Posts by Christopher Giannetti
Does My Credit Score Affect My Car Insurance Rates?
Many drivers don’t realize how much their credit score can impact car insurance premiums. In most states, insurers use your credit score to help determine your rates, and even a small change in your score can lead to significant fluctuations in your premium. However, three states—California, Massachusetts, and Hawaii—have banned the use of credit scores…
Read MoreNOAA Winter Forecast 2024-25: Expect a Wetter North and a Drier South
As winter approaches, the National Oceanic and Atmospheric Administration (NOAA) has released its U.S. winter outlook for December 2024 through February 2025. Driven by La Niña conditions, this season’s forecast anticipates marked weather patterns, with wetter-than-average conditions expected in the northern regions and a drier, warmer outlook for the South. What is La Niña, and…
Read MoreSafety Tips for Holiday Meal Prep
Getting together with friends and family can be the best part of the holiday season. However, as you start planning for Thanksgiving dinner and other gatherings, you must keep yourself and your guests safe. Even if you consider yourself an expert chef and know every nook and cranny of your kitchen, you should remain mindful…
Read MoreSurvey Highlights Americans’ Struggle with Prescription Drug Costs
A recent survey by the Pharmaceutical Research and Manufacturers of America (PhRMA) sheds light on a significant issue: many Americans, even those with health insurance, are struggling to afford prescription medications. The Patient Experience Survey revealed that over half of insured Americans (51%) cannot accurately predict their prescription costs, while a sizable 38% reported rising out-of-pocket expenses…
Read MoreUnderstanding OSHA’s Proposed Heat Injury and Illness Prevention Standard
The Occupational Safety and Health Administration (OSHA) has recently taken a significant step towards enhancing workplace safety by publishing a notice of proposed rulemaking in the Federal Register regarding heat injury and illness prevention. If finalized, this new standard would represent the first federal regulation specifically aimed at safeguarding workers from extreme heat, affecting all…
Read MoreHow to Ensure You’re Covered for Trick-or-Treat Night
As the leaves change color and the air turns crisp, it’s that time of year again—Halloween! For many families, this spooky holiday means dressing up in costumes, decorating homes, and, most importantly, trick-or-treating. While Halloween is all about fun and festivities, it’s crucial to remember that safety and preparation are just as important. One key…
Read MoreWinter is Coming: Review Your Policy Now to Avoid Cold-Weather Claims
As the days grow shorter and the air turns crisper, we all know what’s on the horizon: winter. While cozy nights by the fire, hot cocoa, and holiday festivities may be what you’re dreaming of, there’s another important task to add to your winter prep list—reviewing your insurance policy. Cold weather can bring about some…
Read MoreWhy Group Health Plans are Crucial for Small Businesses
As a small business owner, you wear many hats, from managing day-to-day operations to making strategic decisions for growth. One of the most impactful decisions you can make is offering group health plans to your employees. While it might seem like a significant expense, the benefits of providing health coverage far outweigh the costs, both…
Read MoreUnderstanding Flood Insurance: October’s Rainy Season Risks
Understanding Flood Insurance: October’s Rainy Season Risks October marks the start of the rainy season for many regions, and with it comes the heightened risk of flooding. While we often think of flooding as a springtime concern, the fall brings its own set of challenges—from heavy rains to rising rivers—that can put homes and businesses…
Read MoreHow to Prepare Your Home for Fall Weather: Insurance Tips for Homeowners
As the crisp autumn air rolls in and the leaves start to fall, it’s time to think about more than just pumpkins and cozy sweaters. Fall brings with it unique weather challenges that can have serious implications for your home. From heavy rain to early frost, the season poses risks that can lead to costly…
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