Non-Owned Auto Coverage Essential for Any Business

| posted in Newsletter

Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a company asks an employee to run an errand or visit a customer or vendor using that employee’s car. The business may be legally liable for anything an employee acting on its behalf does while behind the wheel. Lawsuits and accompanying legal costs may confront the business if they have an accident, putting the company’s assets at risk. Many business automobile insurance policies cover this situation, but they do not do so automatically. The standard Insurance Services Office business auto policy uses numbered…
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Employers Curtail Health Cost-Shifting to Workers

| posted in Newsletter

One of the health insurance trends that went largely unnoticed in 2021 was that employers halted cost-shifting to their employees by reducing or holding steady workers’ deductibles and other cost-sharing. That’s according to a new study by consulting firm Mercer, which points out that concerns about health care affordability for lower-wage workers, coupled with a difficult hiring environment and the need to attract and retain talent, has prompted many firms to not pass on cost-sharing in the form of higher deductibles and out-of-pocket maximums. Additionally, despite average group health premiums growing 6.3% in 2021, employers did not increase employee’s share…
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Hospital Indemnity Insurance a Key Voluntary Benefit

| posted in Newsletter

Most employers offer major medical coverage to their full-time employees. But that still leaves workers and their families with significant exposure to financial hardship in the event of a serious medical emergency. For example, even with insurance, treating a broken leg or undergoing emergency appendicitis surgery can mean thousands of dollars in out-of-pocket medical costs. Meanwhile, most households can’t afford to cover a $1,000 emergency. Fortunately, employers can help by offering their workers voluntary hospital indemnity insurance that can provide peace of mind in case they have a serious medical episode.   Hospital indemnity insurance This coverage offers a cash…
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The Story Of EGPP – Building A Culture Of Excellence

| posted in Blog

When the Founding Partners opened CoreMark Insurance Services, Inc in 2014, we were determined to build an agency that could make a real difference in the lives of our clients, our employees, and our community. Each founding partner had other opportunities prior to venturing out with the CoreMark brand, but after many soul searching meetings with each other and our families, we realized that we share many of the same core values.  Values built on excellence, trust, accountability and professionalism. Those Core values led to choosing the name CoreMark and our EGPP mantra.  What is EGPP you ask?  It’s our…
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Workplace Distractions Hurt Your Employees and Your Business

| posted in Blog, Newsletter

Workplace distractions are ever-present. They reduce workers’ productivity, increase their stress, cause injuries and lower morale. Some are the result of modern technology, but others have been around a lot longer. Following an interruption, it typically takes a couple of minutes to return concentration to work. These short interruptions and recovery periods add up to large amounts of lost productive time. There are a multitude of distractions that can affect employee safety and productivity that employers need to be aware of. Smartphones– Smartphones and tablet computers are a major distraction, especially in office environments. Text messages, alerts and the urge…
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Thinking about buying a house? Upcoming Seminar For Homebuyers!

| posted in Blog, Newsletter

Thinking of buying a home? Join us for the free opportunity to meet with our panel of experts that will walk you through each step of the process and have you sliding into your new home! Our team of local superstars are coming together to bring you all the information you need to prepare for the home buying process. With the expertise of this dream team you hit a HOME run every time! Seats are extremely limited, so be sure to register to save your spot on our roster! Register Today To Save Your Spot Workshop will include a raffle for…
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Five Ways to Reduce Accidents among Your Driving Employees

| posted in Blog, Newsletter

We’ve often discussed the scourge of distracted driving in America, brought on in large part due to the use of smartphones and leading to a significant spike in vehicle accidents, injuries and deaths. That in turn has led to a jump in both commercial and personal auto insurance pricing. The risk for businesses is even greater as a careless driving employee can result in a substantial liability claim, particularly if a third party is injured. If one of your drivers is found to have been engaged in distracted driving, any judgment or settlement for a personal injury could easily cost…
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After IRS Tweak Be Careful that You’re Complying with Affordability Test

| posted in Blog

Now that the final attempt (this year) at dismantling the Affordable Care Act came to a quiet end in the last week of September, employers need make sure that they stay on track with compliance. First and foremost is that the ACA’s employer mandate and shared responsibility provisions still stand. That includes the affordability test, to which employers need to pay special attention, as increases in premium can put some of your employees over the edge into “unaffordable” coverage territory. And this year there’s a twist that you need to be aware of. As it’s almost time for open enrollment,…
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A Window of Opportunity and Focus on Customers Leads to Success

| posted in Blog, Newsletter

For Renewal by Andersen of Sacramento, customers are at the heart of what they do. From the company’s window installers all the way to the CEO, the local franchise of Andersen Corp. is focused on helping their clients achieve their vision for their home. The company does this by hiring passionate window experts who exceed the expectations of homeowners in the Sacramento region. A commitment to quality and a focus on their clients is why CoreMark Insurance Services has chosen Renewal by Anderson of Sacramento as its client of the month. We sat down with Karen Meier, Marketing Manager for…
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How Many Seniors Get Medicare Open Enrollment Wrong

| posted in Blog, Newsletter

Medicare can be hard to navigate, even if you’ve been enrolled for years. As open enrollment approaches – it starts Oct. 15 and runs through Dec. 7 – you’ll want to pay attention to some of the most common mistakes people make. Not understanding the difference between Original Medicare and Medicare Advantage – With Original Medicare, there is typically no premium for Part A coverage if you or your spouse paid Medicaid taxes while you were working. However, you do pay monthly premium for Part B coverage. Also, with Original Medicare, you can usually see any doctor or specialist you…
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