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A trip to the doctor’s office isn’t everyone’s cup of tea! As the patient you go to the doctor’s office, sign in, sit and wait to be seen. Most of the time the patient gets impatient because of the amount of time they are waiting and feelings of frustration and irritation develop because they just want to get in and get out.

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs.

Specializing in small to mid-size risks, from traditional to hard to place, our Property and Casualty division can help you. Over the years we have developed the expertise to solve your client’s property risk challenges and have the niche to meet their needs. Your client has specific needs when it comes to their Property and Casualty needs, and we can deliver!

In today's increasingly complex and litigious business environment, your corporate officers and board of directors - the brains of the company - need protection against personal financial liability arising from their corporate activities. These people are highly vulnerable to lawsuits by investors, employees, vendors, competitors, customers, regulators and others, alleging misconduct for a wide variety of activities, such as: Providing inaccurate or unlawful advice. Fraud and malfeasance. Misrepresentation of company assets. Failure to comply with workplace laws. Poor hiring decisions. (A Towers Perrin survey found that 40% of all reported D&O claims involved flawed employment practices.) Directors & Officers Liability (D&O) Insurance will pick up the tab for legal fees, settlements, and other expenses from such litigation. This gives your officers and directors financial peace of mind in carrying out their corporate activities, and provides a valuable incentive for attracting, and keeping quality people who can help grow your business. There's a widespread need for this coverage. One in six company executives (17%) surveyed by Inc. Magazine believe that their business will experience a D&O-related loss within the next year. These policies usually offer two types of coverage known as "sides." Side A protects directors and officers from personal financial liability if the company is unable to indemnify them. (For example, during a bankruptcy or dissolution.) Side B coverage reimburses the company if it indemnifies directors and officers. (For example, when shareholders file suit against them.) A third coverage - sometimes known as Side C - comes into play when both the company and individual officers and directors face lawsuits. To learn more about how D&O Insurance can help minimize the financial risks of litigation for your company and your top people, feel free to get in touch with us at any time.

Pop quiz time. What's more secure; financial records locked in a filing cabinet or financial records stored in the cloud? If you don't understand how cloud security works, you probably said the filing cabinet. It's time for a little mythbusting about how secure your paperless office could be. Last week, Cindy Bates posted on the Microsoft SMB Blog about the benefits of a completely paperless office. Like Delta Airlines, who recently switched to the paperless cockpit, it's possible for any office or organization to ditch the dead trees and move entirely into the digital space. One of the first questions decision makers ask when considering the paperless office is "how secure is this?" It's a fair question, so let's consider Delta's paperless cockpit example and overall data security. The problem with paper is that, well, it's paper. Paper gets lost, it burns, it can be misfiled and disappear. It's only as secure as its physical location. If that location is a locked filing cabinet (or a vault under Fort Knox), if someone really wanted to get to it, they could. A file in the cloud cannot burn, be stolen, accidentally left behind in a restroom, or any other number of things that could affect a hard copy of important information. For a recent example, take a look at the Internet Archive, whose scanning facility in San Francisco recently caught fire. Although no data was stored in their San Francisco office, if it had been, cloud redundancies would have prevented any loss. But what about a data center, such as what powers Windows Azure or Office 365? Let's start with physical security: data centers are monitored 24 hours a day, 365 days a year. A team of ninjas could, in theory, break in, but they'd still have to know which of the thousand machines contained your exact data—so unless you've upset the cast of Ocean's 11, it's significantly less likely than an office fire that could destroy physical data. In addition, with Office 365, data transmitted across networks is encrypted—so if some agency (or other villain) happens to tap the wires, they still won't be able to read your files. While a move to a paperless office does not entirely guarantee data security—there are still those ninjas to think about—it is significantly more secure than leaving your information in paper form, where it could be destroyed or stolen with greater ease. It's just one more reason to go paperless.

Pop quiz time. What's more secure; financial records locked in a filing cabinet or financial records stored in the cloud? If you don't understand how cloud security works, you probably said the filing cabinet. It's time for a little mythbusting about how secure your paperless office could be. Last week, Cindy Bates posted on the Microsoft SMB Blog about the benefits of a completely paperless office. Like Delta Airlines, who recently switched to the paperless cockpit, it's possible for any office or organization to ditch the dead trees and move entirely into the digital space. One of the first questions decision makers ask when considering the paperless office is "how secure is this?" It's a fair question, so let's consider Delta's paperless cockpit example and overall data security. The problem with paper is that, well, it's paper. Paper gets lost, it burns, it can be misfiled and disappear. It's only as secure as its physical location. If that location is a locked filing cabinet (or a vault under Fort Knox), if someone really wanted to get to it, they could. A file in the cloud cannot burn, be stolen, accidentally left behind in a restroom, or any other number of things that could affect a hard copy of important information. For a recent example, take a look at the Internet Archive, whose scanning facility in San Francisco caught fire. Although no data was stored in their San Francisco office, if it had been, cloud redundancies would have prevented any loss. But what about a data center, such as what powers Windows Azure or Office 365? Let's start with physical security: data centers are monitored 24 hours a day, 365 days a year. A team of ninjas could, in theory, break in, but they'd still have to know which of the thousand machines contained your exact data—so unless you've upset the cast of Ocean's 11, it's significantly less likely than an office fire that could destroy physical data. In addition, with Office 365, data transmitted across networks is encrypted—so if some agency (or other villain) happens to tap the wires, they still won't be able to read your files. While a move to a paperless office does not entirely guarantee data security—there are still those ninjas to think about—it is significantly more secure than leaving your information in paper form, where it could be destroyed or stolen with greater ease. It's just one more reason to go paperless.

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