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Norm's Desk

Keep up with our fearless leader right here! Join the fight or just admire the grit.

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Posted by Andy Adams on September 16, 2014 - 3:19pm
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This morning we attended the Work-Faith Connection's annual breakfast.  500 people squeezed into the River Oaks Country to hear no less than 3 ex-invitees of the Texas Department of Corrections tell their stories and how the power of the Holy Spirit and a few people who believe in second chances changed their lives.

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Posted by Andy Adams on September 5, 2014 - 10:29am
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Employee theft claims are regular occurrences among our insureds, certainly more common than hurricanes.  Yet, so many employers believe these types of claims cannot happen to them.  You see they do not employe anyone they do not trust.  They have safeguards in place.  They do not keep that much cash on hand, etc.  They need employee theft coverage.  If they have it, they need to increase their limits.

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Posted by Tracy Dacus on September 4, 2014 - 5:06pm
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With open enrollment for ‘Obamacare’ in 2015 starting in mid-November, experts are predicting big increases in premiums in many states.  According to an analysis from PricewaterhouseCoopers’ Health Research Institute, health plans sold through the ACA exchanges are going to increase an average of 7.5% next year.  (based on preliminary data from 27 states and the District of Columbia)  

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Posted by Andy Adams on September 4, 2014 - 2:58pm
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As we noted here, the DC Circuit has vacated its panel decision deciding the ACA shoud be enforced as it reads to NOT allow subsidies sold outside of state health exchanges (i.e., through the federal exchange).  This was a huge holding, but the odds were stacked against its survival within the more liberal DC Circuit.

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Posted by Tracy Dacus on August 22, 2014 - 2:59pm
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This week marked the start of the potentially busiest part of hurricane season.  With a tropical storm forming near Puerto Rico, we thought it was time for a review of hurricane preparedness.  From FEMA’s www.ready.gov site, where you can learn to prepare for any and all disasters including pandemics or even the zombie apocalypse.  
 
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Review your insurance coverage.  It will be too late to obtain flood or windstorm insurance if a storm is declared a hurricane, and there is a 30 day waiting period to enforce any flood policy.  (See our blog about this from 2012.)
Put together a disaster kit.  A basic emergency supply kit includes the following:  

 

     
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