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Personal Insurance

Ways to Save on Gas

By Personal Insurance

Ways to Save on Gas
Regardless of the price of a gallon of gas, it is always great to be able to save. Often, the small 
things we do can add up to big fuel savings. If you are looking to spend less money at the pump, 
here are some easy things you can start doing today. 

• Lighten your load—Extra weight decreases gas mileage.
• Avoid long idles—Idling for only one minute consumes the same amount of gas that is 
required for starting your engine.
• Plan your trip ahead of time—Consolidate your trip to places that are close to one another. 
• Open the windows—Instead of blasting the air conditioning on a hot day, open the windows or 
use your car vents, which circulate outside air.
• Get your oil changed—Stay up-to-date on oil changes. They should be done approximately 
every 3,000 miles for conventional motor oil. 
• Drive slower—You can improve your gas mileage by nearly 20% by driving 55 mph instead of 
65 mph.
• Maintain your tires—Keep your tires properly inflated and aligned and perform regular 
maintenance checks on your tires.
• Drive smart—Be sure to accelerate gradually from a dead stop, rather than stomping on the 
gas pedal.
• Verify your rating—Make sure you are selecting the right octane rating at the pump.

Prioritize Fuel Efficiency When Buying Your Next Vehicle
Considering buying a new or used vehicle? Before making a purchase, check the gas mileage 
ratings of similar vehicles of interest to you. Then, narrow down your options on a model that is fuel- efficient in the size category that meets your needs. 

How a Pandemic Further Defined Our Culture

By Personal Insurance

I was recently asked to sit down with an up-and-coming business owner to discuss how BHI’s culture was built. I told him that you do not define your culture, your culture defines you. I explained that, in my opinion, an organization’s culture is defined by its actions, by what it encourages and rewards, and what it tolerates. BHI’s culture promotes a “work hard, play hard” mentality from the reception desk all the way to the CEO’s desk. Our mission statement promises to field a team committed to executing a vision of growth, while maintaining a client-focused culture and giving back to our community. When COVID-19 began to show its ugly face in the 1st Quarter, BHI was forced to consider the impact to our team, our clients, and our community. We knew that the uncertainty facing us, our ability to succeed in 2020 would require us to be fluid with our decision making, creative with our planning, and impactful with our execution.

As the pandemic began to disrupt nearly every aspect of our lives, BHI quickly realized that 2020 was not going to be a normal year. We knew that we would have to balance the safety and well-being of our team with the importance of our culture, work performance, and overall morale. We immediately allowed those employees that were high risk, or uncomfortable coming into the office, to work from home. Meanwhile many of our employees quickly found themselves adding the role of school teacher to their resume. BHI was very fortunate that our IT Provider, LanPros, Inc., already had us set-up to be able to work remotely and our nearly 30 employees transitioned to working from their homes, continuing to provide the amazing service our clients are accustomed to and deserve. While our team continued to perform at a high level in a remote work environment, we felt that it was difficult to maintain our unique cultural without being under the same roof. With our office already set up to be socially distanced, we began to reintroduce all non-high-risk employees back into the office in September and set up a QDRO for the purpose of reimbursing employees for childcare costs that were incurred by them coming into the office. BHI felt compelled to support those employees that would have to incur an expense with their children being educated virtually. With many of our employees taking advantage of this program, we are extending it through the end of the year and will continue offering this program until COVID-19 is no-longer causing a hardship.

To further enhance our culture, BHI is big on team-building events as we feel it brings the entire company closer and rewards the hard work and successes of our team. Prior to COVID-19, there were several events planned for 2020, including the entire company going to the Phillies’ home opener game, our annual trip to a country concert at the Delaware State Fair, and our fall BBQ for our business partners. As these events were cancelled one by one, BHI was very concerned that our mentality and the heart of our culture would change from “work hard, play hard” to “all work and no play.” After some creative brainstorming, we decided to have a company corn hole tournament as it allowed us to stay socially distanced. Our team had such a great time that it will now be an annual event. In December, we created what will also be an annual tradition with our BHI Family Movie Day. BHI rented an entire movie theater, inviting our employees and their families for a private showing of a holiday favorite, The Polar Express. Hopefully, Santa will be able to visit next year.

When I look back at 2020, I am very proud of BHI’s ability to give back to our community. Every year we are normally very active in supporting the non-profits that provide incredible service to our communities, but this year we have nearly doubled our charitable contributions in 2020. The hospitality industry, which is near and dear to my heart, was drastically impacted early on with the closure of sit-down dining. To show our support for restaurants in those early months, BHI purchased take-out lunch from a different client every day, for our employees still coming into the office. Over a 6-week period in the summer, we partnered with Platinum Dining Group, Martuscelli Restaurant Group, and Jack’s Country Maid Deli of Elsmere to deliver 1,000 meals to frontline healthcare workers and first responders. We also purchased 5,000 face masks, donating them to many of our clients that were impacted by the new COVID-19 guidelines for operating their businesses. And finally, in November, when the new round of restrictions once again impacted restaurants and bars, the #BHIBuys campaign was created, reimbursing up to 25% of a patron’s bill for visiting one of our clients’ establishments.

To say that 2020 has been a challenging year for many would be a gross understatement. For many, it is difficult to find the silver lining amid the disruption, and in some cases, devastation that COVID-19 has caused on the business community. As this year comes to a close and we get time to reflect on an unprecedented year, I feel a great sense of pride to look back on how our team has responded and in doing so, further defined our already very unique culture.


