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As a small business owner, you re always looking for ways to save money. Some employers have found that buying cheap group health insurance is one way to go. And while this has its upside, you should be careful, because it could also throw your employees into a health crisis scenario.

For many employees in Dallas, Houston or throughout Texas with no health insurance, a policy known as “Limited Benefit” sounds like an appealing choice. Premiums are as low as $10 a week. But there s a big catch: these policies pay as little as $1,000 a year or $10,000 for a lifetime - so little that some health insurance experts question whether they really amount to health insurance at all.

Even insurance industry executives and agents are highly skeptical of such plans. At one insurance-company meeting last year, a roomful of agents burst into laughter when an executive described a Limited Benefit plan. But plan defenders say the simple act of giving low-income workers an insurance card can encou (more...)

Homes, and their contents, are expensive investments, so you can imagine repairing or replacing them is expensive, as well. All homes, and the contents within all homes, are at risk for experiencing situations which cause them to need to be repaired or replaced, regardless of where the home is located. You see, weather elements such as hurricanes, floods, and earthquakes aren t the only factors that can damage or demolish a home and everything within the home. Homes, and especially the contents within the homes, are at risk for vandalism and theft, too.

If you live in an area that is considered high risk for crimes such as vandalism and theft, you are probably going to be labeled as high risk when you set out to purchase homeowner s insurance. However, if this is the case for you, there are ways to avoid being labeled as high risk - or, at least, lower your risk. You can avoid being labeled as high risk by making changes to your home that make your home and its contents safer and less suscepti (more...)