Recent News

To keep you informed with the latest news and insurance tips, we will be posting weekly. We hope you enjoy your Recent News section.

  • Driving in Inclement Weather

    With snow, ice, and heavy rain across the United States, it’s critical you know how to drive in these conditions.
  • Emergency Go Bag

    With the inclement weather across the US, it is time to make sure you have a Go Bag in your vehicles.  Just look at the people trapped on US-95 in Virginia without blankets, water, and more.
  • Happy Holidays 2021

    All of us at the agency want to wish you and yours a Merry Christmas and Happy Holiday.  We thank all of our clients for their support and look forward to working with them in 2022.  Be safe and healthy.
  • 10 Toys to Avoid Buying This Holiday

    Every year, the World Against Toys Causing Harm publishes their list of the top ten toys you should avoid buying for holiday gifts.  Take a look at the list:
  • Gizmos That Make Perfect Gifts

    Looking for a unique gift for under $60, then take a list of this list of gadgets and gizmos.
  • Holiday Cooking

    We are all doing it -  cooking like crazy from turkeys to Christmas/Hanukah cookies, we are spending lots of time in the kitchen.  However, with all the frenzied activities, we let safety slip.  Take a moment to review these tips to ensure a safe, blaze free holiday season, courtesy of NFPA:
  • Support Local Businesses

    November 27th is Small Business Saturday.  Small businesses are the heart of our communities.  Shop at a local retailer to find that unique gift or eat at a local restaurant this weekend.  According to the American Express Shop Small Impact Survey, 56 percent of small businesses surveyed said this year’s Small Business Saturday event is more critical than ever for their business. Looking ahead to the new year, 78 percent said holiday sales will impact their ability to keep their doors open in 2022.  Small Business Saturday 2021 could help to boost small-business owners who continue to face difficulties during the pandemic.
  • Family Literacy

    With the holiday fast approaching, it is a great time for the whole family to get together to enjoy some reading.  When you read to your children, you instill in them the fundamental skills for success in their later years in school and life.
  • New Tool for Employers

    As workers are struggling to make ends meet and the coronavirus pandemic drags on, companies are offering a new way to get paid – every day.
  • Turn Your Clocks Back

    This weekend ends Daylight Savings Time.  Set your clocks back an hour on Sunday at 2:00 am or as we do before retiring to bed on Saturday giving you another hour of sleep.  YEAH!
  • Ransomware and the holidays

    Holidays are the perfect time for an increase in ransomware risks. In 2020 reported losses from cybersecurity complains exceeded $4.1 billion or a 69% increase from 2019.
  • Halloween & Fun

    Looking for ways to have fun for Halloween, here are treats you can create with your families:
  • Celebrate National HIspanic Americans

    October celebrates National Hispanic American Month.  As members of our community, you bring a rich heritage and history, culture, and achievements to the United States.  Thank you for all you do.
  • October is Anti-Bullying Month

    The aim of anti-bullying month is to prevent bullying from happening.  It is designed to hold schools accountable when they fail to protect our children and to force them to take appropriate steps to respond to bullying.  Bullying can come in many forms, and victims can feel helpless or unsure of how to stop the situation. While bystander intervention is an effective way to stop bullying in real-time, understanding how it can be prevented can be even more important.
  • Fall is Officially Here!

    The autumnal equinox occurred on September 22nd.  Fall is officially here and with it comes your honey-do lists preparing your home.  Here are some home maintenance tips from the Travelers Risk Control professionals to help you prepare for the coming winter.
  • Do Hackers Return?

    According to Atlas VPM data, half of businesses worldwide have been affected by recurring attacks from the SAME hacker.  The data also revealed that 61% of companies hacked did not remediate the breaches, leaving the company and its data vulnerable to attack.  From phishing emails and cloud-based attacks to cyberattacks on remote workers and ransomware, cybercrime is up by 600 percent.
  • Solemn Weekend

    Twenty years tomorrow we will remember the almost 3,000 people who lost their lives.  We honor the first responders who never hesitated but ran to assist those in the two towers, the Pentagon, and in Pennsylvania.   Talk to your children about how we all came together with such patriotism that we haven’t seen since.  We are the greatest country in the world and “we will never forget.”
  • September is National Preparedness Month

    With forest fires and hurricanes hitting all across the US, it’s time to raise the importance of preparing for disasters and emergencies. There are plenty of resources to assist you during September to help you prepare.  Ready.gov/September features four weekly posts – Make a Plan, Build a Kit, Low-Cost, No-Cost Preparedness, and Teach Youth About Preparedness.
  • Hiking in the Wilderness

    With Fall coming, family hiking is a great activity.  However,  being aware of both your surroundings and what to watch for can make your day a happy and safe one.
  • Seniors and Car Safety