John  joined  BHI  in  2006  as  a  part-time  advisor,  became  a  partner  in  2010  and President/CEO  in  2016.  His  primary  role  is  that  of  an  insurance  advisor,  working  with industry leaders to implement insurance and risk management strategies that are a best fit for each client. In addition to John’s role as an advisor, he oversees all financial and strategic initiatives for BHI. He has experience dealing with multiple insurance strategies, including   guaranteed cost,   loss   sensitive   and   captive   insurance   programs,   for organizations and businesses across most industries. John is licensed to sell insurance in 43 states and to date, has sold over $100,000,000 in Property & Casualty Insurance premiums. Most  recently,  John  has  been  honored  by  Delaware  Business  Times  as  one  of  their  40 Under 40 Leaders. DBT presents this award to “role models who are striving to make a difference in our community.” Under John’s leadership, BHI was also named a Fastest 50 award winner, signaling BHI’s growth and placement as a premier brokerage in the Mid- Atlantic region. A lifelong Delawarean, John resides in Hockessin with his two children, Jack and Bailey.

This article is featured on Delaware Business Times – BIZINSIGHTS. For full access, click here

Renting Your Home to Others

By Personal Insurance

Liabilities of Renting Your Home

If you are considering renting out your home, take the following considerations to heart before doing so.

Renting To Do’s

  • Draw up a rental agreement that defines the terms of the rental, including restrictions, liabilities and occupancy guidelines.
  • Ask for references from potential renters, especially those that will stay for a while.
  • Request a security deposit to be refunded if there is no damage to your home.
  • Contact B+H Insurance, LLC about your plan to rent out your home and ask about how this may affect your current coverage.
  • If you are renting for a long period of time, consider hiring a “property manager” to look out for your house while you are away.

Protecting Your Personal Property

  • Set aside a locked place in your home to store personal items such as clothing and valuables.
  • Take valuable items to a locked storage facility, a family member’s home or a bank vault.
  • Change alarm codes after you are done renting.
  • Provide keys to only one door of your residence so that you have to change only one lock after the renters leave.
  • Photograph and videotape all areas of your home before the rental takes place in case damage occurs while you are away.
  • Tell your neighbors that you are renting and ask that they watch over your home.
  • Have your mail forwarded or held until you return.
  • Provide your contact information for both the renters and your neighbors in case of an emergency.
  • Provide the renters with a list of service providers, such as plumbers and electricians, in case of a water leak or furnace failure.

Contact B+H Insurance, LLC at 302-995-2247 today to learn more about the risks of renting your home.

Families First Coronavirus Act (FFCRA)

By Personal Insurance

Please see below for the latest on FFCRA – updated DOL guidance, a Q&A doc, and IRS guidance on the tax credits.

Visit the DOL website for more Q&As, fact sheets, posters, etc. You must comply with the notice provisions below by April 1, 2020.

Delaware Health and Social Services, Division of Public Health released a notice on Essential Services Screening Recommendations for COVID-19, also below.

DOL Guidance on FFCRA Employer Leave Requirements

Families First Coronavirus Response Act – Questions and Answers

IRS Issues Guidance on Tax Credits for Coronavirus (COVID-19) Paid Leave

FFCRA Poster

Essential Services Screening Policy



Homeowners Insurance Policy Q&A

By Personal Insurance

Know Your Insurance

The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you to minimize any coverage surprises.

What property and perils are excluded from my policy?

Typically, coverage does not apply to damage caused by flood, surface water, water that backs up through sewers or drains, earth movement, nuclear damage, war, etc. Personal liability and medical payments do not apply to the operation, ownership, use, etc., of any aircraft, automobile, RV, water craft powered by more than 50 horsepower motor; bodily injury or physical damage caused by an intentional act of the insured.
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BHI is Insurance. Done Differently.

By Business Insurance, Group Benefits, HR Services, Insurance, Personal Insurance, Safety Services

John Boykin
President & CEO

Business owners have so much on their plate these days, and many times the last thing on their mind is insurance. As a business owner, what do you think about when someone says the word “insurance”? Does it bore you? Do you roll your eyes? When was the last time you reviewed your insurance portfolio? Even the word itself has a bit of an outdated and traditional undertone. We get it, and we’re doing everything we can to change the market and our client and prospects’ antiquated outlook on “insurance.” We believe it’s one of the most important pieces to put in place for business continuity and not worthless paper stacked on a shelf that you hope you never have to use!

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We Are BHI

By Business Insurance, Employee Benefits, HR Services, Personal Insurance, Safety Services

We are BHI

An independent insurance agency that provides Insurance,
Benefits, Human Resources, and Safety Solutions
to businesses and individuals in
the mid-Atlantic and beyond.



We’re here when you need us most.
Call, email or stop by.
111 Ruthar Drive
Newark, DE 19711
Phone: 302-995-2247
Fax: 302-995-2220


Personal Lines Meet the Team

By Personal Insurance

WHAT is Personal Lines insurance?

    • Personal Lines insurance includes property and casualty insurance products that protect individuals from losses they couldn’t afford to cover on their own. Types of personal insurance include auto, home, renters, flood, valuable possessions, watercraft, RV, motorcycle, umbrella, etc. We highly recommend that our clients cover ALL their valuable personal property.

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OSHA Accepting Electronically Submitted Injury, Illness Reports

By Personal Insurance

U.S. Labor Department’s OSHA Accepting Electronically Submitted Injury, Illness Reports Through December 31


WASHINGTON, DC – The U.S. Department of Labor’s Occupational Safety and Health Administration (OSHA) will continue accepting 2016 OSHA Form 300A data through the Injury Tracking Application (ITA) until midnight on December 31, 2017. OSHA will not take enforcement action against those employers who submit their reports after the December 15, 2017, deadline but before December 31, 2017, final entry date. Starting January 1, 2018, the ITA will no longer accept the 2016 data. Read More