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10 Common Health Insurance Terms Every Policyholder Should Know

10 Common Health Insurance Terms Every Policyholder Should Know

Health insurance is among the most essential financial security options you have; however, many Americans are confused by the terms used. If you don’t understand the terminology that is used in your insurance policy, it is difficult to pick the best policy, estimate the cost or utilize the benefits you receive correctly. At Keen Coverage, […]

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The Most Important Detail in Disability Insurance You Might Miss

The “Own Occupation” Clause: The Most Important Detail in Disability Insurance You Might Miss

When people think of Disability insurance policies, people envision insurance coverage for a severe injury or illness that hinders the insured from working. What they do not consider is the way their capability for work will be defined by the policy. This definition hidden in the fine print could be the difference between getting benefits

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In this article we'll explain precisely what license and permit bonds are, their purpose, and why they're important and how to find the perfect one for your contractor business.

Contractors’ Guide to License & Permit Bonds

In the world of contracting and construction, credibility is equally important as competence. If you’re building your home and repairing infrastructure or managing electrical work, customers as well as regulators alike want confidence that you’ll adhere to the law, conform to professional standards and meet your obligations. This is where  license and permit bonds are

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The Top 5 Hidden Costs Businesses Overlook When Selecting Insurance

The Top 5 Hidden Costs Businesses Overlook When Selecting Insurance

In the case of insurance for business, the majority of companies concentrate on one thing, the premium. The price tag appears straightforward enough when printed. However, the actual price of insurance is more extensive. Between gaps in coverage, exclusions and lengthy claims, a lot of businesses pay more than they anticipated and often not in

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How Commercial Umbrella Insurance Protects Against Catastrophic Lawsuits

How Commercial Umbrella Insurance Protects Against Catastrophic Lawsuits

The modern business world is taking on more risks than before. No matter if you own a tiny local business or a growing business with multiple employees, one big lawsuit could be a financial disaster. Attorney fees, medical bills and settlement expenses can increase quickly and it’s not unusual for one claim to be more

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Understanding Negligence, Errors, and Omissions in a Professional Setting

Understanding Negligence, Errors, and Omissions in a Professional Setting

Every business built on expertise, advice, as well as creativity or professional judgment has one common risk: the possibility of making an error. You might be cautious, knowledgeable, skilled, and meticulous, but in reality even the most experienced experts can make mistakes when reading the terms of a contract, miss an important step or omit

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Designing Employee Wellness Programs That Lower Insurance Costs

Designing Employee Wellness Programs That Lower Insurance Costs

In the current workplace environment, the well-being of employees is not just an “nice-to-have” -it’s now a strategic investment. Businesses all over in the U.S. are recognizing that employee wellness programs don’t just improve productivity and morale, but can also have a direct, tangible impact on healthcare costs as well as insurance premiums. At Keen

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Why Proof of Insurance Is Crucial in Vendor and Client Contracts

Why Proof of Insurance Is Crucial in Vendor and Client Contracts

In today’s world of business, trust is not built solely on promises but also on security. When you hire a contractor, working with a vendor or signing a contract between you and a client, the proof of insurance isn’t just a formality. It’s a crucial security measure that shields both individuals from financial loss, legal

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Insurance Coverage for Remote Work

Insurance Coverage for Remote Work: Are Your Employees Really Protected?

Remote work has revolutionized how employees work in the American workplace. What began as a necessity due to a pandemic has been a permanent change in the way businesses function. Teams are spread across, offices are virtual and flexibility is the norm. While companies have been able to adapt their processes, one aspect which hasn’t

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Breaking Down the Fine Print in Independent Directors Liability Policies

Breaking Down the Fine Print in Independent Directors Liability Policies

Being an independent director is both a privilege and an obligation of a high degree. The director is responsible for guiding the corporate strategy, as well as ensuring the compliance of regulatory requirements, and protecting shareholders’ interests. With these responsibilities come personal risks to financial, legal and reputational risk. Although many boards cover Directors &

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