What Every College Student (and Parent) Should Know About Insurance

What Every College Student (and Parent) Should Know About Insurance College can be an exciting time for young people. It often serves as the first major step on the road to independence. For a parent, it can be both exciting and sad to watch your child leave home. This time also can be fraught with worries. Will they get enough to eat? Will they succeed without help? Will they and their possessions be safe away from home? The last question, of course, is a significant concern and, for parents of first-time college students, the ins and outs of insurance coverages
Read More

7 Tips to Prevent Identity ‘ID’ Theft

In Today’s World, It’s Not A Matter of If, But When You’ll Be Impacted By Identity Theft. Not only do we have coverage for ID Theft, here are 7 tips you can easily do to prevent Identity Theft. Every two seconds there’s a new victim of identity fraud*.  We can provide our customers with the protection needed from ID Theft with LifeStages Identity Management Services. This is a personalized service that provides proactive education, risk-reduction strategies, identity theft protection, privacy management, and unlimited 24/7 resolution support to help fight identity theft and fraud.  This is more than just detection and
Read More

Are You Covered When an Employee Claims Harassment, Discrimination?

Are You Covered When an Employee Claims Harassment, Discrimination? You probably never want to imagine a situation in which an employee, a former employee or an employment candidate sues your business for sexual harassment or discrimination (on the basis of, for example, age, sex, race or disability). Unfortunately, though, it does happen. Sexual harassment has been in the news media spotlight a lot lately, following allegations of inappropriate behavior made against celebrities and public figures. These days, hiring, firing and day-to-day employee management can be risky business. Responding to charges like these can cost thousands of dollars, even when allegations
Read More

Ways to Prevent Porch Pirates from Pilfering Your Packages

Ways to Prevent Porch Pirates from Pilfering Your Packages There’s almost nothing more convenient than online ordering. But when your work hours don’t align with the delivery schedule, it can leave a nice crime of opportunity for package thieves. One study by InsuranceQuotes.com estimates that 23 million Americans have had a package swiped from their doorstep before they could retrieve it. With two-thirds of Americans reporting they shop online at least once a month, the problem is likely to stick around. Here are a few steps to protect your deliveries from so-called “porch pirates.” Go-go gadget. Various smart gadgets on the market can be helpful devices
Read More

Staying Afloat in a Sea of Social Media Lawsuits

Staying Afloat in a Sea of Social Media Lawsuits For businesses, small and large alike, having an online and social media presence is not only a competitive advantage, it is absolutely imperative. This competitive edge enables businesses to engage with customers directly and build their brand, however, they also leave businesses vulnerable to potentially expensive legal actions. What your business puts online, from disparaging comments about a competitor to copyrighted information, your company is liable. Cyber Liability In order to best protect your business, acquiring media-liability coverage under a cyber liability policy usually offers the best coverage for these potential
Read More

Safety Awareness. It’s easy to be safe with these simple tips.

May is Safety Awareness Month Seat Belt Safety For the majority of us behind the wheel, we are buckled in before the car even begins to move. Or, at least that is how it is supposed to be. Seat belts are an essential safety device in your vehicle that can save you from major injuries in a minor accident and could even save your life in the event of a major accident. The Facts: According to the National Highway Traffic Safety Administration (NHTSA), one of the safest choices for drivers and passengers alike is to buckle up. In 2015 the
Read More

Getting the Safest Car for Your Teenager

Whether it is a gift for graduation, birthday surprise, or time for your teen’s first car, getting the safest vehicle is a priority for many without spending a fortune. The Insurance Institute for Highway Safety (IIHS) was founded in 1959 with a mission to support safety efforts produced by others but years later became the forefront of highway safety research. Each year IIHS publishes a list of the safest cars for teen drivers. With safety as their number one priority, IIHS has added even more criteria to their used car ratings guides in order to generate a list of vehicles
Read More

5 Tips for a Safe Summer that You Probably Never Thought Of

Winter is finally over, and the weather is beginning to warm up, which means summer is right around the corner. And we have 5 tips for you to have a fun, safe, and happy summer. Now our idea of safe and happy is to make sure you are protected and worry free. Just a few minutes of review can save your summer from the unfortunate. Trampoline and Pool Liability: If your summer fun includes jumping into the pool or jumping on a trampoline then this needs to be on your checklist. Whatever your choice may be, there are risks of
Read More

6 Spring Cleaning Tips to Prevent Homeowners Insurance Claims . . . And possibly save you money.

Winter is almost over and the warm weather is rapidly approaching. That means it’s time for Spring Cleaning. But, in addition to making the house feel clean and refreshed, there are a few things that you should do that will help prevent some costly homeowners’ insurance claims. And a penny saved is a penny that can be spent elsewhere. So here are the top 6 super-easy things you should do this spring (while you are doing your regular cleaning, of course). Change the air filters in your HVAC (heating, ventilation and air conditioning) – Changing the filter can extend the
Read More

The 5 Most Effective Home Winterization Tips

The 5 Most Effective Home Winterization Tips We are experiencing one of the lowest temperatures on record according to some experts. Mixed in with some unseasonable spring weather in January. But then again it seems to get colder each year, making it imperative that our homes are always properly winterized. That said, there are a couple of things you can do to keep your home warm and energy efficient during the winter. The below winterization tips should help keep your home warm and frustration free through the winter. Prevent busted and leaked pipes with insulation One of the most common complaints
Read More