    Ever wonder as you grow older, what car you should choose for safety, one that is easy to drive,  safe, and has the technology to help avoid common mistakes that lead to accidents.  In a recent issue of Aging IQ, experts suggest tips for ensuring your safety behind the wheel.
  • Insurance Myths To Be Aware Of

    Consumers are often confused about what insurance covers and what it doesn’t.  Property Casualty 360 helps demystify some of the myths.
  • Traveling Safely in your RV

    Hitting the road this summer in your RV, here are some tips to keep you and your family safe.  Over 43.6 million people will travel the roads, many of them in RVs.
  • Traveling by Car This Summer

    With more and more people planning road trips, you need to be even more attentive due to distracted drivers.  According to the NSC, more than 700 people daily are injured by distracted driving crashes.  The cause – talking on the cellphone or texting/programming in-vehicle systems.
  • Dogs in Hot Weather

    Dogs can’t perspire, so how do they keep cool?  They pant.  They also release heat through paw pads and nose to regulate their body temperature and keep cool.
  • Beat the Heat

    We’re in the midst of summer and seeing record temperatures.  It is important that we remind workers on the danger of working in the heat.
  • Fear of connected cars cyber vulnerabilities growing

    When you think of cyber attacks, you think of breaches of credit cards, banking accounts, and businesses.  But did you think about a cyber attack on your car?  That’s right – a cyber attack.
  • Fireworks Safety

    What would the 4th of July be without fireworks.  Can’t imagine.  But they are deadly.  In 2020, eighteen people in the US died after episodes involving fireworks according to the Consumer Product Safety Commission, and that doesn’t include those who were seriously injured.
  • June Weddings

    June is the most popular month to get married, simply because of the mild weather.  There is a saying that “for those who marry in June, you’re a bride all your life.”  Here some facts about June weddings:
  • Happy Father's Day - June 20th

    “When my father didn’t have my hand, he had my back”Linda Poindexter
  • Graduations - Time to Celebrate

    June is graduation month and parents are faced with how to keep their teens safe.  Here are some tips from the Partnership to End Addition that might help:
  • 2021 Hurricane Season

    Hurricane Season – 2021 is shaping up to see 13 to 20 named storms, 6 to 10 to become hurricanes for the East Coast and 2 to 5 tropical cyclones predicted for the Central Pacific hurricane region.  With tropical storms comes lots of rain and that means flooding.  Make sure your to-go-bag is ready and you know your evacuation routes.  Don’t drive through standing water.  And last, contact our agency for a flood quote.  Just two inches of water can cause significant damage.
  • Memorial Day 2021

    Honoring all who served. Take a moment this holiday weekend to remember all who served and all who paid the ultimate price to protect our country. 
  • Support Your Local Restaurants - Eat Out

    It has been a hard year and many restaurants have closed during the pandemic.  According to the National Restaurant Association revenue is down by $240 billion. Over 110,000 restaurants are temporarily or permanently closed.
  • Small Business Month

    Small businesses represent over 99% of the 28.7 million firms.  The vast majority have fewer than 20 employees and nearly 40% of all enterprises representing under $100k in revenue, according to JP Morgan Chase.  So it is fitting that the month of May celebrates the small business owners.
  • Happy Mother's Day

    A mother is your first friend, your best friend, your forever friend. (Unknown).
  • Pandemic is changing Employee Benefits

    According to Tim Allen, Harvard Business Review, companies are recognizing that employee benefits can be life-changing for their workforce, especially those centered around care, flexibility, and mental health.  Many employers in order to better support their employees and their business are planning to revise their benefit strategies.
  • Alarming Surge in Ransomware Attacks

    Ransomware attacks have surged about 200% in the past two years according to Insurance Thought Leadership.  Severity is up too, with the average demand exploding from roughly $10,00 to $100,000.  Armed with increasingly inexpensive tools, hackers are expanding where and what they target.  There are even developers who sell or lease ransomware, offering Ransomware-as-a-Service (Raas).
  • Spring and Floods

    With the weather changing and heavy rains upon, flooding is a certainty.  Here are the ten top facts every consumer should know about the National Flood Insurance Program (NFIP)
  • Happy Easter

    On behalf of our agency we wish you a blessed and safe Easter Holiday.
  • Spring Cleaning - Spring Begins

    With the start of Spring, it is now time to focus on getting our homes ready for the season.  Here’s a quick list of tasks recommended to launch spring properly.
  • Daylight Savings Time

    Daylight Savings is this Sunday – don’t forget to set you clock forward.  Looks like you you lose an hour of sleep.  Some people have trouble adjusting to the one hour change.  It is recommended that you keep your schedule and get seven to eight hours of sound sleep and go to bed a little early the night before.  If your sleep cycle is out of whack, driving can be a bad idea.  One study showed that fatal traffic accidents increase the Monday after both time changes.
  • Protect Your Phone Data

