Tips for Motorcycle Road Trips - Shield Insurance Agency Blog

Tips for Motorcycle Road Trips


Foremost Insurance Group

Before heading out on motorcycle road trips, make sure you and your bike are ready!

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Save Money On Renters Insurance - Shield Insurance Agency Blog

Save money on renters insurance

Top ways customers say they’ve saved money on renters insurance


Buying renters insurance isn’t always considered a priority by renters. Some might not even consider it if the rental agreement doesn’t require it. The good news is that renters insurance is generally very affordable and easy to obtain.

As noted, it is now frequently a requirement to show proof of an active renters insurance policy when you sign a lease agreement.

Even though renters insurance coverage is very affordable, you still want to make sure that you’re getting the best price for the coverage that you need. If you want to know how to save on renters insurance, this post has some valuable tips from the best source — renters themselves.

Clearsurance looked at reviews and compiled this list of the top ways customers say they save money on renters insurance. These renters insurance tips from actual customers can guide anyone who is looking for cheap renters insurance for apartments or other rental properties.

Tip 1: Ask about renters insurance discounts

There are a lot of discounts available to renters, including some that you might not even realize can help you save money. For example, when you move into an apartment, you might think that the sprinklers or other fire suppression systems in your apartment are there to protect your landlord’s property, such as the building structure.

However, since these systems are effective at putting fires out quickly, they protect your personal property too, so many insurers will discount your renter’s insurance if your apartment or rental unit is equipped with them.

The same goes for other systems that may be installed by your landlord, such as security systems and alarms.

Even information such as the building’s construction and the materials it is made from can make you eligible for discounts, so don’t be afraid to ask your insurance company about discounts.

Here’s what one customer learned about Lemonade renters insurance:

“Best customer service ever! My lemonade policy barely costs a fast food meal a month. It’s so cheap. My property required renter’s insurance (which I really did not want at the time – I thought it was pointless, what could happen to me – right?!) I found lemonade online and chose them due to their great rates. I got a lot of discounts because I have a security system in my apartment and my complex has fire sprinklers in every room, fire alarms in every room, and smoke detectors in every room.” – sam1, Lemonade Customer Reviewer (Read the full review here.)

Tip 2: Regularly review your pricing

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Healthcare.gov Encouraging Latino Enrollment

HHS Announces Partnerships to Encourage Latino Enrollment through HealthCare.gov

Today, Department of Health and Human Services (HHS) Secretary Xavier Becerra announced commitments from national organizations to support Latino outreach and enrollment efforts during the current Special Enrollment Period (SEP) made available on HealthCare.gov by President Biden due to the COVID-19 Public Health Emergency. As part of the Latino Week of Action, April 18 – 24, these organizations and HHS will share information with Latino consumers and use social media to encourage them to enroll in affordable, quality health plans through HealthCare.gov.

“Helping communities take advantage of reduced costs on quality health care coverage is a priority for this Department. In addition to putting our money where our mouth is, we are partnering with key organizations representing the Latino community to engage their knowledge and network to promote enrollment in quality, affordable health insurance coverage during this Special Enrollment Period,” said HHS Secretary Becerra. “To the many Latinos who may have lost health care coverage during the pandemic, I am here to tell you that ‘help is here.’ Health care coverage is more affordable for people and assistance is available if you need help finding a health plan that best meets your needs.”

To read the HHS press release in Spanish, visit:
https://www.hhs.gov/about/news/2021/04/19/hhs-announces-commitments-from-partners-to-encourage-latino-consumers-es.html

To read the HHS press release in English, visit:

https://www.hhs.gov/about/news/2021/04/19/hhs-announces-commitments-from-partners-to-encourage-latino-consumers.html

Health Insurance Marketplace sent this bulletin at 04/19/2021 02:05 PM EDT


Contact Carlos Garcia, Health Insurance Specialist with
Shield Insurance Agency if you need assistance signing up.

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Anchoring Your Mobile Home - Shield Insurance Agency Blog

Anchoring Your Mobile Home Video

Is your mobile home anchored and secured? Here are some great tips on anchoring your own mobile home! Shield Insurance Agency represents almost 40 insurance companies and will work to find you the best price for the most insurance. Call or Text 616.896.4600 for a free quote today!

