Skip to content


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.

Too Small to Be Hacked? Think Again!

November 17, 2021

In our discussions with business owners we often run across this common misperception: “We’re too small to be hacked. Ransomware attacks go after the places with big money.” That’s simply incorrect. Ransomware actors, like most thieves, go after the easiest targets. Small businesses often don’t have the time or budget to spend on cybersecurity as…

Read More

Malicious Data Breaches Increased 55% in 2020

September 28, 2021

The number of malicious data breaches increased 55% from 2019 through 2020, driven by several high-profile breaches, according to Advisen data. This spike reverses the downward trend in the previous few years, as bad actors searched for more lucrative options—namely ransomware. Time will tell if the spike in malicious data breaches during a period dominated…

Read More

Going for the Gold: Ransomware Attacks at an All-Time High

August 10, 2021

From the department of “records we didn’t want to see broken” comes this bit of news: The 4th quarter of 2020 brought a new high in the number of ransomware attacks. As you probably know, the sudden shift to a work-from-home (WFH) environment as a result of the pandemic created a huge range of security…

Read More

The American Rescue Plan’s COBRA Subsidy: Questions Answered

August 4, 2021

Among its many other provisions, the American Rescue Plan Act (ARPA) included a subsidy for continuing health care coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). The ARPA subsidy covers 100% of COBRA and state mini-COBRA premiums from April 1st through September 30 of 2021, for certain individuals whose work hours were…

Read More

Your Commercial Property Insurance Rating: How to COPE

July 21, 2021

Rating commercial properties for insurance purposes is complex work done by experienced underwriters. While you’ll probably never need to have that level of knowledge, a basic understanding of how properties are rated is useful, especially if you’re considering multiple options for the next location of your business. Let’s take a look: The first decision an…

Read More

Preventing Surprise Billing: What You Should Know About the New Rule

July 15, 2021

On July 1, the Biden-Harris Administration issued an interim final rule titled “Requirements Related to Surprise Billing; Part I” in an effort to address unanticipated out-of-network health coverage charges. While the rule is not yet law, it will take effect on January 1, 2022, following a comment period. Also known as an unexpected balance bill,…

Read More

2021 ACA Reporting – Draft Forms Released

June 15, 2021

The Internal Revenue Service (IRS) has released draft versions of several 2021 forms related to reporting required by the Affordable Care Act (ACA). Here’s a brief overview: The forms apply to Internal Revenue Code Sections 6055 and 6066. Draft forms 1094-B and 1095-B will be used by providers of minimum essential coverage (MEC). Those include…

Read More

HR Hotline – Real People, Real Answers

June 9, 2021

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

Read More

Hammered by Lumber Prices: Is Your Homeowners Coverage Affected?

June 3, 2021

By now you’ve heard about the surge in pricing for lumber and other building materials. How bad is it? The National Association of Home Builders reports overall increases of more than 300% since last year. Several factors have combined to create this perfect storm of spiraling costs: Stuck at home during the pandemic, many people…

Read More

HSA/HDHP Limits Changing for 2022

May 26, 2021

Each year the IRS is required to publish inflation-adjusted contribution limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) by June 1. Revised limits for calendar year 2022 were released on May 10. Here’s a brief summary of the changes to contribution limits: For eligible individuals with self-only coverage, the HSA contribution…

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

Home Insurance

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.

Skip to content