    With all the data that is on your phone, there are quite a few tech makers who do not protect your privacy.  So what do you do?  Here are some tips from Firefox:
  • Why the Surge in Car Thefts

    A puzzling invitation to auto theft is increasingly sitting in the unoccupied car’s cup holder—the key fob. After many years of car theft declines arising from improved technology, we are now seeing a surge in this unfortunate crime. This spree, worsened perhaps by the pandemic, can be attributed to largely one factor: human carelessness. No hot wire is needed!
  • Saturday is National Love Your Pet Day

    This weekend is the perfect time to thank your pets for their companionship especially during these times when you are stuck at home with restricted activities.  They are there with undying love and ready to put a smile on your face.
  • Happy Valentine's Day

    If you are planning on giving a keepsake at Valentine’s Day, we want to remind you to obtain insurance coverage for it.  You can add the item to your homeowners’, or depending on the value, obtain a jewelry policy.
  • Least Reliable Cards for 2021

    It’s that time of year when Consumer Reports’ publishes their various reports on the auto industry.  Here is a list of the ten most unreliable vehicles with the greatest risk of problems:
  • Dangers of Space Heaters

    It is always nice to be snuggly and warm during the winter nights, but many of us use space heaters to keep us warm.  They can be dangerous and the biggest threat is fire. Fire is caused by the overloading of circuits and power failures. Last year, there were 55,000 fires, 450 deaths, and more than 1,500 injuries due to space heaters.
  • Prevent Skin Irritation

    With all the hand hygiene everyone has been doing during the COVID pandemic, many of us are experiencing skin irritations.
  • Start the Year With a Business Continuity Review

    With so many situations affecting our businesses this past year, such as COVID-19, lock downs, and remote employees,  it is important to review annually your procedures to restore critical business functions in the event of an unplanned disaster.  These disasters could include natural disasters, security breaches, service outages, and other potential threats.
  • Holiday Candles and Fire

    We love them.  Holiday Candles smell so good and project a warm glow to our home.  But, they can be deadly.
  • Keep Your Pets Safe During the Holidays

    With so much going on this season regarding decorations and lights, your furry babies are thrilled.  However, to safeguard your pets, see the following:
  • Cyber Security Events

    With ransomware and phishing attacks on the rise, companies must continuously focus on cyber risks to protect assets and customers.
  • Be Safe on Thanksgiving

    With Thanksgiving just days away, we want to pass along some turkey safety tips:
  • Avoid Fines by Training Workers

    Not training your workers regarding COVID-19 can result in fines and lawsuits.  Sixteen states have passed emergency temporary standards requiring employers to train their workers on COVID-19 workplace safety protocols.  Every state enforces things differently, so it is important you know what your state requires.
  • Ten Most Deadly Vehicles

    According to the National Safety Council, an estimated 38,880 people lost their lives and more than 4 million required medical attention.
  • Daylight Savings Time

    It is finally here – you get an extra hour of sleep.  So don’t forget to set your clocks back an hour. 
  • 6 Money Saving Tips for Teen Drivers

    According to a recent article in NU Property Casualty 360, they reviewed the six ways to save money on insurance for teens.
  • Winter is Coming - Prepare Your Car

    With winter months almost upon us, now is a good time to make sure your car is ready.  Here is quick checklist for winter driving.
  • Life Awareness Month

    September is Life Awareness Month and Life Happens, a non-profit organization, is dedicated to helping educate consumers on the importance of life insurance and related products.
  • September is National Preparedness Month

    September is a time to promote family, community, and business disaster now and throughout the year.  With COVID-19, hurricanes, wildfires, and floods, there is no better time to get involved.
  • Happy Labor Day

    A day to honor the hard work that you have put in.  A day to relax and enjoy.
  • OSHA COVID-19 Materials

    OSHA has issued new posters and guidance booklets for businesses.  They are free and available in multiple languages.  Go to https://www.osha.gov/pls/publications/publication.searchresults?pSearch=coronavirus%7Cadd+to+cart and select the materials right for your business.
  • OSHA Reverses Recordkeeping Rule

    OSHA has updated their guidance to employers regarding completion of the OSHA 300 Log and the reporting of employees cases of  COVID-19 as “work-related”.
  • Surviving an Email Attack

    According to the FBI, business email compromises cost businesses $26 billion between 2016 and 2019.  This represents a serious threat to your business.
  • Stroke Warning Signs

    Stroke kills about 14,000 Americans each year – that’s 1 out of every 20 deaths.  Someone in the United States has a stroke every 40 seconds.  Every 4 minutes, someone dies of stroke.  Every year, more than 795,000 people in the United States have a stroke, according to the CDC.
  • Protections for Working Safely in Summer Heat

