Regardless of the business you're in, it's an unfortunate truth that running a business creates unique liabilities and, yes, headaches! Every business owner should protect themself in the case of a potential lawsuit. Even if you've done nothing wrong, people may file a lawsuit, and...
In some states (including Connecticut), a party's host can be held liable under a general social host liability law for serving alcohol to minors (or anyone else who's of legal age to drink) in excess. For example, if you're hosting a holiday party and you...
Did you know that flood is excluded not only from homeowners' policies but also from commercial insurance policies? Any flooding caused by fast-melting snow, an overflowing stream, or even construction runoff next to your building would not be covered by your business owner's policy. However,...
Every parent remembers the day they brought their children into the world...
Did you know floods are the most common and most costly natural disasters in the United States? While some regions, such as coastal areas, are more flood-prone than others, the unpredictability of climate change exposes all property to some risk. Torrential rainfall isn’t the only...
Spring is coming and we're all excited to get out there and experience all that Mother Nature is doing this spring! While you're dusting off and preparing your recreational vehicles for the season, remember, your recreational vehicles are not covered by your home and auto policies!...
It’s that time of the year, again! Time to scrub, dust, and organize our home until we feel renewed and prepared for the year to come! It seems that there are two types of people, people who cannot wait to get in and begin spring...
As a group of people who are Guided by Heart, we obviously really love Valentine's Day! We love any reason to share our hearts with our friends, family, and the extra special people in our lives. There are so many great ways to share...
It seems like every year, insurance is becoming more expensive, and businesses are left to find ways to do right by their employees while also being able to keep the lights on. How can you reduce your workers' compensation costs without cutting corners on protecting...
As the roads get slushy, icy and snowy we have to make sure that our car's tires can get us from point A to point B safely. Here in New England, snow certainly isn't anything new to us, but it doesn't make it any less...