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PPACA Individual Mandate Upheld by Supreme Court On June 28, 2012, the U.S. Supreme Court issued a 5-4 decision ruling that the mandate for every American to have health insurance was constitutional. This means that beginning in 2014, everyone will be required to have health insurance,...

04 January, 2015

The health reform legislation – called the Patient Protection and Affordable Care Act (PPACA) – signed into law on March 23, 2010 enacted significant changes in how Americans will purchase and utilize health insurance and health care for the next decade. This legislation will affect...

17 December, 2014

Due to the increasing number and cost of employee discrimination and wage and hour claims many insurers are planning changes to their employment practice liability policies for 2013. The EEOC received 99,947 complaints of workplace discrimination in 2011, the highest number ever reported. Religious discrimination...

10 December, 2014

Here are a few ways you can lower your Worker’s Compensation Insurance costs: Loss Control and Safety is critical for preventing losses in the workplace. Remind employees of safe practices including lifting, cutting, and the hazard of wet floors. Periodic safety meetings and incentive programs should...

03 December, 2014

This is copied direct from The National Restaurant Association: To remain competitive in the restaurant industry, your online reviews must be strong and current. To get new customers to come in and old customers to sing your praises, you need proactively manage your online reputation. Consider that 85...

26 November, 2014

According to research group Technomic Inc, restaurants that want to attract younger customers (millennials, born 1977 to 1992) should consider online menus. Nearly 60% of its survey respondents in that age group said they look up restaurant offerings online and 32% said they check menus...

12 November, 2014

If you have a business that is entrusted with your customer's personal information, such as credit card information, then you are at risk if that information is compromised. Damages can include: Direct money damages for ID theft Breach of privacy Coverage for expenses resulting from a breach of...

12 November, 2014

Commercial property policies are very comprehensive but there are a number of things that are not covered by the standard policy. Coopers Insurance may be able to help fill these coverage gaps. Contact us before an incident happens so we can make sure you have...

06 November, 2014

Commercial property coverage protects the physical assets of your business. Whether it is a small mishap such as minor wind damage or a major event like a fire, the effect on your business can be huge. Following are some things to consider when reviewing your...

01 November, 2014

The recent storm on the East Coast reminds us all that the time prepare for an emergency is before it happens. A family emergency kit is an essential part of planning ahead. FEMA offers a great basic disaster supply kit on their website: http://www.ready.gov/basic-disaster-supplies-kit. In...

01 November, 2014