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Offering Health Insurance to Same-Sex Spouses
Under the Affordable Care Act, health insurance issuers in the individual and group markets are generally required to guarantee insurance coverage to every employer and individual that applies....
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Insurance for Tech Companies
Since most businesses rely on technology, providing technology services has become big business. Technology companies provide goods, services and expertise that can increase efficiency, productivity...
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Developing a Cybersecurity Framework
In February 2013, President Obama issued Executive Order 13636 on Improving Critical Infrastructure Cybersecurity. This Order calls for the development of a framework of industry standards and best...
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Why Did I Get a Reservation of Rights Letter?
Upon receiving notice of a claim, an insurance company must determine whether it is covered by a policy. If a claim is clearly covered, the insurance company will begin the process of defending or...
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Is a Resident Manager Ideal for Your Self Storage Facility?
Resident managers are not as common as they used to be in the self storage industry. For some self storage facilities, however, a manager living on the premises may be the key to running a successful...
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Making the Most of National Electrical Safety Month
Protecting your family, home and property is a full time job. Unfortunately, busy schedules often get in the way of making safety a top priority. Since May is National Electrical Safety Month, now is...
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Affordable Care Act Update
Despite becoming law over four years ago, the Affordable Care Act continues to make headlines. Since it’s not easy to keep track of all the changes, let’s take a look at some of the more significant...
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The Affordable Care Act’s Summary of Benefits and Coverage
The complexity of group health insurance makes it difficult for employers to shop for health plans and for employees to choose among several employer-provided options. Unfortunately, helpful consumer...
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Are You Ready for the 2014 Hurricane Season?
For those living or working in the Atlantic hurricane region, June 1st rarely passes unnoticed. At Setnor Byer Insurance & Risk, we understand that preparing for hurricane season is rarely easy and...
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Florida’s New Data Breach Notice Law
Florida has a new law to combat the recent surge of data security breaches involving sensitive personal information. On July 1, 2014, Florida’s current data breach notification statute will be replaced...
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Loss of Business Income Caused by Civil Authority Action
Public safety concerns may prompt civil authorities to take action to protect people and property. For example, a governor can issue a mandatory hurricane evacuation, a mayor can close roads during...
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Summary Plan Descriptions under ERISA
The Employee Retirement Income Security Act (ERISA) is a federal law that sets minimum standards for most voluntarily established employee pension and welfare plans in the private sector. To protect...
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Shopping for Homeowners Insurance Video from Tower Hill® Insurance
For most people, their biggest purchase is their home. Following the four must-dos for shopping for homeowners insurance can help you find the best value and the best protection for your home: Get...
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A Narrow View of Cyber Risks Can Leave You Overexposed
Recent, high-profile incidents show that every business is at risk of suffering a data security breach, regardless of size, resources or sophistication. To combat the risk, many organizations are...
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Is Your Self Storage Facility Prepared for the Next Disaster?
Preparation is the key to surviving a natural or human-caused disaster. Nevertheless, a survey by the Ad Council found that 62% of respondents did not have an emergency plan in place for their...
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A Contract's Fine Print: Find the Devil in the Details
Contracts are an essential part of doing business. Regardless of size or industry, contracts with customers, vendors, suppliers, service providers or independent contractors are an important part of a...
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Is Jameis Winston's Arm Worth $10 Million?
Jameis Winston purchased a $10 million disability and loss of value insurance policy, and Florida State is helping him pay for it.While the exact cost for this insurance coverage is not certain, there...
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Settling Insurance Claims: Good Faith or Bad Faith?
Insurance companies have a general duty of good faith when settling the claims of their policyholder. This duty of good faith can come from statute, common law, or both. For example, in addition to...
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SEC Commissioner Emphasizes the Importance of Cyber Insurance
Cyber risks are a growing concern among businesses of all kinds. In a recent speech given at the New York Stock Exchange, SEC Commissioner Luis A. Aguilar emphasized that cyber security should be a...
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Counting Employees under the Affordable Care Act’s Pay-or-Play Provisions
Employers subject to the Affordable Care Act’s Employer Shared Responsibility provisions may be assessed a penalty if they do not offer affordable health coverage that provides a minimum level of...
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