Protecting Your Real Estate Client in the New Year

As a real estate professional, your clients look to you for advice and recommendations on all aspects of the real estate transaction when buying a home. This includes questions regarding home insurance. After entering into a contract to buy a home and before the option period ends, your clients should contact an insurance agent to determine the availability and cost of insurance for the new home.


Taking Action to Prevent Weather Damage

From winter’s blizzards to summer’s thunderstorms, the weather can wreak havoc on your home. Some of the most common weather damage claims involve missing shingles, toppled trees, and water damage from rain or melting snow. Not every weather damage claim will be covered under the standard homeowner’s insurance policy, however, so it’s important to know the difference.


Understanding the 2012 W-2 and 1099 Form Changes

Every year brings with it new changes related to W-2 and 1099 forms and reporting requirements. Due to the government’s increasing focus on the proverbial tax gap, it’s more important than ever for small businesses to understand the changing W-2 and 1099 reporting environment.

Here are some of the key changes that will affect small business this year.


23 Million Homes at Risk

When a home fire occurs, you have to act fast. If your family doesn’t have an escape plan, this could lead to chaos and panic. Make sure to come up with a plan, and be sure it includes a working smoke alarm—more than 20 percent of American homes are without them. This means roughly 23 million homes are at risk because of non-working smoke alarms and an additional 5 million homes are at risk by not having smoke alarms.


Worker Injury and the Toll it takes on Your Business

When it comes to business productivity and the bottom line, employers understand all too well the toll that worker injury can take on their business.  By implementing effective workplace safety programs, you can mitigate that risk and expense.  You can decrease your workers compensation risk and expense at the same time by implementing such programs while also avoiding absence due to work-related injuries and illness. 


Taxmageddon – The Clock is Ticking

When the clock strikes midnight on December 31, 2012, many Americans will celebrate the arrival of a new year with streamers, confetti and a round of “Auld Lang Syne.” But when they wake up the next morning, January 1, 2013, they may not be as excited to learn that their federal taxes have increased.

As things stand now,


Construction Industry has the Highest Rate of Injuries

Construction has ranked over the year among industries that have the highest rates of fatal and nonfatal occupational injuries.

Roads, houses, workplaces and physical infrastructures are built and maintained by millions of construction workers. Inherently hazardous, this work includes tasks and conditions that put the worker at risk: height, excavations, noise, dust, power tools and equipment,


The Highest Level of Risk for Contractors

As a contractor, you must understand how to sufficiently protect your business. With the industry’s fiscal downturn and an increase in claims of insolvency, there has been a recent rise in subcontractor default. This presents the highest level of risk for contractors. One way to stay clear of this monetary sinkhole is SDI – Subcontractor Default insurance.


Why Run an Annual MVR on Your Employees?

When a company employs delivery drivers and long-haul truckers, they should always run annual background checks to make sure their drivers have good driving records and are properly licensed.


The same goes for companies with employees that operate motor vehicles for business purposes.


If your drivers are involved in an accident and they are not properly licensed or had prior negative driving records,


When Lightening Strikes

When homeowners think of home security measures, it’s doubtful their minds wander to losses due to lightning. But perhaps they should. Statistically, lightning is the most commonly experienced weather hazard, unlike earthquakes, wildfires, tornadoes or hurricanes, which are more likely to affect homeowners in certain geographical regions of the country. And similar to other home security measures that reduce expected losses for insurers,