Cyber Security is a necessity.

A data breach can happen anywhere. Los Angeles was a prime example. Any business which operates a website, conducts transactions online, or stores personally identifiable information of its customers, clients and employees, such as birth dates, Social Security Numbers, credit card numbers and bank account information will need to consider Cyber Liability Insurance. Need us…

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New Reporting Requirements – OSHA Part 2

Effective Jan. 1, 2015, OSHA requires employers to report any work-related employee fatality within eight hours and inpatient hospitalization, amputation or loss of an eye within 24 hours. Employers have three options for reporting these severe incidents to OSHA. You can call the nearest area office during normal business hours, call the 24-hour OSHA hotline…

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Love Local Charities – Coastal Hospice & Palliative Care

I have seen first-hand the loving support offered by Coastal Hospice as they help patients with life-limiting conditions. It is nothing short of miraculous.   One of the newer initiatives is Coastal Kids Supportive Care. This allows parents of children struggling with a serious illness to have assistance making informed medical decisions. With support from…

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Building an Ark? — Flood Insurance Part 3

According to FEMA, floods are the most common disaster in the United States. Purchasing flood insurance is the best way to protect your home from this peril. However, here are some other great tips from FEMA that will help you prepare your home for a flood. Clear debris from gutters and downspouts Install a water…

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April Showers bring May Flowers and Flood Insurance Increases

The National Flood Insurance Program has announced increases will begin in April of 2015. Rates will increase between 5-15% Reserve Fund Assessment will increase from 5 % to 10% New Surcharge of $25 for a primary resident and $250 per policy on a second home. Simultaneously, local Flood Insurance Rate Maps are being adopted. The…

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