Hunting accidents on vacant land can lead to a number of legal liability concerns. Homeowners with vacant land or farmland with exposures to third-party hunters should take a variety of measures to mitigate their exposure. Thus, consider the following recommendations if you own property with this exposure.

One of the most common questions for homeowners’ insurance coverage is the difference between market value and rebuild cost. The two are not directly related.

Insurance companies base your premium on the cost of rebuilding rather than the value of the home. Knowing how to differentiate between the two can make a difference in the amount you receive in the event of a disaster.

The reason for insurance, both business and personal, is to help us protect what matters most. However, simply having insurance is not enough when it comes to making and resolving a claim. Effective claims can save you money, ensure sufficient compensation, and minimize disruption to normal operations.

As the countdown to January 1^st continues, employers must continue to prepare for the changes that must be made to comply with the Health Care Reform.

Over the last 40 years, the digital age has dawned, and profoundly changed the modern society. As a business that is concerned about risk management, staying on top of the emerging risks is a necessity, but the mind boggling speed of technological advancement has made this difficult. With a modern business relying so much on technology, it is then imperative that every effort is made to manage the risks of a digital age.

Health Care Reform continues to be a highly debated topic. A recent New York Times/CBS News poll stated that 47% of their respondents still oppose the law, while just 36 % approve. At this point the biggest issue is the confusing mix of messages that are found in the media, on the internet, discussed at the water coolers, and shared among all Americans.

Regardless of your expertise on the water, proper boating safety should be followed every time you hit the water. Be sure to review these boating safety tips with any passengers on board to ensure everyone’s wellbeing as well as reduce any risk to your insurance policy.

Compare a colonoscopy procedure from one provider to another and you probably won’t find much difference. Compare the costs between several different providers and the differences will surprise you!

According to a June 1, 2013 article in the NY Times, a comparison of colonoscopy charges revealed that the costs varied

Since most homeowners policies provide minimal jewelry coverage if your item is stolen, misplaced, or lost, and some policies even exclude coverage for misplacing or losing an item entirely, it is important to list valuable jewelry items separately on your homeowners policy or in some cases on a separate policy.  The most important reason to have jewelry appraised is to determine an adequate replacement value in the event of a loss. Over the years, the value of jewelry and gemstones have fluctuated greatly.

When we created our GESOP (Gibson Employee Stock Ownership Plan) at the end of 2010, we had several goals in mind: