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What You Need to Know About Flood Insurance

According to the Federal Emergency Management Agency, 99% of counties in the U.S. experienced flooding between 1996 and 2019 and many of those affected were not in areas traditionally associated with floods, The Washington Post recently reported.

Property owners in those areas...

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Five Ways to Reduce Accidents among Your Driving Employees

We've often discussed the scourge of distracted driving in America, brought on in large part due to the use of smartphones and leading to a significant spike in vehicle accidents, injuries and deaths. That in turn has led to a jump in both commercial and...

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Warning Issued About 'Public Adjuster Scammers' in Wake of Wildfires

When disaster strikes, so do scammers, who come out of hiding to pounce on unsuspecting homeowners.

A public adjuster in California has lost his professional licenses and been banned for working in the insurance industry for eight years after an investigation by the Department of...

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Stay Healthy with Home-Cooked Meals

Restaurant and other commercially prepared foods are notoriously high in fat, salt and sugar. These foods are fine as an occasional indulgence or for a special occasion, but usually not healthy as a regular diet.

According to research, eating home-cooked meals leads...

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Review Your Coverage Limits as Construction Inflation Continues Apace

Many homeowners are at risk of being underinsured as their insurance coverage limits may have become inadequate due to the surging costs of home repairs and rebuilding costs.

Inflation and supply chain snarls have been driving the cost of building materials from lumber...

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The Importance of a Buy-Sell Agreement for your Business Succession Plan

You and your business partner or partners have a clear and common vision of how to run your business, where it's going, and how it's going to get there. As a team, you've worked together each and every day to share the daily...

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Belong to a Homeowners' Association? Know Your Insurance Obligations

If you reside in a community that's part of a homeowners' association (HOA), you should understand what the association's insurance obligations are relative to your own to avoid any coverage gaps between your insurance and that of the association.

HOA rules usually require that all...

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OSHA Proposes Changes to Construction PPE Standard

Fed-OSHA has proposed new regulations that would require personal protective equipment for construction workers to be properly fitting.

OSHA's main concern is that the current standard PPE doesn't clearly state that the equipment must fit each construction worker properly, which the general industry and...

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Are You Covered for Personal Use of Company Vehicle?

Getting a company car is a coveted perk for employees, but it can also cause some coverage issues with your personal auto policy.

The standard auto policy excludes coverage for non-owned vehicles furnished or available for your regular use.

This means you are relying solely...

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The Tax Advantage of Universal Life Insurance

As with all life insurance policies, the most important reason to own them is the tax-free transfer of a large lump sum to beneficiaries, at the death of the insured. It's a hugely valuable benefit to families and estates, and the protection of loved ones...

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