Don’t Let Pipes Freeze – and Steps to Take If They Do | Schaumburg Insurance Consultants

What’s worse than a major home maintenance disaster? Try several major home maintenance disasters at once. When a house’s water pipes freeze, the situation is not as simple as calling a plumber. A 1/8-inch crack in a pipe can spew up to 250 gallons of water a day, causing flooding, serious structural damage, and the … Continued

Four Things Life Insurance Is NOT | Schaumburg P&C Agency

Are you confused about life insurance? I don’t blame you. When I first started writing about finances more than a decade ago, my understanding of life insurance was limited. I knew about life insurance because it was offered through my employer, and I thought a $50,000 policy was a lot of money. I also recognized … Continued

OSHA’s Top 10 2018 Violations | Schaumburg Insurance Consultants

OSHA released a preliminary list of its top 10 cited workplace safety violations for fiscal year 2018 (Oct. 1, 2017 – Sept. 30, 2018) last week at the National Safety Council Congress and Expo in Houston. Patrick Kapust, deputy director of OHSA’s Directorate of Enforcement Programs, presented the list, encouraging employers to use it as … Continued

Are You Ready for Election Day? | Schaumburg Insurance Consultants

Election Day is next Tuesday, November 6. Do you know what provisions, if any, you must make to accommodate your employees’ rights to vote? Time off for voting is not a federal requirement; however, 30 states have voting leave laws impacting the workplace. These state laws vary significantly. Not all leave is required to be … Continued

8 Tips for Handling Tough Employee Conversations | Schaumburg Insurance Agents

We all get cold feet when it comes to addressing difficult issues with colleagues in the workplace. It’s stressful, and you just can’t help but think of all of the ways that a well-meaning conversation could go sideways. You worry about the longer-lasting effects of a damaged work relationship but know that you must correct … Continued

Teen Driving Contract | Schaumburg P & C Agency

Is your teenager ready to drive on their own? Before you hand over the keys, take the time to create a driving contract with your teen. Click the link below for a great resource! Teen Driving Contract   Originally posted on  

Distracted driving: Facts, stats and scare tactics | Schaumburg Insurance Firm

Distracted driving has been a rising menace as cell phones have become more popular among people, and texting has become the new norm for communication. These mini-computers, we call smart-phones, are changing the game when people get behind the wheel. According to the National Highway Traffic Safety Administration, in both 2014 and 2015 a terrifying … Continued

5 Tips to Protect Your Possessions with Valuable Items Insurance Coverage | Schaumburg Insurance Agency

You may think that a homeowners insurance policy provides adequate coverage for all your valuables, but policies may provide limited or no coverage for certain items — including generally expensive items — that are damaged or stolen. For example, many homeowners policies generally have a $1,000 or $1,500 coverage amount for jewelry if the loss is due … Continued

Redesigned W-4 Form to Launch in 2020 | Schaumburg Benefits Partners

When will the new Form W-4 be released? In 2020, according to a press release published by the Treasury Department on September 20, 2018. The department announced that the IRS will implement a redesigned W-4 form for tax year 2020, a timeline that will allow for continued work to refine the new approach for the … Continued

Look Backward to Plan Forward | Schaumburg Benefits Agents

We have entered Open Enrollment season and that means you and everyone in your office are probably reading through enrollment guides and trying to decipher it all. As you begin your research into which plan to choose or even how much to contribute to your Health Savings Account (HSA), consider evaluating how you used your … Continued