According to the Federal Emergency Management Agency, 40 percent of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can help to reduce loss. In order to protect your business from unavoidable interruptions, it is recommended that you have a plan in place ..read more

Your credit score is one of the most influential factors when it comes to financial outcomes in your life. Most people know that their credit scores affect their ability to obtain a mortgage or loan. What’s more, most people understand that the interest rates they pay on loans is tied to their credit scores. However, there are even more aspects of your life that are influenced by your credit score ..read more

While owning and operating an auto body repair shop can be a very rewarding experience, owners face a number of exposures that they'll need to contend with on a daily basis in order to successfully run their business. It’s important to understand the challenges presented by these exposures, as they can cause significant damage to your clients’ property, serious physical harm to your employees and irreversible financial consequences for your business ..read more

It’s American Heart Month: What You Need to Know About Heart Disease Heart disease is the leading cause of death for both women and men in the United States, causing about 647,000 deaths annually, according to the Centers for Disease Control and Prevention (CDC). Heart disease is also an extremely expensive disease—costing the United States about $207 billion annually in health care, medications and lost productivity ..read more

If you’re like many pet owners, you consider your animals members of the family—their quality of life and health are extremely important. Should your beloved four-legged family member become ill or get hurt, your first stop is the veterinarian. Although their expertise is invaluable, it can also be quite costly. By purchasing pet insurance, you won’t be burdened with veterinary bills and can focus on making sure your pet is healthy and happy ..read more

Each year, the Occupational Safety and Health Administration (OSHA) tracks and shares its most frequently cited standards. OSHA hopes that by releasing this enforcement data, businesses will take steps to identify and address potential safety issues ..read more

Ever since the first ride-sharing app debuted in 2011, they’ve experienced exponential growth in usage. In fact, in the cities where such apps have joined the market, taxi rides have declined anywhere from 10 to 30 percent. However, while the popularity of ride-sharing apps is increasing, so is the host of risks associated with using them ..read more

If someone were to ask you what was covered under your auto insurance policy, would you be able to tell them? Like most of us, you would probably have a hard time confidently answering that question. Interpreting the various types of coverage offered under your auto insurance policy can be tricky, but extremely beneficial. The more you understand your policy, the more peace of mind you have knowing you are sufficiently covered in an accident. To help you develop a better understanding of your policy, here are six types of coverage that it may include ..read more

If you’ve ever wondered why your auto insurance premium differs from what your family and friends pay, it’s because auto insurance policies are not one-size-fits-all. Factors like your personal driving history, how often you drive and where you live can all affect the cost of your auto policy. Below are some of the main factors that can have an impact on your auto insurance premium ..read more

Don’t Fall Into This New Year’s Resolution Trap Historically, one of the top New Year’s resolutions is to lose weight. Unfortunately, many people look to fad diets and weight loss products to achieve their goals quickly. While fad diets may prove effective initially, research shows that many people don’t find long-term success with these types of diets ..read more