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.

• How to wrap the perfect holiday gift!

  Wrapping the perfect holiday gift involves a mix of preparation, creativity, and attention to detail. Here’s a step-by-step guide:

• Online Shopping - Beware!

  Online shopping has revolutionized how we buy goods, but it comes with its own set of risks. Here are some important tips to stay safe while shopping online:

• Safest SUV's for 2024

  Here are some of the safest SUVs for 2024, based on crash-test ratings and advanced safety features evaluated by the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA):

• Time to winterize your car

  Winterizing your car is crucial for ensuring safety and reliability in colder months. Here’s a checklist to help you prepare:

• The need for Directors and Officers Coverage

  Directors and Officers (D&O) insurance is essential for companies of all sizes, as it protects corporate executives, board members, and other key decision-makers from personal liability arising from actions they take on behalf of the organization. Here’s why this coverage is so important:

• Time to change the clocks

  Fall Back

• My identity has been stolen - now what?

  If you’re concerned that your identity has been stolen, there are several warning signs to watch for. Identity theft can manifest in various ways, so being aware of unusual activity related to your personal information is key. Here are some common indicators:

• Tips for making gutter cleaning easier

  Gutter cleaning can be a tedious job, but with the right approach, you can make it easier and more efficient. Here are some tips to help:

• October is Cyber Security Awareness Month

  Yes! October is Cybersecurity Awareness Month, an annual event designed to raise awareness about the importance of protecting your online information and staying safe in the digital world. It was launched in 2004 by the U.S. Department of Homeland Security and the National Cyber Security Alliance (NCSA) to help individuals, businesses, and organizations adopt better security practices.

• When you update a home inventory

  To make it easier to get homeowners insurance or evaluating what you have, creating a thorough home inventory and updating it every few months is advised.

• Preparing your garden for Fall

  Preparing your garden for fall is an important part of ensuring its health for the upcoming winter and setting it up for success in the spring. Here’s a step-by-step guide to help you prepare your garden for the fall season:

• Insurance needed for college students

  College students often need specific types of insurance to cover various risks and responsibilities. Here are the main types of insurance that can be important for college students:

• Happy Labor Day!

  On behalf of all of us at the agency, we wish you all a safe and happy Labor Day weekend.

• Preparing your home for Fall

  As fall approaches, it’s a good time to prepare your home for the cooler weather and the seasonal changes ahead. Here’s a comprehensive guide to help you get your home ready for the fall:

• Schools Back - Safety Checklist

  As we near that time of year when kids head back to the classroom, the American Red Cross offers this checklist you can follow to help make sure your student is safe.

• Handling water damage after heavy rain/flooding

  Dealing with water damage after rain and flooding can be a challenging task, but taking immediate and proper steps can help mitigate the damage and prevent further issues like mold growth. Here’s a guide on how to handle water damage effectively:

• Extreme Heat - What to Do

  Extreme heat can be dangerous, but there are several steps you can take to stay safe and cool:

• Protecting Your Skin in the Summer

  Protecting your skin during the summer is crucial due to increased exposure to UV rays, higher temperatures, and outdoor activities. Here are some tips to keep your skin healthy and protected:

• Hot weather and wildfire preventions

  Hot weather increases the risk of wildfires due to dry conditions, which makes vegetation more flammable. Here are some wildfire prevention tips during hot weather:

• Children and Pool Safety

  Ensuring the safety of children around pools involves several key measures:

• Why You Should Learn Emergency First Aid

  Learning emergency first aid is essential for several reasons:

• Grilling and Food Safety

  Cooking outdoors was once considered strictly a summer activity, but now more than half of Americans say they are cooking outdoors year-round. it’s important to follow food safety guidelines to prevent harmful bacteria from multiplying and causing foodborne illness when cooking outdoors. Use these simple guidelines for grilling food safely.

