Call Us 888-484-2467
Monday - Friday 8:30am - 4:30pm Or by appointment

Prepare for a Flood: Hurricane Joaquin & Heavy Rains

As hurricane Joaquin moves up the coast we want to be sure you have as many resources as possible to deal with the heavy rains that may impact our clients.  Please the website for the National Flood Insurance Program for lots of free resources about flood and the risk from heavy rains.   The NFIP recommends the following:   Review your current homeowners insurance policy and become familiar with what is and is not covered, as damage due to flooding is typically not covered. Make a flood plan and plan evacuation routes. Itemize and take pictures of possessions. Keep valuable items and family heirlooms on the upper floors of your home or building.  We offer free home inventory information & forms on the free reports section of our website or by clicking HERE. ​BEFORE A FLOOD OCCURS ​ Prepare your house. First make sure your sump pump is working and then install a battery-operated backup, in case of a power failure. Installing a water alarm will also let ...
Read the rest of entry »

15 Time Wasters to Avoid to be Successful

I try to be a very efficient person.  I keep notes and stay fairly organized and really try to finish one task before starting another.  This is sometimes difficult for my position where my day is often filled with interruptions.  When an emergency or something urgent arises of course I stop what I am doing and deal with it immediately.  Then I go back to what I was working on before I stopped.  I keep notes so I can easily pick up where I left off.  I also use a program on my computer that just runs in the background called Rescue Time.  The CEO of a marketing company we work with used it.  It keeps track of the time you spend on computer based activities.  I can review this and put items in many different categories all sorted by efficiency.  I came across the following info graphic which is a visual representation of 15 time wasters successful people avoid. Although planning is number 5 on the list I am a planner and I think by planning ahead it helps me to ...
Read the rest of entry »

Presidential Proclamation: National Childhood Cancer Awareness Month, September 2015

Pediatric cancer affects thousands of young Americans each year. It is the leading cause of disease-related death for children, and this year, more than 10,000 of our Nation's youth will be diagnosed with this tragic disease. Every September, America honors all those who have been affected by this life-threatening illness: young girls and boys whose childhoods have been cut short, the loved ones who know the pain pediatric cancer causes, and the communities across our country that rally to support their friends and neighbors during difficult times. As a Nation, we come together to stand with those who have experienced devastating loss, and we renew our commitment to advance research, improve treatment, and ensure a brighter, healthier future for all young Americans. I follow several children and their families that are fighting this horrible disease on Facebook and there are lots of ways you can help: 1) The Keys Program: This is one of my favorite charities.  They bring smiles to children battling a l ...
Read the rest of entry »

5 Ways to Run a Successful Meeting

Stuck in a tedious and over-long meeting a couple of weeks ago, while other attendees were checking their smartphones, I was thinking about how we all want to have more effective meetings but never seem to succeed in improving them. You could fill a whole library shelf with books on the subject but that may be part of the problem: There are too many "rules" and not enough buy-in! So, here's a simple 5-point basic plan I jotted on my note pad during that meeting that might give you some food for thought about how to streamline your meetings and the outcome. • If decisions don’t need to be made, you possibly don’t need a meeting. Use email or social media for gathering opinions and reporting back. • If decisions do need to be made, only invite the people who really need to be there for the decision-making. Others with a vested interest can be updated in a note. • Have a timed agenda with no more than three key issues, each with a stated objective. • Start each meeting ...
Read the rest of entry »

Important TIPS For Teens Going To College

Is someone you know about to join the 21 million students attending American colleges in the coming semester? If so, do they know the rules about campus safety? These days, knowing the risks and staying safe is a bigger concern than ever. Security falls into two basic categories: personal safety and protection of property. Although personal safety is the more important, 80 percent of all campus crimes are property related. Most colleges have their own campus safety policies and guides but the basics that all students should be aware of include the following: • Keep apartment or dorm windows and doors locked at all times and don’t allow strangers to follow into residence blocks. • Park cars in well-lit areas and keep them locked. Don't leave valuables inside. • Bicycle owners should use a strong lock, and chain the bike to a sturdy fixed point. • When going out, let someone know where you're going and when you expect to return. It's safer to go out with someone else. &bul ...
Read the rest of entry »

