Get answers to your most urgent questions about COVID-19 and its impacts to employee benefits, human resources, risk management and other issues. Our page provides articles and webinars on critical topics as well as other resources.
It’s easy to see the advantages of co-owning real property with family or friends. Maybe it would be difficult to swing the mortgage on that cabin by yourself, but adding a couple close friends or relatives could cut the payments. Or, maybe and your siblings inherited the lake house your parents bought years ago. It’s great to be able to share the maintenance costs and time spent in upkeep among siblings. Besides, one family can’t possibly use the lake house enough to justify the expense.
This year, the school supplies list might be more about the right technology and devices than backpacks and pencils, and this focus can unleash a new world of risks. Because kids who are curious and impulsive may be exposed to potential dangers online, now is a good time for parents to review and share some cybersecurity basics.
Due to the COVID-19 outbreak, it is critical that all of us take certain steps to stay healthy and reduce the risk of infection. In addition to using cleaning and rental inspection checklists when preparing your rental for guests, the current situation requires taking extra measures to prevent the virus from spreading. This is where a health and safety checklist comes in handy.
Whether you drive your classic car or use it exclusively for car shows, classic car insurance is necessary. Many classic car owners go without insurance or purchase standard auto insurance because they think classic coverage is too expensive or not needed. Going without the right insurance could actually cost you your investment.
Whether you’re building a new home or renovating an existing one, you should make sure your investment is properly protected throughout the construction or home-improvement process. The type of insurance coverage you’ll need will depend on the scope of the project. A home you’re constructing from the ground up won’t be properly covered by standard homeowners insurance, whereas a simple home-improvement project may only require a few tweaks to your existing policy.
For many affluent individuals, the financial legacy they leave behind is an extremely important issue. Therefore, you want to make sure that nothing jeopardizes what you have worked so hard to achieve. Estate planning is more important now than ever. Because estate planning is about making sure your assets are distributed as you wish both now and after you are gone, you need to consider some important questions before you begin.
For many, the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point everyone probably said something in their teen years in the heat of the moment that they now wish could be taken back, but today’s teens face the added burden that if they convey those statements on social media sites like Facebook and Twitter, their words could be around for a lot longer than just the heat of the moment.
The financial consequences of being sued can be very serious for high-net-worth individuals and families who have more assets at risk. We recommend liability umbrella coverage for typical families with assets over $300,000. Because high-net-worth individuals often face complicated liabilities and have a lot to lose, they should have an in-depth conversation with their agents about what limit would be best for their needs.
The short answer is yes, they could. You would think that wildfires on the coast would have a regional impact, but events like this can have repercussions on the entire insurance market, even here in the Midwest. To recoup income from damages in one part of the country, national insurance companies tend to increase insurance rates in other states. Ongoing losses from the wildfires in California are putting pressure on insurers, and it’s only a matter of time before that cost transfers to the insureds.
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