• Protect Yourself From Lyme Disease

  Protecting yourself from Lyme disease involves several strategies aimed at avoiding tick bites, the primary means of transmission. Here are some effective measures:

• Hurricane Season is Here

  Getting ready for Hurricane Season takes planning. The severity of the storms has caused millions of dollars of damage.

• Memorial Day

  As we celebrate Memorial Day weekend, here’s some facts about when it was established.

• Getting your lawnmower ready for the season

  Getting your lawn mower ready for the mowing season involves several important steps to ensure it runs smoothly and efficiently. Here’s a comprehensive guide to help you prepare your lawn mower:

• Construction Safety Week - May 6-10

  Construction Safety Week is an essential initiative aimed at promoting safety and health in the construction industry. Here’s what you should know:

• Women's Health Care Month

  National Women’s Health Week is May 12-18, 2024, and we encourage women and girls to make their health a priority.

• How to protect your car from vehicle theft

  Protecting your car from theft involves a combination of common sense precautions and utilizing modern security technology. Here are some tips to help safeguard your vehicle:

• IIHS' Top Safety Pick for Midsize SUVs

  The Insurance Institute for Highway Safety issued its top five SUV vehicles for 2024. By brand Hyundai Motor Group was top followed by Toyota Motor Corp and Mazda.

• What response strategy should you consider for workplace violence

  Developing a response strategy for workplace violence is crucial for ensuring the safety and well-being of employees. Here are some key considerations:

• Indoor Easter Egg Hunt

  An indoor Easter egg hunt can be a fun and creative way to celebrate the holiday, especially if the weather outside isn’t conducive to an outdoor hunt. Here’s a guide to organizing an indoor Easter egg hunt:

• What you should know about lithium-ion batteries

  There’s an average of one battery fire every two days in the US, according to the Consumer Product Safety Commission. About 1.5% of lithium-ion batteries are linked to overheating, explosion, or fire incidents each year.

• Trees Surviving the Winter

  With the severe winter we have had trees have suffered damage from wind, hail, and snow. To check to see how your trees faired, use these tips:

• Spring Forward

  Don’t forget to change your clocks on Saturday night by moving them an hour ahead.

• Protecting Your Business from Carbon Monoxide Poisoning

  Winter carbon-monoxide called the “silent killer “is a result of poorly working furnaces or gas- powered equipment.  Having your furnaces checked annually by a qualified professional can certify that it is working properly with adequate ventilation.

• Warmer weather is melting snow and ice, what can you do?

  When warmer weather begins to melt snow and ice, there are several things you can do to address the situation:

• Preventing Ice Dams

  To prevent ice dams, there are several steps you can take:

• Protect Your Furry Friend this Winter

  We bundle up our kids, wrap scarfs around our spouses, but what about your four-legged family member?  Here are some measures to take to protect them from the cold.

• Before Your Buy Your Next Car

  Before you buy your next car, please read the following regarding vehicles with the highest collision claim losses according to IIHS.

• Taking Care of Our Feather Friends

  Birds require special care during cold and freezing weather to ensure their well-being.  Here are some care tips:

• Cut down on winter drafts

  To reduce cold wind entering through windows and doors, there are several measures you can take:

• Experience High Winds and Icy Conditions

  Experiencing high winds and icy conditions can be challenging.  Here are some steps you can take to navigate through such conditions:

• Time to review your Business Continuity Plan

  With the start of the new year, it is a great time to review, change, and update your Business Continuity Plan.  One area you need to integrate into your plan is a Cyber Response Plan.  Why because cyber can be devastating to a business and catch your business continuity team by surprise.

• Happy New Year!

  Here’s to 2024 – 

• Merry Christmas

  On behalf of all of us at The Heritage Group, we wish you and yours the happiest of holidays.

