Because driving in winter conditions is fraught with hazards such as icy roads, poor visibility, and the threat of snowstorms, consider the following questions before getting behind the wheel and putting safety at risk. Is this trip absolutely necessary? If you can wait out a storm or until roads are cleared, don’t take the risk.…
Read MoreAuthor: Fabio Silva
Insuring Against College Calamities
If you’re the parent of dependent college students living away from home, you may not be aware that your homeowner’s policy will cover their personal property and personal liability. Personal property coverage Although limits and coverage vary by state, as long as your children’s permanent residence is your home, their personal property is automatically covered…
Read MoreDon’t Be a Victim of the “Fiduciary” Label
The AIA Trust risk report on the crucial legal & professional considerations for architects regarding fiduciary duty offers no surprise about lawsuits founded upon professional malpractice or the breach of a professional services agreement against design professionals. However, concerns may arise when a design professional is also sued for the breach of a fiduciary duty.…
Read MorePreventing Road Rage
How can you manage anger or defuse a scary encounter on the road? An expert, Dave Melton, Transportation Safety Specialist at the Liberty Mutual Research Institute for Safety, says “Every day, thousands of drivers experience some form of road rage or aggressive driving.” Melton offers steps for avoiding a road rage situation—or getting away from…
Read MoreThe Advantages of Securing Your Family’s Future
How do you ensure your family maintains their standard of living if they have to live without you and without your income? When there isn’t enough life protection, surviving loved ones often face very difficult circumstances, having to take out loans, move to smaller, less expensive housing, work additional jobs or longer hours, or forego…
Read MoreKeep Your Own House In Order
Scrambling at work for clients and bringing in new business may lessen focus on one’s own home front. It’s important to focus on fall home maintenance to tackle any trouble spots before winter arrives. Now is the time to start outside jobs before it turns cold and rainy (or snowy). Some tasks may require scheduling…
Read MoreEmployee Benefits Life & Health
Protect Your Income: Disability Insurance
Disabilities happen every day. According to the Disability Status Report published in 2010 by Cornell University, 40.4% of Americans between the age of 21 and 64 with a disability are unemployed. While these are not things we like to hear and talk about, these are numbers we cannot and should not ignore. Many people believe…
Read MoreWhen Your Wallet Goes AWOL
When your wallet is lost or stolen, it’s tough not to fear the worst—credit card fraud and identity theft. But you can hold the panic at bay by acting quickly and taking a few preventative measures that help protect your credit and reduce your liability. Before Your Wallet Goes A.W.O.L. Because identity theft is on…
Read MoreBusiness Coverage Professional Liability
What You Need to Know—About the Changing Standard of Care
The AIA Trust white paper about the evolving standard of care is a topic of vital interest to AIA Members. The standard of care is the prevailing benchmark of professional practice in architecture and design and the threshold of protection under professional liability insurance. The design professional’s standard of care is generally based on the…
Read MoreWinter’s Last Blast
You may be dreaming of spring, but don’t forget the cold, hard facts: Old Man Winter still has plenty of time to deliver a deadly blizzard or ice storm. It’s important to protect yourself during late-season snowstorms—so follow these tips if you lose power in your home or are stranded in your car. At Home…
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