    Temperatures are soaring across the United States and are creating hot and hazardous working conditions.  OSHA has issued a trade release with suggestions to help mitigate heat hazards.
  • Protecting Your Home from Tropical Storms or Hurricanes

    We are in the midst of the hurricane season which generates tropical storms throughout the United States.  2019 is predicted to produce 16 name storms and reach tropical-storm strength or greater, with eight hurricanes with at least one potentially hitting land-fall.
  • Tips to Keep Working from Home Secure

    If you are working from home, here are six tips to help you do so securely.
  • D&O rates are set to climb

    According to a report by AM Best, Directors and Officers liability insurance rates are likely to double in the wake of the COVID-19 pandemic as insurers respond to increased shareholder litigation over the past three years and future litigation over coronavirus-related exposures.
  • Reopening Checklist

    As you open up your business, it is critical to maintain the health and safety of your employees and clients.
  • Happy Father's Day

    Thank you for all the ways you go above and beyond every day for your family.  On behalf of all of us at the agency, we wish you a Happy Father’s Day.
  • Happy Mother's Day

    Mothers – You’ve Been Keeping the Family Together During These Trying Times.
  • Scams during COVID-19

    Millions of Americans are working at home, holding virtual meetings, educating their children, and communicating with family and friends.  But are you exposing yourself to the latest scams.
  • Premium Relief & Extended Grace Period

    The New York State Department of Financial Services has extended the grace period and have given you other rights under certain property/casualty insurance policies if you are an individual or small business and can demonstrate financial hardship as a result of the coronavirus pandemic. These grace periods and rights are currently in effect but are temporary, though they may be extended further.
  • Working at Home - Here's Some Tips

    Ann Henry, who has worked at home for over 11 years, wrote an article for Gossip That Matters, to offer tips for workers new to working remotely.  Here is her advice.
  • OSHA 300A & The Coronavirus Brochure

    OSHA has reminded employers of their reporting requirements for workers with coronavirus, and provided guidance as to how to complete the form.  In addition, they created a brochure, “Guidance on Preparing Workplaces for COVID-19”, which you can download.  If you need any assistance, please contact us at the agency.
  • Coronavirus Prevention Tips

    Here are five things to remember to help protect yourself from becoming infected with the coronavirus. Follow flu prevention tips.
  • Change your clocks on Sunday

    Daylight Saving Time begins Sunday, March 8th.  So set your clocks forward one hour to “spring ahead”, which means you lose one hour of sleep. 
  • Form 300A Deadline is March 2nd

    The deadline for employers to electronically submit their 2019 Summary of Work-Related Injuries and Illnesses is due March 2nd.  To determine if your business, with 20-249 employees, is required to submit this form, use this link.
  • Workers' Compensation Drug Formulary Model Adopted

    To combat the opioid crisis and lower drug costs, the National Council of Insurance Legislators adopted the Worker’s Compensation Drug Formulary Model Act.  The purpose of the act is to establish a drug formulary for use in states’ workers’ compensation systems in order to facilitate the safe and appropriate use of prescription drugs in the treatment of work-related injury and occupational diseases.  Each state will use this framework to establish their own policy.
  • Vote For Us

    From now until March 23rd, we encourage you to vote for Tyler and The Heritage Group as Best Local Insurance Agents at the Time-Union.  We are one of five local agencies and we need your vote to be #1.  Vote everyday.  We thank you for your support.
  • Is a home security system worth the investment?

    Besides providing you with peace of mind, home security systems can help with:
  • Compromised Emails on the Rise

    The compromise of business email is on the rise, particularly for cloud-based applications, according to the most recent report from Beazley Breach Response Services, part of specialist insurer Beazley P.L.C.
  • Wear Red Today

    Wear Red Day is dedicated to raising awareness about heart disease in our communities.  Heart disease is the leading cause of death in the United States.  Pledge to be more active to protect your heart by moving more, eating healthy, managing stress, not smoking, and getting quality sleep.
  • Heritage Group Receives 2020 Best of Latham Award

    Heritage Group has been selected for the 2020 Best of Latham Award in the Insurance category by the Latham Award Program.
  • Are you guilty of password passivity?

    Cybercriminals are hacking both individuals and corporations every minute of every day.  One area they love is cracking passwords.
  • Clean Out Your InBox Week

    Next week is Clean Out Your Inbox.  It is a great time to start 2020 with an organized inbox.  Here are some ideas as to how to sort and file all those pesky emails.
  • Want to Know What the Top Pick Ups Were for 2019?

    According to Statista, the top selling pick up trucks were:
  • Planning on Hosting a New Year's Eve party?

