Entries by kingsgateinsur

What is a Formulary?

A formularyis a list of prescription drugs that are approved for use within a specific health plan. Formularies categorize drugs into different tiers or levels, often referred to as ‘tiers.’ Each tier has a different level of coverage and cost-sharinglike copayments, coinsurance, or deductibles. Drugs in the lower tiers generally have lower out-of-pocket cost, while […]

Farm Insurance 101: Farm Equipment Coverage – Cab Glass

Your farm relies on a multitude of interconnected components to maintain its progress. It’s vital that any unforeseen events don’t halt your entire operation due to isolated incidents. Supplementary insurance options for farm equipment offer you added ways to safeguard your investments, ensuring a swift return to normalcy after unexpected setbacks. Coverage for Farm Machinery […]

Fire door maintenance

Commercial building owners typically have a schedule and routine for maintaining their building’s sprinkler system and fire extinguishers. But fire doors are also very important for containing the damage from a fire and require maintenance to ensure they function properly. Routinely ensuring fire doors are working properly will go a long way toward minimizing building […]

Understanding your car’s assist technology and tips for keeping the sensors clean

Technological advancements have made our cars more sophisticated. However,  keeping the sensors clean during winter is vital to ensuring the systems function correctly. Here’s a list of sensors your car may have: 1. Forward Collision Warning System (FCW). Car manufacturers have done an excellent job installing the sensors, so it may take a couple of strolls […]

In-Network vs Out-of-Network

In-network providers are healthcare providers & facilities that have a contractual agreement with a specific health insurance company. The agreements outline the terms and rates for the services provided. In-network providers are healthcare providers & facilities that have a contractual agreement with a specific health insurance company. The agreements outline the terms and rates for […]

Farm Insurance 101: Farm Equipment Coverage – Rock Ingestion

The progress of your farm hinges on a complex web of interdependent components. Ensuring that unforeseen circumstances don’t bring your entire operation to a standstill is of utmost importance. Additional insurance choices for your farm equipment provide extra avenues to protect your investments, guaranteeing a prompt return to normal operations following unforeseen challenges. Coverage for […]

Four benefits of a furnace inspection

At this time of year, many things start to be added to our “To to-do list” to prepare for winter. Raking leaves, cleaning gutters, disconnecting hoses, and ensuring the snow blower starts are just a few. What about having your furnace inspected? Now is the time to schedule your appointment. We’ve all seen the news […]

Preventing accidents at work by staying awake and alert

All employees have lives outside of their workplaces that can result in them not getting enough sleep. Children or other family obligations, evening activities, or insomnia can result in an employee not being fully rested at work. A 2018 survey by the National Safety Council found that 69% of workers reported being fatigued at work. For office […]