• The dangers of candles during the holidays

  Candles can pose several dangers during the holidays if not used with caution.  Some potential risks include:

• Christmas Tree Safety Tips

  Keep your Christmas tree from becoming a ticking time bomb by using these holiday fire safety tips:

• Holiday Shopping Fraud

  Holiday shopping fraud refers to fraudulent activities that occur during the holiday season, targeting unsuspecting shoppers.  These scams can take various forms, such as fake websites, phishing emails, counterfeit products, or identity theft.  It is important to be vigilant and take precautions to protect yourself from falling victim to holiday shopping fraud.  Here are some tips to stay safe:

• Get prepared for Thanksgiving Dinner

  Here are some tips from PropertyCasualty 360 to help mitigate the risk of a fire this Thanksgiving holiday:

• Beautiful Autumn - Lots of Leaves - Lots of Hazards

  We have had a beautiful autumn filled with colorful leaves that are no longer on the tree.  With this colorful blanket on your lawn, steps, and sidewalks, you have potential risks.

• Veterans Day - Honoring All Who Served

  Thank a Veteran for their service this weekend

• Time to change your clocks

  Time to change your clock

• Trick or Treat Safety Tips

  Trick or Treat Safety Tips

• What do I need to do to protect myself from a cyber attack?

  To protect yourself from a cyber attack, there are several important steps you can take:

• Winterize Your Home

  Winter is rapidly approaching and now is the time to prepare your home.  Here are some projects that can help you keep the cold air out and the warm air in.

• October is Cyber Security Awareness Month

  Over the next few weeks, we will post tips and cyber protections that you can put into place for you and your family members.

• Never Thought I Needed Them

  Never thought I’d need them – receipts and appraisals until having to file a claim.  Here is why you should have them.

• Cyber Risks in your Smart Home

  Protecting your smart home from cyber risks is crucial to ensure the security and privacy of your personal information and devices. Here are some steps you can take to enhance the security of your smart home:

• Garden Safety for Seniors

  We love to garden and for seniors especially so.  Here are some safety tips to insure a happy gardening session.

• Happy Labor Day

  Happy Labor Day! Today, we raise our voices in gratitude for the men and women who built this nation with their hands, dedication, and unwavering belief in the American dream.

• Equipment Breakdown Not Part of a Homeowner's Policy

  Equipment breakdown is typically not included in a standard homeowner’s insurance policy.  Homeowner’s insurance covers damage or loss caused by specific perils such as fire, theft, or natural disasters.  However, equipment breakdown coverage is usually offered as a separate policy or as an endorsement to a homeowner’s policy.  This coverage is designed to protect against the cost of repairing or replacing household appliances and systems that break down due to mechanical or electrical failure.  Not sure if you are covered, give us a call at the agency and we will gladly review specific coverage options.

• Thinking of Buying an SUV

  Over half of new vehicles sales in the US are SUVs.  Nine out of every ten SUV owners plan to keep their vehicle for life, and 94% stated they feel more confident on the road while driving an SUV according to Car and Driver.

• Back to school safety tips

  Kids are on their way back to school much to their dismay and it is time to review how to keep them safe.

• Child Safety in the Garden

  Many gardening injuries involve children, particularly in the under-five age group. Safety suggestions include: 

• Don't Overdo Gardening

  Gardening can cause back pain and overuse injuries.

• Kill Switch

  The US Coast Guard has responded to many a boating accident.  They have seen loss of life and serious injury due to a moving propeller which can either amputate or maim in the blink of an eye.

• Lawnmower Safety

  Common lawnmower injuries include open wounds and bone fractures involving the hands and feet. Eye injuries can also be caused by the mower blades flicking up debris such as sticks and stones. Safety suggestions include: 

• Water Safety Tips

  Every 10 minutes someone dies from drowning.  One out of every five drowning victims is a child.  With the Summer here, it is a great time to review some safety tips.

• Safety during the Fourth of July

  Here are some tips to have a safe Fourth of July holiday for you, your family, and friends:

• Inclement Weather

  People across America are experiencing severe inclement weather.  What you might not have considered is you need to have access to weather updates to properly prepare yourself and your family.