    Everyone is excited to attend your New Year’s Eve Party – but are you ready?  Erie Insurance prepared a list of eight tips to help you and your guests have a safe New Year’s Eve event.
  • 10 Things To Do To Close Out Your Year

    As we start to wind down the year, it’s a perfect time to take action on these ten tasks:
  • Planning An Employee Holiday Party

    Planning on a holiday party for your employees?  Here are some suggestions from Katie Kuehner-Hebert, courtesy of NU Property Casualty 360.
  • Black Friday Safety Tips

    In-store Shopping:
  • Daylight Savings Time Ends

    Don’t forget: Daylight Savings Time ends for much of the United States at 2AM Sunday November 3rd.
  • Buying Flood Insurance - Questions to Ask

    Flooding conditions can continue through the winter months. You might be considering a flood insurance policy but don’t know what questions to ask.  This post from FEMA should be helpful.
  • Is Your Business Continuity Plan Up to Date?

    As the international community celebrated ShakeOut Day to promote earthquake resiliency and preparedness, now is the time to review your established business continuity plans or create an appropriate plan if you don’t have one.
  • October is Crime Prevention Month

    According to Alarms.org, every 13 seconds a burglary occurs.  Two thirds of the 2.5 million burglaries were home break-ins. 
  • Heritage Executive Features in Saratago Business Journal

    Tyler Terpening was interviewed along with Thomas Flynn for the Saratago Business Journal.  The article dealt with the risks that face small businesses and the needs they have to reduce exposures, and protect their businesses with a comprehensive risk management plan.
  • September is Life Awareness Month

    Life Happens, a non-profit organization, has an entire website devoted to life insurance. September is Life Awareness Month and you will find calculators to assist in determining the insurance coverage you need, along with helpful videos and educational pieces.  Go to https://lifehappens.org to find out what you need to protect your family and then call the agency to discuss.
  • September is National Preparedness Month

    The Small Business Administration has created a Business Guide to help keep your business running if a disaster strikes.  It provides steps to prevent and prepare for disaster, and know where to get aid if disaster strikes.
  • History of Labor Day

    Labor Day, celebrated the first Monday in September, pays tribute to the contributions and achievements of American workers.  It was created by the labor movement in the late 19thcentury and became a federal holiday in 1894 by Grover Cleveland.  Labor Day weekend also symbolizes the end of summer.
  • Driver Safety in School Zones

    Last week’s post dealt with child safety, today we’d like to provide tips for drivers in a school zone.  Please review and be prepared for back to school traffic.
  • Going Back to School

    Getting your children ready to start school is a perfect opportunity to review keeping them safe. 
  • August 12-19 is Safe & Sound Week

    Safe & Sound Week is a nationwide event held each August that recognizes the successes of workplace safety and health programs and offers information and ideas on how to keep American’s workers safe.
  • Natural Disasters & Your Pets

    We usually prepare for a flood, hurricane, tornado, or weather-related incident with a go bag, but have you prepared for your pets.  Take a look at a couple of tips to consider:
  • Grill Safety

    Lots of barbecues are happening this weekend.  It’s is no better time to pass along some grill safety tips to make sure your party is fun and incident free.  Here are some statistics to illustrate the point.
  • RV Safety

    Getting ready to explore the US in your RV.  Take a look at these safety tips provided by Property Casualty 360 to ensure you have a wonderful risk-free trip.
  • First Day of Summer

    Today is the first day of summer and the longest day of the year.  Your children are out of school, and vacation plans are underway.  Get prepared for summer by following these maintenance tips provided by Heather Turner from Property/Casualty 360:
  • Happy Father's Day

    To all the fathers we hope you have a great weekend.  May you enjoy the celebrations of Father’s Day with your children and father.  We send warm greetings to you all.
  • Teen Drivers & Summer Driving

    School is wrapping up for the year, and teen drivers are ready to hit the road this summer.
  • Memorial Day

    Please take a moment this weekend to honor all those who have served and died for our country.  It is because of them that we enjoy the freedoms we have.  Happy Memorial Day!
  • Cyber Drills - Minimize Risk

    Most companies will suffer a cyberattack at some point. Making a plan and practicing for a cyber event can help minimize risk and expedite recovery.
  • National Small Business Week - Attend SBA Online Conference - May 7-8

    As a small businessowner, it is difficult to keep up to date with the latest topics and issues.  The SBA is offering a free online conference hosted by the US Small Business Administration and SCORE.  For today and tomorrow you can register and attend all or pick and choose the sessions you wish to attend.
  • Car Care Tips

    Spring is here and what better time to tackle the job of checking your car for any winter weather damage.
  • Contractors & Water Damage

    Zurich has presented a series of innovative tools to help contractors prevent water damage on a construction site.
  • Happy Easter!

