National Flood Insurance Program authorized through January 19th

The National Flood Insurance Program (NFIP) was authorized for a five year period that ended on September 30th. Since then there has been three short-term extensions. Currently the program expires on January 19th. Check out the news article from Insurance Business Magazine that reviews the importance of a long term authorization of the National Flood…

Holiday Parties: Limiting Social Host Liquor Liability

A bartender is legally liable for serving alcohol to a patron who becomes intoxicated and then injures a third party. Does a business face a similar exposure when it hosts a social event where alcohol is served, such as an open house or employee picnic? According to the Insurance Information Institute, liquor liability exposure is…

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…

Controlling Windstorm Damage

Homeowners can suffer a magnificent amount of damage from windstorms and hurricanes. Homeowners can reduce their exposure to these losses by protecting the roof, windows, entry doors and garage doors. Roof Protections: Have your roof inspected to make sure that it’s up to code and has enough nails per shingle. Make sure gables are securely…