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The key to health, happiness and longevity is rooted in your daily habits. Set them right and one can accomplish anything, including a long and healthy life. Live longer by adding these simple practices to your daily routine. Exercise Daily The human body was meant to be active. READ MORE >>

Liquor liability is not just a question of having adequate insurance coverage; it is also essential that managers and staff receive proper training in effective methods of preventing liquor liability.  Not only bar and tavern owners, but also restaurant operators, have a responsibility t... READ MORE >>

In her illuminating paper entitled, Lightning: It’s All About the Bolt, the author (known as “The Lightning Diva @ Large” of Lightning Eliminators & Consultants Inc.) reveals just how costly lightning strikes can be for businesses and industries. READ MORE >>

Today it seems so simple:  If you are hurt at work, your employer pays for insurance to cover all your injuries and lost wages.  Just like many things in our country, it didn’t used to be like that. We used to have a Common Law system.  It was really geared to protect the business owners. READ MORE >>

Business owners are always trying to contain costs for their business.  They do the right thing and provide Workers Compensation insurance for their employees because accidents happen.  And what does the insurance company do when the business uses the insurance that they pay for? READ MORE >>

Depending on where you live, your small business may be subject to a variety of natural disasters. These events can come without warning and leave devastation in their wake. On the news, you often see pictures of homes that were destroyed. But after an earthquake, tornado, flood or blizzard, small businesses often have significant damage too. READ MORE >>

It has often been assumed that, with the constant, exponential growth of the world’s population and increasing modernization and industrialization of highly populous countries such as China, demand for oil and petroleum products would continue to rise, along with their price.  READ MORE >>

As we noted in our previous blog, lightning can cause immense damage, and according to reports from Lloyds and the Insurance Information Institute, losses due to lightning damage are increasing (up 15% from 2009 to 2010).  The National Lightning Safety Institute reported in 2009 that damage and losses from lightning exceed $5 billion. READ MORE >>

A lightning storm is one of the most awe-inspiring phenomena in nature, and also one of the most dangerous.  According to data gathered by various meteorological organizations, there are 25 to 40 million cloud-to-ground lightning flashes in the U.S. alone every year, and probably 138 million strikes annually worldwide. READ MORE >>

Hailstorms frequently arrive in concert with thunderstorms, and due to the increase in population and urbanization in many areas of the country, there has been a rapid increase in the number of hailstorms which cause millions of dollars (even hundreds of millions) in damages. READ MORE >>

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