Many believe that expensive homeowners’ insurance is just the reality of living the American Dream. But, there are ways to lower your premium. This year, instead of (only) cringing and cursing about the cost of renewing your homeowners’ insurance, find out if any of these...
We hope you took time during National Cyber Security Awareness Month (October) to think about cyber security. Existing and emerging cyber threats can compromise business networks, devices and data. They can even jeopardize the success and existence of any business. Though 2015 will soon be...
For the first time, all applicable large employers must comply with the Affordable Care Act's annual healthcare reporting requirements. Employers that averaged at least 50 full-time or full-time equivalent employees in 2014 must report specific 2015 healthcare information to the Internal Revenue Service. Reports for...
They say change is the only constant in life. Chances are you've already experienced some of life's bigger changes, like marriage, childbirth, a new job, house or car, becoming an ‘empty nester' or retirement. Chances are you didn't consider how these changes may have affected...
Running a successful small business requires more than the ability to generate revenue. It also requires the ability to avoid (or at least limit) losses. Though revenue can make a business blossom, losses can make it wilt. Oftentimes, what makes a small business successful is...
Products liability cases typically make the headlines when a manufacturer is hit with a massive jury award for injuries caused by its defective product. As a result, many believe only large manufacturers need to worry about products liability. However, products liability extends well beyond manufacturers. If...
We hoped Anthem's January data breach would be the last large-scale event of 2015. Our hopes were dashed by the Office of Personnel Management's massive breach that exposed personal information of more than 20 million current, former and prospective federal employees and contractors. This is...
Motorcycle owners tend to be enthusiasts who have made riding an important part of their life, and their numbers are growing. According to the National Highway Traffic Safety Administration, the number of registered motorcycles has been steadily increasing for years. Given the inherent risks of...
Telemedicine generally refers to the practice of using telecommunications technologies (phone, Internet, etc.) to diagnose and treat patients, and in case you haven't noticed, it's come a long way. Consider this: The Centers for Medicare & Medicaid Services describes telemedicine as a cost-effective alternative to...
For those living or working in the Atlantic hurricane region, June 1st rarely passes unnoticed. At Setnor Byer Insurance & Risk, we know Hurricane Season is rarely easy and often stressful. We also know the importance of being prepared for whatever Mother Nature has in...