Today we’re sharing insight from guest blogger Karen Moscato. We hope you enjoy Karen’s wisdom and perspective.

2015 was the year of the consultant. I offer that reflection because so many of my professional colleagues left their corporate positions in search of owning their own business. They felt they had wisdom to share to improve the health of the corporate business they just left.

You’ve likely said the phrase, “I’ll get around to that later,” many times. But when it comes to your personal insurance and risk management, do you actually get back around to it? 

Today we’re sharing insight from guest blogger, KSM Consulting, a business and technology consulting firm. We hope you enjoy their insight and wisdom on managing cyber risks.

“Forever is composed of nows.” - Emily Dickinson

Ernest Hemingway’s famous novel, For Whom The Bell Tolls, is built around a few days in the life of an American volunteer, Robert Jordan, fighting in the Spanish Civil War in 1937. He was tasked with a dangerous mission he knew he likely wouldn’t survive. Jordan was the consummate soldier, never worrying too much about his own safety. However, as he lay dying and the fait accompli of his work comes into focus, he ponders a bigger theme:

The new year has arrived and with it our good intentions. We resolve to lose weight, quit smoking, get organized, go to the gym, you know the drill. Unfortunately, by the time February rolls around, the resolutions are a distant memory and feelings of failure begin to set in. Sound familiar?

Being #DisasterReady is not limited to businesses. Individuals and families also need to plan ahead in order to be prepared when disaster strikes. How will you get everyone out of the house safely? How will you access important family records? How will you get back up on your feet and able to return to work?

Another year of blogging comes to an end. I owe a big thanks to the guest bloggers who shared their wisdom and perspective with our readers throughout 2015.

Here are the most popular #WhatsTheRisk blogs of 2015:

"Host employers need to treat temporary workers as they treat existing employees. Temporary staffing agencies and host employers share control over the employee, and are therefore jointly responsible for temp employee's safety and health. It is essential that both employers comply with all relevant OSHA requirements."
- David Michaels, Ph.D., MPH, Assistant Secretary of Labor for Occupational Safety and Health

From all of us at Gibson, we wish you the safest of holidays and prosperity in the new year!

You would be hard pressed to miss the sound of ringing bells this time of year. Church bells, sleigh bells, and of course Salvation Army bells all proclaim the joy and happiness of the Season. It makes me wonder – do we all hear the same bell?