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You may feel that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that nearly every business is eventually victimized by fraud or theft. In this day and age, thieves (and potentially your employees) do not need direct access to cash to steal from you—merchandise, supplies and securities are all fair game.

The following examples represent common business thefts, specifically by employees:

  • Charging...
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Did you Know?

Being a defensive driver means driving to prevent accidents in spite of the actions of others or the presence of adverse driving conditions. In other words, defensive driving means that you are ready for any and all surprises on the road.

To avoid accidents by practicing defensive driving, follow a three-step process of seeing hazards, understanding potential defenses and acting in time.

  1. See the Hazard: Think about what may happen as...
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Communication is key to a successful open enrollment.

Each year, most employers will hold an event referred to as “open enrollment.” Open enrollment is a scheduled period of time prior to the start of the company’s new Employee Benefits Plan Year. During open enrollment, employees can make changes to their benefits elections without the requirement of a qualifying event (i.e.: marriage, divorce, birth of a child). Open enrollment can be an extremely positive and rewarding experience...

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Did You Know?

According to the Centers for Disease Control and Prevention (CDC), this nasty habit kills over 480,000 people each year and this number continues to rise. With all the health risks associated with smoking, it’s important to extinguish your smoking habit for good! Here are some suggestions to get you started on your journey to being smoke-free.

  • Quitting has dramatic beneficial effects on your health within minutes.
  • After 20 Minutes: Blood...
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Professional liability insurance covers liability for damages arising from the rendering of or failure to render professional services. Protect yourself and your business from claims not covered by commercial general liability coverage.

Professional liability insurance, also referred to as professional indemnity insurance, protects professional personnel against negligence claims made by their patients or clients. Professionals who commonly turn to this type of liability insurance for...

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Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead:

  • Have your heating system cleaned and inspected by a qualified technician. Clean and replace the furnace filter if needed.
  • Insulate water pipes in areas exposed to cold temperatures.
  • Check for...
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Let’s Make This Your Best Open Enrollment

It’s that time of year again—Open Enrollment (OE) season is upon us. This can be a stressful time for both employees and employers. In fact, the 2017 ALEX Benefits Communication Survey showed that 36% of the employees polled say the open enrollment process at their company is extremely confusing and 49% of employees whose companies offer health insurance, say making health insurance decisions is always very stressful for them.

...

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Did You Know?

Lower back pain is one of the most agonizing and common health conditions in the world, as well as a leading cause of disability. According to the American Chiropractic Association, 1 in 4 adults will experience lower back pain for at least one day during a three-month timespan.

Although lower back pain is common and usually goes away on its own, there are a number of treatments you can take to prevent or relieve your pain.

Until recently, one of the most...

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When cyber attacks like data breaches and hacks occur, they can result in devastating damage. Businesses have to deal with business disruptions, lost revenue and litigation. It is important to remember that no organization is immune to the impact of cyber crime. As a result, cyber liability insurance has become an essential component to any risk management program.

Cyber liability insurance policies are tailored to meet your company’s specific needs and can offer a number of important...

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Did You Know?

A recent study from the University of Minnesota found that talking on a cell phone while driving impairs one’s ability even more than driving while intoxicated. Talking on a cell phone and other driver distractions pose a major hazard to everyone on the road.

To minimize risks while driving:

  • Do not talk on your cell phone or use the text messaging feature.
  • If you absolutely must conduct a conversation use a hands-free device and speed dial...
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