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Avoiding Workers’ Comp Fraud

Workers’ compensation fraud can be expensive for employers. One of the most common types of workers’ comp fraud is employee fraud. This involves workers who seek to receive benefits under false pretenses.  How Do Employees Commit Workers’ Comp Fraud? Employees have been known to commit several types of fraud to obtain workers’ compensation, including: Off-the-job injury: An employee is injured on his own time, but...

Do I Need Different Insurance for a Vacation Home?

If you have the good fortune to own a vacation home, it is important to protect your investment. You may need a separate insurance policy to cover your second home. Vacation home insurance can help protect that property against a range of perils. Why Do I Need Separate Insurance for a Second Home? For a second home you don’t live in full time, you will...

Do I Really Need Cyber Liability Insurance?

Cybercrime has become a common occurrence. A data breach can have a tremendous impact on the health and finances of a business. If your company’s data was stolen in a cyber incursion, it can damage its reputation, expose it to liability, and interrupt business operations. Cyber liability insurance allows you to transfer some of that risk to an insurance company.  What Are the Cyber Risks...

Texas Power Outage: Here's how to Stay Safe in Freezing Temperatures

Millions of people are without heat and electricity during severe winter storms due to a Texas power outage. Freezing temperatures, snow, and ice triggered a “catastrophic failure” of the state’s power grid, the Houston Chronicle reported, leaving more than 4 million people without power across the state in the midst of extremely cold temperatures. Natural gas shortages, frozen wind turbines, and people using more energy...

The Best Kinds of Wood For Indoor Fireplaces

The Best Kinds of Wood for Indoor Fireplaces (and a Few to Never Burn Indoors) By Steven John October 5, 2020 The days grow shorter, the nights longer, leaves change hue then finally fall, lots of amazing seasonal beers (and ciders) hit store shelves, and the scent of woodsmoke drifts from a neighbor’s chimney down the road. Autumn has come. And about damn time —...