News
Annual Families & Literacy Luncheon
We were proud & honored to join a very special, local, non-profit for their annual luncheon fundraiser recently. Families & Literacy helps benefit Kerr County and the surrounding areas by providing the adult educational programs needed, for families to better…
Data Breach Insurance — What You Need to Know
At one time or another you have likely received an email informing you that you will need to change your password for one of the websites you visit. The trigger for these advisories is often a data breach, a nightmare scenario in which a hacker gains access to…
Dog Bite Prevention
Americans love their dogs. According to the American Pet Products Association, more than 56 million U.S. households included at least one canine companion in 2014. Unfortunately, raising a pooch isn’t always just wagging tails and slobbery kisses. The Centers for…
IBM Survey Busts Millennial Workplace Myths
As a small business owner, you’ve probably spent hours reading about the changing face of America’s workforce as Baby Boomers retire and Generation Y—or the Millennials, born between 1980 and 1993—take their place. Most reports would lead you to believe that managing…
Before Tossing Those Electronic Gadgets Consider This
You’d be surprised to know that simply tossing away electronic gadgets can potentially inflict damage including large financial losses In the age of hard drives and solid-state memory and its humongous capacity to store information, a lot of details about one’s self…
Is Your Employees’ Financial Stress Affecting Your Business?
More and more employees are worrying about their financial situation. This, according to the American Psychological Association, comes at levels that are higher than what is deemed acceptable. Younger people, parents, and those living on an income of less than $50,000…
What to do if Your Tax Refund is Stolen
Imagine this: You’ve collected your W-2, your mortgage and student loan interest statements and your investment earnings documentation. You log into your online tax preparation software and spend the next hour inputting your information. When you hit “submit,” you…
Business Interruption Insurance: The Basics
A windstorm causes major damage to your office roof. A fire destroys a portion of your warehouse. A flood reduces key pieces of your equipment to rubble. These and other disasters can strike your company at any time, preventing you from carrying on with business as…
Pet Insurance Basics
Americans love their pets. According to the American Pet Products Association, pet owners in the U.S. spent more than $58 billion on their cats, dogs, rabbits, horses and other critters in 2014. Of that expenditure, $15.25 billion was for veterinary care and $13.14…
Add More Fun to Your Company Culture
You know that nurturing a positive company culture is good for business. Not only does it help to attract high quality job applicants when you need to fill an open position, it also keeps your current staff engaged in their work. This means fewer absences, greater…
Why You Need More Personal Liability Insurance
According to the Association of Trial Lawyers of America, civil lawsuits, including those involving personal liability claims, cost the U.S. economy $233 billion each year. The average compensation payout for a civil injury suit is $60,000. The average awarded in a…
Policies Every Employee Handbook Should Cover
You wouldn’t expect a builder to create a structure without a blueprint. Nor would you expect your employees to succeed in their jobs without a clear picture of what you expect from them. Taking the time to ensure you’ve established a mutual understanding of…
Are You at Risk for Medical Identity Theft?
When you think about the dangers associated with identity theft, you likely imagine shadowy criminals using your financial information to apply for credit cards or take out loans. While these actions can devastate your credit score—and often take years to…
Lose Fewer New Hires with an Improved Onboarding Process
According to the Society for Human Resource Management (SHRM), 50 percent of our nation’s hourly workers will leave a new job within the first four months. Half of outside hires placed in senior positions fail at their jobs within 18 months. Both statistics describe…
Do You Really Need that Car Rental Insurance?
It’s a question you hear every time you rent a car: “Would you like to purchase insurance for this rental?” If you’re particularly cautious, you may even be tempted to answer in the affirmative, despite the fact that full supplemental coverage is prohibitively…