Top Apps To Avoid Drunk Driving

Drunk driving incidents claim the lives of up to 25,000 Americans per year, according to statistics from the National Transportation Safety Administration. That should be reason enough to do all you can to prevent yourself and your friends and loved ones from getting behind the wheel, while intoxicated. Even if no one is hurt, getting convicted of even one DUI offense can cost you your license, your insurance, and as much as $10,000 in legal fees and fines. In some industries, a single DUI offense can cost you your career, as well. Fortunately, thanks to mobile phone and computer technology, we now have a number of useful and innovative tools to help you have a good time, while responsibly managing 

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Why Insurance Rates are Increasing

We are often asked why are insurance rates increasing? I didn’t file a claim or get a ticket. Insurance premiums are a function of these factors: The perception of future risks, recent catastrophic claims and the return available on investment. Huge fires and other disasters factor in, such as the Colorado Springs blazes earlier this year and other natural disasters have also forced large payouts. Even the devastating Japanese earthquake and tsunami from 2010 affects insurance premiums in the United States, since insurance companies routinely purchase re-insurance coverage from very large companies. And these reinsurance companies, such as General Re, have been increasing their rates. In addition, jury awards and settlement costs in a variety of commercial fields have put 

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Healthcare Open Enrollment 2017

In the insurance industry, ‘annual enrollment’ refers to the period every year where individuals can sign up for an insurance plan with no discrimination or reduced discrimination against pre-existing conditions, or reduced or non-existent medical underwriting. In some cases, it’s the only time someone can sign up for insurance with a only a few exceptions. Take open enrollment very seriously as missing this window may shut you out of options or even health insurance alltogether. Insurance companies and laws limit open enrollment to specific times every year in order to protect themselves and everyone else enrolled in their plans against adverse selection, which is the tendency of healthy people not to sign up for insurance until they actually have a 

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Cyber Liability Insurance

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. Playstation Network is a high-profile target with tens of millions of subscribers, making it attractive to criminals. However, even small businesses that do business over the Internet are vulnerable to 

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3 Steps to Controlling Workers’ Compensation Costs

Workers’ Compensation can be a large cost center for a business. The extent depends on the type of business and the state where the business is located. The cost to insure a single employee making $30,000 per year can range from less than $100 (for a clerical worker) to around $1,400 (for a restaurant worker) to more than $10,000 (for a roofing worker). For employers in industries that require dangerous work, limiting Workers’ Compensation costs is vital. Here are three things they can do. First, employers should prevent injuries from happening. There are as many ways to keep a safe workplace as there are workplaces. However, certain components of a safety strategy are universal:   Keep workspaces clean and free 

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