The Property Risks You Might Have Overlooked

You buy homeowners insurance to protect your home from damage or loss due to fire, theft, vandalism and more. But without certain important coverages, your policy could leave you short of the funds needed to rebuild and recover. Continue reading “The Property Risks You Might Have Overlooked”

Renting Out That Extra Room: Know Your Risks

Home rental clearinghouses such as Airbnb and VRBO make it easy for homeowners to rent out a spare bedroom or a second home when they aren’t using it. This might sound like a good way to earn extra money. Before diving in, consider the risks and your insurance coverage. Continue reading “Renting Out That Extra Room: Know Your Risks”

Social Media and Your Liability Risks

Should you worry about the content of your teen’s tweets or your spouse’s Pinterest posts? All it takes is for one tweet to veer away from commentary to defamation, or one image to invade another’s privacy, and you could face a lawsuit.

Continue reading “Social Media and Your Liability Risks”

Protecting Your Family from Dog Bite Liability

The Insurance Information Institute (III) reported that dog bite claims cost an average of $24,461 in 2008 (the most recent figures available). If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? Continue reading “Protecting Your Family from Dog Bite Liability”

E-Cigarettes and Your Health

Electronic cigarettes, or e-cigarettes, are growing in popularity. How will they affect your health…and your insurance coverages?

Tobacco vs. E-Cigarettes

Cigarette smoke contains more than 4,700 chemical compounds, Continue reading “E-Cigarettes and Your Health”

Protect Yourself from Carbon Monoxide Poisoning

Carbon monoxide poisoning causes an estimated 15,200 people to visit an emergency room or miss at least one day of work per year. But because carbon monoxide exposure creates nonspecific effects that are easily misdiagnosed, the actual toll of carbon monoxide poisoning is probably much higher. Continue reading “Protect Yourself from Carbon Monoxide Poisoning”

Bullying: Another Form of Workplace Violence

A bully in your workplace can affect morale, increasing stress levels for fellow employees—and possibly increasing your workers’ compensation costs. Continue reading “Bullying: Another Form of Workplace Violence”

Should I Get Mobile Phone Insurance?

And you thought dropping your cell phone in a puddle was bad. Recently, a friend’s daughter accidentally dropped her brand-new iPhone in a porta-potty at a high school football game. To make matters worse, this was the second time she’d lost or damaged a phone in only a few months. Continue reading “Should I Get Mobile Phone Insurance?”

How To Handle a Claim

We hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Continue reading “How To Handle a Claim”

10 Cyber Security Tips for Small Business

Target and its customers are continuing to feel the repercussions of a massive data breach, where hackers gained access to data from some 40 million debit and credit cards of Target shoppers during the holiday season. The lesson for other businesses is clear: If the country’s third-largest retailer, with its resources and sophisticated systems, can have a data breach, any business can. Continue reading “10 Cyber Security Tips for Small Business”