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The more you have acquired, the higher your risk for litigious encounters. Your financial security could become severely compromised due to accidental events you may have thought were adequately covered. Excess liability insurance responds when the underlying liability limits of your various other policies have been exhausted. It is a critical, but...

Home invasion. Carjacking. Stalking threats. Road rage. And now, cyberbullying. These unthinkable crimes can happen every day and almost anywhere in the world. In the unfortunate event that these crimes can happen to you or a family member, there can be peace of mind from having a family protection coverage to help deal with the long and painful af...

One of the best ways to help ensure the safety of your family and friends while aboard your boat is to identify common maintenance items before they become a problem. And if your boat is hauled out for winter storage, there are important recommendations to follow to help ensure that your boat will be ready for safe and reliable cruising again next ...

If your boat is hauled out for winter storage, here are some suggestions on what to do before, during, and after the haulout. Each recommended step will help you ensure that your vessel will be ready for safe and reliable cruising again next year.

In an illustrative, legal analysis on the ownership treatment of bitcoin under the U.S. State property law, the focus turns to California law for guidance on whether bitcoin ownership should be recognized as a property right. Although there are possible challenges to treating bitcoin as property, they do not undercut the legitimacy of such rights o...

The dynamic of having an exciting company with immediate needs juxtaposed against the uncertainty of the company’s growth or other changes in the coming years requires a thoughtful and practical approach when it comes to negotiating lease terms. The issues to consider for these types of leases are not just an “us versus them” or a...

While not every breach involves a type of personal information that requires notification or disclosure, every breach requires attention and an individualized response tailored to the facts and nature of the breach, and an evaluation of how processes can be improved to minimize the risk of future breaches. The most recent Security Breach Notificati...

Fund groups face disruptive developments, as advances in financial technology, often called fintech, continue at an ever more rapid pace. Even as new efficiencies and opportunities blossom, regulators have pushed financial firms to recognize the dangers of technological failures. To prepare for the changes ushered in by fintech, it is important for...

We have all been the new person at some point or another—the new person on the block, the freshman at the big university, a manager in a new office. In such hard-to-navigate situations, training and communications are integral parts of the on-boarding process. When both employee and employer are informed about one another’s needs, personalities, an...

A chimney fire can be a significant event, in both monetary damages and trauma. The risk is heightened by the fact that chimney fires often begin out of sight, meaning they may not be noticed in time to prevent the flames from spreading to the home or causing serious structural damage. Luckily, a few simple measures can help reduce the damage from ...

Whether your collection of paintings are decorative pieces or appreciative investments (or both), they can hold a tremendous amount of meaning and value. As to the decision regarding how and where to display your fine works of art, it’s important to identify and consider the many factors that could lead to a loss. All paintings—including oils, acry...

Water damage has consistently ranked as the costliest cause of loss year over year. The largest of these losses have all occurred while no one was home. Whether you’re planning to be away for a short vacation or leaving for the season, there are nine steps you can take to help reduce the chances that you will suffer a water loss.

Extreme winter weather has been a major issue throughout much of the U.S. in recent years and can result in high insurance claims accounting for millions in losses—the majority of which were due to ice dams and frozen pipes. An analysis of the winter-weather loss claims yielded four common factors and valuable insights that can help you be more pro...

Statistics show that teenagers are more likely than any other age group to be in an automobile accident. In several tragic incidents, the use of a cell phone was involved. Some accidents, however, simply reflected the teenagers’ lack of driving experience. As a parent, you can help your teenager become a safe and skilled driver by setting a good ex...

Cyber threat is as old as the internet itself. While some attacks are politically motivated, the majority are carried out for financial gain. The potential profit to be made with someone’s personal information, particularly if the individual is of high net worth, is great—in fact, it’s a more lucrative industry than the illegal dr...