• Scam URLS to Watch for When Shopping

    Nearly 36% of all online retail fraud reports to Better Business Bureau Scam Tracker start when the consumer is lured to a fake website, which tries to impersonate a well-known brand name retailer.

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  • Beware on Black Friday

    Friday is the biggest shopping day of the year and scammers/hackers are primed to steal your information.  Here are some things to guard for:

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  • Winterize your pipes

    With freezing weather coming our way, it is a good time to prepare your home.  Here are some tasks that will help to protect your pipes and more from freezing.

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  • Remembering on Veterans Day

    Honoring all who served.

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  • Autumn Maintenance Honey Do List

    Lots to do before Winter kicks in and here are some maintenance tips to help start to prepare:

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  • Beware of Halloween Candy

    This Halloween our children may be targeted with candy that has been tainted with fentanyl and other dangerous drugs.

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  • Worried about being underinsured

    According to Steve Hallo in his recent article on Property/Casualty 360, more than half of home and auto policyholders worry about being underinsured.

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  • Breast Cancer Awareness

    Every October we focus on breast cancer awareness. From runs to fairs, resources are available to bring you the latest in breast cancer treatments and advances.  Breast cancer is the most common cancer among American women.

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  • Cyber Awareness Month

    Since 2004, October has been designated as Cyber Awareness Month.  Now more than ever, it is critical for businesses and individuals to protect their information. Take the time this month to implement the following:

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  • Child Safety Devises

    With our children back to school, some walking and some taking the bus, we worry about our children’s safety.  Here are some emergency safety devises to get your child the help they need immediately.

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  • 9/11 Rememberances

    Throughout this weekend and on beyond Monday, we will all remember exactly where we were on 9/11.  We will remember the pictures, the bravery of the men and women in New York, Pennsylvania, and the Pentagon.

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  • Wonder why we celebrate Labor Day?

    We are all used to a long Labor Day weekend, but do you know when Labor Day was started? 

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  • School Buses

    With students back to school and taking the bus, it is good to review a couple of safety tips.

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  • School Supplies

    Well, it is finally here, the children are going back to school.  Most schools give parents a list of what the student needs; but, if you are not sure what supplies they need, here are recommendations by grade courtesy of school + supplies.

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  • Are you aware of Employee Retention Credits?

    Enacted in March of 2020, as part of the CARES Act, business owners can apply for a refundable tax credit designed to reward business owners for retaining employees throughout the COVID-19 pandemic.  This credit is available for both small- and mid-sized businesses.  You can get up to $26,000 per employee.

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  • Sun & Your Skins

    Summer is a great time to spend outdoors especially at the beach.  Protecting your skin from skin cancer requires you to protect yourself.  Here are tips to stay safe in the sun: from sunscreen to sunglasses courtesy of the US Food & Drug Administration.

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  • Hot Weather & Food

    Hot weather can increase the risk of foodborne illnesses. The microbes that cause food poisoning flourish in warmer temperatures. Using a few simple food safety techniques will help you avoid food poisoning at your next outdoor gathering.

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  • Planning a barbecue this weekend?

    Every year there are 5,700 grill fires, causing $37 million in damages, 100 injuries and 10 fatalities occur. July is National Grilling Month and to keep you from becoming one of these statistics, we have some tips to follow according to the U.S. Fire Administration.

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  • Keeping Cool in Summer Heat

    If your business has employees that works outdoors, Summertime brings challenges.  How do you keep your employees cool and able to work in extreme temperatures?

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  • 4th of July Safety

    Want to wish you and yours a very happy 4th of July.  To help keep you safe, we have these tips regarding fireworks, animals, and food.

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  • Thing about getting a dog?

    If you saw the Westminster Dog Show, you saw a bloodhound win Best in Show.  After watching this show, you may want to go out and adopt a dog. But did you know there are certain breeds you should avoid from an insurance standpoint.

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  • Happy Father's Day

    Sunday is Father’s Day - to all the fathers we want to wish you a Happy Father’s Day.  You are always there for your children with love, guidance, and patience.  Enjoy your day.

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  • Avoid Drinking and Piloting a Boat

    If you saw the news lately, you saw that a family was killed by a drunken boat driver.  We all want to have fun on the water but drinking and handling a boat are two different things.

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  • Preparing for boat season

    It’s here.  Launching your boat for the season.  But, before you do so, here are some maintenance tips to get you ready.  Create your list and check the tasks off one at a time.

