Amity Insurance Newsletter — October 19, 2015

Protect Your Business from Employee Theft
A credit union in Amarillo, Texas had a problem with employee theft. The employee who pled guilty was not a teller who pocketed a few hundred dollar bills here and there. She was the 56 year-old assistant vice-president of teller operations who embezzled $826,000 over a 14-year period. Her action could land her a 30-year prison sentence and a $1 million fine...Read More>>

How to Stay Safer on the Road this Winter
Thousands of people are injured or killed every winter because of overconfidence or unpreparedness while driving in dangerous conditions. It is important for everyone to keep safety tips in mind while driving in wintry conditions. The first step is making sure a vehicle is equipped. To do this, use the following tips...More>>

Be Prepared: 2015 Farmers' Almanac Winter Forecast
In a recent report, the Farmers' Almanac predicted that the winter months of late 2015 and early 2016 will mostly be a repeat of the prior year's winter, which was marked with extremely cold temperatures across the eastern parts of the Great Lakes and through most of the Atlantic Seaboard. Kentucky, Ohio, the Tennessee Valley, most of the Mississippi Valley, most of the Gulf Coast and the lower peninsula of Michigan are also expected to see unseasonably cold temperatures this winter. The Farmers' Almanac told New Englanders to expect frigid temperatures that would remind them of last year...More>>

Condo and Townhome Owners are not Covered by their Homeowners Association
If you live in a Condo, your Homeowners Association (HOA) almost always just covers the HOA property-not your own property or liability. The HOA property is basically just the building. Anything inside your unit is probably not covered by your HOA. The HOA has liability if the entity was sued; however, this does not cover you personally. In most cases, this is also applicable to townhome owners, but in some cases, the HOA requires each townhome to get their own separate exterior building coverage. Let's review exactly what a separate Condo owner policy covers and why every homeowner in an HOA needs their own coverage...More>>