    On behalf of all of us at The Heritage Group, we wish you a Happy Easter.
  • Spring Lawn & Garden Checklist

    Gardner’s Edge has been assisting homeowners and avid gardeners since 2005. Follow their spring checklist to ensure a healthy, lush lawn and garden this season!
  • Flooding This Spring

    Flooding is a coast-to-coast threat to parts of the United States nearly every day of the year.  The National Weather Service has created a site to help keep you safe in a flood event.
  • Spring Cleaning Checklist

    Make these 15 preventative maintenance tips part of your spring cleaning to-do list this year
  • March Wind

    Weather has a definite impact on your home.  March typically signifies the start of destructive spring weather patterns, such as hail, tornadoes, wind, and lightning according to HVAC Investigators.  Over $2 billion in damages have been paid out by insurers.
  • Businesses Using Chatbots in 2019

    2019 is predicted to see an increase in the number of businesses using chat bots. 
  • Daylight Savings Time Arrives

    Don’t forget that Daylight Savings Time kicks in on Sunday.  You need to move your clocks ahead an hour.  There goes an hour of sleep.  But, you can feel safer that children will be leaving for school in daylight rather than in the dark.
  • Looking for a dependable car?

    According to J.D. Power, the top rated overall vehicle dependability brands are:
  • Flood Insurance - Why You Need It!

    No matter where you live, water causes severe damage.  With winter thaw, flooding is more than possible. However, flood insurance is not part of your standard homeowners insurance.  
  • Cold Weather Playing Havoc

    Cold temperatures across the United States have caused consumers havoc both in their homes and in their cars.
  • Valentine's Day - Buying Jewelry?

    If you are considering buying jewelry for Valentine’s Day, here are five tips from Anne D’Innocenzio of The Associated Press.  
  • Super Bowl - Have Fun But Be Careful

    If you are celebrating the Super Bowl at a restaurant or sports bar, we’d like you to be safe. Remember to plan ahead for safe transportation if you are planning to drink.  Be careful with your credit card information, as with all the activities, identity theft rings are working to steal your information, and finally, with lots of people in one location, it is important that you know where the exits are.
  • Small Business - Regulatory Issues

    To keep your business compliant in 2019, here are ten regulatory issues to watch out for:
  • Corporations Top Concerns

    According to a recent survey conducted by Allianz in their annual Risk Barometer, the top perils to corporations are cyber incidents along with business interruption events.  In addition, workforce skill shortages and legislative/regulatory changes rank as key concerns.
  • 5 Homeowner's Resolutions for 2019

    To assist you in protecting your home in 2019, here are five tips to help prevent a claim.
  • Prepare Your Business for 2019

    It is a fact that 25% of small businesses never reopen after a catastrophe.  Here is a simple checklist to start 2019 with a good disaster-prep program:
  • New Year's Safety Tips

    With New Year’s Eve approaching, here are a few things to consider as you get ready to party:
  • Holiday Safety Tips #3: Last Minute Shopping

    Here are some safety tips to follow when you are shopping at the holidays:
  • Holiday Safety Tips #2: Hazardous Toys

    If you are giving toys this season, here are ten toys that WATCH (World Against Toys Causing Harm) suggest you avoid:
  • Holiday Safety Tips #1

    Holiday Season is a special time of year.  And with it comes careless and vulnerability to theft and other holiday crime.  For the month of December,  we will post a series of safety precautions to help insure you have a wonderful holiday.  Our Tip #1 features Shopping at Malls. 
  • Fireplace Holiday Preparation

    With the holidays, we want to feature our fireplaces with holiday decorations.  Here are a few tips to keep your safe this holiday season.
  • Cyber Monday is Here

    Cyber Monday is expected to set new online records with a 17.5% increase from last year or $7.7 billion in sales.   If you are one of the millions shopping online, here are some safety tips to follow:
  • Holiday Cooking Safety Tips

    Here are some cooking safety tips to follow as you get ready for Thanksgiving:
  • Thanking Our Veterans on Veteran's Day

    Twenty-five million veterans are living among us today.  These men and women selflessly set aside their civilian lives to put on the uniform and serve us.  On behalf of all the members of our agency, we want to say “thank you” to all our Veterans.
  • Daylight Savings Ends

    Sunday, November 4th, is the end of Daylight Savings Time.  What does that mean, you gain an hour of sleep?  So don’t forget to turn your clocks back an hour before going to be on Saturday, November 3rd.
  • Domestic Violence n the Workplace

    According to a recent National Intimate Partner and Sexual Violence Survey, approximately a third of women and a quarter of men report being a victim of violence by a partner at some point in their lives.   This means an employee being a victim or perpetrator is higher than you realize.
  • Are your wedding rings insured?

