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Plumbing contractors provide much-needed services for both residential and commercial customers alike. However, plumbers have a number of unique risks to consider. In fact, any incident involving installing and repairing pipes or fixtures can lead to major property damage, as well as potential legal action.

These challenges are magnified when you consider that risks related to equipment breakdowns, business interruptions and crime must also be addressed. The list below provides an...

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The Importance of Being Prepared

Close your eyes and picture this scenario: You are driving late at night on a country road and your vehicle becomes hard to control. If your vehicle is equipped with a roadside emergency supply kit, you will have all that you need at your fingertips to get back on your journey in no time!

Include the following items in your roadside emergency supply kit:

  • 12-foot jumper cables
  • Four 15-minute road flares
  • Two quarts...
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With 2020 around the corner, we’re excited to continue pushing the envelope when it comes to fresh thinking, innovation and relevant content to help drive your employee benefits strategy forward.

Before diving into the new year, let’s take a second to revisit your favorite Fresh Thinking blog posts of the year.

  1. HSA Requirements for Adult Dependents

Kim...

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Did You Know?

Many people visit the doctor even when they do not need a doctor’s expertise to diagnose and treat their symptoms. The next time you or someone in your family has a cold or experience flu-like symptoms (such as a sore throat, runny nose, cough, dizziness, fever or muscle aches), it may be wise to try some home remedies before making that expensive visit to the doctor.

Before you go to the doctor, try these home remedies:

  • Take aspirin, acetaminophen...
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Owning and operating a retail store can be a fulfilling experience. Years of hard work, risk-taking and financial investments have allowed you to turn your dreams of opening a store of your own into a reality. However, many business owners don’t realize how many exposures they must address to keep their business operating smoothly.

Depending on the specific type of store you manage, there are a number of exposures to consider, including risks related to property and merchandise damage...

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Depending on the terms of your home insurance policy, some weather-related damages may not be covered. To ensure you have sufficient coverage, you must first understand what weather claims are typically covered under a standard home insurance policy.

Perils typically covered under your insurance policy include:

  • Lightning strikes—Lightning may result in severe smoke or fire damage, or cause power surges that can damage appliances or electronics in your home...
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Exercising in cold temperatures can be challenging—but not impossible. Stay active this winter by using these safety tips for exercising outdoors in the colder months ahead.

  • Wear appropriate clothing. Dress in layers and wear hats, gloves and extra socks to help contain your body heat.
  • Protect your skin. Apply lotion to your body to keep it from drying out, and wear sunscreen to prevent skin damage from UV rays.
  • Know the...
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Most homes and businesses are outfitted with heating, ventilation and air conditioning (HVAC) systems—systems that require the care of specialized technicians for service. As an HVAC contractor, you are tasked with managing a variety of risks every time you perform maintenance or an installation on behalf of your clients.

Just one incident involving the use of electrical equipment, worker injury or property damage can lead to costs for your business. What’s more, exposures related to...

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Home insurance is important to help you financially recover from a disaster. Unfortunately, the more claims you file, the more expensive your insurance rates will be. Although all claims will likely raise your home insurance rates, these five will have the greatest impact on your home insurance premium.

  • Fire claims occur when your home becomes damaged or destroyed by a fire.
  • Liability claims are filed if a person is injured or their...
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The holidays bring to mind thoughts of family, friends, fun and food. However, each year, millions of Americans struggle to maintain their waistlines during the holidays while surrounded by tempting holiday treats.

With so many social gatherings during this time, it can be difficult to avoid treating yourself when you’re offered good food and drinks. Whether you’re dieting or just trying to maintain your healthy lifestyle, fear not—you can survive the holidays and wake up on Jan. 1...

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