Picture this: a devastating fire wipes out your office equipment, or a natural disaster strikes, leaving you to pick up the pieces and get your business back up and running. Do you have an emergency fund to cover that? Probably

Today, we’re diving into a topic that’s like the unsung hero of business protection: business interruption insurance. It’s the safety net you never knew you needed until disaster comes knocking. Whether you’re a seasoned professional or just starting out, understanding

This summer, the United States bore witness to the far-reaching consequences of climate change, from the drifting smoke of Canadian wildfires to flash floods in the Northeast and scorching temperatures gripping the South. Beyond the immediate physical dangers, the financial

Carbon monoxide (CO), often referred to as the “silent killer,” poses a grave threat to thousands of Americans each year. According to the Centers for Disease Control and Prevention, at least 420 people die in the U.S. from accidental CO

by Sue C. Quimby, CPCU, AU, CIC, CPIW, CLP, DAE While hot tubs, saunas, spas, and whirlpool or jacuzzi baths can be fun and relaxing, there are also hazards. According to the Consumer Product Safety Commission (CPSC), hot tub accidents

Imagine this scenario: you’re a responsible driver and you haven’t had an accident in quite a few years. Your auto insurance company notices your commitment to safety and rewards you with a reduced premium. This is a great example of