Did you know? Employee Benefits

Did you know we offer Employee Benefits! And it is currently open enrollment. You have until December 15th to get coverage starting January 1st! Open enrollment is open until January 15th. Anything from December 15th to January 15th will start February 1st. So there is still time to get coverage for January 1st. Some information for Employee benefits that we think are really important.

  • Life Insurance is guaranteed Issue
  • Dental has no waiting period
  • Accident covers you on or off the job
  • Cancer plans pay a lump sum upon diagnosis
  • We have disability plans with no waiting period



  • Standalone cyber insurance program for businesses with up to $100m in revenue
  • Ideal for first-time buyers or businesses upgrading from a BOP or packaged cyber policy
  • Admitted in 47 states and D.C.
  • Written on “A” rated paper, backed by a panel of top global reinsurers

Cowbell Prime 100 deliver essential cyber insurance protection with simplicity and speed:

  • A set of coverages strictly dedicated to cyber,
  • Coverages designed to address the diversity of today’s cyber threats – not just data breaches,
  • The ability to customize the policy to match the unique risk exposures of every business.
  • Includes coverage for ransom and extortion, business interruption, social engineering, and fraudulent funds transfer

What’s unique about Cowbell Prime 100

  • Individualized Policies that match every business’s unique risk profile.
  • Cowbell Factors: quantification of cyber risks with continuously updated risk ratings.
  • Cowbell Insights: continuously updated risk recommendations to remediate identified exposures.
  • Cyber awareness training for employees at no charge, up to 20, with the policy


With Cowbell Cyber, policyholders not only get relevant financial protection against cyber incidents, but they also gain access to always-up-to-date insights that allow them to continuously manage their cyber risk.
Closed-loop risk management. Cowbell wants to ensure that every policy provides value from the day it is issued and throughout the policy period, regardless of whether a cyber event occurs. Our closed-loop approach to risk management –
– enables proactive risk mitigation where cybersecurity and insurance efforts are coordinated.

Cybersecurity Awareness Month

Cybersecurity Awareness Month, every October, is a collaboration between government and private industry to raise awareness about digital security and empower everyone to protect their personal data from digital forms of crime.

The month is dedicated to creating resources and communications for organizations to talk to their employees and customers about staying safe online.

Now in its 19th year, Cybersecurity Awareness Month continues to build momentum and impact co-led by the National Cybersecurity Alliance and the Cybersecurity and Infrastructure Agency (CISA) with the overarching theme for 2022: See Yourself In Cyber

It’s easy to stay safe online

While most of the cybersecurity news articles are about massive data breaches and hackers, it can seem overwhelming and feel like you’re powerless against it. But Cybersecurity Awareness Month reminds everyone that there are all kinds of ways to keep your data protected. It can make a huge difference even by practicing the basics of cybersecurity.

This year, we are focusing on four key behaviors instead of weekly themes:

We encourage you to take a risk-based approach and focus on the behaviors most important to your organization.

Everyone has a right to a safe internet, so let’s remember to #BeCyberSmart


Open Enrollment for 2023 runs November 1, 2022–January 15, 2023

Starting November 1, you can log into HealthCare.gov, fill out an application, and enroll in a 2023 Marketplace health plan. Enroll by December 15, 2022 for coverage that starts January 1, 2023.

Schedule an appointment with our office to make an appointment to get signed up. Make your appointment here.

Mummy Halloween Brownies

These Mummy Halloween Brownies are adorable! They are easy to make, super delicious and your kids will rave about them!


1 batch of homemade brownies or 1 box of brownie mix, prepared

12 oz white chocolate melts

32 candy eyeballs


Bake brownies according to recipe and place in the freezer to cool.

While brownies are cooling, pour melting chocolate into a microwave-safe bowl. Heat white chocolate melts in the microwave in 30 seconds increments, stirring in between, until they are completely melted.

Pour melted chocolate into a small zip lock bag and cut a small opening in one of the corners.

Cut brownies into 12 rectangles. Squeeze melted chocolate out of the zip lock and onto brownies in a back and forth zig-zag motion.

Immediately place eyeballs onto melted chocolate.

Put finished mummies in the fridge to set.