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Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly.

Depending on the specific type of store you manage, there are a number of exposures to consider, including risks related to property and merchandise damage...

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Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first understand what weather claims are typically covered under a standard home insurance policy.

Perils typically covered under your insurance policy include:

  • Lightning strikes—Lightning may result in severe smoke or fire damage, or cause power surges that can damage appliances or electronics in your home...
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Exercising in cold temperatures can be challenging—but not impossible. Stay active this winter by using these safety tips for exercising outdoors in the colder months ahead.

  • Wear appropriate clothing. Dress in layers and wear hats, gloves and extra socks to help contain your body heat.
  • Protect your skin. Apply lotion to your body to keep it from drying out, and wear sunscreen to prevent skin damage from UV rays.
  • Know the...
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Most homes and businesses are outfitted with heating, ventilation and air conditioning (HVAC) systems—systems that require the care of specialized technicians for service. As an HVAC contractor, you are tasked with managing a variety of risks every time you perform maintenance or an installation on behalf of your clients.

Just one incident involving the use of electrical equipment, worker injury or property damage can lead to costs for your business. What’s more, exposures related to...

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Home insurance is important to help you financially recover from a disaster. Unfortunately, the more claims you file, the more expensive your insurance rates will be. Although all claims will likely raise your home insurance rates, these five will have the greatest impact on your home insurance premium.

  • Fire claims occur when your home becomes damaged or destroyed by a fire.
  • Liability claims are filed if a person is injured or their...
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The holidays bring to mind thoughts of family, friends, fun and food. However, each year, millions of Americans struggle to maintain their waistlines during the holidays while surrounded by tempting holiday treats.

With so many social gatherings during this time, it can be difficult to avoid treating yourself when you’re offered good food and drinks. Whether you’re dieting or just trying to maintain your healthy lifestyle, fear not—you can survive the holidays and wake up on Jan. 1...

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Just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. Standard business interruption policies are vital in these instances, providing protection against a variety of common interruptions, including natural disasters, equipment damage and vandalism.

But what happens when one of your suppliers or customers experiences an interruption that derails your operations? To help address this...

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Rising premiums may leave you wondering what you can do to save money on auto insurance. While you can’t control all of the factors influencing your premiums, there are a number of cost-saving strategies you can use:

Tips to Save You Money

  1. Maintain a clean driving record. Your driving record is one of the largest factors that insurers consider when determining your auto insurance premium. You should always practice safe driving by eliminating...
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Having gone through benefits renewals with employer groups of all sizes over the years, I have seen firsthand the importance of a well-planned and thoughtfully executed open enrollment.

Although the selection of benefits is a necessary step to prepare for open enrollment, there are a multitude of other aspects that are just as important. Many employers are under the impression that they have the open enrollment process down, but a recent study revealed that about 41%...

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Celebrate Safely

Do you remember how much fun it was to get dressed up as your favorite action hero, cartoon character or princess and go door to door for Halloween treats? Well, your children can now experience that same joy. Just as your parents did for you, now it’s your turn to prevent Halloween accidents and injuries by supervising your children closely. Here are some safety tips to help you out.

Costume Precautions

  • Do not let children wear baggy or long...
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