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Heritage Risk Advisors Blog

All You Ever Wanted to Know About Insurance

Truth Apples. An insurance in a minute education series

How Major Life Events Impact Your Insurance Needs

Life's biggest milestones, like marriage, buying a home, or having children, often bring new financial responsibilities and changes in your insurance needs. To ensure you and your loved ones have the right coverage in...

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Cybersecurity Implications of AI: Protecting Your Business

As artificial intelligence (AI) continues to revolutionize industries, its integration into business operations has become almost inevitable. AI offers substantial benefits in efficiency, decision-making, and automation,...

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Choosing the Right Umbrella Insurance Policy: A Guide to Extra Liability Coverage

When it comes to personal insurance, most people are familiar with their auto, homeowners, or renters policies. However, fewer may be aware of umbrella insurance-a type of coverage that goes beyond the limits of your...

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When to Consider Commercial Umbrella Insurance

In the complex world of business operations, unforeseen events can lead to liabilities that exceed the limits of your existing insurance policies. This is where Commercial Umbrella Insurance comes into play, offering an...

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Essential Safety Gear for Motorcyclists: A Guide to Protection on the Road

Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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Protecting Data and Privacy for Remote Workers: Cybersecurity Tips and Best Practices

The shift towards remote work has introduced numerous benefits for businesses worldwide, including increased flexibility and reduced overhead costs. However, this shift also presents new challenges in data security and...

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Insurance Considerations for Newlyweds: Merging Policies and Coverage

Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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How to Leverage Telematics to Improve Commercial Driver Safety

In the commercial auto industry, safety is paramount. Not only does it concern the well-being of drivers and the public, but it also significantly impacts operational costs and company reputation. With advancements in...

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Avoiding Common Home Insurance Claims During Renovations

Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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Does Your Business Need Workers' Compensation Insurance?

Workers' compensation insurance is a fundamental aspect of running a business, providing vital protection for both employers and employees. This insurance covers medical costs, rehabilitation, and lost wages for...

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Essential Fire Safety Tips for Your Home

Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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Insurance Considerations for Home-Based Businesses

The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful...

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Help Keep Teen Drivers Safe with Telematics

As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential....

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Help Protect Your Employees With Workers’ Comp

Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about...

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The Essential Guide to Creating a Home Inventory: Why and How

In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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Help Protect Your Rental Property with These Smart Devices

If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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Tips for Towing a Boat Trailer to Reduce Accidents and Insurance Claims

Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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Tips to Help Protect Your Business From Online Fraud

With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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How to Choose the Right Contractor for Home Improvement Projects and Avoid Liability Claims

If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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Tips for Hiring Remote Workers for the First Time

Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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Top Home Improvement Projects That Can Increase Your Home Value

When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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