• Russian hackers signal imminent attacks on US businesses

  Russian hacker groups, KillNet, REvil and NoName057, announced they will initiate imminent attacks against US businesses. 

• Wildfires and Air Quality

  The Canadian wildfires have threatened the quality of our air and you might wonder what you can do to mitigate the effects.  Depending on how close you are to the fire, will determine what you should do.

• Thinking About Starting a Vegetable Garden

  With the cost of food steadily going up, some families are looking to start a vegetable garden.  But where do you start.  Here are some tips from the Old Farmer’s Almanac which can help.

• Memorial Day Grilling Tips

  Are you firing up the grill this Memorial Day weekend?

• Wildfire Season

  With all the flooding, heavy rains, and tornados, we now must add wildfires to the list.

• Protect Yourself in the Garden

  Sun, ultraviolet radiation, can start to burn unprotected skin within minutes. To help protect yourself before going into the garden, these tips are helpful:  When the UV level is three or above: 

• Are you considering buying a classic car?

  Do you remember your first car?  Do you know what the car is worth today?  Classic and collector vehicles are more popular then ever.  Not only are they holding their value, but they are growing.

• Workplace Violence Awareness

  April is a shining a light on Workplace Violence.  Courtesy of our Agility Recovery partner, the attached checklist will help guide your response to a workplace violence situation.

• Easter Baskets and Easter Eggs

  Ever wonder when Easter baskets and Easter eggs began.  You might be surprised to learn that the tradition dates back to the 13th-14th century when baskets were lined with linen and sprigs of boxwood, the Easter evergreen.  Baskets contained Easter food samples and brought to the church to be blessed on Holy Saturday.

• April is National Stress Awareness Month

  Americans are so stressed that April has been designated as National Stress Awareness Month.

• Roads are getting more dangerous

  As a driver you have probably experienced that driving on our roads is getting dangerous.

• Watch Out for Potholes

  Weather has played havoc on our roads and potholes are popping up on all major highways and side roads.  To avoid the hassle and expense of pothole damage, here are some suggestions.

• Back Up Generators

  Power outages are common following storms, and the recent events have left many people without power.  Backup generators are incredibly useful, but they do come with risks.

• Stock Up on Food and Water

  With the current inclement weather working its way across the US, it is difficult to get to the store for essentials.  When you can get to the store, we suggest you buy additional supplies of water, powder milk, bread, and commonly used items every week when you shop. Then, when a storm hits, you don’t have to worry.  You will have a stockpile of supplies on hand that fit your need.

• What to know about fog

  With crazy temperatures going from freezing cold to warm conditions, it is not uncommon to experience fog.

• Ice Melts

  With the dramatic changes in temperatures – snow is melting to ice.  What can you do to make your property safer?

• Freezing Temperatures and Your Garage

  With the extremely low temperatures across the US, one area of your home that you might not have winterized is your garage.  Here are a few, quick tips to keep your garage problem-free:

• Winter and High Winds

  This winter has been brutal.  Heavy snow, record rainfall, and high winds have caused significant damage.  However, did you know Wind and Hail Insurance Coverages are actually separate insurance policies.  These policies help pay the costs to repair or restore your home and property damaged or destroyed from a qualifying weather event.

• Ice Skating Safety Tips

  Winter is a great time for kids and adults to take advantage of winter sports, especially ice skating.  But, just like any activity, there are some risks.  So before venturing out to the rink, take a look at some safety tips:

• Cold weather fire hazards and preventions

  Cold weather and keeping warm.  It can be a challenge.  Some people revert to devises which can be significant fire hazards.

• 10 Most Common Christmas Day Claims

  Wondering what the most common claims are during Christmas?  Here they are courtesy of a survey conducted by Selective Insurance:

• Tyler A. Terpening, CIC, TRA, CLCS Receives Prestigious TRA Certification

  The Heritage Group, an independent insurance and risk management firm, announced today that Tyler A. Terpening, CIC, TRA, CLCS, Vice President has been certified as a Trusted Risk Advisor TM (TRA) by Beyond Insurance and the Professional Insurance Agents.