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Shield Insurance Video - Groceries - Shield Insurance Agency Blog

Groceries Video

Remember the time when you tried to carry all the groceries inside with only one trip? Yep, people are busy. Shield Insurance Agency represents almost 40 insurance companies and will work to find you the best price for the most insurance. Call or Text 616.896.4600 for a free analysis and quote today!

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New Ways to Save on Health Insurance - Shield Insurance Agency Blog

NEW Ways to *Save* on Health Insurance!

New *Health Insurance Subsidies* Available Now at HealthCare.gov; Department of Insurance and Financial Services Ready to Answer Questions About New Opportunities to Save on Health Insurance

Media Contact: Laura Hall, 517-290-3779, halll17@michigan.gov
Consumer Hotline: 877-999-6442, Michigan.gov/HealthInsurance

Call or Text (616) 896-4600 to sign up for health insurance TODAY!

FOR IMMEDIATE RELEASE: April 1, 2021

(LANSING, MICH) New Health Insurance Marketplace subsidies that will help more Michiganders afford health insurance are available now on HealthCare.gov. The increased subsidies are part of the American Rescue Plan, which was signed into law in March.

“With these increased subsidies, working families’ monthly savings could be substantial, but the sooner you start the process the more you could save overall,” said Governor Gretchen Whitmer. “A family of four making $120,000 per year could save approximately $259 per month, while a 60-year-old married couple could save as much as $943 per month for the rest of 2021. Getting started today ensures that you and your family have the health coverage you need while saving the most money possible on your coverage.”

The Health Insurance Marketplace and application process, available at HealthCare.gov, has been updated to reflect both the extended special enrollment period and the newly expanded tax credits from the American Rescue Plan. Michiganders who need Marketplace health coverage should start a Marketplace application by visiting the Health Insurance Marketplace or by calling 800-318-2596 (TTY: 1-855-889-4325). Coverage will start on the first of the month after a plan is selected, so coverage will start May 1 for plans selected in April.

Consumers who already have a Marketplace plan should return to the Marketplace and update their 2021 application to see if they qualify for expanded tax credits and take immediate advantage of the higher subsidies. Individuals who choose not to revisit their application will not be able to lower their monthly health coverage premiums this year and will have to wait until they file their 2021 tax returns in 2022 to get the expanded tax credits for which they qualify. Consumers should know that selecting a new plan under this extended special enrollment period may trigger a reset of their annual deductible for 2021.

“Overall, an estimated 67,000 uninsured Michiganders now qualify for lower-cost coverage, and approximately 16,000 should be eligible for no-cost coverage through these increased subsidies,” said the Michigan Department of Insurance and Financial Services (DIFS) Director Anita Fox. “If you’re unsure how to start taking advantage of these new opportunities, Shield Insurance Agency and DIFS is here to help through our live call center, by email, or with our online resources.”

DIFS can help consumers with health insurance questions and complaints and can provide information about the Health Insurance Marketplace Special Enrollment Period that is now open through August 15. For more information, including a schedule of upcoming virtual health insurance town halls from DIFS and the Michigan Department of Health and Human Services, consumers should visit Michigan.gov/HealthInsurancecontact DIFS via email, or call 877-999-6442 Monday through Friday 8 a.m. to 5 p.m.

The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit Michigan.gov/DIFS or follow the Department on FacebookTwitter, or LinkedIn.

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Source: https://www.michigan.gov/

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How to Qualify for a Small Business Loan - Shield Insurance Agency Blog

How to Qualify for a Small Business Loan

How to Qualify for a Small Business Loan and Fund Your Big Idea

These small business loans vary from $500 to $5.5 million, which provide a range of financial support to entrepreneurs.

By Katelyn Chef March 18, 2021

If the past year has proven anything, it’s that small businesses are resilient to fluctuating markets. In the past, you’ve applied for student loanscar loans, and other smart financial responsibilities as ways to make your way through life. However, as an entrepreneur, have you considered applying for a small business loan to sustain your business in this difficult time?

If not, now may be the time to do so. Small business loans (SBA) aim to provide capital to small businesses just starting. These types of loans are supported by the government, deeming them less of a gamble, and Colleen McCreary, chief people officer of Credit Karma, advocates that these are a good option. “SBA loans offer competitive terms, lower down payment requirements, and resources that can help you run your small business,” she explains.ADVERTISING

Here’s what you need to know about small business loans and how to apply for one, according to McCreary.

