Childcare/Daycare

What Do Insurance Companies Do With My Money?
It is pretty simple. Insurance companies need to pay less than 60% in claims and need high-performing investments to stay afloat.

Do Insurance Companies Offer Starter Rates?
Discounting happens in many businesses, but this strategy is unwise for an insurance company. Learn why you shouldn’t be concerned about “starter rates”.

I Don’t Have Claims! Why Is My Rate Going Up?
Why do my rates go up when I don't have any claims? Insurance companies raise rates to cover the cost of their overhead and the increase in the...

Will Filing A Claim Affect My Rates?
Let me first split this question into categories. For personal home and auto insurance, the rates are dictated mainly by algorithms. Some...

What are Special Perils?
Insurance companies define the types of property claims that your policy will cover. There are two ways they can set up the program. Your insurance...

Workers’ Compensation Costs Rise Due to Physician Services
A recent report by the National Council of Compensation Insurance (NCCI) found that physician services, specifically physical medicine, are key...