Driving Hazards Brought on by Fall Weather Changes

Driving Hazards Brought on by Fall Weather Changes It’s that time! Changing weather and shorter days can affect your daily commute. Be prepared and stay alert this fall with these tips: Beware wet leaves! Precipitation increases as the weather cools down, bringing more rain and snow. This can lead to less grip for your tires, especially on wet leaves … and those wet leaves can be as slippery as ice. In wet conditions, be mindful of leaves on the road Make sure you have enough tread on your tires; driving with tires that are worn down can lead to hydroplaning,
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2019 NYS Labor Law Changes for Small Business Owners

2019 NYS Labor Law Changes for Small Business Owners As a business owner in New York State, there have been some recent changes to requirements and Labor Laws with which we must comply. As of October 09, 2019, all employers in NYS are required to adopt a sexual harassment prevention policy. Each employer that does not currently have a sexual harassment prevention policy in place is encouraged to adopt the NYS model policy. If an employer does have a prevention policy in force, they must ensure that their policy meets the minimum standards listed below: The policy must prohibit sexual
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Tips to Keep Your Football Tailgate Safe

Tips to Keep Your Football Tailgate Safe Football season has officially arrived. And with that, tailgating season has begun, too. We know what it takes to host a successful tailgate, but it’s important to keep yourself, your cars and your guests safe, too. Here’s what you need to know before the big tailgate…we mean game. Plan Ahead From what to eat, to how to pack, to what the weather is going to be like, it’s important to start with a plan. When you decide on what food you’ll be serving, make sure it’s stored properly (meaning the temperature and proximity
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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
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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
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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
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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
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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
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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
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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
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