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Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.

Food Allergy AwarenessHosting a family dinner this holiday? There's a very good chance that a guest at your table will be allergic to something you're thinking of serving. Here's what you need to know about food allergies and how to be hospitable, no matter who you're hosting.
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November is National Sleep Comfort MonthSleep is one of the most important aspects of healthy living. The New York Times recently proclaimed that "sleep is the new status symbol," and recent studies have blamed a lack of sleep for everything from poor academic performance to weight gain to relationship problems. So how much sleep do you really need? Probably more than you're getting. The CDC recommends a minimum of 7 hours, even for adults. Children and teens need even more, so if you're a parent, be sure to help your child get to bed at a reasonable hour each night.
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Most people assume that having replacement value property insurance means that even if something happens, they're in good shape. After all, replacement value should pay for a brand new version of whatever you lost, right? But when it comes to buildings, including homes, both new and old, this isn't always the case. If you're a property owner, it's important to know about ordinance or law coverage and how it applies to you. Failure to understand when and where ordinance and law coverage is necessary may mean that if your home or commercial building is damaged, you don't have the coverage you need.
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Preventing Falls Inside and Outside of the HomeAccording to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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Domestic violence affects men, women, families and communities, and its impacts are far-reaching. According to the National Coalition on Domestic Violence, one in three women and one in four men will be a victim of domestic violence in their lifetime. In the U.S. alone, victims seeking help place more than 20,000 phone calls to domestic violence hotlines each day. October is Domestic Violence Awareness Month, offering a good time to bring this serious issue to light.
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Many companies are saving money by outsourcing instead of hiring in-house positions. How does outsourcing work and when does it make sense?
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Your home or business is damaged. Your first priority is to get it fixed right away, so you call a contractor to assess the situation and give you an estimate on the repair cost. It makes sense: the insurance company will want one anyway, right? But this simple process may turn into a nightmare, depending on how you handle it.
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According to the Small Business Association (SBA), the number of small businesses is growing. Recent data shows a newly upward trend in startups, and an influx of jobs created by businesses with less than 50 employees, which has positively contributed to a declining unemployment rate. Still, only about half of small businesses with employees survive to the five year mark and beyond (SBA). What factors most influence a new business's success, and what are the major issues facing employers today? A recent survey by the National Federation of Independent Business (NFIB) and research from other small business organizations highlight some of the most critical issues affecting the small business landscape.
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