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Financial Institutions policies are among the most complex in the insurance industry. The specialists at Program Brokerage Corporation (PBC) have over 30 years of experience working for, underwriting to, and representing financial institutions. Litigation involving financial institutions is at an all time high. Do you have the proper coverage in place for the continuing and expanding regulatory exposures?

"The best of all gifts around any Christmas tree: the presence of a happy family all wrapped up in each other." - Burton Hillis, columnist and author” It all starts with Black Friday, Cyber Monday and spills over daily through Christmas Day.  Shoppers toughing out the crowds, beating down the doors to get the best prices they could get their hands on.  You spend your time and money (and sanity) to get everything on your loved ones’ list. But what happens after Christmas? The credit card statements start trickling in one by one.  All those wonderful things you had purchased for your family need to be paid in full.  You silently wonder, ‘Did I go overboard?’ and that little voice in your head says, ‘Nah, did you see their faces?’  And you go on about your day content that you had done the right thing. The excitements of those gadgets wear off before you have paid off your credit card.  This holiday season we have listed a few tips so that you don’t break your bank. Cut up those credit cards.  You will be paying much more than the $18.99 you paid for that doll in the long run.  Use your debit card or plain hard cash.  You’ll save yourself the interest rate payment. Budget…and stick to it!  You don’t have to go overboard.  Your wallet will feel better in the long run if you say to yourself, “I’m sticking to this budget.  Everyone will enjoy what they get.” BOGO Combo Deals!  I just purchased a pair of much needed winter boots and then I saw the sign, “Buy 1 pair of shoes and get the 2nd pair for $1!”   Needless to say, I took them on their offer.  Finding deals like that means you can buy two gifts for one. Compare prices!  There are several shopping apps that you can easily download and do comparison shopping before making any purchases. Nothing says LOVE like a homemade gift.   Get your creativity on and have some fun.  Knit those sweaters, bake that incredible dish, host a huge party, or design a beautiful portrait.  Your hard earned time means more to your loved ones than anything your hard earned money can buy. This Christmas make sure that Santa’s bank is as satisfied as your loved ones are. Content provided by Transformer Marketing.

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Contrary to popular belief, identity fraud does not always begin online. According to Travelers claim data, 44 percent of ID fraud cases happen when a person's purse or wallet has been lost or stolen. Thieves can use the information they find inside for ID fraud, so here are some critical steps to help protect yourself and your identity. Watch Your Wallet and Purse Many people store personal information in their purses and wallets, making it easier for thieves to commit identity fraud. Help secure your identity by keeping your purse and wallet in a safe place and carrying only essentials when you go out. Leave credit cards you will not be using in a secure place at home. Unless it is absolutely necessary, avoid carrying Social Security cards, birth certificates or passports as they contain key pieces of personal information thieves could use to steal your identity. Monitor Your Mail Whether you are sending or receiving mail, take steps to help keep it safe from prying eyes. Never put outgoing checks, bill payments or financial information in your unlocked home mailbox. When you need to send out sensitive documents, consider using a secure postal mailbox or send them from the post office. If you have not signed up for electronic statements, be aware of when your credit card statements are scheduled to arrive. If they are late, call the credit card company to confirm if the statement was sent. Be sure to shred old bills and unnecessary financial records containing personal information. Keep a Careful Eye on Your Credit According to our data, nearly half of ID fraud cases are committed using the victim's current accounts. On a regular basis, review your credit report and bank statements to monitor your accounts, and take these extra precautions: Make a list of all your credit card and bank account information, and store the list in a secure place, such as on a password-protected flash drive or in a fire-proof safe. Include account numbers, expiration dates, credit limits and phone numbers or emails of the customer service and fraud departments. If your card is missing or stolen, you will then be able to quickly notify your credit card provider to prevent fraudulent charges. Review your credit report and notify the credit bureaus of any mistakes. The U.S. Government Fair Credit Reporting Act gives consumers the right to receive one free copy of their credit report every 12 months from each of the three main credit bureaus (Experian, Equifax and TransUnion). Order one report from a different bureau every four months to see credit activity throughout the year. To order your credit report, visitwww.annualcreditreport.com. Keep Your Social Security Number Safe Social Security numbers are often used to open fraudulent accounts or to access financial information or assets. Do not have your Social Security number printed on your checks or allow merchants to write it on them. If a business requests your Social Security number, ask them why. If it is not a valid reason, do not provide the information they request. Also, never give confidential information to an unsolicited phone caller who claims they represent a financial institution or creditor. Instead, get the caller's name, location, phone number and reason for the call. Then call the phone number on your billing statements to verify the caller's identification. Get additional tips for helping protect your identity while you are online. Consider buying identity fraud insurance, a relatively inexpensive add-on to your renters or homeowners insurance policy. This coverage typically reimburses the cost of reclaiming your identity and rebuilding your credit, such as attorney's and notary fees and replacement of IDs. It is a low-cost investment against a high-expense crime.

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...mary targets as mega-corporations; banks, credit card providers, online retail...

Your weekly update on what's happening on CompleteMarkets. Featured Markets | Latest Discussions | Latest Blog Posts | Did You Know?

Your weekly update on what's happening on CompleteMarkets. Featured Markets | Latest Discussions | Latest Blog Posts | Did You Know?

Here at MAXIMUM we understand the intricacies and requirements of the Professional Liability sector, which is why we have spent the time to create a Professional Solutions Insurance package that provides full service to your client’s needs. Our MAX team can not only perform a rigorous form analysis but they can tailor the appropriate insurance terms to fit what your client needs.