As winter ends and temperatures begin to rise (and then sometimes fall again), the accumulating water from melting snow and ice leaves your home susceptible to damage. Protect your home ahead of time to minimize your risk.    Safety First Trained contractors can help you in the most crucial areas of your home, including plumbing and heating. If you...

Will you be giving that special gift for Valentine's Day? We wanted to remind you that your homeowners policy has some limitations for high valued items. “Special Limits” The personal property coverage provided on a Homeowners, Condominium or Renters Insurance policy contains “Special” coverage amounts ( more like limitations! ) for certain types...

An important part of understanding your responsibility for products and services is to understand how that responsibility is defined by law. Although various states and countries have differing laws relating to enforcement of legal liability, two legal theories typically apply to product liability: negligence and strict liability of defective...

Reporting lag time is defined as the time between the onset of a work injury and the point at which a claim is filed with the insurer. Lag time has been a hot topic in the workers’ compensation debate for years. Several scientific studies have found that claims filed later tend to have higher costs. The thinking is that managing a claim earlier...