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CEO Message
// September 6, 2018

Many of us live every day without thinking much about the water we use. We take for granted the accessibility of fresh, clean water. We turn it on to brush our teeth, take a shower, wash our hands, cook, fill our water bottle and much more. Imagine waking up without a faucet nearby and the…

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Professional
// September 6, 2018

It’s been a year since the #MeToo movement was born. The stories that poured out of Hollywood brought harassment in the workplace to light, and the traction hasn’t slowed down since. The #MeToo movement may have started in Hollywood, but it doesn’t stop there. It brought awareness, education and transparency to the world. So how…

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Services
// September 6, 2018

In this ever-evolving world of technology and screen time, we are constantly bombarded by online ads throughout our day. Therefore, it is surprising to consider that 48 percent of people retain direct mail for future reference and more than half find print marketing to be the most trustworthy type of marketing (Alliance Business Services). That…

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Nonprofit
// September 6, 2018

While it may seem like summer just started, we now find ourselves jumping right into September and back-to-school season. While academics are always at the forefront of a student’s obligations, extracurricular activities account for a significant amount of students’ school experiences. Many academic-led initiatives and extracurricular activities are supported and organized by nonprofit organizations such…

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Commercial
// September 6, 2018

As the weather starts to cool and fall creeps in, the holiday season is right around the corner. For many, the holidays represent a busy season for their side-jobs, but for others, like Santa characters, the season may be their primary source of revenue. According to MarketWatch.com, some Santa characters are able to generate as…

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Liquor
// September 6, 2018

Bar and restaurant sales in the U.S. were close to $800 billion in 2017 (The National Restaurant Association’s 2017 State of the Industry Report). With over 1 million establishments in the U.S. alone, this industry makes up 10 percent of the overall workforce. In addition, there has been increased growth in brewpub establishments that focus…

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Personal
// September 6, 2018

One of the most overlooked optional coverages available to investment property owners today is personal injury coverage. This coverage is typically not automatically included in homeowners or dwelling package policies issued today and instead must be added via endorsement. Take the 2002 ISO Personal Liability form (DL 24 01) as an example; while this form…

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Commercial
// September 6, 2018

Determining whether an individual is an employee or an independent contractor can seem like a puzzle too complicated to attempt. Why decide at all? In fact, distinguishing between the two is very important in the world of contractors, specifically in the janitorial industry. Categorizing a worker as an employee or independent contractor dictates how an…

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DPSI
// September 6, 2018

Summer may be winding down, but back-to-school season is in full swing. This annual tradition of purchasing clothing, stationery and electronics is the second biggest shopping event of the year. According to the National Retail Federation, total spending for this season is projected to reach $82.8 billion. In an era of smartphones, it might be…

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DPSI
// September 6, 2018

Directors and officers can be held personally liable for decisions they make on behalf of a company. Many companies purchase a Directors and Officers (D&O) policy to protect both the entity and individual directors and officers. A typical D&O policy form includes three insuring agreements known as “sides”: Side A – Provides coverage to directors…

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