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  • Remembering on Memorial Day

    To those who are serving, those who have served, and to those that paid the ultimate price, we remember them all this Memorial Day.

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  • Businesses Spring CleaningTips

    Steve Hallo from NU Property Casualty 360 in a recent article wrote about an increase in severe weather and storms for the upcoming hurricane season.

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  • Getting Ready for Barbecue Season

    May is known as National Barbecue Month, so we thought we post some grilling safety tips, courtesy of First Alert, to get you started.

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  • Celebrating Mother's Day

    Mother’s Day honors the mother of the family or individual, as well as motherhood, maternal bonds, and the influence of mothers in society.  It is always celebrated on the second Sunday in May and started as a women’s movement to better the lives of other Americans.

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  • National Small Business Week

    From May 1-7, National Small Business Week honors those entrepreneurs in our country who have introduced a large variety of new ideas to grow our economy.

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  • What is affecting general liability pricing?

    Have you been noticing that general liability has steadily trended upward.  To help you control your costs, know your risks.

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  • Wonder about the history of Easter Egg Hunts?

    With Easter this weekend, communities are celebrating not only with church services but with Easter Egg Hunts.  Ever wonder when they began and why?

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  • Foundation Damage Prevention

    Spring brings with it rain – lots of it.  One area that can be seriously affected and often forgotten is your foundation. Damage can average around $4,000 to up to $10,000 or more.

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  • Cybersecurity Dos and Don'ts for 2022

    Businesses are challenged daily with cyber warfare.  To try to keep your business safe, here is a list of Dos and Don’ts which you should consider.

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  • Passwords

    Trying to remember passwords for all your applications and devises can drive you crazy. You leave them on stickies on your computer display, under the keyboard, or in your top drawer.

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  • Bad weather predicted

    Looks like we are in for heavy winds and inclement weather.  Make sure that you have secured any outdoor furniture, garbage cans, and children’s toys.

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  • Eye Strain

    According to the American Optometric Association, two or more hours of continuous daily use of digital screens can cause computer vision syndrome (CVS).¹ Sustained viewing of screens can increase the likelihood of CVS and related symptoms, such as eye fatigue, blurred vision, headaches, itchy and tired eyes, and neck/shoulder pain. Review these tips to help minimize eye strain.

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  • Heart Health

    With February being American Heart Month, it’s a good time to look at heart-healthy foods and what you can do to reduce heart disease, the number one killer of Americans.

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  • Workplace Security

    With security/cyber breaches a frequent occurrence, it is imperative that a small business put in place the security protocols to protect their business when employees are working remotely.

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  • Prevent Frozen Pipes

    Cold weather is affecting our area and with it frozen pipes.  To help prevent frozen pipes here are some tips from the Travelers.

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  • Small Business Privacy Protection

    Data breaches and cybersecurity threats can threaten the security and privacy of a small business. A cyber attack, for instance, can result in stolen personal data from customers. Some of this data might later be used for identity or credit card theft purposes.

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  • Driving in Inclement Weather

    With snow, ice, and heavy rain across the United States, it’s critical you know how to drive in these conditions.

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  • Emergency Go Bag

    With the inclement weather across the US, it is time to make sure you have a Go Bag in your vehicles.  Just look at the people trapped on US-95 in Virginia without blankets, water, and more.

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  • Happy Holidays 2021

    All of us at the agency want to wish you and yours a Merry Christmas and Happy Holiday.  We thank all of our clients for their support and look forward to working with them in 2022.  Be safe and healthy.

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  • 10 Toys to Avoid Buying This Holiday

    Every year, the World Against Toys Causing Harm publishes their list of the top ten toys you should avoid buying for holiday gifts.  Take a look at the list:

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  • Gizmos That Make Perfect Gifts

    Looking for a unique gift for under $60, then take a list of this list of gadgets and gizmos.

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  • Holiday Cooking

    We are all doing it -  cooking like crazy from turkeys to Christmas/Hanukah cookies, we are spending lots of time in the kitchen.  However, with all the frenzied activities, we let safety slip.  Take a moment to review these tips to ensure a safe, blaze free holiday season, courtesy of NFPA:

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  • Support Local Businesses

    November 27th is Small Business Saturday.  Small businesses are the heart of our communities.  Shop at a local retailer to find that unique gift or eat at a local restaurant this weekend.  According to the American Express Shop Small Impact Survey, 56 percent of small businesses surveyed said this year’s Small Business Saturday event is more critical than ever for their business. Looking ahead to the new year, 78 percent said holiday sales will impact their ability to keep their doors open in 2022.  Small Business Saturday 2021 could help to boost small-business owners who continue to face difficulties during the pandemic.

