As 2013 begins, we continue to see repercussions of past year’s natural catastrophes which tallied $57.9 billion in insured losses in 2012 alone.  Insurance is being used to rebuild entire communities. To that end, consumers will see is a sharp increase in property insurance rates, both on the Homeowners and Commercial Property sectors. Almost  all insurance companies are seeking […]

Reprinted with permission from Independent Agent magazine: Who is liable if a holiday guest gets food poisoning or drives home drunk? As millions of Americans host and attend holiday parties across the street and across the country, many may be unaware of the risks they may be taking. According to Trusted Choice® and the Big “I,” […]

There is no question that the ownership and use of our autos present us with the greatest personal liability exposure. But our normal daily activities can expose us to the potential of a large liability claim that could threaten our personal assets. One of the best ways to understand the need for a personal umbrella […]

As an insurance advisor, wekeep current on the trends in the insurance industry that may affect your insurance protection. To that end, we want to make you aware of some changes we are seeing as a result of last year’s catastrophic losses that are illustrated in our March 8th blog entry. “Despite Mild Winter, Keep An Eye on Rising […]

reprinted by permission from  IA&B: Who’s considered an insured at the time of a loss under a commercial general liability (CGL) policy will make all the difference in a claim. Under SECTION II – WHO IS AN INSURED of the CGL, the first category of an insured refers to named insureds. Who is an insured […]

We have had an abnormally mild and snow-less winter. That doesn’t mean that Mother Nature has been taking it easy. In fact, her activities caused about $36 BILLION in losses in 2011. Four of the Top 10 catastrophic events worldwide took place in the United States. From Hurricanes Irene and Lee, to the tornadoes in […]

Over the last year, there has been one category of claim in our agency that has increased in frequency more than any other category.  In almost all cases, it was not covered.   And yet, almost every employer has this exposure.  That is in the area of Employment Practices Liability. What are “Employment Practices”?  Employment Practices […]

with thanks to Selective Insurance and Westfield insurance… According to statistics compiled by the Wall Street Journal from the U.S. Secret Service, 61% of internet hacking schemes in 2010 were performed on small businesses. Today, cyber attacks aren’t just targeted to large corporations – any organization that transacts business electronically is at risk. We have […]

This weekend poses a major threat to the Delaware and Lehigh Valleys.  Please take a moment to prepare yourself so that damage is minimized to your home, auto, and business. First, please take all weather warnings seriously.  We have seen many unfortunate situations caused by people who believe they know better.  Stay inside and keep […]

In 1972 the Federal Unemployment Tax Act was amended, giving 501(c)3 non-profit organizations the ability to opt out of State Unemployment Tax programs and instead reimburse State Unemployment programs for their actual paid unemployment benefits. The Nonprofit Trust is a member owned Unemployment Insurance Administrator serving 501(c)3 non-profits. Joining The Nonprofit Trust and electing to […]