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Sheds, Tools & Equipment: Are They Covered Under Your Home Insurance?

Sheds, Tools & Equipment: Are They Covered Under Your Home Insurance?

A well-stocked garden shed is more than just a storage space—it’s home to your tools, lawnmower, snowblower, and other valuable equipment. But have you ever wondered whether these items are covered by your home insurance? If something were to happen—like theft, fire, or storm damage—would your policy protect you?   Understanding your coverage is key […]
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Gap Coverage vs. 43 Endorsement: Understanding Your Options

Gap Coverage vs. 43 Endorsement Explained

When insuring your vehicle, it’s important to choose coverage that truly meets your needs. Two commonly misunderstood options are gap coverage and the 43 endorsement. While both protect your vehicle investment, they serve very different purposes. Let’s break them down so you can make an informed decision.   What is Gap Coverage? Gap coverage, or […]
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What to Do in a Power Outage During Freezing Winter Weather

What to Do in a Power Outage During Freezing Winter Weather

Winter storms can bring heavy snow, ice, and strong winds, all of which can lead to power outages that last for hours—or even days. When the temperatures drop, losing power isn’t just an inconvenience; it can be dangerous. Without electricity, heating systems, water pipes, and even basic communication can be affected.   Being prepared and […]
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Preparing Your Farm for Spring: A Complete Guide

Preparing Your Farm for Spring: A Complete Guide

As winter loosens its grip and the days grow longer, farmers know that spring signals more than just warmer weather—it marks the start of another busy season. Whether you run a large-scale operation, a hobby farm, or a family-owned business, getting your property, equipment, and insurance in order is essential for a smooth transition into […]
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Subcontractor vs. General Contractor Insurance: What’s the Difference?

Subcontractor vs. General Contractor Insurance: What’s the Difference?

If you work in construction, you know that every project relies on a mix of professionals, from general contractors overseeing the big picture to subcontractors handling specialized tasks. But when it comes to insurance, their needs aren’t the same.   Understanding the difference between general contractor insurance and subcontractor insurance is essential for protecting your […]
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Compensation budgets are holding steady for 2025, even as concerns over talent attraction and retention ease. Employers plan to allocate similar salary increases as in 2024, according to expert projections.

Wages Set to Reflect 2024 Levels as Labor Market Pressures Ease

Compensation budgets are holding steady for 2025, even as concerns over talent attraction and retention ease. Employers plan to allocate similar salary increases as in 2024, according to expert projections. Pay Raises Remaining Consistent Salary-increase budgets at U.S. employers are expected to stay close to 2024 levels, found Mercer’s 2025 Compensation Planning Survey. Participating organizations […]
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While no one knows what 2025 will bring from an economic point of view and there are several factors that are beyond the control of organizations, they can implement various strategies to man- age a major expense, namely healthcare.

Guide to Combating Rising Healthcare Costs in 2025

While no one knows what 2025 will bring from an economic point of view and there are several factors that are beyond the control of organizations, they can implement various strategies to man- age a major expense, namely healthcare. Healthcare Costs Continue Climbing In 2024, the average premium for family health coverage rose 4% to […]
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The U.S. Department of Labor (DOL) recently withdrew a 2021 tipped-wage rule vacated by a federal appeals court in August 2024, officially reinstating the pre-2021 regulation for tipped employees under the Fair Labor Standards Act (FLSA).

DOL Withdraws 2021 Tipped-Wage Rule

The U.S. Department of Labor (DOL) recently withdrew a 2021 tipped-wage rule vacated by a federal appeals court in August 2024, officially reinstating the pre-2021 regulation for tipped employees under the Fair Labor Standards Act (FLSA). The Now-Withdrawn “80/20/30” Rule The vacated “80/20/30 rule” outlined three work categories for tipped employees: Tip-producing work providing direct […]
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What Canada's Aging Population Means for Life Insurance

Life Insurance and Canada’s Aging Population

Canada is undergoing a significant demographic shift. With the population aged 65 and older projected to nearly double by 2050, this aging trend will have profound implications for many sectors—including life and health insurance. Understanding how these changes impact coverage, costs, and planning is crucial for individuals and businesses alike.     1. Rising Demand […]
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5-Step Guide to Life Insurance When You're Self-Employed

5-Step Guide to Life Insurance When You’re Self-Employed

Being your own boss comes with plenty of perks—flexibility, independence, and the ability to build something truly your own. But it also means you don’t have the built-in safety nets that traditional employees get, like employer-sponsored life insurance.   If you’re self-employed, securing the right life insurance policy is essential to protecting your loved ones […]
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