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  • Family Literacy

    With the holiday fast approaching, it is a great time for the whole family to get together to enjoy some reading.  When you read to your children, you instill in them the fundamental skills for success in their later years in school and life.

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  • New Tool for Employees

    As workers are struggling to make ends meet and the coronavirus pandemic drags on, companies are offering a new way to get paid – every day.

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  • Turn Your Clocks Back

    This weekend ends Daylight Savings Time.  Set your clocks back an hour on Sunday at 2:00 am or as we do before retiring to bed on Saturday giving you another hour of sleep.  YEAH!

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  • Ransomware and the holidays

    Holidays are the perfect time for an increase in ransomware risks. In 2020 reported losses from cybersecurity complains exceeded $4.1 billion or a 69% increase from 2019.

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  • Halloween & Fun

    Looking for ways to have fun for Halloween, here are treats you can create with your families:

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  • Celebrate National Hispanic Americans

    October celebrates National Hispanic American Month.  As members of our community, you bring a rich heritage and history, culture, and achievements to the United States.  Thank you for all you do.

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  • October is Anti-Bullying Month

    The aim of anti-bullying month is to prevent bullying from happening.  It is designed to hold schools accountable when they fail to protect our children and to force them to take appropriate steps to respond to bullying.  Bullying can come in many forms, and victims can feel helpless or unsure of how to stop the situation. While bystander intervention is an effective way to stop bullying in real-time, understanding how it can be prevented can be even more important.

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  • Fall is Officially Here!

    The autumnal equinox occurred on September 22nd.  Fall is officially here and with it comes your honey-do lists preparing your home.  Here are some home maintenance tips from the Travelers Risk Control professionals to help you prepare for the coming winter.

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  • Do Hackers Return?

    According to Atlas VPM data, half of businesses worldwide have been affected by recurring attacks from the SAME hacker.  The data also revealed that 61% of companies hacked did not remediate the breaches, leaving the company and its data vulnerable to attack.  From phishing emails and cloud-based attacks to cyberattacks on remote workers and ransomware, cybercrime is up by 600 percent.

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  • Solemn Weekend

    Twenty years tomorrow we will remember the almost 3,000 people who lost their lives.  We honor the first responders who never hesitated but ran to assist those in the two towers, the Pentagon, and in Pennsylvania.   Talk to your children about how we all came together with such patriotism that we haven’t seen since.  We are the greatest country in the world and “we will never forget.”

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  • September is National Preparedness Month

    With forest fires and hurricanes hitting all across the US, it’s time to raise the importance of preparing for disasters and emergencies. There are plenty of resources to assist you during September to help you prepare.  Ready.gov/September features four weekly posts – Make a Plan, Build a Kit, Low-Cost, No-Cost Preparedness, and Teach Youth About Preparedness.

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  • Hiking in the Wilderness

    With Fall coming, family hiking is a great activity.  However,  being aware of both your surroundings and what to watch for can make your day a happy and safe one.

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  • Seniors and Car Safety

    Ever wonder as you grow older, what car you should choose for safety, one that is easy to drive,  safe, and has the technology to help avoid common mistakes that lead to accidents.  In a recent issue of Aging IQ, experts suggest tips for ensuring your safety behind the wheel.

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  • Insurance Myths To Be Aware Of

    Consumers are often confused about what insurance covers and what it doesn’t.  Property Casualty 360 helps demystify some of the myths.

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  • Traveling Safely in Your RV

    Hitting the road this summer in your RV, here are some tips to keep you and your family safe.  Over 43.6 million people will travel the roads, many of them in RVs.

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  • Traveling By Car This Summer

    With more and more people planning road trips, you need to be even more attentive due to distracted drivers.  According to the NSC, more than 700 people daily are injured by distracted driving crashes.  The cause – talking on the cellphone or texting/programming in-vehicle systems.

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  • Dogs in Hot Weather

    Dogs can’t perspire, so how do they keep cool?  They pant.  They also release heat through paw pads and nose to regulate their body temperature and keep cool.

