September 17, 2019

The Benefits of Listening to Podcasts


Podcasts have been around for some time now, but I’ve been late to jump on the train of making them a part of my daily life. Recently, I have started listening to podcasts, and I have realized how much I enjoy them. There is so much out there to learn about! Podcasts offer a vast amount of topics and for the most part, they’re free! There truly is something out there for everyone. In fact, as I’m writing this blog, I’m listening to a podcast! Podcasts are great to listen to when you have free time when you would usually … Continue reading

September 10, 2019

Employment Practices Liability Insurance Basics


Employment Practices Liability Insurance, often called EPLI, is a coverage that has become more popular in recent years.  Part of the reason for the increase in popularity is due to the growing amount of lawsuits in our country for matters including wrongful termination, sexual harassment, discrimination, invasion of privacy, breach of contract, emotional distress, and more.  Those issues and cases have grown large in the public eye, with employers often assumed as the guilty party. One way to protect your business from a claim like this is to have an EPLI policy in place.  EPLI policies provide financial protection to … Continue reading

August 29, 2019

VAST Named Top Insurance Workplace for Second Year


VAST is proud to announce that they have been recognized as a Top Insurance Workplace for 2019 by Insurance Business America (IBA). This is the second year of IBA’s Top Insurance Workplace list and the second year VAST has been named. IBA’s Top Insurance Workplace nomination process is heavily dependent on an anonymous employee survey. A minimum number of employee responses, and an 80% or greater employee satisfaction rating determines the Top Insurance Workplace recognition. VAST is just one of 53 companies on IBA’s 2019 Top Insurance Workplace list that includes other insurance agencies, brokers, and carriers from around the … Continue reading

August 28, 2019

The Ins and Outs of Directors & Officers Liability


Mismanagement. Bankruptcy. Financial mishandling. Employment discrimination. If you are in the position to make decisions in your business, you could be held personally liable for the consequences of those decisions, no matter how good your intentions were at the outset.  Any party who holds an interest in the company and believes they were hurt based on your decision can expose the possibility of legal action.  This kind of situation can become very costly very quickly.  Events such as change of control in a company, dishonesty of a director or officer, dramatic change in share value, boardroom disputes, and poor trading … Continue reading

August 13, 2019

Preparing Your Business for Extreme Weather


Hurricanes, tornadoes, blizzards, wildfires, flooding, wind storms, and overall severe weather has affected millions of people and all kinds of businesses throughout the U.S. economically and logistically in the past decade. According to NOAA’s National Centers for Environmental Information, 2017 was the costliest year on record for weather-related disasters, which included 16 different billion-dollar disaster events that resulted in over $300 billion in losses. So far for 2019, as of April 9, we’ve already experienced 2 events exceeding $1 billion in costs in the U.S. Extreme weather events are unfortunately becoming the norm, and it is important to know what … Continue reading

August 13, 2019

Understanding Your Health Insurance Plan During Pregnancy


If you are currently expecting a baby, it’s important to understand your health insurance policy. Having a child is expensive, but knowing what you should/shouldn’t have to pay out of pocket for is extremely important. In this blog post I will provide a list of noteworthy benefit plan questions to look into to better understand what will/will not be covered: 1. What is your policy’s deductible, coinsurance, and out of pocket maximum? 2. Are your doctors and hospital in or out of network with your insurance provider? 3. If you have an HMO policy, do you need a referral from … Continue reading

August 13, 2019

Preparing Your Business for Extreme Weather


Hurricanes, tornadoes, blizzards, wildfires, flooding, wind storms, and overall severe weather has affected millions of people and all kinds of businesses throughout the U.S. economically and logistically in the past decade. According to NOAA’s National Centers for Environmental Information, 2017 was the costliest year on record for weather-related disasters, which included 16 different billion-dollar disaster events that resulted in over $300 billion in losses. So far for 2019, as of April 9, we’ve already experienced 2 events exceeding $1 billion in costs in the U.S. Extreme weather events are unfortunately becoming the norm, and it is important to know what … Continue reading

August 8, 2019

Summer Safety Tips


With the Fourth of July in our rear view mirrors, it is safe to say we’re in the Dog Days of Summer! Summer is such a great, fun time of the year, but there are important things to remember to be sure everyone has an enjoyable time without any of the dangers the warm months can bring. Stay hydrated. Water is such a simple, vital part of life, and in the summer it’s even more important! It may sound silly, but plan your water. Be sure to pack enough for whatever your outdoor adventure may be, and plan your water … Continue reading

July 18, 2019

Visiting the Emergency Room vs. Urgent Care.


It’s flu season, and you have unfortunately come down with the dreaded sickness. You have been fighting body aches, fever, and nausea that won’t cease, and are unable to get in with your primary doctor.  This is a common situation that many of us run into, and the question is always “Should I go to the urgent care or emergency room?”  It’s important to understand the difference between the two, which can possibly save you money and time in the long run. An urgent care facility specializes in treatment of minor to moderate medical symptoms. In most cases you will … Continue reading

July 2, 2019

What are Essential Health Benefits?


You may have heard the term “Essential Health Benefits” used in discussions regarding health insurance, however, you may not know what it refers to. Per the Affordable Care Act, there are a list of services that are required to be covered. These services include: Outpatient Services Emergency Services Hospitalization Maternity and newborn care Mental health and substance use disorders (including behavioral health treatment) Prescription drugs Rehabilitative and habilitative services and devices Laboratory services Preventive and wellness services and chronic disease management Pediatric vision To receive additional information on how these benefits will be covered under your policy, please consult with … Continue reading

Our foundation may be insurance, but we have evolved and so have the solutions that we provide.

Complimentary Quote