Posts by A Yaniz

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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Lone Workers – a rising demographic with unique risks.

Posted by on Dec 10, 2018 in Business Insurance, Franchise Insurance, Property Insurance | Comments Off on Lone Workers – a rising demographic with unique risks.

What is a Lone Worker? Lone workers are classified as any person whose work is completed in isolation from other workers. They do not have direct supervision and are expected to fulfill their duties efficiently while adapting to any unforeseen circumstances and are generally expected to use their best judgement. With the increase in technology and automation the number of lone workers is rapidly increasing.  There are many industries in which employees may find themselves working alone, either on location, out in the field, or at home. This leaves great potential for safety concerns. How can...

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Winter Weather Liabilities

Posted by on Nov 26, 2018 in Business Insurance, Personal Insurance, Property Insurance | Comments Off on Winter Weather Liabilities

Winter is more than cold weather, snow and hot cider – it’s also winter storms and ice, which means potential hazards and costly liabilities. If you deal with either commercial or residential property it is important to know what side effects of winter you are responsible for. Who’s responsible? Legally, snow and ice are the same as any other hazard present on a property, and the property manager can ultimately be help liable for any injury caused by such hazards.  It is important to be vigilant when it comes to removing ice and snow promptly. Residential rentals such as single-family homes...

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Open Enrollment – Quick Tips

Posted by on Nov 9, 2018 in Personal Insurance | Comments Off on Open Enrollment – Quick Tips

The Open Enrollment for 2019 Marketplace plans began November 1st, 2018 and will close December 15th 2018.  All plans purchased during this time will go into effect on January 1st, 2019. Many people find the process of enrolling on the Marketplace to be both intimidating and frustrating.  Here are some tips to make the process go as smoothly as possible. Open Enrollment – Quick Tips 1. Find out if you are eligible. A complete list of criteria can be found at https://www.healthcare.gov/quick-guide/eligibility/ 2. Gather up all your documentation before you begin your application. This...

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