CIA Team

16
Jan

Suggestions for Creating an IT Disaster Recovery Plan for Your Business

Prepare your company for the worst with an IT disaster recovery plan. Today, data loss is one of the most serious risks that every company has to face.  While having the right business insurance, can help, it isn’t enough to completely eliminate your risk.  Because most businesses create, manage, and store a massive amount of information, there is a lot

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9
Jan

Reasons Why Your Home Insurance Premiums Increase at Renewal Time

Which factors can lead to higher homeowners insurance rates? Now that 2020 is here, you may be getting ready to renew your homeowners insurance.  Leading up to your renewal period, your insurance provider will give you a summary of your coverage and alert you to any premium changes.  If your premiums have gone up, there are many reasons that can

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26
Dec

Why Employers Should Educate Their Staff About Accessing Their Employee Benefits

Why you should review your employee benefits with your staff. Most business owners understand that their employee benefits package is a powerful tool for attracting the best candidates and retaining their current staff members.  This is why they spend so much time and money creating an enticing array of benefits for their employees.  But what’s the point of creating a

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19
Dec

The Business Insurance Questions You Need to Be Asking

Essential questions you need to ask about your commercial coverage. While the world of business is often unpredictable, your business insurance shouldn’t be.  Unfortunately, many business owners do not take the time to read through and truly understand their policies.  This leaves them confused and frustrated when they find out that their policy will not cover a claim as they

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12
Dec

Watch Out for These Driving Risks This Winter

Don’t let bad winter road conditions put you at risk. According to the U.S. DOT Federal Highway Administration, 22% of all car accidents are related to the weather.  Because winter sees some of the most extreme weather conditions (snow, ice, wind, freezing temperatures, etc.), it’s easy to see why winter is considered the most dangerous time of year for drivers. 

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5
Dec

How You Can Prevent Home Insurance Claims this Winter

Protect your home this winter. While you may be looking forward to a fun and festive holiday season, it’s important to remember that you still face risks as a homeowner.  In fact, there are several types of insurance claims that are more common during the month of December than any other month of the year.  If you want to avoid

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26
Nov

DOL Issues New Salary Limits for Overtime Exemptions

On Sept. 24, 2019, the U.S. Department of Labor (DOL) announced a new final rule that updates the salary thresholds that some individuals must meet in order to qualify for a minimum wage and overtime exemption under the federal Fair Labor Standards Act (FLSA). The final rule becomes effective on Jan. 1, 2020. The final rule affects the exemptions for

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21
Nov

Essential Questions to Ask When Reviewing Your Insurance Policies

These questions should guide your year-end insurance review. Whether it be your auto, life, or business insurance, all your policies should be reviewed on an annual basis.  If you haven’t already updated your policies this year, then time is of the essence.  Ready to review your insurance policies but not sure where to begin?  Then ask yourself these questions to get

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14
Nov

3 Costly Mistakes that Fleet Managers Should Avoid

These mistakes will cost you dearly. As a fleet manager, your business relies on the safety and efficiency of your drivers.  However, as the pressure to meet delivery deadlines mounts, your drivers may be more likely to make risky decisions that put themselves and others at risk.  While having the right business insurance, is one way to mitigate your risk,

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7
Nov

Here’s What Personal Umbrella Insurance Can Do for You

Here’s what you need to know about personal umbrella insurance. While your homeowners, auto, and other forms of personal insurance offer liability coverage, there’s no guarantee that this coverage is enough.  All policies have coverage limits and exclusions, meaning that your policies could leave you exposed to dangerous coverage gaps.  Fortunately, there is a way to extend your personal liability

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