Category: Uncategorized

The restaurant industry depends on speed—fresh ingredients, bustling dining rooms, and seamless operations. But a catastrophic event like a fire, a machinery shutdown, or a delivery chain breakdown could cause huge financial suffering. Even a basic grasp of Business Interruption Insurance (BII) can help restaurants address their unique vulnerabilities. Let’s take a deeper look. Restaurants aren’t… Read more »

The construction market in the U.S. is in a very real cost spiral, which has serious implications for homeowners and property investors. A Report by Currie & Brown stated that, in 2023, U.S. construction costs increased on average by 4% and were anticipated to further increase by 3-6% in 2024. Though the trend is evident… Read more »

Your home is your largest investment—a sanctuary built with love and the repository of innumerable irreplaceable memories. Preventing against the unexpected is exactly what home insurance is for—an essential safety net that helps to provide financial relief when calamity comes to call. Home insurance, often referred to as homeowner’s insurance, is defined as an agreement between the… Read more »

When it comes to the practicalities of negotiating the various regulations that apply in even small workplaces, the landscape is like a minefield for both employer and employee. One particular area that needs to be given due consideration is workers’ compensation insurance. Designed to offer financial assistance and medical coverage to employees who sustain work-related injuries… Read more »

Indeed, it’s that time of the year when the atmosphere oozes with excitement and anticipation. Shoppers would be trawling through the malls or through online stores to find that perfect gift for their loved ones, with the average US consumer planning to spend $1,063 on holiday-related purchases in 2024—a 7.9% increase from $985 in 2023,… Read more »

What if a sudden fire in your small business drained your entire life savings—or worse, left you buried under debt? What if a freak car accident totaled your vehicle, leaving you stranded and struggling to recover financially? For some, these are nightmares that turned into reality—but they walked away unscathed, thanks to insurance. Others? They… Read more »

Owning a home is as much about achieving the American dream as it is about providing a refuge of stability and comfort. However, with ownership comes the crucial duty of securing the home and family from accidents, one of the worst being a house fire. The National Fire Protection Association estimated that in 2022 alone,… Read more »

Crazy insurance tales have been making headlines for decades now. There seems to be no end to the capacity of humans to come up with bizarre creative solutions to secure what they think are easy payouts. Before we get into some of the craziest tales we’ve come across, it’s important to understand what insurance fraud… Read more »

Many small business owners may think that they’re “too small” a business for cybercriminals to care about and that only the big fish are susceptible to cyberattacks. This common misconception lands a staggeringly large number of businesses in hot water. It leaves them unaware and unprepared for threats that lurk around them. According to Accenture’s… Read more »

In a nutshell, workers’ compensation is a government-mandated program that pays out benefits to workers who are injured on the job or who fall ill because of the job. This typically covers medical costs, healthcare benefits, income for lost wages, educational retraining, and disability pay. While workers’ comp is a state government-mandated program, the benefits… Read more »