Many manufacturing facilities use welding and hot work in their operations. Hot work includes welding, cutting, brazing and soldering, and grinding. Welding workstations can be a serious fire hazard if not set up and used properly. On average, more than 4,500 structure fires, resulting in about $480 million in property damage are started each year […]
Camping is a great way to spend time with family and friends. There are also several benefits associated with camping, including: Making sure your camper is properly insured can also reduce stress in the event you need to file a claim. Even though summer is winding down, it’s never too late to review your insurance […]
An Explanation of Benefits (EOB) is a document the health insurance provider sends after a Doctor’s appointment. EOB’s typically generate 4-6 weeks after the appointment and are available online and/or via mail. It outlines the details of the services received and breaks down the costs associated with them. One of the main purposes of an […]
If you enjoy spending time in your yard, you know how frustrating it can be when it’s invaded by bugs. Annoying mosquitos and other bugs can turn a fun time into a miserable one. Not only can they be a nuisance, but they can pose health risks or damage your plants. Here are some things […]
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 […]
A copay, short for copayment, is a fixed amount of money that individuals are required to payout-of-pocket for certain services or prescriptions. A copay is a form of cost-sharing betweenthe patient and their insurance provider. The amount varies depending on the specific services,such as doctor visits, specialist consultations, medications, or medical procedures. When do copayments […]
When it comes to farm insurance, it’s important to grasp the different categories of insured individuals. Named Insureds These are the people or organizations who are issued an insurance policy. It could be an individual farmer, a partnership, a corporation, or any other legal entity related to the farm. The policy can have multiple named […]
On July 4, 1776, the Declaration of Independence was approved by the Continental Congress. This great document declared our independence from Great Britain. Since then the Fourth of July has been a federal holiday, allowing us to enjoy time with our families, friends, neighbors, and pets. Common traditions include fireworks, barbeques, picnics, concerts, and ceremonies. […]
The Fourth of July is my favorite holiday because it means getting together with family and friends. Independence Day celebrations often include parties, grilling, fireworks, swimming, and boating. When the sun goes down, magnificent fireworks displays can be seen for miles. While these activities can be fun and create many great memories, they can also […]
The deductible is the amount an individual must pay out of their pocket before Insurance will share thecost. The coinsurance is a percentage of total charges that YOU and the insurance company pay forcovered services after the deductible is met. The out of pocket maximum (OOPM) is anything spent outon your own pocket (not premium) […]