    Couples spend thousands of dollars on their wedding rings.  Did you know that your renter’s and homeowner’s insurance has limits? Most policies only pay out a maximum of $1,500 to $2,500, a fraction of what you might have spent.
  • Renovations

    How They Affect Your Homeowners Premium
  • Falls Drive Up Construction Workers’ Comp Costs

    More than 30% of workers’ compensation claims stem from construction sites are the results of falls from elevated surfaces according to Nationwide Mutual Insurance.
  • Safety Driving Tips in School Zones

    With children back in school, now is a good time to remind you about safety tips in a school zone.
  • September is National Preparedness Month

    Emergencies can create a variety of hazards for workers in the impacted area. Preparing before an emergency incident plays a vital role in insuring that employers and workers have the necessary equipment, know where to go, and know how to keep themselves safe when an emergency occurs. These Emergency Preparedness and Response pages supplied by OSHA can provide information on how to prepare and train for emergencies and the hazards to be aware of when an emergency occurs. The pages provide information for employers and workers across industries, and for workers who will be responding to the emergency. Go to OSHA’s emergency preparedness website for specific plans for tornadoes, floods, wildfires, and hurricanes.
  • Attention: T-Mobile Users - Data Breach

    On August 20, 2018, T-Mobile contacted their customers to alert them of an unauthorized person accessing certain personal information.  The data that was compromised was name, phone number, email address, account number, and type.
  • Do You Know What the Most Costly Home Property Damages Are?

    These five causes of home damage were identified by the Travelers in their recent report which tracked claims from 2009 to 2016.
  • Cyber Protection is More Than Insurance

    No matter what your business, cyber-attacks are an increasingly common occurrence.  They not only affect the Internet, but also attack your core business systems.  In addition to your cyber liability coverage, you need to implement risk management support. 
  • Back to School

    August is Back to School Safety Month.  With the new school year about to start, it’s a good time to remind motorists to be extra careful at all times.  Here are some safety reminders for drivers:
  • Take the Pledge

    What are the 100 deadliest days for teens?  It’s from Memorial Day to Labor Day, when accidents among teens drivers spike by 15%. Join the millions who have pledged to drive distraction free.  From checking emails to posting on social media - all of it can wait.
  • Food Safety During the Summer Months

    Summer is the perfect time for outdoor picnics, barbecues, and sports.  It is also the perfect time to breed food bugs.  Take a look at some tips from the Food Network to keep both your food and family safe:
  • Preventing Worksite Fatigue

    According to a recent survey by the National Safety Council, 32% of reported injuries and near-misses are due to fatigued employees.
  • Check Your Deck for Summer Safety

    Backyard decks are the perfect place to enjoy warm weather with family and friends. However, a poorly maintained or unsafe deck could possibly collapse, causing serious injuries.
  • Business Continuity - Are You Prepared?

    With Hurricane Season upon us, it makes sense to review your business continuity plan.  To illustrate why you need a comprehensive plan, here is a story from a business owner in Houston regarding their business recovery experience.
  • Small Business Optimism Nears 45-Year High

    In May, Small Business Optimism rose to 107.8 - the second highest level in the 45-year survey history according to JobCreators.  Income increases hit a 45-year high with a net 35 percent reporting raises for their employees, while positive sales trends are at the highest since 1995.  Business expansion plans are the most robust in survey history. 
  • Thinking of buying a motorcycle?

    You will need to consider obtaining coverage for your motorcycle.  While you can easily add it to your personal auto policy, there might be a better way to provide protection due to numerous gaps in coverage since auto policies were not designed with motorcycles in mind.
  • Thinking of adding a four-legged member to the family - Breeds that are not Family-Friendly

    24 dog breeds have been identified by experts that should not be around children or young families.  These breeds can also cause your homeowner’s insurance to skyrocket or cause a cancellation.
  • Way to Maintain Your Home & Prevent Losses

    Here are a few maintenance tips you might want to add to your Honey-Do list:
  • Keep Safe During This Memorial Day Weekend

    Lots going on this weekend; most likely you will have a barbeque and take a dip in the pool.  Here are a few things to consider this Memorial Day weekend to keep you and your family safe:
  • Happy Mother's Day

  • Support Small Businesses This Week

    Wrap up the Small Business Week by supporting local businesses.  Small businesses are the backbone of the US economy. They also create two out of every three new jobs.  To survive they need our support.
  • Beware the latest Medicare scam

    The Coalition Against Insurance Fraud is warning seniors of an identity-theft scam targeting Medicare recipients.
  • Tax Day

    April 17th is right around the corner and that is when we submit our tax filings to our state and federal government. Tax deductions can help you cut down your 2017 tax bill.
  • April is Stress Awareness Month

    Since 1992, April has been designated as Stress Awareness Month.  According to the American Institute of Stress, about 90% of all visits to primary care physicians are for stress related disorders, ranging from stomach trouble to heart disease.  Job related stress costs American businesses about $150 billion a year.
  • Data Breach at Orbitz