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  • Beat The Heat

    We’re in the midst of summer and seeing record temperatures.  It is important that we remind workers on the danger of working in the heat.

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  • Fear of connected cars cyber vulnerabiities growing

    When you think of cyber attacks, you think of breaches of credit cards, banking accounts, and businesses.  But did you think about a cyber attack on your car?  That’s right – a cyber attack.

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  • Fireworks Safety

    What would the 4th of July be without fireworks.  Can’t imagine.  But they are deadly.  In 2020, eighteen people in the US died after episodes involving fireworks according to the Consumer Product Safety Commission, and that doesn’t include those who were seriously injured.

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  • June Weddings

    June is the most popular month to get married, simply because of the mild weather.  There is a saying that “for those who marry in June, you’re a bride all your life.”  Here some facts about June weddings:

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  • Happy Father's Day - June 20th

    “When my father didn’t have my hand, he had my back”Linda Poindexter

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  • Graduations - Time to Celebrate

    June is graduation month and parents are faced with how to keep their teens safe.  Here are some tips from the Partnership to End Addition that might help:

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  • 2021 Hurricane Season

    Hurricane Season – 2021 is shaping up to see 13 to 20 named storms, 6 to 10 to become hurricanes for the East Coast and 2 to 5 tropical cyclones predicted for the Central Pacific hurricane region.  With tropical storms comes lots of rain and that means flooding.  Make sure your to-go-bag is ready and you know your evacuation routes.  Don’t drive through standing water.  And last, contact our agency for a flood quote.  Just two inches of water can cause significant damage.

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  • Memorial Day 2021

    Honoring all who served. Take a moment this holiday weekend to remember all who served and all who paid the ultimate price to protect our country. 

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  • Support Your Local Restaurant - Eat Out

    It has been a hard year and many restaurants have closed during the pandemic.  According to the National Restaurant Association revenue is down by $240 billion. Over 110,000 restaurants are temporarily or permanently closed.

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  • Small Business Month

    Small businesses represent over 99% of the 28.7 million firms.  The vast majority have fewer than 20 employees and nearly 40% of all enterprises representing under $100k in revenue, according to JP Morgan Chase.  So it is fitting that the month of May celebrates the small business owners.

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  • Happy Mother's Day

    A mother is your first friend, your best friend, your forever friend. (Unknown).

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  • Pandemic is changing Employee Benefits

    According to Tim Allen, Harvard Business Review, companies are recognizing that employee benefits can be life-changing for their workforce, especially those centered around care, flexibility, and mental health.  Many employers in order to better support their employees and their business are planning to revise their benefit strategies.

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  • Alarming Surge in Ransomware Attacks

    Ransomware attacks have surged about 200% in the past two years according to Insurance Thought Leadership.  Severity is up too, with the average demand exploding from roughly $10,00 to $100,000.  Armed with increasingly inexpensive tools, hackers are expanding where and what they target.  There are even developers who sell or lease ransomware, offering Ransomware-as-a-Service (Raas).

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  • Spring and Floods

    With the weather changing and heavy rains upon, flooding is a certainty.  Here are the ten top facts every consumer should know about the National Flood Insurance Program (NFIP)

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  • Happy Easter

    On behalf of our agency we wish you a blessed and safe Easter Holiday.

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  • Daylight Savings Time

    Daylight Savings is this Sunday – don’t forget to set you clock forward.  Looks like you you lose an hour of sleep.  Some people have trouble adjusting to the one hour change.  It is recommended that you keep your schedule and get seven to eight hours of sound sleep and go to bed a little early the night before.  If your sleep cycle is out of whack, driving can be a bad idea.  One study showed that fatal traffic accidents increase the Monday after both time changes.

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  • Protect Your Phone Data

    With all the data that is on your phone, there are quite a few tech makers who do not protect your privacy.  So what do you do?  Here are some tips from Firefox:

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  • Why The Surge in Car Thefts?

    A puzzling invitation to auto theft is increasingly sitting in the unoccupied car’s cup holder—the key fob. After many years of car theft declines arising from improved technology, we are now seeing a surge in this unfortunate crime. This spree, worsened perhaps by the pandemic, can be attributed to largely one factor: human carelessness. No hot wire is needed!

