As a result of the Patient Protection and Affordable Care Act ("PPACA" or "Obamacare"),employers with more than 50 employees will be required to provide minimum essential health care coverage effective January 1, 2014 or pay certain penalties. PPACA also imposes an excise tax on high cost plans starting in 2018. The Supreme Court decision issued on June 28, 2012 removed the remaining obstacles blocking... Read more...

"Business Insurance" publication reports that "suits against companies whose employees were involved in vehicle accidents while using cell phones are raising employers' interest in distracted driving policies." After an accident, one of the plaintiff's attorney standard discovery actions will involve whether the defendant driver was using a cell phone or mobile device at the time of the accident. A T... Read more...

"A survey by the risk management society, RIMS, said prices for most types of commercial insurance in the U.S. have started to rise after eight years of declines, though the gains are still fairly small. The survey said average renewal premiums rose 1.2% to 2.1%" -excerpted from the Minnesota PIA newsletter. As insurance professionals, we do not see a modest rise in rates as an unexpected situation ... Read more...

If you are concerned that a major customer(s) might go bankrupt and still owe your business a large sum of money, we have a solution! It is called "CREDIT INSURANCE"...and it will reimburse your business, after an agreed-upon deductible, if your customer is no longer able to pay you.  Contact Horizon Agency for more information. Read more...

If you are a "service" company, (accountant, engineer, architect, designer, information technology, health care, contractor, advertising, etc) you are more likely to be sued over what you DO that from what you MAKE.  You need "ERRORS & OMISSIONS" liability protection. This is also called "Professional Liability." And, you should know that your existing "General Liability" and "Umbrella Liability" ... Read more...

Virtually every business uses computers to store customer's private data. Would your existing insurance policy cover you if your system gets "hacked" and your client's data is stolen? Likely not.  How would you pay for this "mess" if you don't have the proper "DATA BREACH" insurance? Contact Horizon Agency and we will show you affordable insurance solutions for this very real exposure. Please watch th... Read more...