 As the Coronavirus continues to spread, businesses are increasingly concerned about whether their insurance programs will cover Coronavirus-related losses.
Do I have Business Interruption coverage for this? Business Interruption insurance, which offers protection against income losses sustained from disruptions to business, is typically purchased as part of a commercial property insurance policy. In order for the Business Interruption (Business Income) policy to trigger coverage, there has to be a “covered cause of loss.”  Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months. Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways where elevation is higher, and bridges and overpasses. Adjusting your driving behavior for these conditions can help keep you, and others around you, safe on the road this winter.
 For many, the New Year is an opportunity for a new beginning and a chance to excel and challenge themselves. While you celebrate these new possibilities, make sure you’re staying safe while bringing in the New Year. The combination of busy roads, alcohol consumption and fireworks make this festive time one of the most dangerous holidays of the year. Between 2007 and 2011, an estimated 42% of traffic fatalities were due to drinking and driving during the New Year's period. By following these simple New Year’s safety tips, you can avoid becoming a statistic and have a fantastic time bringing in the New Year!
 Snow has arrived for many parts of the country, and that means it's time to brush up on tips for safe winter driving, especially in snow.
The roads can get slick and visibility can dwindle, so always take it easy, drive calmly and stay safe. Whether you've driven in snow often, a short while, or never, it's always a good idea to brush up on the basics to help you stay safe during this time of year.  With all the fun fall activities, you may be tempted to put off your home maintenance chores. But winter will be here before you know it, so take some time to tackle any needed maintenance before the weather gets too cold.
This handy checklist will help you take proactive measures to prevent damage from any winter storms that may pass through.  When dealing with the frigid temperatures of winter, there’s not much worse than coming out to your car to find the doors frozen shut. According to Lifehacker, car doors can freeze because water from rain or snow gets into the rubber seal, or gasket, around the door and then freezes when the temperatures drop. Fortunately, using nothing but ordinary household cooking spray, there may be a simple trick to get out of that situation.
Apply the spray to the door’s rubber seal weekly during the coldest winter months, or as needed before expected icy, frigid storms.  As we gather around our tables this holiday season, America’s farmers and ranchers have good reason to be thankful and to hope. Thanksgiving began on the farm, and I can’t think of a more fitting place for the roots of hope and gratitude to take hold. Yes, we have faced—and continue to face—hard times, but we don’t reserve gratitude only for the easy times.
 Fraud takes many shapes and forms, among them corporate fraud, consumer fraud, tax fraud, identity theft, and many others. According to ACFE (Association of Certified Fraud Examiners), organizations worldwide lose an estimated 5 percent of their annual revenues to fraud, costing the world $3.7 trillion each year.
International Fraud Awareness Week is a global movement to minimize the impact of fraud through awareness and education.  Happy National Co-op Month! Cooperatives bring a variety of resources and services to consumers. From agriculture, utilities, finance and more, these organizations play an important role across the United States. Not only do they expand options to consumers, but they bring increase economic resources for rural communities too.
It's no secret that many companies rely heavily on consumer-generated data to inform many activities, from product development and strategic planning to targeted marketing campaigns. When the information is used effectively, however, it is the consumer who may ultimately benefit, as it can enable companies to enhance the customer experience and provide innovative products and services. But how willing are consumers to provide their information, and what concerns do they have about sharing and protecting it?  |