• Dangerous Toys for Children

  It is that time of year when you are searching for toys for holiday gifts.  As we have done every year, here is the list of most dangerous toys according to World Against Toys Causing Harm to avoid this holiday season.

• Holiday Hazards

  We are all getting ready for the holidays and there are hazards that you should prepare to insure a “happy” holiday.

• Scam URLS to Watch for When Shopping

  Nearly 36% of all online retail fraud reports to Better Business Bureau Scam Tracker start when the consumer is lured to a fake website, which tries to impersonate a well-known brand name retailer.

• Beware on Black Friday

  Friday is the biggest shopping day of the year and scammers/hackers are primed to steal your information.  Here are some things to guard for:

• Winterize your pipes

  With freezing weather coming our way, it is a good time to prepare your home.  Here are some tasks that will help to protect your pipes and more from freezing.

• Remembering on Veterans Day

  Honoring all who served.

• Autumn Maintenance Honey Do List

  Lots to do before Winter kicks in and here are some maintenance tips to help start to prepare:

• Beware of Halloween Candy

  This Halloween our children may be targeted with candy that has been tainted with fentanyl and other dangerous drugs.

• Worried about being underinsured

  According to Steve Hallo in his recent article on Property/Casualty 360, more than half of home and auto policyholders worry about being underinsured.

• Breast Cancer Awareness

  Every October we focus on breast cancer awareness. From runs to fairs, resources are available to bring you the latest in breast cancer treatments and advances.  Breast cancer is the most common cancer among American women.

• Cyber Awareness Month

  Since 2004, October has been designated as Cyber Awareness Month.  Now more than ever, it is critical for businesses and individuals to protect their information. Take the time this month to implement the following:

• Child Safety Devises

  With our children back to school, some walking and some taking the bus, we worry about our children’s safety.  Here are some emergency safety devises to get your child the help they need immediately.

• 9/11 Remembrances

  Throughout this weekend and on beyond Monday, we will all remember exactly where we were on 9/11.  We will remember the pictures, the bravery of the men and women in New York, Pennsylvania, and the Pentagon.

• Wonder why we celebrate Labor Day?

  We are all used to a long Labor Day weekend, but do you know when Labor Day was started? 

• School Buses

  With students back to school and taking the bus, it is good to review a couple of safety tips.

• School Supplies

  Well, it is finally here, the children are going back to school.  Most schools give parents a list of what the student needs; but, if you are not sure what supplies they need, here are recommendations by grade courtesy of school + supplies.

• Are you aware of Employee Retention Credits?

  Enacted in March of 2020, as part of the CARES Act, business owners can apply for a refundable tax credit designed to reward business owners for retaining employees throughout the COVID-19 pandemic.  This credit is available for both small- and mid-sized businesses.  You can get up to $26,000 per employee.

• Sun & Your Skin

  Summer is a great time to spend outdoors especially at the beach.  Protecting your skin from skin cancer requires you to protect yourself.  Here are tips to stay safe in the sun: from sunscreen to sunglasses courtesy of the US Food & Drug Administration.

• Hot weather & food

  Hot weather can increase the risk of foodborne illnesses. The microbes that cause food poisoning flourish in warmer temperatures. Using a few simple food safety techniques will help you avoid food poisoning at your next outdoor gathering.

• Planning a barbecue this weekend?

  Every year there are 5,700 grill fires, causing $37 million in damages, 100 injuries and 10 fatalities occur. July is National Grilling Month and to keep you from becoming one of these statistics, we have some tips to follow according to the U.S. Fire Administration.

• Keeping Cool in Summer Heat

  If your business has employees that works outdoors, Summertime brings challenges.  How do you keep your employees cool and able to work in extreme temperatures?

• 4th of July Safety

  Want to wish you and yours a very happy 4th of July.  To help keep you safe, we have these tips regarding fireworks, animals, and food.

