Cyber security has become a game of cat and mouse. Security evolves and criminals adapt. Or is it the other way around? Either way, cyber threats pose a significant risk to businesses. And, according to the McAfee Labs 2016 Threats Predictions Report, businesses should be...
If you’re planning a wedding, anniversary, graduation party, Bar/Bat Mitzvah or other special event, consider adding insurance to your ‘to-do’ list. Special Events Insurance provides financial protection—just in case things don’t go as planned on that special day. Perhaps the most popular feature of Special Events Insurance...
Insurance is an essential part of running a successful business. Though you don’t have to be an insurance expert, a general understanding of the following business policies and coverages can help identify and fill potential coverage gaps. It can also make you a more informed...
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...
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...
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...
Businesses and individuals affected by data security breaches often face a long and expensive battle to repair the damage. Given the increasing frequency and severity of data security breaches, it doesn't look like this problem is going away anytime soon. Since it's impossible to prevent...
Putting employees on the road has always been risky business. Regardless of whether vehicles are personally owned by employees or part of a company-owned fleet, businesses may be held liable for losses arising out of the use of vehicles for business purposes. Though this risk...
Many people don't realize that flooding is the most common natural disaster in the United States. In the past 5 years, all 50 states have experienced floods. According to the Federal Emergency Management Agency (FEMA), total flood claims average nearly $4 billion per year. The...
Once again, the fate of the Affordable Care Act (ACA) rests with the United States Supreme Court. Though the constitutionality of the ACA isn't being challenged in King v. Burwell, the stakes may be just as high. This case involves the interpretation and applicability of...