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Insurance policies are made to be customized for a reason. The business executive has more income and assets to protect from liability claims than the recent college graduate. Families have more people to think about than young single people or an empty nester. And it is worth noting that the single person, the recent college graduate, the business executive and the empty nester can all be the same person...at different times. We all have different pursuits, different incomes, different bank balances at different points in time. The insurance policies that make up your insurance program - your blanket of protection - need to be tweaked from time-to-time so that you are getting the right protection and benefiting from all available discounts.
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Water crises seem to be everywhere, from the ongoing droughts in the West to the recent water-related disaster in Flint, Michigan, to the problem of clean water that devastates the people of many third-world countries. Still, if you don't live in these areas, it may feel like these issues don't, or won't, affect you: but that couldn't be further from the truth. Here is what you should know about water safety and how you can contribute to the solution.
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Every employee injured at work is at risk of having an extended, costly absence. For employers, it can mean higher workers' compensation costs, lower productivity, increased training or overtime costs, possible litigation, and an adverse effect on employee morale. In some cases, $5,000 in medical expenses can add up to as much as $30,000 when lost time, retraining, and other often-overlooked costs are included. For employees, an extended absence can lead to a disability mindset and a lack of motivation for returning to work.
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When Hurricane Katrina touched down in 2005, humans were not the only species affected by its destruction. And because emergency relief agencies were not in the business of saving pets, nearly half a million animals were left behind, devastating many owners and causing public outrage on their behalf. Passed in 2006 as a direct result of Hurricane Katrina, the Pet Evacuation and Transportation Act now requires state and local agencies to consider pets and service animals in their emergency preparedness plans. While most of us won't experience a disaster like Hurricane Katrina in our lifetimes, it's still up to us to consider our beloved companion animals when planning for emergencies, big and small. Here are a few things you can do:
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I'm reading more-and-more about Cyber fraud in the news and Insurance Trade Journals.Earlier this week, my favorite security-blogger, Brian Krebs published a report of a dispute between a Texas manufacturing firm and Chubb Insurance Group where the TX firm is suing Chubb to recover $480,000 that was scammed from them by criminals that pretended to be the CEO of the firm.You can read the whole blog here if you want the details, but the short version is that the employee that made the wire transfer relied on an email and telephone call and a pledge of secrecy and the firm was bilked out of $480,000 by wire transfer.The employee got suspicious when the thieves requested an additional $18 Million to complete the deal, otherwise the loss would have been much greater.

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