As a small business owner, you have a lot on your plate. Obviously, making a profit and keeping your business growing are of paramount concern. In addition, there’s making payroll, staying competitive, staying on top of new healthcare and tax laws, complying with state and local regulations, etc., etc. It’s easy to overlook important changes that may have occurred in your business and need to be accounted for on your insurance policy. Your annual policy renewal is a great time to consult with your independent agent and make sure you are properly protected. Exposures can change quickly in your business and it’s easy to forget that your insurance needs to adapt to these changes. Let’s look at a few areas to consider:
I’m still on Cloud Nine from my wedding day a couple weeks ago! I find myself looking down at my ring finger daily, not only because my rings are beautiful (if I do say so myself), but they are also very valuable to me (sentimental-wise and price-wise). And I’m not the only one – with approximately 2.2 million couples getting married in the United States each year, that’s a lot of engagement and wedding rings to swoon over!
New Year’s Eve is truly a worldwide celebration associated with hundreds of different cultural traditions. In the U.S., people watch the ball drop in Times Square in New York City. Canadians embrace the winter with ice fishing and polar bear swims. Revelers swing flaming fireballs at Hogmany in Scotland. Romanians dress like bears and dance in the streets. The Germans eat donuts; the French eat crepes, and the Danes smash china for good luck.
Winter is here and so is the age-old question: should I clear the snow from my sidewalk?
To be completely honest, I had to do a little research on this, as I have been told “yes” as many times as I’ve been told “no” over the years. In short, the answer isn’t as clear cut as one might think, as there is a legal answer and there is also a risk management consideration.
I’m pretty sure not too many people have asked themselves that question, but I have because I’ve been in the insurance industry for (obviously) too long. But, not only that, but what kind of insurance would Santa need, and for that matter, would he even qualify?!
We should be grateful for the peace of mind that insurance provides all year long, but certain coverages definitely come in handy around the holidays. Enjoy this song to the tune of the classic Christmas carol, “The 12 Days of Christmas!”
My family recently added a new member in the form of a two-month-old kitten, and as part of the adoption process, we were provided with a month’s worth of free pet insurance from the shelter. While that was a nice extra, I didn’t give it a lot of thought. Why? Because pet insurance is fairly self-explanatory – it’s the animal form of health insurance.
Anyone buying any cool tech gifts for themselves or for loved ones this holiday season? The possibilities are endless when it comes to “smart” devices that are available for you and your home! These devices range from smart plugs and smart appliances to smart doorbells that allow you to see a live video of your front porch from your phone when the doorbell rings. But, with every new tech invention, there are always pros and cons. So, what are some of the pros and cons of smart home technology?