Iowa Non Election of Workers Compensation

In Iowa, the state law allows the following entities to elect to not be covered by workers compensation. A Proprietor A Limited Liability Company Member A limited Liability Partner A […]


From an insurance buyer’s perspective, it can sometimes feel as if premium prices change on a whim. But the truth is that the insurance market is cyclical in nature, fluctuating […]

Winter Storm Preparedness

As we prepare for this holiday weekend our first Winter Storm is upon us. The first storm of the season typically brings about a variety of claims for our clients.  […]

8 ways to save on Auto Insurance

Rising premiums may leave you wondering what you can you do to save money on auto insurance. While you can’t control all of the factors influencing your premiums, there are […]

5 ways to cut your healthcare costs

Chances are you or your company is struggling with what to do with the benefit plans offered by your company for 2019.  There are so many questions. How can I […]

OPEN ENROLLMENT – Required Notices – 2019

Employers that sponsor group health plans should provide certain benefit notices in connection with their plans’ open enrollment periods. Some of these notices must be provided at open enrollment time, […]


IF YOU THINK YOUR FARM LIABILITY OR BUSINESS LIABILITY COVERS POLLUTION – THINK AGAIN. Almost every business deals with pollutants of some kind, especially when you consider that the term […]

5 Reasons Your HDHP will FAIL

I love HDHP’s, or high deductible health plans.  I think they are great.  I find they are easy to understand, provide lower overall costs, and offer huge tax benefits!  What’s […]

Supporting Employees with Cancer

Many people with cancer desire a strong support system and a sense of normalcy while battling their disease. The workplace can be a great source of support for an employee […]