BCF Videos

Core Value Update

Jared Martinelli, Business Risk Manager

Jared talked about how we have changed our Core Values in 2023, what they are, and what they mean to us.

In the market for Commercial business insurance?

Garret Barbush, Vice President

Garret walks you through how to choose the right broker.

How Healthcare costs impact your business

Brad Forney, President

Brad talks about healthcare data in the US and how it effects employers

Do you have Business Interruption Insurance?

Evan Becker, Business Client Advisor

Evan talks about a local client’s fire and how their insurance covered lost income during the time they were closed.

Changes to the Worker’s Compensation Experience Rating Program

Trent Hess, Business Insurance Professional

Trent tells you about major changes happening April 1, 2024.

Starting a new business

Dew Gibbel, Risk Manager

Drew tells you what you need to consider in insurance before opening your own business.

Do you know what’s in your home?

Jared Martinelli, Business Risk Manager

In the event of a total loss in your home, would you know everything that needs to be replaces? Jared tells you about an app that can help.

Uninsured and Underinsured

Have Drew help you make an informed decision on these coverages for your vehicle insurance.

Motorcycle safety: What To Consider

Hear from our own cyclist, Kay, on how to stay safe during riding season!

Limited vs. Full Tort, what’s the difference?

Knowing the difference helps you make a decision that’s best for you and your loved ones.

Do you know you can save 5% on your Worker’s Compensation Insurance policy?

Find out how a safety committee can change your premium.

Are you receiving requests for Health Insurance Premiums from your carriers?

Find out how to stay in compliance with this request.

What is a Health Savings Account?

Jared Martinelli, Business Risk Manager

Who qualifies and how do you use an HSA?

Flood or earthquake, are you covered?

Trent Hess, Business Insurance Professional

Find out how to purchase this insurance if you have concerns for these risks.

Business umbrella insurance: how much is enough?

Trent Hess, Business Insurance Professional

Learn how to evaluate how much Umbrella coverage you need.

Recent record court judgements in our industry.

Brad Forney, President

Find out how judgments affect our industry and your premiums.

Personal insurance premiums are rising.

Jared Martinelli, Business Risk Manager

Find out how you can purchase this valuable coverage a great rate.

Umbrella Insurance: why is it critical?

Evan Becker, Business Client Advisor

Discover what this extra layer of coverage can do for your business.

Homeowners: do you have utility line coverage?

Drew Gibbel, Risk Manager

Find out how you can purchase this valuable coverage a great rate.

Starting a new business soon?

Jared Martinelli, Business Risk Manager

Find out what you need to know about insurance before you open your doors.

The best insurance against cyberattacks is FREE!

Trent Hess, Business Insurance Professional

Cybercrime is up. So are cyber insurance premiums. Take this easy first step to protect your business.

Another year, another health plan increase!

Evan Becker, Business Client Advisor

Jumping off the healthcare renewal merry-go-round can save you money. It may seem impossible, but it’s not. The secret is to slow down and to start planning NOW.

Factors that WILL reduce your home and auto premiums.

Drew Gibbel, Personal Risk Manager

Insurance policies are not one-size-fits-all. Why pay for an X-large when all you need is a regular?

Food Truck Liability Menu

Evan Becker, Business Client Advisor

Taking food to the people is a great idea. Make sure your coverage goes with you.

Are your gifts covered?

Jen Buch, Director of Administration

You may not know it, but not all Christmas gifts are included in your Homeowners policy.

Your business can replace lost income!

Evan Becker, Business Client Advisor

Having to temporarily close your business due to an emergency doesn’t mean you have to lose revenue, credit, or employees. Is a BOP right for you?

Inflation Doesn’t Mean You Can’t Save Money?

Jared Martinelli, Business Risk Manager

As your life changes, so do your insurance risks—and those changes can save you money! If you haven’t reviewed your insurance policies lately, you may be overspending.

Workers’ Comp Experience Modification Factor.

Trent Hess, Business Insurance Professional

How workers’ comp is calculated is complex—and boring. But knowing the math can save you thousands of dollars.

Is a BOP Right for Your Restaurant?

Evan Becker, Business Client Advisor

A less expensive insurance option with added value could be what you’re looking for! If your policy says CCP at the top, you may want to ask about a BOP.

What Everyone Needs to Know About ID Shield

Jared Martinelli, Business Risk Manager

Identity theft is so common that it’s become a matter of when, not if. Join Jared Martinelli for two minutes that could protect you from disaster.

Homeowner’s Policy DOES NOT Include Flood Protection

Drew Gibbel, Personal Risk Manager

If you’re located in a flood zone you probably already have flood insurance. If you don’t live in a flood zone you may be surprised what’s NOT covered if your basement gets wet.

