--- title: Veritas Risk Management & Insurance Services Blog (4) description: Trying to learn more about insurance, safety, & risk management? We send out information weekly to help you protect your family and/or your business. (4) --- [Skip to the main content.](https://education.veritasrm.com/page/4#main-content) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png?width=679&height=124&name=Screenshot_2022-07-27_161347-removebg-preview.png "Veritas Insurance")](https://veritasrm.com/) [![Veritas Insurance](https://education.veritasrm.com/hs-fs/hubfs/veritasrm-1.png?width=1000&height=145&name=veritasrm-1.png "Veritas Insurance")](https://veritasrm.com/) - Get Insurance - [Business Insurance](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) Search *Search* Toggle Menu Search *Search* Toggle Menu - Get Insurance *Toggle Menu* - [Business Insurance *Toggle Menu*](https://veritasrm.com/insure-your-business/) - [Types of Coverage](https://veritasrm.com/insure-your-business/business-insurance/) - [Personal Insurance](https://veritasrm.com/personal/) - About Us *Toggle Menu* - [Companies We Represent](https://veritasrm.com/companies-we-represent/) - [Contact Us](https://veritasrm.com/contact-us/) - [Meet Our Team *Toggle Menu*](https://veritasrm.com/meet-our-team/) - [Andrew Darlington](https://veritasrm.com/andrew-darlington/) - [Tammy Collins](https://veritasrm.com/tammy-collins/) - [Regina Davis](https://veritasrm.com/regina-davis/) - [Jennifer Plaisted](https://veritasrm.com/jennifer-plaisted/) - [Tony Dale](https://veritasrm.com/tony-dale/) - [Jonathan Lugo](https://veritasrm.com/jonathan-lugo/) - [Laryn Hurley](https://veritasrm.com/laryn-hurley/) - [Sheri Taylor](https://veritasrm.com/sheri-taylor/) - [Lynn Hodge](https://veritasrm.com/lynn-hodge/) - [Heather Trent](https://veritasrm.com/heather-trent/) - [Andy Warner](https://veritasrm.com/andy-warner/) - [Sarrah Rossi](https://veritasrm.com/sarrah-rossi/) - [Refer Us and Win](https://veritasrm.com/refer-us-and-win/) - [Blog](https://education.veritasrm.com) [*Facebook*](https://education.veritasrm.com/page/4#0) [*Instagram*](https://education.veritasrm.com/page/4#0) [*LinkedIn*](https://education.veritasrm.com/page/4#0) [*Twitter*](https://education.veritasrm.com/page/4#0) [*Youtube*](https://education.veritasrm.com/page/4#0) [*Medium*](https://education.veritasrm.com/page/4#0) # Veritas Blog Explore the basics of different insurance types and discover how knowing your coverage details can protect you. Our blog features easy-to-read articles that highlight the importance of proper coverage. Learn more and ensure you’re fully protected—simply and clearly. Additionally, stay up to date on our work in the community! ##### Sign Up Today [![](https://education.veritasrm.com/hs-fs/hubfs/Group%20Medicare_%20Everything%20you%20need%20to%20know.png?width=675&height=675&name=Group%20Medicare_%20Everything%20you%20need%20to%20know.png)](https://education.veritasrm.com/group-medicare) 5 min read #### [Group Medicare: Everything You Need to Know](https://education.veritasrm.com/group-medicare) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): May 15, 2025 at 10:54 PM Medicare is a federal health insurance program in the United States that primarily provides coverage for Americans aged 65 and older. It also covers... [Group Health Insurance](https://education.veritasrm.com/tag/group-health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg?width=1000&height=667&name=Hand%20about%20to%20bang%20gavel%20on%20sounding%20block%20in%20the%20court%20room.jpeg)](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule) 2 min read #### [Elimination of the Anniversary Rating Date Rule](https://education.veritasrm.com/elimination-of-the-anniversary-rating-date-rule) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): May 1, 2025 at 10:33 AM The National Council on Compensation Insurance, Inc. (NCCI) eliminated the anniversary rating date (ARD) rule on May 1, 2017. The ARD is defined as... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![Veritas HSA Savings](https://education.veritasrm.com/hs-fs/hubfs/DALL%C2%B7E%202025-02-05%2010.36.37%20-%20A%20visually%20engaging%20image%20showcasing%20the%20financial%20benefits%20of%20a%20Health%20Savings%20Account%20(HSA).%20The%20image%20features%20a%20large%20glass%20jar%20labeled%20HSA%20Savin.webp?width=1024&height=1024&name=DALL%C2%B7E%202025-02-05%2010.36.37%20-%20A%20visually%20engaging%20image%20showcasing%20the%20financial%20benefits%20of%20a%20Health%20Savings%20Account%20(HSA).%20The%20image%20features%20a%20large%20glass%20jar%20labeled%20HSA%20Savin.webp)](https://education.veritasrm.com/supercharge-your-savings-unlocking-the-tax-advantages-of-an-hsa-in-tn) 2 min read #### [Supercharge Your Savings: Unlocking the Tax Advantages of an HSA in TN](https://education.veritasrm.com/supercharge-your-savings-unlocking-the-tax-advantages-of-an-hsa-in-tn) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): February 5, 2025 at 10:39 AM Are you looking for a smarter way to manage your healthcare expenses and boost your savings? In Tennessee, a Health Savings Account (HSA) might be... