Posts by A Yaniz

Ask an Expert – Liquor Liability Insurance

Posted by on Mar 1, 2019 in Business Insurance | Comments Off on Ask an Expert – Liquor Liability Insurance

Liquor Liability Insurance offers coverage against claims of property damage and injuries that are the result of the consumption of alcohol.  Commonly this coverage is closely associated with taverns, bars, nightclubs, and restaurants that serve alcohol. However, liquor Liability Insurance is not as straight forward as you might think. So, we asked the experts. Question: What industries should have liquor liability insurance other than bars, taverns, etc.? Answer 1: Caterers, hotels, casinos, trade shows that sample liquor, public party facilities that rent their empty lobbies for catered...

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Less Stress is the Best Valentine.

Posted by on Feb 14, 2019 in Business Insurance, Personal Insurance | Comments Off on Less Stress is the Best Valentine.

It is no secret that stress is hard on the heart.  It can lead to high blood pressure which, if left untreated, can result in heart disease. According to the American Heart Association, cardiovascular disease has become wide spread – effecting more than 1 in 3 women and is the leading cause of hospitalization among men.  The majority of Americans list their jobs as their biggest source of stress, pointing to heavy workloads, pressure to preform, long work hours, office politics and conflicts with coworkers as the largest contributors to their stress. To manage your workplace stress, it is...

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Frozen Pipes

Posted by on Jan 29, 2019 in Uncategorized | Comments Off on Frozen Pipes

Frozen pipes can bust, causing damage to your home or business, wrecking electronics, furniture and more. A busted pipe can be a very expensive and messy experience. How to Spot a Frozen Pipe As temperatures continue to drop across the nation many areas will find themselves in sub-freezing weather. At such lows, water in the pipes can freeze, causing pressure to build up as the ice expands and stopping water from flowing as normal. As such the first sign that your pipes may be freezing is a reduction in water flow in faucets and other water fixtures. Prevent Frozen Pipes Pipes exposed to the...

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Distracted Driving – You probably do it more than you think.

Posted by on Jan 17, 2019 in Auto Insurance | Comments Off on Distracted Driving – You probably do it more than you think.

When we talk about distracted driving, we often think cellphones – texting, social medias, music… We all have that guilty memory of checking a text or trying to change what playlist is on.  We know these things are dangerous to do while driving, and we do them anyway, we think that because we know we are distracted we can be extra alert to compensate.  It’s simply not true. Distracted Driving is a serious problem. According to the National Safety Council (NSC), approximately 25% of all automobile crashes are related to cell phone use.  However, cell phone use is not the only form of...

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Can you be held personally responsible for a Data Breach at your company?

Posted by on Dec 20, 2018 in Business Insurance | Comments Off on Can you be held personally responsible for a Data Breach at your company?

If you are a Director or Officer, you could be. As a Director or Officer of your company you are open to litigation risks due to the decisions you make to influence the company.  How you choose to respond after a Data Breach and how you have influenced Cyber Security measures within your company could lead you to be held personally responsible for damages following a breach.  The acts you commit as a board member, including plans and decisions need to be protected. The precedent has been set by past legal cases following data breaches in which the directors and officers have been accused of...

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