• Think about getting a dog?

  If you saw the Westminster Dog Show, you saw a bloodhound win Best in Show.  After watching this show, you may want to go out and adopt a dog. But did you know there are certain breeds you should avoid from an insurance standpoint.

• Happy Father's Day

  Sunday is Father’s Day - to all the fathers we want to wish you a Happy Father’s Day.  You are always there for your children with love, guidance, and patience.  Enjoy your day.

• Avoid Drinking and Piloting a Boat

  If you saw the news lately, you saw that a family was killed by a drunken boat driver.  We all want to have fun on the water but drinking and handling a boat are two different things.

• Preparing for boat season

  It’s here.  Launching your boat for the season.  But, before you do so, here are some maintenance tips to get you ready.  Create your list and check the tasks off one at a time.

• Remembering on Memorial Day

  To those who are serving, those who have served, and to those that paid the ultimate price, we remember them all this Memorial Day.

• Business Spring Cleaning

  Steve Hallo from NU Property Casualty 360 in a recent article wrote about an increase in severe weather and storms for the upcoming hurricane season.

• Getting Ready for Barbecue Season

  May is known as National Barbecue Month, so we thought we post some grilling safety tips, courtesy of First Alert, to get you started.

• Celebrating Mother's Day

  Mother’s Day honors the mother of the family or individual, as well as motherhood, maternal bonds, and the influence of mothers in society.  It is always celebrated on the second Sunday in May and started as a women’s movement to better the lives of other Americans.

• National Small Business Week

  From May 1-7, National Small Business Week honors those entrepreneurs in our country who have introduced a large variety of new ideas to grow our economy.

• What is affecting general liability pricing?

  Have you been noticing that general liability has steadily trended upward.  To help you control your costs, know your risks.

• Wonder about the history of Easter Egg Hunts

  With Easter this weekend, communities are celebrating not only with church services but with Easter Egg Hunts.  Ever wonder when they began and why?

• Foundation Damage Prevention

  Spring brings with it rain – lots of it.  One area that can be seriously affected and often forgotten is your foundation. Damage can average around $4,000 to up to $10,000 or more.

• Cybersecurity Dos and Don'ts for 2022

  Businesses are challenged daily with cyber warfare.  To try to keep your business safe, here is a list of Dos and Don’ts which you should consider.

• Passwords

  Trying to remember passwords for all your applications and devises can drive you crazy.  You leave them on stickies on your computer display, under the keyboard, or in your top drawer.

• Bad weather predicted

  Looks like we are in for heavy winds and inclement weather.  Make sure that you have secured any outdoor furniture, garbage cans, and children’s toys.

• Eye Strain

  According to the American Optometric Association, two or more hours of continuous daily use of digital screens can cause computer vision syndrome (CVS).¹ Sustained viewing of screens can increase the likelihood of CVS and related symptoms, such as eye fatigue, blurred vision, headaches, itchy and tired eyes, and neck/shoulder pain. Review these tips to help minimize eye strain.

• Are you prepared for a cyber attack?

  With the invasion in Russia, Iran and China are posed to attack American businesses.  Is your business protected with cyber liability insurance?  Now is a good time to contact the agency and obtain a policy.  It is also a good time to test your cyber protocols and training.

• Heart Healthy

  With February being American Heart Month, it’s a good time to look at heart-healthy foods and what you can do to reduce heart disease, the number one killer of Americans.

• Workplace Security

  With security/cyber breaches a frequent occurrence, it is imperative that a small business put in place the security protocols to protect their business when employees are working remotely.

• Prevent Frozen Pipes

  Cold weather is affecting our area and with it frozen pipes.  To help prevent frozen pipes here are some tips from the Travelers.

• Small Business Privacy Protection

  Data breaches and cybersecurity threats can threaten the security and privacy of a small business. A cyber attack, for instance, can result in stolen personal data from customers. Some of this data might later be used for identity or credit card theft purposes.

• 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 2017!

  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.