Medicare Supplements: Is Plan F or Plan G right for me?

Medicare Supplements: Is Plan F or Plan G right for me?

You’ve decided to go the Medicare Supplement (Medigap) route to supplement the health insurance coverage you have through Medicare Parts A and B, but you’re not quite sure which plan is right for you. There are ten different Medicare Supplement plans, but my years of experience in working with people in Medicare planning tells me […]

Is Medicare Automatic?

Is Medicare Automatic?

Is Medicare Automatic? The short answer: It depends. If you are already receiving Social Security benefits (or Railroad Retirement Board benefits) when you become eligible to enroll in Medicare you should automatically receive your initial enrollment package around three months before you turn sixty-five or the 25th month of receiving disability benefits. Your initial enrollment […]

An Unbiased Review of Travelers Insurance

An Unbiased Review of Travelers Insurance

“I’ve never heard of Travelers Insurance. What are they rated?  Are they a good company? Why are you recommending I change to Travelers? Deciding to trust a new insurance provider to protect your home and your livelihood seems like a wild leap of faith sometimes. You want to have as much reassurance that the insurance […]

The best home insurance agents in Lancaster PA?

The best home insurance agents in Lancaster PA?

Every year, Heritage Insurance Agency meets with hundreds of households in the Central PA/Lancaster area with respect to reviewing their home insurance. And because so many visitors know our thoughts and feelings on getting home insurance right, they often ask us who are some of the best home insurance agents, companies, and competitors we have […]

Beware of Flood Damaged Cars!

car drives through flood area

Flood damaged cars are coming! You can count on one thing after a devastating hurricane: the used-car market is going to be absolutely flooded with water-damaged vehicles. If you’re looking for a used vehicle within a few hundred miles of a storm like Harvey, you’ll want to be particularly careful to look over what you’re […]

Beat Your Restaurant’s General Liability Insurance Audit

small-business-insurance-columbia-pa

General Liability Where Gross Sales Isn’t The Rating Basis! Traditionally, the General Liability (GL) portion of a Commercial Package Policy (CPP) used sales as the rate basis to determine rates. Business Owners Policies (BOP) base General Liability rates on the amount of property at the insured location instead. Some hospitality businesses still benefit from this rate structure, like […]

Beat Your Workers Comp Audit with Pay As You Go Solutions!

Beat Your Workers Comp Audit with Pay As You Go Solutions!

Unlike General Liability – Its Rate Basis will always be payroll Unfortunately, Workers Compensation will ALWAYS be based on your actual payroll. There’s no way around it. Workers Compensation Premium = Company Rate x (Remuneration / 100) WAIT – you may say – I thought the STATES made the workers compensation rates?! That is partially true. In […]

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