Imagine several small businesses located around the country. Each is well-established and profitable. Each of them bought business insurance - property, liability, automobile, and workers' compensation.

They told their agents they wanted the lowest possible price for coverage, and the agents came through. But they didn't also take their agents' recommendations to purchase additional coverage.
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Illinois Association of Rehabilitation Facilities (IARF) has partnered with with Molyneux to bring insurance and risk management options to members.

Unpredictable job and investment markets make it difficult to determine how much life insurance to buy. The standard formulas for buying coverage to match a specific percentage of income are often inadequate and fail to take individual circumstances into account. 
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Whether you’re reviewing the dental options for your employer-sponsored health plan or looking at the options available on the market, you may encounter the acronyms DMO and PPO (also known as a PDN), as well as indemnity plan, in your research.
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Mentoring programs are a powerful way to help people build relationships and make connections. A mentor is an individual in the workplace who shares his or her knowledge and expertise to help another employee grow professionally. 
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The New Year is a great time to prioritize home safety and review your insurance coverage to make sure you are appropriately covered. We’ve assembled some tips to make it easier and maybe even save you some money.
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Test Your Home. Protect Your Health.

The Environmental Protection Agency (EPA) has designated January as National Radon Action Month. As part of this safety campaign, American’s are urged to protect their health by testing their homes for radon.

​Dan M. Molyneaux, Jr., CPCU, ARM, CRIS 
Chief Executive Officer ​

​Many of our clients, regardless of industry, are being impacted by market changes in the insurance market. A clean loss record may help mitigate some of the impact, but it does not spare clients from these market actions.
 
This is a big picture trend in the insurance industry. 
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​Allow me to explain what is happening.

In some instances, a commercial crime insurance policy may offer coverage for a loss due to a cyber-attack. The 11th U.S. Circuit Court of Appeals in Atlanta has ruled that an insurer must indemnify a policyholder that was scammed out of more than $1.7 million in a phishing incident under its commercial crime policy.

Financial stress can be a burden, but did you know it can also have a negative effect on your health? Understanding the relationship between financial and physical wellness can help you improve both areas of your life.
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