Internet Crossing GuardSocial Media Check: How to Become your Family’s “Internet Crossing Guard”

Author: Kimberly Lucarelli | Date:October 12th, 2018 | Category: Blog, Personal Risk

People of all generations are embracing social media: we want to interact with others, to know what they are doing and talking about. Today, dozens of social platforms and messenger applications promise us the ability to do this instantly. Research shows that people today spend up to two hours each day on social media sites, […]

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Water Damage WPWater Damage: Exposures To Your Home and The Insurance That Can Protect You

Author: Sarah Limeer | Date:October 3rd, 2018 | Category: Blog, Personal Risk

Water can be complex, especially when viewed from an insurance lens. This may be why so many questions are raised when evaluating a claim for damage caused by water. Is there coverage? What is the deductible? Should I have purchased special coverage or higher limits? We hope the following examples will help to answer these […]

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FloodApril Showers Bring May Floods

Author: Kimberly Lucarelli | Date:May 24th, 2018 | Category: Blog, Personal Risk

You do not need to live in a flood zone to experience a flood. The following article from our partners at Assurex Global, “April Showers Brings May Floods,” indicates that nearly 25% of flood insurance claims come from areas mapped outside high-risk ‘flood zone’ areas. Further, according to U.S. Spring Outlook posted by National Oceanic and […]

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Uninsured and Underinsured Motorists LiabilityFive Reasons Why You Need Uninsured and Underinsured Motorists Liability

Author: Dan Gordyan | Date:April 17th, 2018 | Category: Blog, Personal Risk

Don’t get caught driving without it. Uninsured motorists and underinsured motorists coverage, commonly referred to as “UM/UIM” coverage, provides you with bodily injury protection in an auto accident which is caused by another party who has low, or no limits of liability. If you are involved in an accident where you sustain bodily injury, and […]

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Personal Risk ManagementThe Real Hidden Costs to Owning a Vacation Home Rental

Author: oswaldcompanies | Date:December 4th, 2017 | Category: Blog, Personal Risk

Renting a vacation home has become a hot trend in recent years. According to, “37% of vacation home buyers plan to use their property to generate income.” Websites such as HomeAway and Airbnb have made it easy for homeowners to make a profit when their homes would otherwise be vacant. Talk to your advisor […]

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Should parents be seeing ‘red’ over the new “Yellow” app?

Author: Kimberly Lucarelli | Date:September 5th, 2017 | Category: Blog, Business Risk, Personal Risk

Through my “Socially Smart” campaign, I’m continuing my efforts to bring awareness to the community about the dangers that lie within social media, and the potential negative impact to children. Over the past two years, I must confess that I have found this challenge daunting. Just when I research new apps and concerns, more troubling social media platforms are being introduced faster […]

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Professional Athletes as Brand Ambassadors | Personal Risk

Author: Rachele Spencer | Date:May 10th, 2017 | Category: Blog, Personal Risk

Professional Athletes and Coaches are often furnished vehicles from luxury automobile manufacturers, or high end auto dealerships, with the intent of promoting a specific brand. While not expected to make monthly lease payments, the arrangement may come with a non-monetary consideration for the vehicle loan, inclusive of signed merchandise and memorabilia; appearances or commercials; and […]

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Your Guide to Insuring Jewelry

Author: Kimberly Lucarelli | Date:May 4th, 2017 | Category: Blog, Personal Risk, Property & Casualty

Were you aware that according to The U.S. Jewelry State of the Market Report (Edahn Golan Diamond Research & Data, 2015), high-net worth clients spend four times as much on jewelry as the national average, and last year, sales grew significantly (over previous years)? Your client’s financial investments in precious gems and metals may be […]

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Parents: Have THIS Talk Before ‘The’ Talk | Internet Safety for Children

Author: Kimberly Lucarelli | Date:March 31st, 2017 | Category: Blog, Business Risk, Personal Risk

To promote health, safety and family values, all parents understand it is important to have ‘THE’ talk with their children. Prior to discussing the “birds and bees”, parents should have a much earlier ongoing discussion to ensure their children understand and practice safe-internet conduct. Perhaps because today’s parents have no personal experiences as children, themselves, with the many […]

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Protect the Net: Evaluation of Disability Insurance for Athletes, Part 2

Author: Ron Boynar | Date:February 9th, 2017 | Category: Blog, Personal Risk

In Part 1 of this article we discussed the importance of Permanent Total Disability (PTD) and what to look for when acquiring it. For this part let’s turn our focus to Loss-of-Value (LOV) insurance. Remember that PTD covers an athlete in the event of a career-ending injury. LOV, on the other hand, provides a benefit for […]

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