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Imported_Blog_Media/pexels-pixabay-260367-768x511.jpg?width=768&height=511&name=pexels-pixabay-260367-768x511.jpg)](https://education.veritasrm.com/prevent-electrical-fires) 2 min read #### [Smart Loss Control Techniques to Prevent Electrical Fires](https://education.veritasrm.com/prevent-electrical-fires) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): January 16, 2025 at 9:00 AM Your home should be a safe haven, but unfortunately, fires pose a significant risk. While cooking and heating are the primary causes of residential... [Home Insurance](https://education.veritasrm.com/tag/home-insurance) [Fire Protection](https://education.veritasrm.com/tag/fire-protection) [![](https://education.veritasrm.com/hs-fs/hubfs/Wrecked%20Car.jpg?width=576&height=591&name=Wrecked%20Car.jpg)](https://education.veritasrm.com/when-is-a-car-totaled) 2 min read #### [When is a Car Totaled? A Comprehensive Guide to Total Loss & Insurance Claims](https://education.veritasrm.com/when-is-a-car-totaled) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): January 14, 2025 at 5:29 PM Dealing with a totaled car can be stressful. This comprehensive guide explains everything you need to know about total loss vehicles, from how... [Auto Insurance](https://education.veritasrm.com/tag/auto-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/truck-driver-insurance-1.jpg?width=590&height=451&name=truck-driver-insurance-1.jpg)](https://education.veritasrm.com/how-much-insurance-coverage-should-a-tow-truck-operator-have) 1 min read #### [How Much Insurance Coverage should a Tow Truck Operator have?](https://education.veritasrm.com/how-much-insurance-coverage-should-a-tow-truck-operator-have) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): November 20, 2024 at 5:49 PM The amount of insurance coverage that a tow truck operator should have depends on a number of factors, including the size of the business, the number... [![](https://education.veritasrm.com/hs-fs/hubfs/Veritas%20Risk%20Management%20(YouTube%20Thumbnail).jpg?width=1280&height=720&name=Veritas%20Risk%20Management%20(YouTube%20Thumbnail).jpg)](https://education.veritasrm.com/what-do-i-do-when-my-neighbors-tree-falls-in-my-yard) 3 min read #### [What Do I Do When My Neighbor's Tree Falls In My Yard?](https://education.veritasrm.com/what-do-i-do-when-my-neighbors-tree-falls-in-my-yard) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): November 20, 2024 at 12:15 PM Imagine a heavy storm sweeping through your neighborhood, and the next morning, you find a large tree from your neighbor’s yard resting on your lawn.... [Home Insurance](https://education.veritasrm.com/tag/home-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Truck-Operators.jpg?width=1600&height=1066&name=Truck-Operators.jpg)](https://education.veritasrm.com/what-is-the-best-way-for-a-tow-truck-operator-to-properly-secure-vehicles) 1 min read #### [How Should A Tow Truck Operator Properly Secure Vehicles?](https://education.veritasrm.com/what-is-the-best-way-for-a-tow-truck-operator-to-properly-secure-vehicles) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): November 11, 2024 at 5:49 PM Properly securing vehicles is a crucial part of the towing process for tow truck operators. Here are some best practices for properly securing... [![](https://education.veritasrm.com/hs-fs/hubfs/Untitled%20design.jpg?width=1080&height=1350&name=Untitled%20design.jpg)](https://education.veritasrm.com/what-are-the-best-practices-for-preventing-claims-for-tow-truck-operators) 1 min read #### [How to Prevent Claims for Tow Truck Operators](https://education.veritasrm.com/what-are-the-best-practices-for-preventing-claims-for-tow-truck-operators) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): November 8, 2024 at 5:48 PM As a tow truck operator, it's important to take proactive measures to prevent claims and reduce the risk of accidents and damage to vehicles. Here... [![](https://education.veritasrm.com/hs-fs/hubfs/garage-keepers-liability-coverage.jpg?width=800&height=500&name=garage-keepers-liability-coverage.jpg)](https://education.veritasrm.com/how-about-the-tow-truck-insurance-garagekeepers) 2 min read #### [How about the Tow Truck Insurance Garagekeepers?](https://education.veritasrm.com/how-about-the-tow-truck-insurance-garagekeepers) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): November 6, 2024 at 5:45 PM As a tow truck business owner, you know that your business involves taking custody of other people's vehicles. While you take great care in handling... 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