Watch Out For Parking Lot Tricksters

A quick warning to watch out for parking lot "Samaritans" -- con artists who claim they spotted smoke coming from your car, or another problem, and offer to put it right for you. I've read about these tricksters quite a lot recently. In most cases, they're just out to make a quick buck, usually claiming that they happen to be auto mechanics.  If this happens to you, the best thing is to refuse their offer, get in your car and drive away. Don’t leave your vehicle because these crooks might try to take revenge on it. Then get your car checked out by someone you trust. Another parking lot problem I hear more about these days is the fake "accident". This time, the scammers purposely get in your way when you're backing out. They may be on foot or in a vehicle, but the aim is to get you to bump them so they can make a claim on your auto insurance. They may even threaten you and demand cash there and then. Look out for people hanging about near your car when you return to it, or people sittin ...
Read the rest of entry »

New Flood Insurance Regulations

Assurant, one of our Flood Insurance partners has made us aware of some new legislation that will affect many homeowners: Federal Agencies will Require Escrow for Flood Insurance Beginning January 2016. Up until now flood insurance was not in escrow and the homeowners were required to purchase flood insurance and pay for the policy in full in advance.  No financing or payment plans were available.  If you didn't purchase a flood policy and you were in a special hazard area the bank would force place a policy for you - just enough to satisfy the mortgage. Five federal financial agencies this week finalized a rule requiring lenders to escrow flood insurance premiums for homes in flood zones, and exempting homeowners from a requirement to buy flood insurance for detached structures.  Highlights of the agencies’ action:  • Banks and mortgage servicers must escrow for flood insurance premiums on mortgages made, increased, extended or renewed after Jan. 1, 2016, for customers in s ...
Read the rest of entry »

Planning To Travel? Gets The Facts About Travel Insurance Here

Are you planning a vacation this year? Organizing a trip is one of those exciting-but-exhausting experiences. The prospect of all that fun can be tinged with all the hassle of planning and last minute hitches. If you're traveling abroad you have to make sure you've got your passport, visas, currency, tickets, inoculations -- and don't forget the phrase book! Even vacationing in the US involves a bewildering array of activities like finding accommodation, mapping routes and places of interest and doing all that packing -- and don’t forget your reading glasses and medications! Amid the flurry, it's easy to overlook a key component of your safety -- travel insurance. I get a lot of questions about that at this time of year, mainly: What does travel insurance cover and do I need it? There are four main types of insurance and what they cover largely dictates whether you need it: *Cancellation coverage, which can protect you both if you have to cancel your trip or if the provider goes bus ...
Read the rest of entry »

Don't Make This Mistake

I wanted to alert you to a risk you may be facing but may not discover until it's too late. When it comes to insurance, many business owners make one of two mistakes: They believe property and general liability insurance will cover all the risks they face; or they're aware of other dangers but don’t think they can be protected. In most cases, they're wrong on either count. Scores of additional hazards may threaten a business, while almost every conceivable risk can be protected with insurance -- if you know where to get it. The principle categories of business insurance are: *General liability -- for accidents and negligence claims. *Product liability -- for defective or unsafe products you make or sell. *Professional liability, sometimes known as errors and omissions -- for claims alleging malpractice or mistakes. *Commercial property -- for damage to your buildings caused by a wide range of hazards. *Employee benefits including health, life and disability. *Vehicle and equipment ...
Read the rest of entry »

How to Keep Your Cell Phone Safe

Are you like me, getting into a mild panic when you can’t find your cell phone?  My cell phone case also doubles as my mini wallet.  I store some cash, credit cards and driver's license in in so I don't have to carry my large pocketbook everywhere!  Men I am sure you can relate!  hahaha :-) We've all become remarkably dependent on those clever little mobile devices but somehow more than 100 disappear -- either through carelessness or theft -- every minute. Often, the loss is not just a matter of inconvenience. Sometimes, phones contain lots of confidential information that could lead to all sorts of trouble if they get into the wrong hands. So, for 2015, I'm going to try to get better at looking after my cell phone and I'm sharing with you some of the tips I've collected on how to do that, in case you feel the same way. * Don’t take it out of your pocket or purse and place it on a table or wherever you happen to be sitting. It's easy to forget and it's an easy targ ...
Read the rest of entry »
Pages: Previous1234567...17NextReturn Top
Get a Quote or call 888-484-2467