The Nation's First ISO Registered Independent Insurance Agency
The Affordable Care Act requires employers to provide their group health plan participants with access to both a summary of benefits and coverage that details the features of their health plan and a glossary of commonly used health care terms (such as balance billing, preauthorization and non-preferred provider).
That glossary, which also offers an explainer of how deductibles, co-insurance and out-of-pocket limits work, is available here.
Alison Matas
Director, Communications
Phone: 234.666.2113
alison.smith@schauergroup.com
When you fill out an application for personal insurance, the insurance company uses a proprietary rating – called an insurance score or a credit-based insurance score – to help determine whether to provide you insurance coverage and how much you will pay for that coverage.
In 2026, the construction industry is expected to keep growing – driven largely by investments in infrastructure and data centers. As you prepare for upcoming projects, the corporate surety team at Schauer Group recommends working proactively with your broker to ensure your company is set up for success.
A recent study from the Council of Insurance Agents & Brokers showed premiums still rose in Q3 2025, but the average price increase across all account sizes was only 1.6 percent.