Entries by Tosten

Giving Back

Do you know how we get paid? Have you ever thought about that? Are you reading this but aren’t OUR client? Then you REALLY should pay attention. Insurance brokers are paid a percentage of the premium you pay. Think about that for a minute… The commission rate is set and isn’t typically negotiable with the […]

EPLI Insurance Coverage Options in Alaska

Do you have employees? Then you need Employment Practices Liability Insurance. EPLI covers businesses against employees who claim that their legal rights as employees have been violated whether intentional or not. The number of EPLI lawsuits is staggering.  You don’t have to be a large corporation to be at risk. Even with one employee, you […]

FREE HR Benefit Admin Platform – Giving Back

Did you know we give our business clients an HR Benefit Admin/Enrollment platform for FREE? No cost. Zippo – none!  How DOES an insurance agency give back to the community?  This is one of the ways – by providing free technology tools to put an end to the paper chase and allow companies to administer all things HR […]

Preventative Medical Care

Did you know your health insurance offers preventative services for FREE – that’s right! There is a whole list of preventative services that you can get for FREE as long as you are seeing a provider who is contracted with your insurance carrier (in-network). What are these services? The list is extensive. Check with your […]

Understand Your COBRA Benefits

Don’t say NO to COBRA right away! COBRA beneficiaries have 60 days to decide whether they want COBRA coverage. If you enroll in COBRA before the 60 days are up, your coverage is then retroactive, as long as you pay the retroactive premiums. This means that if you incur medical bills during your “election period,” […]

What Is Replacement Cost Coverage?

What is “Replacement Cost”? One of the most important distinctions you’ll need to know as a homeowner is the difference between replacement cost and market value. Why? Because if you insure your home based on its market value – i.e., its selling price – you may be insuring it for just a fraction of what […]

Understanding Personal Umbrella Insurance in Alaska

CONSIDER THIS SCENARIO: One of your children’s friends is using your hot tub, slips and falls, and severely injures themselves. While you did not intend for this to happen, you could be held personally liable for this child’s injury and the resulting damages could quickly exceed your insurance limits. Accidents happen. Unanticipated events—such as auto […]

Assigned Risk Pools – What You Need To Know

No POOL for you! The Assigned Risk Pool was established by each state to make sure employers could obtain workers compensation insurance even if standard market insurance companies were not willing to provide coverage for their business. Assigned Risk Pool rates are HIGHER than those for the same classification codes in the standard market. Assigned […]

Insurance Coverage For Dog Bites in Alaska

Many people are taking advantage of the longer summer days by spending time outdoors with their pets. If you are a dog owner, that may mean that your dog is out around more people. What happens if your dog bites someone? Do you know if you are covered? Most homeowner insurance policies cover dog bites […]