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Rising Healthcare Costs: What Higher Premiums Mean for Employers

Rising Healthcare Costs: What Higher Premiums Mean for Employers

Why Premiums Are Soaring Employers are seeing group health plan costs climb faster than almost any other business expense. Prescription drug prices have skyrocketed, particularly for biologics and specialty drugs that can cost tens of thousands of dollars per patient each year. Hospitals and outpatient treatments are charging more as they face staffing shortages and […]
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Group Health Premiums on the Rise: What Employers Need to Know

Group Health Premiums on the Rise: What Employers Need to Know

In 2025, rising group health premiums are becoming a central concern for employers. Carriers like UnitedHealth, Anthem, and CVS Health have issued projections showing significant cost increases—driven by escalating claims severity, specialty drug costs, and continued labor shortages across provider networks. These group health premium hikes pose challenges to affordability and enrollment, particularly for small […]
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How to Lower Your Insurance Premiums: Practical Tips That Work

Lower Insurance Premiums: Practical Tips

Auto insurance is a necessity, but that doesn’t mean you have to pay sky-high premiums. By making a few smart adjustments and taking advantage of available discounts, you can significantly reduce your auto insurance costs without sacrificing coverage. Here are some practical tips to help you lower your premiums.   Shop Around for Better Rates […]
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In Workers' Compensation, the reality is that the E-Mod score determines the majority of the annual premium, rather than the non-disputable rates assigned by the NCCI for each class code. Which is to the benefit of savvy companies that understand how the EMOD score works and know how to control it.

Workers’ Compensation Rates Drop, Yet Premiums Remain Unchanged

Misprint? Typo? No. In most purchasing scenarios across America, a favorable rate typically means a favorable price. Consider these everyday examples: A 3.5% interest rate on a mortgage results in lower payments compared to a 4.5% rate. Lower rates on general liability, auto, or home insurance equate to lower annual premiums. Businesses pay less for […]
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How to Lower Your Insurance Premiums: Practical Tips That Work

How to Lower Your Insurance Premiums: Practical Tips That Work

Auto insurance is a necessity, but that doesn’t mean you have to pay sky-high premiums. By making a few smart adjustments and taking advantage of available discounts, you can significantly reduce your auto insurance costs without sacrificing coverage. Here are some practical tips to help you lower your premiums. Shop Around for Better RatesOne of the […]
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Ways to Lower Your EV Insurance Rates & Save More

Insurance Premiums: Electric Cars vs. Gasoline Cars

As electric cars continue to gain popularity, many prospective buyers are curious about how these vehicles stack up against traditional gasoline cars, especially when it comes to insurance premiums. While electric vehicles (EVs) offer environmental benefits and potential fuel savings, their insurance costs can sometimes be higher. Let’s delve into the key factors that influence […]
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How Autonomous Vehicles and Self-Driving Features Are Shaping Risk and Premiums

How Autonomous Vehicles and Self-Driving Features Are Shaping Risk and Premiums

The rise of autonomous vehicles (AVs) and self-driving features are transforming the auto insurance industry. At Duliban Insurance, we recognize these changes and provide tailored solutions, including our specialized electric vehicle insurance. Let’s explore how AVs are influencing risk assessment and premium calculations, ensuring that you stay informed and protected. 1) Risk Assessment Minimized Human ErrorOne of […]
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