The health care reform act is officially upon us. On March 23, 2010, President Obama signed the Patient Protection and Affordable Care Act, and on March 30th the President signed the Health Care & Education Reconciliation Act. Together, these two bills make up the highly-publicized...
Did you know that the need for spoilage coverage extends beyond food-based risks? If your business has any stock that would be destroyed or rendered unusable due to an extended loss of power, then you would be wise to consider coverage that protects this perishable...
The relationship between parent and child is one of devotion and responsibility. Even in the most extreme circumstances, there is little that a parent would not voluntarily do for his or her child. However, what would a parent do for the person who was injured...
The day was progressing like any other - putting out fires, monitoring production, cultivating new business - until the receptionist announced the presence of an unexpected visitor. The hand you held out for an introductory shake was met with a bundle of paperwork. The confusion...
John F. Kennedy once said that "a rising tide lifts all boats" to illustrate the idea that everyone benefits from a strong economy. Although the accuracy of this macroeconomic view may be challenged, its optimism cannot. However, if this premise is correct, then the opposite...
Did you know that your business equipment is exposed to a unique set of risks not common to other types of property? When your equipment suffers a sudden, accidental breakdown, as a result of an event like an electrical short circuit or a power surge,...
Did you know that in the event of a disaster, business interruption insurance can be just as vital to the survival of your business as coverage for your building and its contents? While many business owners are concerned about property damage and the accompanying financial loss...
You've often heard that crime doesn't pay, but you should be aware that it can be quite costly when it occurs at your place of business. According to the Federal Bureau of Investigation, approximately 1.5 million violent crimes occurred in the United States in 2007. Usually,...
Did you know that, following a major disaster, some of your rebuilding expenses may not be covered by your property insurance? The costs of demolishing an undamaged portion of a building or of improving a structure to bring it up to code are specifically excluded...
The Saturday night crowd in the popular restaurant is larger than usual. Guests are enjoying cocktails and conversations at the bar while waiting for a table. Food preparers are busy, but activity in the back of the house is going smoothly. Suddenly, a diner, in...