Safety Practices at Work Will Save You Money

Trent Hess, Business Insurance Professional

Forming a Certified Safety Committee can save you 5% on Workers’ Comp premiums. Sounds good, right? Well . . . maybe.

Community-owned Health Plans—A Better Way Forward

Brad Forney, President

Rising healthcare premiums are killing businesses. In this video, President Brad Forney shares how BCF Group’s bold new approach is actually saving businesses millions.

Your Restaurant NEEDS Cyber Coverage

Evan Becker, Business Client Advisor

The modern restaurant runs on technology. Our own Evan Becker reveals everyday risks lurking in plain sight.

Health Insurance Funding Alternatives

Erik Walter, Employee Benefits Analyst

Employee healthcare is complicated. Watch our own Erik Walter break down the basics of funding alternatives in under three minutes.

Managing Workers’ Compensation Claims

Jared Martinelli, Business Risk Manager

In this video, I outline the importance of performing regular claims reviews and risk-control audits to manage and reduce Workers’ Compensation claims.

Keys to Keeping Auto Insurance ‘Road Ready’

Drew Gibbel, Personal Risk Manager

Auto insurance isn’t the “set it and forget it” coverage it SEEMS to be. Drew Gibbel explains some easy maintenance tips to make sure your coverage is there when you need it.

Empty Buildings Can Mean Empty Pocketbooks

Trent Hess, Business Insurance Professional

“Unfortunately, you’re not covered.” Watch this video to learn how to make sure you NEVER hear this when filing a claim for your vacant property.

Advantage of Antique Auto Policies

Drew Gibbel, Personal Risk Manager

If you have a classic or antique vehicle that’s going up in value and doesn’t see many miles each year, you want to ask us about an Agreed Value policy for that cool classic!

Additional Insurance Considerations for College-aged Kids

Jen Buch, Director of Administration

To follow up on my previous video, I wanted to review how an Auto Insurance policy changes for kids going to college. Also, be sure to check on a few things in your Health Insurance policy and warn your kids about ID theft!

Renewal comparison is a trap.

Brad Forney, President

Believing you have a good renewal—just because it’s not as bad as your neighbor’s—is costing you big time! In this video, I explain why.

The Importance of Hired & Non-owned Auto Coverage

Evan Becker, Business Client Advisor

If you have employees running errands or using their personal vehicles in your business, you could be at risk for uncovered claims. Listen to this video to learn how to plug that gap!

Do I need a Renter’s policy for my kids at college?

Jen Buch, Director of Administration

In this video, I discuss the Homeowners’ policy implications of having a child moving away to college. Whether they’re just starting college, or they’ve been there for a few years, be sure to listen. So many people are confused about this!

The benefit of Replacement Cost.

Jared Martinelli, Business Risk Manager

Watch this video to see how Replacement Costs on your Auto Insurance policy can benefit you in an accident.

The three most important numbers at Renewal.

Brad Forney, President

Traditional insurance companies want you to focus only on the smallest of the three most important numbers to examine at renewal.

Five restaurant insurance hacks.

Evan Becker, Business Client Advisor

Here’s my 5-step Restaurant Insurance “cheat code” to get your restaurant insurance costs down. Most restaurant owners and managers are very busy—so we created this quick video to help you focus on the most effective ways to reduce your insurance costs!

Actual Cash Value vs. Replacement Cost

Jared Martinelli, Business Risk Manager

This video illustrates what would happen if you had a major loss to your home with Actual Cash Value loss settlement versus Replacement Cost. The difference can be dramatic.

$1,000,000,000 insurance claim.

Trent Hess, Business Insurance Professional

In this video, you’ll learn from the mistakes of two trucking companies in Florida. Their negligence led to the tragic death of an 18-year-old student and one of the highest jury verdicts in an auto accident in history.

Health Insurance companies don’t mind large claims.

Brad Forney, President

Another perception trap around Health Insurance is that they don’t like claims activity. Nothing could be further from the truth.

What insurance is needed when you become a landlord?

Drew Gibbel, Personal Risk Manager

I discuss situations where you would need a Dwelling Fire or Commercial Insurance for a rental property rather than a Homeowner’s policy.

Health Insurance Premium is not your healthcare cost.

Brad Forney, President

We see a lot of misperceptions—we call them perception traps because they have been laid out by the traditional insurance industry—in health insurance. Be sure to follow my next few videos that discuss these perception traps.

Disaster planning tips for your household.

Jen Buch, Director of Administration

It’s unpleasant to consider, but having a plan of action if disaster strikes is as important for your family as it is for your business.

The benefits of a Captive Health Insurance Plan.

