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Are your independent contractors really employees? 17 “Tests” to Decide: Employee or Independent Contractor “I don't have any employees; they are all independent contractors." “What makes them independent contractors," the agent asks. “I pay them using a 1099." READ MORE >>

How much liability insurance do you need? The amount depends on many factors. One of those factors may involve the size of your car or vehicle. When you talk to your auto insurance provider, ask questions about accidents. Find out what recommendations they make for vehicles of your size. READ MORE >>

Opioid Abuse and Addiction are a Public Health CrisisNearly 12 million people misuse or abuse opioids in the United States. AHIP's new infographic shares how we can work together, across the health system, on solutions to this extremely complex crisis. READ MORE >>

Home insurance is one of the most important investments you can make into your property. Most people who buy a home are making their largest investment in life. You take care of it. You keep it safe for your family. At the same time, you need to keep it safe from the things around it that can cause damage. READ MORE >>

The garage on many homes is the area you put things that you do not have any other use for at the moment. It is where you store things like gas for the lawnmower and extra paint from a project. Yet, it is also one of the highest risk areas in your home for fires. These fires can be devastating. READ MORE >>

Disaster Apps for Your Digital Go Bag ·         CBRNE and Hazardous Substances ·         Medical and Health Information ·         Responder Support and Safety READ MORE >>

It’s important to read all of the details in your car insurance policy as soon as you receive it. One key area to look at is who has coverage on your policy. Also, notice any excluded driver. This is a person who should not be behind the wheel of your car. If they are there, your auto insurance may not apply. READ MORE >>

Are You Prepared for an Emergency? Hurricane season is around the corner. That means it’s time to prepare your home, car, and loved ones for any potential emergencies. READ MORE >>

The biggest factors impacting how much you pay for auto insurance are you and your driving habits. However, other factors can impact what you pay. If you live in a high-risk area, the insurance company may raise your costs. In some situations, this is nothing you can change. READ MORE >>

10 Risk Management Priorities for 2019 By Elana Ashanti Jefferson | May 03, 2019 at 12:00 AM   Businesses that thrive in 2019 and beyond pair robust data with “alternative risk solutions,” according to the 16th Annual Excellence in Risk Management report relea... READ MORE >>

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