Archive For December, 2013

Home Matters: Private Mortgage Insurance

By | December 20, 2013

Purchasing a home is a dream for most. For those who cannot afford the 20 percent down payment, private mortgage insurance (PMI) can make that dream a reality. Here’s how:   What is PMI? If you default on your mortgage, PMI protects your financial institution from losing money. In general, PMI is not required when […]

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Home Matters: Prevent Water Damage Before it’s Too Late

By | December 20, 2013

Did you know that the cause of one of the most common homeowners insurance claims is completely preventable? It’s not fires or theft; it’s water damage. This is not damage due to flooding, heavy rain storms or snow on the roof – rather, it’s due to simple maintenance tasks that are often ignored or go […]

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Home Matters: Protect Your Home While You Are Away

By | December 20, 2013

Unfortunately, no one is completely immune from theft. Whether you’re looking to protect your home while you are away on vacation or simply away at work, your first line of defense is to thwart burglars. Consider the following tips: Home Protection Tips Contact your local police department to request that an officer visits your home […]

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Homeowner Insights: January 2014 Newsletter

By | December 20, 2013

Cold Weather Got You Down? Many people suffer from Seasonal Affective Disorder (SAD) during the winter months. This recurring depression subsides in spring and summer. While the cause is unknown, experts suspect that an increased level of melatonin in the blood could be the main contributing factor. Melatonin increases the need and desire to sleep, […]

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Cyber Risks and Liabilities: VoIP Internet Protocol Security

By | December 20, 2013

The allure of Voice over Internet Protocol (VoIP) technology—using an Internet connection to make phone calls—is dazzling, but do not get blinded by the novelty. Before adopting VoIP for your business, you should consider its unique benefits and risks. The Technology VoIP, also known as IP telephony, relies on digital technology rather than traditional analogue […]

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Cyber Risks and Liabilities: Basic Loss Control Techniques

By | December 20, 2013

Protecting your business from cyber risks can be an overwhelming venture. A new day means more viruses are being discovered, more spam is being delivered to your inbox and yet another well-known company is the victim of a data breach.   The world will never be free of cyber risks, but there are many loss […]

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Cyber Risks & Liabilities: Cyber Security for Small Businesses

By | December 20, 2013

High-profile cyber attacks on companies such as Sony and Zappos have raised awareness of the growing threat of cyber crime. Recent surveys conducted by the Small Business Authority, Symantec and the National Cybersecurity Alliance suggest that many small business owners are still operating under a false sense of cyber security. The statistics of these studies […]

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Cyber Risks and Liabilities: CGL vs. Specialized Cyber Liability Coverage

By | December 20, 2013

The only way to protect the assets of your business is to carry adequate Commercial General Liability (CGL) Insurance. A CGL policy protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable. CGL is usually triggered first in the event of a loss, […]

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Cyber Risks and Liabilities – Winter Newsletter

By | December 20, 2013

Biggest Threats of 2013 and Forecasting 2014 As 2013 winds down and 2014 begins, industry experts have offered their take on the biggest cyber-security threats of the past year and predicted the trends we are likely to see in the near future. Russian computer security company Kaspersky Lab recently released its list of the top […]

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Construction Safety Matters: Manual Material Handling

By | December 20, 2013

For construction workers and contractors, repetitive motions, poor lifting and unsafe handling injuries are some of the most common. Coincidentally, they are also usually preventable by practicing safe lifting techniques. Use these helpful ergonomic guidelines to lift any size load without causing injury to yourself or others. Pre-Lifting Techniques Determine whether or not you will […]

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