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2021 Holiday Shopping Tips

‘Tis the season to shop with many consumers starting early to take advantage of brand sales and to ensure stock is available and packages arrive on time in light of supply-chain issues and projected late deliveries. In fact, 68% of shoppers surveyed by Deloitte said they plan to begin shopping before Thanksgiving. While fun (and…

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A Closer Look… Ghost Kitchens Package

Ghost kitchens, also known as “cloud” or “virtual kitchens,” are cooking facilities chefs and restauranteurs can lease. There are no dining rooms, seats, tables, waiters, hosts/hostesses, cashiers, or patrons. As one publication described them, ghost kitchens are sort of the “We Work” for chefs. In essence, they are physical spaces for operators to create off-premises…

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Tips on Preventing Accidents on Thanksgiving

Susie endures the hour-long drive to her grandparents’ house to share her homemade pumpkin pie… but she’s running late so she starts to speed. College freshmen attempt to cook an entire turkey dinner in their dorm’s communal kitchen… a friend starts chatting in the hall, and they fail to notice the gravy beginning to burn…

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Fall Home Maintenance Checklist

Fall is upon us, and homeowners need to prepare their homes for the dropping temperatures and changing leaves. By weatherproofing and performing preventative home maintenance, homeowners can protect their property from any unwelcome surprises and make their autumn more pleasant. Knowing what needs to be done, however, is not always easy. Share this checklist with…

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September is National Preparedness Month

From a global pandemic to an attempted insurrection, unexpected condos collapses to historic wildfires, the past year and a half have been full of unpredictable disasters, putting in perspective just how unexpected disasters are and how far-reaching their effects can be. This September, as we observe National Preparedness Month, we are reminded of the importance…

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A Closer Look…Restaurants Edition

The restaurant sector, no doubt, has been through a lot in the last 18 months. But recent statistics show that through July 2021 the industry has had steady growth each month since February, with sales volume reaching close to pre-pandemic levels. Although it’s still unclear how the delta variant will impact the industry, we’ve seen…

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What’s the Difference between a Vacant and Unoccupied Building?

Empty properties present more risk to insurers than occupied ones. Without a homeowner, property manager, or tenant present, a property is more vulnerable to theft, vandalism, fire or flood damage, and damage caused by squatters. In everyday life, we use the words “vacant” and “unoccupied” to refer to empty properties, but this is not the…

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Cannabis Industry Putting More Tax Revenue in State Coffers

As the legal use of marijuana continues to grow, the tax revenue generated by the cannabis industry has other states wanting in. In fact, according to the Institute of Taxation and Economic Policy (ITEP), tax revenue for the 10 states where the legal sale of adult-use cannabis exists exceeded $3 billion in 2020.

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An Extra Important Mother’s Day

The past year has been rough for everyone, especially working women. Bureau of Labor statistics show that women have been leaving the workforce in droves, at a rate four times higher than their male peers. Unlike other downturns, the coronavirus-induced recession has led to losses that are not distributed evenly across genders. Women are bearing…

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Helping Clients with a Workers’ Comp Premium Audit

Most insureds are not familiar with the ins and outs of a Workers’ Compensation premium audit. Providing them with guidance on why an audit is performed, what’s involved in an audit, and navigating them through the process will go a long way to eliminate any surprises and unexpected additional charges.

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