Crime Policy Exclusions in Home Care Hiring Home care providers often face challenges when background checks reveal past felonies or theft charges for non-skilled caregiver applicants. This article addresses potential insurance implications and offers guidance on managing these situations while ensuring compliance with insurance policies and state laws. Potential Insurability Issues 1. Impact on Hiring Practices The insurance industry carefully crafts policy language to avoid influencing hiring practices to prevent discrimination claims. However, specific exclusions in crime policies, such as ..read more

When navigating the insurance landscape, it’s essential to understand the distinction between admitted and non-admitted insurance markets. These two categories define the regulatory status of insurance companies and the products they offer, impacting everything from policyholder protections to premium costs. This article will delve into the differences between these markets and explore why non-admitted insurance policies often come with higher costs. Admitted Insurance Market Admitted insurers are those that are licensed and regulated by the state insurance department in the states where they ..read more

The Centers for Medicare & Medicaid Services (CMS) continues to implement provisions of the Inflation Reduction Act (IRA) to make prescription drugs more affordable. Here are the significant changes to Medicare Part D for 2025 that you need to know about. Overview of 2025 Part D Redesign On April 1, 2024, CMS released the final instructions for the Calendar Year (CY) 2025 Part D Redesign Program. The updates fall into three main categories: updated costs for beneficiaries, restructured phases and liabilities (who pays and when), and modified true out-of-pocket (TrOOP) categories. Beneficia ..read more

The growing concern over perfluoroalkyl and polyfluoroalkyl substances (PFAS), commonly known as “forever chemicals,” is significantly impacting the insurance landscape, particularly for environmental consulting firms. This article explores the challenges posed by PFAS exclusions in insurance policies and how specialists in environmental insurance, like our company, are addressing these issues. What are PFAS? PFAS are a group of synthetic chemicals used in various industrial and consumer products due to their resistance to water, grease, and heat. They are found in items such as non-stick cook ..read more

Here at Inszone, one of our missions is to make sure that every employee is appreciated, acknowledged, and recognized for their achievements. This Employee Spotlight series aims to celebrate success and highlight the talented individuals we have at Inszone, Cover Cannabis, and California Pool Association. Each month we’ll be featuring Inszone employees on our website, blog and social accounts. Sandy Crespin is a Commercial Lines Account Manager at Inszone Insurance Services, joining the team in 2021. Beginning her career in 1976 committed to providing the absolute best guidance to her client b ..read more

At Inszone Insurance Services, we believe that true success is measured not only by professional accomplishments but also by the positive impact we make in our communities. Vanessa Mula, a Senior Commercial Insurance Specialist at our Oceanside, CA office, exemplifies this ethos through her unwavering commitment to community engagement and volunteerism. With a career spanning over 15 years in the insurance industry, Vanessa’s passion for serving others extends far beyond the confines of her office walls. Vanessa’s journey with Inszone began in 2022 following the merger with her previous compan ..read more

As we commemorate another milestone anniversary at Inszone, it’s with great pleasure that we highlight the journey of one of our esteemed team members, Sara Evans. Her story, rooted in determination and resilience, serves as a testament to the spirit of growth and opportunity within our company. Sara’s journey began back in 2010 when she and her mom co-founded Mosaic Insurance, with the intention for Sara to eventually take over the agency. However, in 2019, with the added responsibilities of motherhood, Sara’s aspirations shifted. Recognizing the need for a new direction, Sara and her mother ..read more

Let’s delve into the recent developments in the insurance industry, especially regarding mergers and acquisitions (M&A) for the year 2024. 2024 Insurance M&A Outlook In the world of insurance M&A, 2023 was a relatively quiet year, with fewer transactions taking place. However, as we step into 2024, there are notable trends and insights shaping the industry: Life and Annuity (L&A) Insurance M&A In 2023, L&A insurance M&A activity remained subdued. Carriers benefited from higher returns due to elevated interest rates, making them attractive to dealmakers. In 2024 ..read more

What Is Teledentistry and Why Has It Become Popular? In an era where efficiency and time management reign supreme, the quest to accommodate more activities within our busy schedules has become a paramount concern. One notable solution that has emerged is teledentistry, a method of delivering dental care that extends the reach of dental professionals while providing patients with efficient access to necessary treatments. Teledentistry involves the use of interactive audio, video, or data communications for various dental purposes, including examination, diagnosis, treatment planning, consultati ..read more

The Expanding Role of IoT in Manufacturing The industrial sector, particularly manufacturing, has increasingly incorporated the Internet of Things (IoT) into its operations. This integration enhances efficiency and production capabilities but also broadens the cyber risk landscape significantly. With a predicted increase to over 30 billion active IoT devices by 2025, the surface for potential cyber threats continues to expand dramatically​ (Industrial Cyber)​. Emerging Cyber Risks in Manufacturing As manufacturing processes become more connected through IoT, the distinction between operational ..read more