Preventing Home Fires

October is National Fire Prevention Month. Colder weather increases the use of seasonal fire hazards like fireplaces, space heaters and candles. So it’s the perfect time to consider the following fire safety and prevention tips: 1. Inspect heating equipment. Schedule a professional fireplace inspection and cleaning. Choose tested space heater models, keep three feet clear,…

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9 Controls to Know for National Cybersecurity Month

October is National Cybersecurity Awareness Month. During this annual event, government and cybersecurity leaders and the insurance community come together to raise awareness about the importance of cybersecurity. Businesses must stay cybersecure to safeguard company data, protect customers’ personal information and ensure employee privacy. Here are 9 essential cybersecurity controls that organizations can implement to…

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The Causes and Consequences of Underinsurance for Small Businesses

Many small business owners don’t realize they’re underinsured until it’s too late. The right coverage can be the difference between a temporary setback and a permanent shutdown. Robust insurance coverage is a cornerstone of effective risk management for small businesses. A single uninsured event—such as a fire, flood, cyberattack or critical equipment failure—can cause severe…

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OBBBA Eliminates Taxes on Qualified Tips and Overtime Compensation

On July 4, 2025, President Donald Trump signed a tax and spending bill, commonly referred to as the One Big Beautiful Bill Act (OBBBA), into law. Among other provisions, the OBBBA would allow certain workers an above-the-line deduction for “qualified tips” and “qualified overtime compensation” for taxable years beginning after Dec. 31, 2024, and expiring…

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