Tina Wilt, Employee Benefits Specialist

Some self-funded plans are still bundled solutions from large providers. In this video, I describe how we implemented a Captive Health Insurance Plan for an employer group.

How inflation affects your Property Insurance.

Trent Hess, Business Insurance Professional

The dramatic rise in construction costs is degrading your insurance coverage. In this video, I describe how we helped a local church get the right Property Insurance.

The thought behind our 30-second commercial.

Jared Martinelli, Business Risk Manager

In this video, I talk about how we struggled to quickly describe the hard work BCF Group does to protect and educate our clients. At the end, I give our 30-second commercial, which hits all our major points of impact.

The thought behind our 30-second commercial.

Jared Martinelli, Business Risk Manager

In this video, I talk about how we struggled to quickly describe the hard work BCF Group does to protect and educate our clients. At the end, I give our 30-second commercial, which hits all our major points of impact.

Why don’t more of us have life insurance?

Jared Martinelli, Business Risk Manager

Many of your peers don’t have any or enough life insurance. In this video, we discuss some of the obstacles, real and imagined, that block people from getting this important protection.

How to capture prescription drug savings with rebates.

Erik Walter, Employee Benefits Analyst

Many “off the shelf” health plans generate their revenue by keeping prescription drug rebates issued by the manufacturers. Watch this video to learn more about prescription drug rebates and how your company can recapture those lost revenues.

Advantages of Direct Primary Care plans.

Evan Becker, Business Client Advisor

Direct Primary Care contracts make routine doctor’s visits more effective and efficient. In this video, we describe the key advantages we believe make Direct Primary Care a valuable addition to your employee health plan.

Not at fault? File a claim with your auto insurance carrier.

Trent Hess, Business Insurance Professional

In this video, we discuss reasons why you should file a claim with YOUR auto insurance carrier, even if you don’t think you’re at fault.

The best time to get Life Insurance.

Jared Martinelli, Business Risk Manager

The best time to buy life insurance is right now. This may seem like a cliché, but in this video I explain why it’s the absolute truth.

State minimum auto insurance is not enough.

Drew Gibbel, Personal Risk Manager

In this video, we discuss how low State Minimum insurance is and why we don’t recommend this type of coverage.

Who needs liquor liability insurance?

Evan Becker, Business Client Advisor

This video includes some of the factors that determine your rating and premium for liquor liability insurance in Pennsylvania.

The commercial auto insurance market is hardening.

Trent Hess, Business Insurance Professional

Check out our short video about how the commercial auto insurance market is hardening. We also give a few ideas on what you can do about it.

Alternatives DO exist to save you money.

Brad Forney, President

BCF Group prides itself on being on the cutting edge of cost containment strategies for self-funded health plans. Here are a few of the ways we help organizations deliver excellent benefits to their employees while reducing their own expenses.

How proper coverage mitigates disaster.

Evan Becker, Business Client Advisor

Product Recall insurance or product contamination coverage is a specialized coverage that many people think is automatically included in their policy. The truth is you need a special, stand-alone policy to get the appropriate coverage.

Insurance for new businesses: what you need to know.

Jared Martinelli, Business Risk Manager

Folks looking to start a new business rarely think about insurance as one of their top priorities, but getting connected with an experienced risk advisor, particularly one who has worked extensively with start-ups, is crucial to your early success.

Bundled plans: why you’re overpaying and what to do.

Tina Wilt, Employee Benefits Specialist

Today I wanted to explain some of the ways we turbocharge your self-funded health insurance and provide you with high-performance health plans!

Cyber Insurance: What you need to know.

Trent Hess, Business Insurance Professional

In this video, I describe how Cyber insurance reacts to ransomware attacks, which are becoming more common and targeting a wider range of industries.

Common claims at restaurants.

Evan Becker, Business Client Advisor

This video is a must-watch if you own or operate a restaurant! I discuss the two most common workers’ comp claims restaurants face and how to avoid them.

Comprehensive vs. Collision: what you need to know.

Drew Gibbel, Personal Risk Manager

Here’s my number-one tip for lowering your auto insurance premium when adding a child to your policy!

Non-traditional employee healthcare benefits.

Tina Wilt, Employee Benefits Specialist

Check out my video! I describe how a self-funded health insurance plan can improve your employees’ experience and lower your health insurance cost structure.

Accident not your fault?

Trent Hess, Business Insurance Professional

Here are my tips for what to do when you’re in an auto accident. Hint: Objective documentation is key!

Property value: what you need to know.

Jared Martinelli, Business Risk Manager

In this video, I discuss the importance of having the proper building values scheduled on your insurance and some problems that happen when you don’t!