April Showers Can Cause Water Damage

April showers bring May flowers, but they can also bring rainstorms that can cause flood damage to your property! Be sure to take the proper steps to protect your property. Check out FEMA’s “How to Prepare for a Flood,” which includes flood basics, info on emergency notifications and how to protect yourself before, during and…

What to Do After a Data Breach

The Equifax data breach has garnered a lot of news, and rightly so as it affected millions of consumers. The US Federal Trade Commission has released an article on five things consumers should do after a data breach. There are steps to take to help protect your information from being misused. Visit Equifax’s website, www.equifaxsecurity2017.com.…

Cyber Security Resources

October is National Cyber Security Awareness Month, and we’re doing a series of blog articles on Cyber Security. The US Department of Homeland Security has a wealth of resources freely available to the public on their website. Here’s some direct links to PDF documents on a variety of cyber security subjects. Social Media Guide Cybersecurity…

October is National Cyber Security Awareness Month

Homeland Security has named October National Cyber Security Month. Themes for 2017 have been announced! Week 1: October 2-6 – Theme: Simple Steps to Online Safety. All members of the public can take some simple actions to protect themselves online and to recover in the event a cyber incident occurs. Week 1 will address the…

Why do I need Business Interruption?

Originally established for the manufacturing industry, Business Interruption Insurance has evolved into an essential risk transfer tool for all industries. Coverage provides resources that aid in recovery and can help get a company back on its feet quickly. A small business owner ‘s restaurant in Mississippi was devastated by Hurricane Katrina, leaving her with a…

Restoring Your Business After a Flood

Floods can be miserable ordeals, even with extensive preparation. They can spring up with little to no warning and saddle you with the responsibility of a lengthy, expensive restoration period. Your business could be underwater in a flash, and you could be faced with mounting repair bills and extended interruption to your business. But floods…

Named Storm Deductibles

The heavy rainfall, high wind and storm surges associated with hurricanes and other intense storms can devastate any business, even those located hundreds of miles off a coast. Because these storms have the potential to cause tens of billions of dollars in damage, insurance providers generally use special, “named storm deductibles,” to provide coverage in…

House Passes Changes to Overtime Rules

On May 2, 2017, the House of Representatives passed the Working Families Flexibility Act (also known as H.R. 1180). If approved, H.R. 1180 would authorize private employers to offer compensatory time instead of overtime pay for nonexempt employees who work more than 40 hours per week. H.R. 1180 still needs approval from the Senate and…