When to Apply

Aside from securing capital for your new business, one of the main benefits of an SBA loan is that you can conceivably secure funding from an SBA lender when other banks have denied your requests. According to McCreary, you can qualify rates similar to equivalent non-SBA loans, too. Of course, there are other factors to take into consideration when applying for loans like these. “SBA loans have strict qualifying requirements,” shares McCreary. “For example, if you’re a startup, you should have experience in the type of business you want to start. And for a new business, you should have cash on hand or business assets to the tune of around $1 for every $3 you want to borrow. Some SBA loans have prepayment penalties.”

That means it’s essential to have a clear financial plan for your business already in place. “The smaller your loan, the higher your interest rate might be,” she continues. “The SBA allows lenders to charge the prime rate plus 2.25 percent for loans of more than $50,000 maturing in less than seven years. However, for loans of $25,000 or less maturing in less than seven years, the cap is the prime rate plus 4.25 percent.”

Steps for Application

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Injured Worker Advocacy Matters - Shield Insurance Agency Blog

Injured Worker Advocacy Matters

3 reasons why injured worker advocacy matters

INJURED WORKERS COMP TRENDS  •  3 MIN READ

Experiencing a workplace injury is understandably stressful for any employee and trauma can be exacerbated when employers focus on medical costs and missing staff hours instead of the employee’s well-being. With today’s advocacy-based worker’s compensation model, however, employers are seeking to fix this inherent conflict, with many now intent on changing the relationship – from adversary to advocate.

“The way you treat an injured worker can have a material impact on the life of the claim,” says Wesley Hyatt, Senior Vice President, Workers Compensation Claims, Liberty Mutual Insurance, and Helmsman Management Services LLC. “Injured worker advocacy is a mindset that starts with the goal that ‘we’re here to help this injured person’ versus just moving claims along by checking boxes.”

Here are three reasons why injured worker advocacy is driving a paradigm shift in how forward-looking employers manage the claims process.

1. Open communication builds trust and confidence in the process

Creating consistent, clear, and open communication in a way that puts an injured worker’s needs first is a key part of the advocacy approach. Every outreach should reassure injured workers that their claims and clinical teams are working in their best interests. After all, along with recovering from the injury, an employee must also work through the complex worker’s compensation (WC) claims process – often for the very first time.

To achieve the goal of open communication, employers are changing the language used throughout the process to eliminate jargon and replace negative wording with positive terms. For example, “covered” is now substituted for “compensable,” and “claims examiner” is replaced by “claims representative.”

Another example of improving the employee experience is Liberty Mutual’s SmartVideo, a personalized, two-minute video that’s automatically sent via email to an injured worker whose claim meets certain WC criteria. Accessible via computer, tablet, or mobile device, the video outlines important claims information and available tools.

“The idea is to expand on the human connection between adjuster and worker, alleviating an employee’s stress and fears of the unknown,” Hyatt says. “It’s not just about what you say, but how you say it and deliver it.”

The takeaway: the tone used and ease of information provided from the very first contact with an injured worker sets the course for the entire claim.

“The way you treat an injured worker can have a material impact on the life of the claim.” – Wesley Hyatt, Senior Vice President, Workers Compensation Claims

2. Responsive follow-up leads to faster return-to-work

With data showing that as many as 18% of injured workers never reach the ability to return to work in the same capacity, connecting frequently with progress check-ins and additional resources can inform a proactive – and realistic – post-recovery evaluation.

Anticipating a worker’s needs in a holistic way demonstrates that their well-being is a priority, says Debbie Michel, Executive Vice President, National Insurance Risk Management, Liberty Mutual Insurance. “Think about the whole person, not just the specific injury,” she says.

3 Reasons Why Injured Worker Advocacy Matters, Shield Insurance Agency Blog

“Anticipating a worker’s needs in a holistic way demonstrates that their well-being is a priority.” – Debbie Michel, Executive Vice President, National Insurance Risk Management

Nurse case managers can use motivational interviewing and therapeutic listening to help identify other factors that may affect an employee’s return to work – and coordinate additional services if needed.

Another way to reinforce employer support is by empowering the employee with a range of choices, Michel says. Options can include a gradual part-time to full-time transition, providing temporary limited duty or alternate work tasks, and temporarily working remotely.

The takeaway: returning to work full time after an injury doesn’t always have to be an all-or-nothing proposition. Keeping an injured worker engaged and empowered through the recovery process can strengthen the employer-employee relationship and better prepare for a successful return to work plan.

3. Compassionate strategies improve overall claims outcomes

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