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Amity Insurance Newsletter – December 5, 2011

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Featured Articles

 

Protecting a Home from Mold
It's important to have a plan and routine in order to protect a home from mold. This involves constantly looking for watermarks on ceilings or walls, signs of mold growth and musty smells. If mold is caught early enough, it can be removed with a simple cleaning solution of bleach and water. However, preventing mold from growing again requires that the source of moisture be eliminated. The area where the mold started growing must also be dried properly. In some cases, the surface or area may simply need to be replaced. After cleaning the mold and attacking the source, be sure to place all rags, clothing, materials, paper and other debris affected in a plastic bag to be thrown in the garbage ...More>>

Artisan Contractors Insurance
Plumbers, electricians, carpenters, tree surgeons and roofers who perform skilled work on a customer's premises are just a few examples of artisan contractors. These workers are also called casual contractors. Piano tuners, interior decorators, exterminators and other skilled service providers are also considered artisan contractors. These contractors require special insurance for their tools and equipment, which are commonly moved from one site to another until each job is finished. The most affordable and efficient way for an artisan contractor to get liability and property coverage is to obtain a Business Owners Policy that is tailored to fit individual needs. While they may be marketed under varying names, such policies usually have similar terms ...More>>

Cyber Liability Insurance: A Smart Investment That Might Save Your Business
On April 20, 2011, someone hacked the Sony Playstation Network. They found an opening in the online video gaming network's password-reset system and penetrated the security protecting its customer database. Days later, the company admitted that the hackers had obtained personal information on 70 million or more subscribers. The hackers got names, physical and email addresses, birthdates, and other identifying information, and it's possible that they got credit card numbers. Sony took the network offline to reinforce it, but within days of it coming back online, hackers broke in again ...More>>

2012 HSA & FSA Changes To Know About
Health savings accounts and flexible spending accounts are growing in popularity. Many people aren't aware of the changes that take place in these plans from year to year. It's important to discuss account details with an agent each year to be fully aware of the current rules or upcoming changes ...More>>