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Buckley & Associates Insurance Services, Inc Blog

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One of the most overlooked and undervalued employee benefits is long-term disability insurance. Often, even if the employer offers to cover the low premium, employees don't sign up. They think they won't become disabled or need income replacement, despite some startling statistics: that about 25% of 20-year-olds will become disabled, even if temporarily, before they reach retirement. READ MORE >>

With recent advances in both technology and the internet, even more people are running home-based businesses, full-time or part-time. But will your homeowner's policy cover the risks of a home-based business? In nearly every case, the answer is no. READ MORE >>

    Every late summer and early fall wildfires rage in many parts of the West and Southwest, as the fires running almost the length of California this year show. Thousands of homes have burned to the ground and thousands of people have been displaced.  READ MORE >>

  As unemployment dips to its lowest level in decades, coupled with more states legalizing marijuana, employers are having to rethink screening requirements for workers, particularly drug-testing. The problem is that employers are grappling with the sometimes conflicting local, state and federal laws and balancing them with their right to maintain a safe workplace. READ MORE >>

One Saturday afternoon your friend calls you up and asks: "Dude, can I borrow your car for a few hours today? Mine's in the shop." You don't think much about it and hand over your keys. But what do you do if your friend has an accident? Will your insurance cover the damage, or does theirs? READ MORE >>

Annuities are valuable tools, when used correctly. No other financial product on the market can provide the kinds of guarantees on income that an annuity does. But it's vital to understand the tax treatment of annuities as well. Here are some of the most important aspects: Qualified vs. READ MORE >>

Homeowners may Need Additional Insurance for Summer Fun When summer arrives each year, many people look forward to activities that they can only enjoy during warmer months. Summer is also a time for family vacations and relaxing. A typical American's summer plans may include outdoor activities, entertainment and traveling. READ MORE >>

  The Centers for Medicare and Medicaid Services (CMS) has released its final rules on giving states more power to regulate individual and small group health insurance markets. The new rules are part of the Trump administration's effort to dismantle the Affordable Care Act after numerous GOP efforts to repeal the law failed in 2017. READ MORE >>

The Number Of Homeowners Insured Against Earthquakes Drops Despite Rising Threats And Damage Costs. Recent research shows that about 10 percent of American homeowners have earthquake insurance. In 2012, the percentage was slightly higher. Western states had a higher concentration of homeowners with this type of coverage. READ MORE >>

By now, you've likely noticed that your commercial automotive insurance rates have been increasing since last year, and for now there seems to be no slowing the momentum. The increase is probably noticeable since the period between 2011 and 2016 saw rates drop thanks to a number of factors,... READ MORE >>

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