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We all know someone who has been affected by breast cancer in some way. Whether it’s our family member, friend, neighbor or colleague who has been diagnosed, breast cancer impacts the lives of many. With the month of October upon us, we are reminded of the importance of breast cancer prevention, detection and treatment. Many…

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Insureds can find themselves in hot water if they fail to report claims promptly to their insurer. One of the most important provisions for insureds to keep in mind when reporting a directors and officers claim is the notice requirement. Although specific notice-requirement language may vary in directors and officers forms, the intent is always…

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Sales are dropping for some of America’s largest beer producers — so who is keeping the beer industry afloat? In a slightly down beer market, small and independent breweries saw growth in 2018. According to the Brewers Association, the craft beer market grew to $27.6 billion last year, which was a 7% increase from 2017…

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The cleaning industry has been growing consistently since 2009. It is now responsible for employing 3.5 million people in the U.S., according to a 2019 study by Franchise Help, an organization monitoring different sectors within the economy. Much of this growth can be attributed to the residential cleaning sector, due in large part to the…

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The last day of summer is just weeks away. For banquet halls and caterers, this means busy season is around the corner — the holidays are quickly approaching, and event hosts are likely beginning to plan their celebrations. Whether for a holiday party, a wedding, a fundraiser or a reunion, banquet halls and caterers step…

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With summer winding down, fall is in sight, school is back in session, and the focus has shifted from engaging children and young adults in outdoor activities to academic and extracurricular activities. Many academic and extracurricular activities are organized and supported by nonprofit organizations such as booster clubs. Funding reductions and budget cuts have profoundly…

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When it comes to insuring condo units, it is important to protect not only the condo unit itself, but also any common areas and property within the community. These common spaces are usually maintained using association dues — planting flowers, mowing the lawn, removing ice and snow, etc. — and include community pools, clubhouses and…

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In a study conducted by the American Pet Products Association in 2018, 68% of U.S. households have a pet, and 60.2 million of the pets in those households are dogs. As pet ownership rates rise, many businesses are becoming pet-friendly — from restaurants and hotels to sports venues and even yoga classes. Because of the…

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In 2018, alcohol sales in the U.S. reached an astonishing $253.8 billion (The Drinks Business). This was a $12.4 billion increase from 2017. Aside from a lot of zeros, these figures mean a huge opportunity for the liquor liability insurance industry. Anyone in the business of selling, serving or distributing alcohol has a need for…

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