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  • Saturday is National Love Your Pet Day

    This weekend is the perfect time to thank your pets for their companionship especially during these times when you are stuck at home with restricted activities.  They are there with undying love and ready to put a smile on your face.

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  • Happy Valentine's Day

    If you are planning on giving a keepsake at Valentine’s Day, we want to remind you to obtain insurance coverage for it.  You can add the item to your homeowners’, or depending on the value, obtain a jewelry policy.

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  • Least Reliable Cars for 2021

    It’s that time of year when Consumer Reports’ publishes their various reports on the auto industry.  Here is a list of the ten most unreliable vehicles with the greatest risk of problems:

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  • Dangers of Space Heaters

    It is always nice to be snuggley and warm during the winter nights, but many of us use space heaters to keep us warm.  They can be dangerous and the biggest threat is fire. Fire is caused by the overloading of circuits and power failures. Last year, there were 55,000 fires, 450 deaths, and more than 1,500 injuries due to space heaters.

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  • Prevent Skin Irritation

    With all the hand hygiene everyone has been doing during the COVID pandemic, many of us are experiencing skin irritations.

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  • Start the Year Off With Business Continuity Review

    With so many situations affecting our businesses this past year, such as COVID-19, lock downs, and remote employees,  it is important to review annually your procedures to restore critical business functions in the event of an unplanned disaster.  These disasters could include natural disasters, security breaches, service outages, and other potential threats.

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  • Keeping Pets Safe During the Holidays

    With so much going on this season regarding decorations and lights, your furry babies are thrilled.  However, to safeguard your pets, see the following:

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  • Cyber Security Events

    With ransomware and phishing attacks on the rise, companies must continuously focus on cyber risks to protect assets and customers.

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  • Be Safe on Thanksgiving

    With Thanksgiving just days away, we want to pass along some turkey safety tips:

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  • Avoid Fines by Training Workers

    Not training your workers regarding COVID-19 can result in fines and lawsuits.  Sixteen states have passed emergency temporary standards requiring employers to train their workers on COVID-19 workplace safety protocols.  Every state enforces things differently, so it is important you know what your state requires.

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  • Happy Labor Day

    A day to honor the hard work that you have put in.  A day to relax and enjoy.

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  • OSHA COVID-19 Materials

    OSHA has issued new posters and guidance booklets for businesses.  They are free and available in multiple languages.  Go to https://www.osha.gov/pls/publications/publication.searchresults?pSearch=coronavirus%7Cadd+to+cart and select the materials right for your business.

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  • August 12-18 is Safe & Sound Week

    Safe & Sound Week is a nationwide event held each August that recognizes the successes of workplace safety and health programs and offers information and ideas on how to keep American’s workers safe.OSHA has put together an entire program that features a webinar, course offerings, Safety & Health Program Recommended Practices, brochures, and much more.To participate, go to https://www.osha.gov/safeandsound/ and sign up toda p;We encourage you to take advantage of this program as it is free and offers great workplace practices for your employees.

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  • Natural Disasters and Your Pets

    We usually prepare for a flood, hurricane, tornado, or weather-related incident with a go bag, but have you prepared for your pets. Take a look at a couple of tips to consider:

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  • Important Protections for Working Safely in Summer Heat

    Temperatures are soaring across the United States and are creating hot and hazardous working conditions.  OSHA has issued a trade release with suggestions to help mitigate heat hazards.

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  • Safety Tips for Warm-Weather Work

    Employees should understand the factors that lead to heat susceptibility. With temperatures rising, it is a good time to review.

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  • Grill Safety

    Lots of barbecues are happening this weekend. It’s is no better time to pass along some grill safety tips to make sure your party is fun and incident fre p;Here are some statistics to illustrate the point.

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  • RV Safety

    Getting ready to explore the US in your RV. Take a look at these safety tips provided by Property Casualty 360 to ensure you have a wonderful risk-free trip.

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  • First Day of Summer

    Today is the first day of summer and the longest day of the year. Your children are out of school, and vacation plans are underway. Get prepared for summer by following these maintenance tips provided by Heather Turner from Property/Casualty 360:

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  • Happy Father's Day

    To all the fathers we hope you have a great weekend. May you enjoy the celebrations of Father’s Day with your children and father. We send warm greetings to you all.

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  • Teen Drivers & Summer Driving

    School is wrapping up for the year, and teen drivers are ready to hit the road this summer.

