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Bars and restaurants are not the only businesses that need to be concerned about liability related to liquor exposures. Even if your organization is not in the “liquor business,” it isn’t unusual to have alcohol served at company functions. Guests who drink too much at your holiday party, open house, or summer picnic and later cause an accident, may leave you contending with a liquor liability lawsuit. In the worst-case scenario, someone may lose their life. It is estimated the average cost of wrongful death lawsuits is $500,000 according to the Insurance Information Institute. Det

Late one Friday afternoon, John was wrapping up his week when he received an email from his boss. The email detailed that their most recent project was nearing completion and he provided account information for wiring payment to their contractor. Excited for tonight’s big game and not wanting to stay one minute longer than he had to, John went ahead and made the requested $16,000 transfer. The following week, the accounting department at John’s company came across the payment when reconciling their most recent transactions. Not having received any notification from John or his boss, acc

Imagine having to list the items you have in your home and the amount they’re worth. Most of us would struggle to do this; we would forget important items and assign the wrong financial value to the things we hold dear. In case of an emergency, an accident, a fire, or other disaster, you want to make sure that your insurance will cover the loss of your home and belongings. One of the ways to strengthen a homeowners insurance claim is to create a home inventory of your personal and household belongings. An up-to-date home inventory can allow you to keep track of your belongings, how much t

Taking out a homeowners’ insurance policy can be a simple process for many families. So simple, most homeowners don’t put much thought into the process. They know that home insurance is a necessity that they need to protect their property and personal belongings from damage or theft. But, what about those who live in areas that are prone to flooding? Will their basic home insurance policy cover damage caused by a flood, or will they need to take out additional flood insurance? The topic of flood insurance can turn the simple process of taking out a homeowner’s insurance policy on its

A good life insurance policy can provide us with peace of mind and your family with the financial assistance they will need later. Before taking out a life insurance policy, it’s important to understand the principal types of life insurance and how you can benefit from them. When it comes to purchasing life insurance policies, it’s important to understand the two types-  term and whole life. Also known as permanent life insurance, whole life can cover a wide range of categories including traditional whole life, universal life, variable universal life, and variable life. Whole life in

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