The New Year is a great time to prioritize home safety and review your insurance coverage to make sure you are appropriately covered. We’ve assembled some tips to make it easier and maybe even save you some money.
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Test Your Home. Protect Your Health.

The Environmental Protection Agency (EPA) has designated January as National Radon Action Month. As part of this safety campaign, American’s are urged to protect their health by testing their homes for radon.

​Dan M. Molyneaux, Jr., CPCU, ARM, CRIS 
Chief Executive Officer ​

​Many of our clients, regardless of industry, are being impacted by market changes in the insurance market. A clean loss record may help mitigate some of the impact, but it does not spare clients from these market actions.
 
This is a big picture trend in the insurance industry. 
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​Allow me to explain what is happening.

In some instances, a commercial crime insurance policy may offer coverage for a loss due to a cyber-attack. The 11th U.S. Circuit Court of Appeals in Atlanta has ruled that an insurer must indemnify a policyholder that was scammed out of more than $1.7 million in a phishing incident under its commercial crime policy.

Financial stress can be a burden, but did you know it can also have a negative effect on your health? Understanding the relationship between financial and physical wellness can help you improve both areas of your life.
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Millions of people become ill due to food poisoning each year after consuming foods that are contaminated during preparation.
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One misconception about homeowner's liability insurance coverage is that it only covers incidents in the home. 

In fact, coverage under the comprehensive personal liability portion of your homeowner's policy is not limited by location. It is, however, limited by the liability caps on your policy. 

Just as the heat poses safety risks in the summer, the freezing temperatures and bitter wind chills of winter pose serious safety issues. Those who work outdoors, face the dangers of lowered body temperature, hypothermia, and frostbite.

Want to improve your retirement savings? Strive to participate in your company retirement plan - and stay in it. A study by the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) found that workers who were consistent about participating in a single company's 401(k) plan were more successful at accumulating retirement assets than those who were inconsistent.
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Each year the Handicapped Development Center (HDC) holds an annual Donor Appreciation Dinner to recognize the people and organizations that support HDC, its mission, and the people they serve.
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At this year’s event, Molyneaux was inducted into their Hall of Fame.