Read more about the article More Employers Expand Mental Health Benefits

More Employers Expand Mental Health Benefits

American workers are more stressed than ever, and an increasing number of people are also struggling with mental health issues. Sadly, the number of people dying from drugs, alcohol and suicide hit record levels in 2019. When someone is battling addiction or has mental health issues, it affects all aspects of their life, including work. Stress can have a significant adverse impact on business. It costs employers an average of $300 billion a year in stress-related health care and missed work, according to a Harris Poll conducted for Purchasing Power. That's why more employers are stepping up to provide their…

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Read more about the article Tidying Up Your Home Can Reduce Claims, Homeowner’s Premiums

Tidying Up Your Home Can Reduce Claims, Homeowner’s Premiums

The latest trend in home care is tidiness thanks to the hit Netflix show "Tidying Up," with host Marie Kondo. By taking her advice on decluttering you will have a tidier looking home, but it can also mean a safer home, keeping your entry points accessible, helping you identify hazards or problems that need fixing ― and even get you a reduction on your insurance premiums. You can also take the time to do some other home maintenance that can reduce damage from an emergency, such as: Ensuring your alarm systems are all working.Fixing poorly lit walkways or walkways that…

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Read more about the article Commercial Crime Policies Cover Some Cyber Crimes

Commercial Crime Policies Cover Some Cyber Crimes

In some instances, a commercial crime insurance policy may offer coverage for money a company loses due to a cyber attack, a court has ruled. The 11th U.S. Circuit Court of Appeals in Atlanta has ruled that an insurer must indemnify a policyholder that was scammed out of more than $1.7 million in a phishing incident under its commercial crime policy. The decision is good news for companies who have not purchased cyber insurance but have commercial crime policies. This is at least the third precedent-setting case in which a court has ruled that a commercial crime policy can cover…

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Read more about the article Homeowner’s Liability Goes Beyond Your Home

Homeowner’s Liability Goes Beyond Your Home

One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home. In fact, the coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy. We can show you where that is stated. Here are some examples of what likely would be covered by the personal liability portion of your policy: Sports incidents. For example, you are playing golf and you drive a ball that hits someone in the head. They require immediate medical attention, which causes them to…

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Read more about the article More Firms Being Sued for Discrimination over Medical Marijuana

More Firms Being Sued for Discrimination over Medical Marijuana

More and more companies are being sued for discrimination by job applicants who have legally been prescribed medical marijuana, after they failed pre-employment drug screenings or because of their use of the substance. The issue of medical marijuana is difficult in terms of the employment picture, especially now that 33 states and the District of Columbia have legalized its use. Of those states, 16 provide workplace protections, either through their own law or case law since their medical marijuana laws were enacted. To confuse the issue further, marijuana is still illegal under federal statutes, putting employers in a difficult position…

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Read more about the article Delicious Foods That Fight Diseases, Promote Health

Delicious Foods That Fight Diseases, Promote Health

While you should exercise to take care of your health, what you put into your body can have a great impact on how you feel and your overall general health. And as part of your efforts to stay healthy, you're also trying to stave off diseases, like heart disease, cancer and other issues that unhealthy foods can help usher in. WebMD recommends that you incorporate these foods into your diet for their many health benefits. Berries - These delicious little numbers contain antioxidants that help neutralize "free radicals" (cell-damaging molecules) that can lead to chronic diseases, including cancer and heart…

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Read more about the article Struggling for Survival: Businesses That Went Thin on Insurance

Struggling for Survival: Businesses That Went Thin on Insurance

Imagine several small businesses located around the country. Each is well-established and profitable. Each of them bought business insurance - property, liability, automobile and workers' compensation. They told their agents they wanted the lowest possible price for coverage, and the agents came through. But they didn't also take their agents' recommendations to purchase additional coverage. Unfortunately, they each suffered losses that threatened the very survival of their businesses. This is how they each got into such a fix: The underwater restaurateur The owner of a restaurant on the south shore of Long Island, NY, rejects his agent's offer of flood…

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