Treasure Your Jewelry? Best Get It Appraised

Now that the holidays are behind us, it’s time to appraise. If on any night of Christmas or Hanukkah or Kwanzaa, you gave your true love, say, a flawless three-carat Marquise cut diamond ring, by now you should have arranged to have it officially appraised for insurance purposes. Appraisals, of course, protect you in case… Read more »

The Risks HOAs Face with Social Media

If you run an HOA nowadays, having some sort of social media or community platform for members is becoming commonplace. Unfortunately, so is some of the bad behavior we’ve all seen on social media. Amid the posts about a garage sale here or a lost pet there, we’re increasingly seeing an exchange of hate-filled messages… Read more »

Own a Tesla? Better Get High-Performance Insurance

The hand-wringing over Tesla’s self-driving technology might be mostly misplaced. It’s not the autonomous driving features we should be worried about. It’s the fact that most Tesla owners just aren’t accustomed to driving – and controlling – a car that can go from zero to 60 in under 3 seconds. Even the soon-to-be-available $35,000 base… Read more »

Liability Grinch Can Ruin Your Holiday Cheer

The holiday season is upon us and, for many, that means attending festive holiday parties. It can be a wonderful time of the year. Unfortunately, it also too frequently means some of us will overdo it when it comes to holiday cheer. Colorado’s so-called dram shop law limits the liability for bars and restaurants, but… Read more »

Are Schools Following their Own Anti-Bullying Policies?

While hardly far from mind nowadays, the problem of children bullying children received renewed attention when Melania Trump announced she would join the fight against online bullying and harassment as the nation’s next First Lady. “Our culture has gotten too mean and too rough, especially to children and teenagers,” Mrs. Trump said in her announcement…. Read more »

Overtime Changes Present New Risk for Employers

Depending on how the courts and incoming Trump administration respond, new U.S. overtime rules could mean big changes for employers and their workers. First, as many as 4.2 million Americans – including administrative employees who were previously exempt from overtime –  would be entitled to OT. Put another way, anyone who earned less than $47,476… Read more »

6 Surprising Things Your Homeowner’s Insurance Covers

We all have a fairly clear idea of what our homeowner’s insurance policy covers and what it excludes. For example, everyone knows their policy will repair or rebuild their home if it’s damaged or destroyed by fire, hurricane, hail and lightning. Most homeowners also know their policy won’t cover earthquake or flood damage. Although every… Read more »

Workers’ Comp Claims High? Trying Cutting Workplace Stress

Every job comes with a certain amount of stress. Too much of it, however, could result in more workplace accidents and higher workers’ compensation claims. That’s the central finding of a new study from the Center for Health, Work & Environment at the Colorado School of Public Health. Typically, all sorts of what are known… Read more »