWave Connect, a time-saving online resource that puts clients in control of customized compliance information and much…

Read More

Taken for a Ride: What to Know as a Ride-Sharing Passenger

March 14, 2018

In a recent post we addressed the changing picture of liability coverage for those working as drivers for ride-sharing service like Uber and Lyft (if you missed it, read it here).  But what are the risks to passengers of these wildly popular services? The first thing to understand is that in many cases individual states…

Read More

Employment Practices Liability Insurance (EPLI)

March 6, 2018

In recent posts, we’ve focused on preventing workplace harassment claims and on addressing harassment claims when they do occur. The reality of today’s business climate is that claims regarding sexual and other types of workplace harassment are more frequent than ever. And that’s just the beginning: firms are increasingly vulnerable to litigation on a range…

Read More

New Employer Tax Credit for Paid Family & Medical Leave

February 28, 2018

The Tax Cuts and Jobs Act signed into law in December of last year creates a new business tax credit for employers that provide paid family and medical leave to employees. Here’s what you need to know: The tax credit is temporary and applies to tax years 2018 and 2019 The credit is equal to…

Read More

What You Need, When You Need It

February 21, 2018

It’s happened to every business … you’re working after hours, and you really need a certificate of insurance to wrap up the paperwork and bring in a new client. But your insurance broker is closed. Or an employee needs a new Auto ID card on a weekend, and all you can do is add it…

Read More

Educational Videos

We've selected some videos we feel are important to our clients. Let us show you the substance behind our story!

Auto Insurance Videos

Home Insurance Videos

Insurance FAQs

Find answers to frequently asked questions; or compose questions to our insurance Guru for assistance.

Consolidated provides this information for general informational purposes. Nothing on this page is intended to constitute legal advice or to address specific risk management situations. Consolidated is not responsible for any errors or omissions in these entries, nor in the source materials used to create them.