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  • Hurricane Season Starts June 1st

    Hurricane Season officially begins June 1st. This Spring has been tumultuous with weather activities such as tornadoes, heavy rain and flooding. Now, Hurricane Season is here and experts predict 13 named storms. While activity is slow in the beginning of the season, now is the time to purchase a flood policy to protect your home or business from the devasting effects of water and flooding. Remember, It takes 30-days for a policy to take effect.

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  • Memorial Day

    Please take a moment this weekend to honor all those who have served and died for our country. It is because of them that we enjoy the freedoms we have. Happy Memorial Day!

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  • Cyber Drills - Minimize Risk

    Most companies will suffer a cyberattack at some point. Making a plan and practicing for a cyber event can help minimize risk and expedite recovery.

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  • National Small Business Week - Attend an SBA Online Conference - May 7-8

    As a small businessowner, it is difficult to keep up to date with the latest topics and issues. The SBA is offering a free online conference hosted by the US Small Business Administration and SCORE. For today and tomorrow you can register and attend all or pick and choose the sessions you wish to attend.

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  • Car Care Tips

    Spring is here and what better time to tackle the job of checking your car for any winter weather damage.

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  • Contractors and Water Damage

    Zurich has presented a series of innovative tools to help contractors prevent water damage on a construction site.

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  • Spring Lawn & Garden Checklist

    Gardner’s Edge has been assisting homeowners and avid gardeners since 2005. Follow their spring checklist to ensure a healthy, lush lawn and garden this season!

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  • Flooding This Spring

    Flooding is a coast-to-coast threat to parts of the United States nearly every day of the year. The National Weather Service has created a site to help keep you safe in a flood event.

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  • Spring Cleaning Checklist

    Make these 15 preventative maintenance tips part of your spring cleaning to-do list this year:

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  • March Wind

    Weather has a definite impact on your home. March typically signifies the start of destructive spring weather patterns, such as hail, tornadoes, wind, and lightning according to HVAC Investigators. Over $2 billion in damages have been paid out by insurers.

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  • Businesses Using Chatbots in 2019

    2019 is predicted to see an increase in the number of businesses using chat bots.

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  • Daylight Savings Time Arrives Sunday, March 11th

    Don’t forget that Daylight Savings Time kicks in on Sunda p;You need to move your clocks ahead an hou p;There goes an hour of slee p;But, you can feel safer that children will be leaving for school in daylight rather than in the dark.

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  • Flood Insurance - Why You Need It!

    No matter where you live, water causes severe damage. With winter thaw, flooding is more than possible. However, flood insurance is not part of your standard homeowners insurance.

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  • Cold Weather Playing Havoc

    Cold temperatures across the United States have caused consumers havoc both in their homes and in their cars.

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  • Happy Valentine's Day - Buying Jewelry?

    If you are considering buying jewelry for Valentine’s Day, here are five tips from Anne D’Innocenzio of The Associated Press.

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  • Super Bowl - Have Fun But Be Careful

    If you are celebrating the Super Bowl at a restaurant or sports bar, we’d like you to be safe.

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  • Small Business - Regulatory Issues

    To keep your business compliant in 2019, here are ten regulatory issues to watch out for:

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  • Corporations Top Concerns

    According to a recent survey conducted by Allianz in their annual Risk Barometer, the top perils to corporations are cyber incidents along with business interruption events. In addition, workforce skill shortages and legislative/regulatory changes rank as key concerns.

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  • 5 Homeowner's Resolutions for 2019

    To assist you in protecting your home in 2019, here are five tips to help prevent a claim.

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  • Spring Cleaning - Spring Begins

    With the start of Spring, it is now time to focus on getting our homes ready for the season.  Here’s a quick list of tasks recommended to launch spring properly.

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  • Prepare Your Business for 2019

    It is a fact that 25% of small businesses never reopen after a catastrophe. Here is a simple checklist to start 2019 with a good disaster-prep program:

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  • Holiday Candles and Fire

    We love them.  Holiday Candles smell so good and project a warm glow to our home.  But, they can be deadly.

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  • Damage of Ice

    Ice on the Roads

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  • Are you prepared for a cyber attack?

    With the invasion in Russia, Iran and China are posed to attack American businesses.  Is your business protected with cyber liability insurance?  Now is a good time to contact the agency and obtain a policy.  It is also a good time to test your cyber protocols and training.

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