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Prepare for disasters in advance

Hurricane season for 2013 starts in less than a month.  Preparing in advance may take more time than we have before the next hurricane.  Or you may have a couple of years before the next major...

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Insurance Company Financial Stability

Insurance companies are rated for financial strength.  Why does that matter? Insurance is a promise to pay future losses.  If the company does not have a future, no payments.  And some losses are going...

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Flood Insurance – Hurricane Season Coming Soon

The National Flood Insurance Program (NFIP) sent us this warning/outlook for flood insurance 2013.   In summary, another tough hurricane season forecast, which means more  flooding.  And flood...

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Insurance and Employment Law – Outsourcing

What happens when you outsource jobs?  There are benefits to outsourcing in the right circumstances.  But what problems can come up and what should you do to protect your business? If the workers are...

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Who owns your company’s data? How do you make sure?

You own your data, but you have to take steps to make sure you can control it, both legally and in the cyber world. Do your employees use only devices your company owns? Have they acknowledged that...

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Limitations on CGL coverage for Pollution

In a harder market, insurance carriers raise prices. That’s pretty obvious. They also restrict classes of business they write, and tighten underwriting for new and existing clients. Less obviously,...

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Tropical Storm headed toward you?

Insurance companies prohibit adding or starting property coverage when named storms approach. A tropical storm is approaching the Atlantic coast of the US. If you want property coverage, if your...

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Flood Insurance Maps in New Jersey

Flood insurance takes 30 days to put into effect. So start now if you want it when you need it.  Try our site for quotes.  Click here, fill in what you can, and we will help you get a quote. (Remember...

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Applying for Data Breach/Cyber Liability Protection

Data Breach, Cyber Liability, rising issues, increasing danger to your company, changing insurance requirements. Here are some of the questions you have to answer to have insurance protection; and they...

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Cyber Security, Mobil Devices – Threats and Insurance

We have now seen, month after month, one major company after another suffering data breaches. You would think that people would have gotten the message about the dangers of cyber penetration and other...

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