A nonprofit publication of the Kentucky Center for Public Service Journalism

Five health insurance plans currently unavailable on federal marketplace; enrollment through Dec. 15

Through Dec. 15, 2020, Kentuckians in 120 counties may enroll in health insurance coverage that takes effect Jan. 1, 2021. Enrollment is open on the federal Health Insurance Marketplace, with health coverage strongly encouraged as the COVID-19 pandemic continues. Five health plans offered in 2021 for Kentuckians on the federal marketplace (www.healthcare.gov), offered by CareSource Kentucky Company,...

Dr. Dale Toney: As pandemic continues, access to health care more vital than ever for Kentuckians

Insurance plays a vital role for everyone in our health care system, whether you’re enrolled in Medicare, Medicaid, an employer-sponsored plan or one off the marketplace. But what happens if insurers refuse to cover the vital services you need to manage your health and connect with your doctors? This has been a growing concern among patients and their physicians for years but has escalated as we...

Keven Moore: The risks and hazards of events — for event-planners, event-goers, here’s a heads-up

Every week all across America cities, counties, schools, businesses, committees, groups, nonprofit organizations…etc.; plan and host events. These events range from festivals, concerts, fairs, fundraisers, homecomings, pep rallies, car shows, parades, carnivals, parties, social events, auctions, ceremonies, …etc. A special event is defined as a non-routine activity within a community, group or...

Keven Moore: Sewer and backup coverage is a must for most homeowners; here’s what you need to know

I have been in the commercial insurance industry working as a risk management & safety professional now for 27 years, and have owned a homeowners insurance policy now for a total of 29 years and have been lucky enough to have never turned in an insurance claim.  Working for an insurance agency that also provides personal lines and writes thousands of homeowner policies, I have overheard my fair...

Keven Moore: Driving with snow and ice on top of your hood is dangerous and may be illegal

It’s January and once again it’s that time of the year in Kentucky when we are most at risk to receive a major snowfall for our region, and unlike our childhood, many of us don’t get the luxury of staying home on a snow day.  For those less fortunate and don’t have the luxury of a garage for your vehicle, scraping the ice and snow off of your windshield is pretty much the last thing many of...

Keven Moore: Escape Rooms are a popular, trendy form of entertainment — but are they dangerous?

Around the world, Escape Rooms are a booming form of entertainment that has swept this country in the last few years. An Escape Room, also known as an “escape game,” is a live‐action team‐based game where players are confined inside a space and must cooperatively discover clues, solve puzzles, and accomplish tasks in one or more rooms in order to progress and accomplish a specific...

BBB Trends: Choose your moving company carefully; here’s what to look for and what to do

Moving a business or moving to a new home takes a lot of organizing, planning, and patience. Choosing someone to pick up all of your belongings and take them to another location is a scary prospect, and sometimes the details involved with moving aren’t exactly clear before the first box is packed.  Know this: you have rights and responsibilities that protect both you and the moving company that...

Keven Moore: How safe is your child’s summer camp; check it out and look for ACA accreditation

This time of the year parents everywhere are scrambling to plan out their summer schedule, including summer camps for the kids. Summer camps for kids today could mean weeks of wilderness immersion with time spent swimming, rock climbing, singing and making crafts and making wonderful memories. For many children, summer camp is a right of passage. There are camps for about every interest – swimming,...

BBB Trends: Unsettled weather? Beware of lurking storm chasers — don’t let emotions get best of you

Storm chasers are people who follow severe weather hoping to get business from victims whose homes have been damaged by storms. They follow weather reports and sometimes will arrive in town before the storm even hits and are ready to pounce as soon as the weather breaks. After the storm hits, they’ll target areas hardest hit by damage because they “just so happen” to notice the homes have storm...

Keven Moore: Change is good — but include your insurance agent to go in the right direction

What is the definition of heaven? Well, for me I could say – for a brief time until Bud Selig and Major League Baseball woke me out of my dream – it was the day I was hired at Roeding Insurance in 2001 and later learned that we insured the Cincinnati Reds and they needed my loss control assistance. As a loss control consultant, I have been in and out of all sorts of businesses and industries, adding...

