Viveiros Insurance Newsletter

Safely insure against hurricanes
Homeowners who live in areas affected by hurricanes know that the damage incurred by such storms can be devastating. Reviewing your current insurance coverage on your home and valuables can help you have the proper coverage in place long before a storm hits.

Exploring the leasing option
How does leasing work? Claiming Tax Deductions on Leases

Recreation vehicles and your insurance
As much fun as recreational vehicles are, they come with their own set of motor vehicle insurance issues.

Attn. Boat Owners: Tips for Smooth Sailing
Although most people realize the importance of adequate boating coverage, some mistakenly assume that it is provided by their homeowners insurance.

Factoring auto insurance rates
Points for Safe Driving :: Where You Live :: Your Vehicle

If you rent—cover yourself
Most people who rent may assume their personal losses will be covered by a landlord's insurance should their rental property fall victim to a fire, theft, explosion, or other disaster.

Protect your earning power with disability income insurance
The possibility of sustaining a long-term disability from an accident or illness is something most of us would rather not contemplate.

Notes about homeowners insurance
Although most homeowners are familiar with Part I of their homeowners policy, which covers a dwelling and its contents, they may be surprised to discover the extent to which Part II of a standard policy might protect against bodily injury and property damage a family member may cause others.

The "value" of an appraisal
Is your family heirloom a hidden treasure?

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An Enviromental issue: something in the air?
Indoor air quality (IAQ) is a growing concern for many companies. Whether you are a business owner or building owner, you should take potential IAQ problems seriously.

The Office Party - consider liquor and liability
When planning company functions, business owners may question the appropriateness and circumstances surrounding the presence of alcohol as a part of the festivities.

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Protecting your company against disaster
Recent catastrophic events, ranging from natural disasters to terrorist attacks, have clearly demonstrated that the homes, businesses, and communities Americans have invested in over many years can be wiped out in a matter of hours.

Electronic commerce and communication: a few insurance tips
Business opportunities in the virtual world of electronic commerce continue to grow, but this technology comes with exposure to risks and possible losses.

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Commercial Lines Newsletter Archive

Vol. 14 No.4
Highlights Include:

Making your business more energy efficient
Low energy prices over much of the last two decades have permitted U.S. companies to put improving energy efficiency near the bottom of their lists of business priorities.

Employee fraud: costly problem, low cost solution
Small to mid-sized businesses are often vulnerable to employee fraud because they tend to place more trust in employees who have access to company assets, and they generally have fewer financial and security controls in place.

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Vol. 13 No.6
Highlights Include:

Minimize your computer concerns
Suppose you open your doors for business one morning only to discover that water damage from heavy rains the night before shorted out your computer equipment, leaving your automated systems inoperative.

A successful cafeteria plan provides "just desserts"
In the past, employee benefits were part of a fixed "menu" with no choice and no flexibility.

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Vol. 13 No.5
Highlights Include:

On the road again...avoid business risks
When an employee drives on business, your company is technically behind the wheel. Your business could be held responsible for any accident that may occur during the trip.

Protect your business from cybercrime
Hackers, disgruntled employees, computer viruses, and fraud all wreak havoc that could run as high as several hundred billion dollars annually.

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Vol. 13 No. 4
Highlights Include:

Elements of an EPLI policy
In today's litigious society, businesses are susceptible to a host of employment-related lawsuits, including claims of discrimination, sexual harassment, and wrongful termination.

Ergonomics—cut costs, increase productivity
As a business owner, did you know you can take the lead in cutting costs by establishing an ergonomics program?

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Insuring your business—are you prepared for the unexpected?
There are two risk exposures that few business owners can afford to overlook: property loss and liability loss.

Occupational safety and repetitive stress
Repetitive stress injuries (also called cumulative trauma disorders(CTD's) can result from repeating movements many times or working in a prolonged awkward or cramped position, and can affect the hands, wrists, arms, back, neck, and shoulders.

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Business income insurance: protection against the unthinkable
Suppose a fire, tornado, or other natural disaster forced you to temporarily suspend daily business operations. How would you meet your payroll obligations or cover other fixed costs without a continuing income stream from your business?

Protect your business from cyber-crime
To protect the workplace from these unconventional and extremely costly property risks, business owners should consider implementing their own cyberspace policing system.

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