Archive for the ‘Uncategorized’ Category

Ice Melt Methods

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Best Outdoor Ice Melting Tips for Sidewalk Safety

Winter ice and snow make your outdoor sidewalks and stairs extremely slippery. If someone visits your home and slips or falls, you will most likely be liable. Use the best ice melting solution to ensure safety around your property all winter.


Don’t Wait to Insure that Special Gift!

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So you have just purchased a lovely and expensive item, piece of jewelry or art for yourself or as a gift for someone you love.  You can hardly wait to get it home to use it, or put it in place of honor, or see your loved one’s surprise and delight when they open your thoughtful gift and exclaim “Oh, my!”  How pleased will that make you feel?  Big smile, yeah, that feeling is worth it!  More

Protect yourself from on-line crime

At the rate cyber crime is spreading, it’s now just a matter of time before you are impacted by some form of cyber attack. Identity Theft Protection and assistance services are highly recommended. In the meantime, do what you can to limit your exposure to on-line crime. Here are some helpful tips:

Any time you get online, including while you take online classes, you run the risk of having your identity stolen. Be vigilant and protect yourself with seven tips.


Back to school shopping: Insurance

The children are back at school. Together with the many lifestyle changes that they (and you) will be making this time of year, remember that it’s also important to give your insurance a tune-up.

A recent industry report recommends considering these items when Johnny or Sally leaves the nest:Moving back to school More

What’s the difference between an on-line insurance provider and an insurance agency?

Just as one might use a CPA to prepare their income taxes or an attorney to help them with their estate planning, many choose to use an insurance agency to write their insurance policies. This choice is mainly made because a person feels they need professional advice during the process. Of course, everyone will have different needs and circumstances surrounding their purchase, and this is why an insurance professional’s advice can be an invaluable asset. If you’re debating buying insurance online versus through insurance agency, then you should ask yourself a couple of questions: More

Deducing deductibles? Elementary, my dear Watson!

To determine the deductible that provides the greatest value for your insurance dollar, we believe Sherlock Holmes might have made a great insurance agent. Although insurance can sometimes seem complicated, choosing the best deductible for your personal situation can prove an elementary decision. More

Employment Practices Liability Insurance – Don’t go withouth it!

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Since new legislation is passed affecting employment practices liability yearly, we can only broadly describe areas of concern:

  1. Discrimination Claims come in three forms: overt discrimination, disparate treatment, and disparate impact. Overt Many companies are not insured for employment related practices claims.discrimination is purposeful and observable behavior, like firing all employees of one sex, age limit, or race. Disparate treatment concerns disciplinary actions for the same behavior. Perhaps women are written up if they’re late to work but men are not. The treatment is unequal and prevents moving upwards in the organization. Disparate impacts involves More

Product Liability or Professional Liability – Which one is right for you?

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Does your company provide a product or a service? Sounds  like a simple question, right? It’s not. Yet, it’s fundamental to insuring your  business.

Consider a software developer. If they develop an application or program that widely applies and it’s sold to the general public, it’s a product. If it’s  developed for a unique user, it’s a service. The difference from an insurance perspective is whether you need products liability or professional liability. More

Boiler & Machinery / Equipment Breadkdown Insurance

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Boiler and Machinery policies provide two major services. Insurance in the form of property coverage for damage to buildings, boilers, machinery and additional liability coverage in the event of an explosion. Second, a valuable inspection service for the covered property, which enables mechanical breakdown coverage to be provided.Industrial Heating and Cooling

This coverage is not available under other insurance policies. In many insurance companies, boiler and machinery has been re-titled equipment breakdown to reflect the more modern application. More