It is a fact that many employers actually overpay for their workers’ compensation premiums.  According to the latest reports, employers are paying around 20% more in surcharges than they need to. Most surcharges come from increases in the experience modification factor (mod). The experience mod is a factor unique to each employer. In simple terms, […]

Bonding Defined There is a big difference between a surety bond and business insurance. With church business insurance, there is a contract or agreement (the policy) between the insured and insurance company. The church business insurance policy outlines the terms of the agreement. Under the policy terms, the insurer agrees to indemnify the insured for […]

Attention Missions Leadership The Zika virus has spread to more than 33 counties and to over 4 million people according to CNN. The Centers for Disease Control and Prevention is warning pregnant women against travel to countries affected by the Zika virus.  Health officials in several of those countries are telling women to avoid pregnancy […]

There is nothing worse than having a major home fire or other loss. The second wore thing might be to have a loss then have difficulty getting your home repaired. This is especially true in areas where a major disaster has hit. Unfortunately, disaster affected neighborhoods are often targeted by some unscrupulous people who offer […]