Businesses are at a high risk in our litigious society; many exposures could cause claims that would be in excess of primary policy limits, and loss payments and defense costs are rising year after year. Do your customers have adequate layers of professional coverage to protect their businesses and nonprofit organizations? Clients typically need to…

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Cyber hackers and rogue employees have been terrorizing Coverage Town! Can you help us find the five suspects? Crime Scene 1   Home Run Sporting Goods was targeted by a hacker and was hit with a data breach, exposing credit and debit card numbers with expiration dates. State law required the Home Run to report…

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It’s proven that when we feel better, other areas of our life can improve. Taking care of ourselves – mind, body and soul – puts us on the right path to achieve happiness and well-being. This is why, several years ago, we started “Renewed You” – a fitness and nutrition program that challenges people at…

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As we move into 2017, it is important to look at forecasts of those industries that will have a direct impact on our businesses in the year to come. When it comes to the future of construction, Dodge has the answers. ConstructionDIVE, a top construction newsletter, calls the annual Outlook report from Dodge “a reliable…

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Eduardo owns a small daycare in a Spanish-speaking community with a staff of four. He knows he needs insurance, but as a member of a Hispanic community whose primary language is Spanish, he is looking for an agent who speaks his language and who can help explain his insurance needs and what’s available to him….

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“In a lawsuit, where damages can run to millions of dollars, [homeowners and auto liability] limits are simply insufficient,” says Ray Martin of MoneyWatch. He goes on to explain that insureds can lose their life savings in a large claim. A financial loss could significantly damage their reputation, finances and career. The same article encourages…

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This is a time when the need for inexpensive and temporary housing has never been greater in our country. More and more people are opting out of homeownership and choosing to rent. This trend has contributed to the increased popularity of mobile home parks or manufactured housing. The types of tenants extend across generations, including…

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According to the Bureau of Labor Statistics, the health care industry continues to explode, being one of the top three industries driving economic growth in the U.S. As our population ages and advances are made, this can only continue. In 2014, there were nearly one million home health aides, and, as one of the fastest…

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Religious leaders throughout the country hear this phrase on a daily basis. Every day priests, pastors, rabbis, ministers and other clergy are trusted to provide a broad range of counseling services for their congregations and communities, often times, when they’re at their most vulnerable. Marital counseling, parent/child relationship building, bereavement counseling, insights on faith-based virtues,…

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The food revolution in America has improved our eating habits, fueled competitive cooking shows on network television and expanded the range and quality of dining options. To date, we have not capitalized fully on the expanding restaurant and dining scene, as our traditional book of business focused on lower-end and smaller establishments. In a continuing…

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