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Welcome to the Fall 2014 issues of HUB Connects - US. HUB Connects provides information on the current trends and topics impacting personal and business insurance, risk management and employee benefits strategies.


Your life. Your family. Your home.

Condo Insurance and the CC&R: 4 Tips for Securing the Right Coverage - A Covenants, Conditions & Restrictions document is the most critical element in determining your condo insurance needs.

Determining Insurance Needs After Divorce - 5 focus areas to help you plan for the next phase of your life.

It's Called Life Insurance For a Reason: Everything You Need to Know about Living Insurance - 4 of the most common questions that stand in the way of your family's future security.

Smart Homes Create New Risks: How Technology Can Impact Your Insurance Coverage - Is acquiring the latest technology a no-brainer? Maybe not.


You've worked hard to build your business. Protect it.

Safeguarding Against Financial Theft and Fraud - Theft and fraud affect businesses of all sizes. Protect your business with these fraud prevention best practices.

Maintaining a Drug-Free Workplace in Spite of Legalized Medical Marijuana - Evolving state laws don't eliminate an employer's right to a drug-free workplace.

Staying Safe on the Job: Going Beyond OSHA - Valuable strategies to help your company meet or exceed OSHA compliance with limited resources.

Return to Work Programs are Good Medicine - These programs are a win/win for business owners and workers alike.

Employee Benefits:

Attract & RETAIN talent. IMPROVE your bottom line.

The Luxury Ride Ends Here: Prepare for the Cadillac Tax Today - How will your business be affected? Start preparing now to steer clear of this non-deductible excise tax.

The Power of Engagement: Educating Employees about their Benefits Can Maximize Your Bottom Line - Don't save the conversation for open enrollment. Improve your business performance through consistent communication.

Disability: What's the Real Risk? - Your employees may under-estimate their risk of disability. Learn how you can raise awareness and encourage responsible planning.

Improving Healthcare Costs and Outcomes in the Public Sector - The City of Arvada, CO offers a case study in improving employee health and productivity while reducing costs.






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