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…

CARS 3: Auto Insurance versus Life Insurance

At times, insurance agents will get together and talk about the best way to get a client covered. Even I was a little surprised when my 11 year old niece asked me the following insurance question: “If you were going to insure one of the CARs from the CARS movie – would you sell them…

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…

Memorial Day Safe Travel Tips

Traditionally, Memorial Day Weekend is the official start of the summer travel season. Unfortunately, it’s also become known as one of the busiest, and deadliest, weekends for travel. Numerous studies show that traffic violations and fatalities increase around Memorial Day. Here are a few tips to make your holiday travel easier, and safer. By Air…

Hurricane Safety Tips

Ocean City, Maryland officially recognized the week of May 7-13, 2017 as National Hurricane Preparedness Week. Here's a short video with the National Weather Service's basic hurricane preparedness tips: http://www.weather.gov/media/wrn/MP4/2017HurricanePrepWeekThemeSummary.mp4 Here are some additional resources you can reference to increase your family's safety: National Weather Service (weather.gov) Hurricane Preparedness Page Ready.Gov Family Emergency Communication Plan…