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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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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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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Over 63 million Americans reside in communities such as condominiums, homeowners associations, planned unit developments or cooperatives. In the past few years, associations began offering unique amenities, and more and more homeowners are flocking to these large associations due to the extensive list of amenities. “Policing” the residents has become a necessity due to the…

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Social media can be a tough platform for a lot of businesses to break into; while these platforms are free to join, the investment comes with the time it takes to create posts and content that your audience will actually pay attention to. With over 88 percent of businesses in the U.S. using social media…

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With summertime on the horizon, seasonal retailers are beginning to open their doors, while some year-round retailers are preparing for their peak season. The summer can be the busiest time of year for many retailers such as florists, ice cream stores, nurseries, garden supply stores and bakeries. According to Forbes, with retail sales expected to…

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