Keven Moore: It’s neither a bird nor a plane — OSHA is now using drones to improve inspections

It’s a bird. It’s a plane. No…it’s an Occupational Safety and Health Administration drone? What? That’s right, folks, OSHA is in the midst of a technological revolution and has moved into the 21st century and is now using Unmanned Aircraft Systems to improve safety inspections. Whether these drones are called Unmanned Aerial Vehicles (UAVs), Miniature Pilotless Aircraft or Flying Mini...

Keven Moore: Getting closer to George Jetson’s age, think of the time saved — and of the risks

By Keven Moore Special to NKyTribune The days where George Jetson hops in his flying saucer-like car from his Skypad Apartments in Orbit City to go to work at Spacely’s Space Sprockets may still a bit seem farfetched, but we are closer than you would have ever imagined. A world where traffic jams and road rage will no longer exist; where commuters could sleep in an extra 30 minutes and apply...

Keven Moore: The insurance industry is a career option — check it out and consider the possibilities

The year was 1993 and as a 29-year-old and I had just graduated from the Loss Prevention & Safety Master’s Program at Eastern Kentucky University. My wife and I had just driven to St. Louis for a job interview for Venture Department Stores and it had snowed 17 inches the night before the interview. The next morning I left plenty early not knowing for sure that I would make it to my destination,...

DPL Financial Partners announces $3.6 million investment in Louisville facility creating 40 jobs

DPL Financial Partners LLC, an independent insurance consulting firm, announced Monday a planned expansion in Louisville with a $3.6 million-plus investment expected to create 40 full-time jobs “Louisville is an ideal location for our growing firm,” said David Lau, DPL founder and CEO. “We’ve attracted experienced, talented individuals to our team and appreciate the governor’s support as...

Keven Moore: Truncated domes cause injuries and are unsafe, not at all what they were meant to be

Many of us have cursed these teeth rattling mine-fields called truncated domes, detectable domes, or tactical pavers while pushing a grocery cart out to our cars, wondering what genius thought that placing them in front of a grocery store or pharmacy was a good idea. We have our federal government to thank for these accident-prone obstacle courses that haunt the elderly many others dealing with balance...

Keven Moore: Small business are lifeblood of our economy, need to protect from pitfall of no insurance

Small businesses are the lifeblood of our economy, and every major company was once a small business. Some of the more notable businesses started in a garage such as the likes as Amazon, Apple, Google, Harley Davidson, Disney, Mattel, Yankee Candle, Hewlett Packard, and more. There are some 28 million small businesses in America and approximately 543K new businesses are started each month, of which...

Keven Moore: Blue Grass Stockyards a sad loss to community — and a reminder for business owners

Last Saturday the city of Lexington experienced one of the largest fires in its history when the Blue Grass Stockyards burned to the ground. A total of 120 firefighters responded to the fire in order to contain it — luckily no lives were lost or firefighters injured, but twenty cattle inside the main building did die in the fire. If the fire had started a day or two later, there very well could...

Keven Moore: Without insurance, our
world would be a very different place to live

  An old certificate issued by Republic Fire Insurance Co. of New York (From Wikimedia Commons)   I have worked in the insurance industry now for some 20-plus years and am proud of the good work my colleagues and I do for our clients and communities. Our industry as a whole is responsible for putting countless families and businesses back together after a wrecks, fires and tragic events...

Keven Moore on Insurance: Inherent risks
in turning 50 — and life lessons to match

To live life is to encounter risks, and to turn 50 is to see the ice thinning. It is my job, as a risk management professional, to help my readers onto solid ground. (Photo from Microsoft)   In the words of the famous poet formerly known as Prince: Dearly beloved, we are gathered here today to get through this thing called life. He then proceeds to warn us, ‘Cause in this life things are...

2013 Review: A salute to our faithful, interesting stable of regular columnists

KyForward is celebrating its third end-of-year review with you, happy that we can revisit an abundance of rich, deep content by writers who share their experiences and expertise on a regular basis. These fine writers have helped us accomplish one of our primary goals when KyForward was created – to provide a forum for a variety of voices on a wide and deep range of subjects that inform and entertain...