    Do you use Orbitz to book your travel?  If so, you might be one of over 880,000 payment card number and related information exposed to a data breach.  These were two breaches which occurred:
  • Daylight Savings Time Arrives Sunday, March 11th

    Be prepared to lose an hour on Sunday when you should advance your clocks by one hour.  The debate is on to eliminate this long-held practice and individual states are discussing the pros and cons of maintaining DST.  Daylight Savings Time is also a good time to change batteries in your smoke detectors and weather radios.
  • March is Workplace Eye Wellness Month

    Every day over 2,000 Americans suffer from an eye injury.  This means that almost one million Americans have experienced some vision loss due to eye injury which results in more than $300 million in lost work time, medical expenses and workman’s compensation according to YourSightMatters.com.
  • Malicious Cyber Attacks Costs US up to $109 billion in 2016

    Malicious cyber activity cost the U.S. economy between $57 billion and $109 billion in 2016, the White House Council of Economic Advisers estimated in a report on Friday.
  • February is Insurance Career Month

    Have you considered a career in insurance?  It’s more than a job, it’s more than “selling” – it’s about working with a client to provide them with the very best insurance coverage to meet their needs and mitigate their risks. It’s a rewarding career.
  • Winter Flooding and Its Effect

    Throughout the coldest months of the year, winter flooding is a country-wide risk.
  • Groundhog Day - Will Spring Be Far Behind? Not according to Phil!

    Today, we observe Groundhog Day!  According to USA Today - Punxsutawney Phil, the world’s celebrity groundhog, was coaxed from his burrow in western Pennsylvania early Friday as an anxious nation watches to find out whether we’ll have an early spring or six more miserable weeks of cold and snow.
  • Sunday is Data Privacy Day - Small Businesses Observe

    Smaller businesses have become targets for cybercriminals because criminals know they have fewer defense resources than large enterprises.
  • Cold & Flu Prevention in the Workplace

    Flu season is here and flu viruses are often passed from person to person.  What can you recommend to your employees to prepare themselves and their workstations from these invisible bugs?  Read on.
  • Start the New Year with Safety Checks

    As we start the new year, it is a great time to check the following devices to insure they are in top working order.
  • Prepare for Winter Storms

    Heavy snow and violent winds break branches, uproot trees, and cause power outages.  Here are some items to put in an emergency kit so you are ready:
  • Happy New Year!

    On behalf of all of us at the agency we want to wish you a Happy New Year!  Be careful this week-end when driving; and, if you are planning on drinking, please have a designated driver.
  • 2017 Ten Most Hazardous Toys

    The non-profit, World Against Toys Causing Harm, has released its 2017 list of the ten most hazardous toys. W.A.T.C.H. says consumers buying toys on the Internet are already at a disadvantage, as they are unable to touch and physically inspect a toy and its packaging at the time of sale for more obvious hazards. In some cases, limited product information on e-commerce sites can lead to misinformed, and potentially dangerous, consumer toy purchases.
  • Holiday Decorating Safety Tips

    The U.S. Consumer Product Safety Commission issued a Holiday Decoration Safety Tips Flyer and here are some tips to keep in mind as you decorate your home and business for the holidays:
  • Holiday cyber security tips to ensure safe holiday online shopping

    With the holidays upon us, online shopping is predicted to increase 7 to 10%, or as much as $117 billion this season.  If you are among these online shoppers, here are a few safety tips to protect yourself from a cyber-crime.
  • Daylight Savings Time to Standard Time - Change Your Clocks on Sunday

    It’s that time of year when we gain another hour’s sleep by reverting to Standard Time.  Don’t forget to turn your clocks back one hour Saturday evening. Standard time begins at 2:00 am on Sunday.
  • Trick or Treat Safety Tips

    Here are some tips to get ready for Halloween to insure you have a safe outing.
  • Tree Maintenance & Care

    Fall is a great time to prepare the trees on your property for winter.  The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.
  • Fall Driving Tips

    Being prepared for fall’s inclement weather and hazardous driving challenges is half the battle.
  • The Ultimate 8 Fall Maintenance Tips

    With spring cleaning far behind, and summer fun all but over, it’s time to start fall home maintenance.  Fall is the perfect time to perform important maintenance to your home so you’re not caught in the middle of winter with a drafty house or a malfunctioning heater.  We’ve compiled the top eight fall home maintenance tips, along with what you can do to ensure your home stays warm and comfortable this winter.
  • Support Local Small Businesses This Weekend!

    Don’t forget! Support your local small businesses as we wrap up Small Business Week. Help our community thrive by shopping local. In addition, post a message on your Facebook page to keep our neighborhoods vibrant and alive.