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Left-hand Turns: One of the Most Dangerous Moves on the Road


left turn signalHow many left turns do you make throughout the week? How many times do you step on the gas to make that turn between two on-coming cars – assuming (hoping) the 2nd car will slow down for you?

Making a bad decision like that isn’t the sole reason for intersection accidents, but it certainly contributes to the fact that making a left turn is one of the more dangerous moves drivers have to make on the road. Consider this:

  • In 2013 (according to Arbella Insurance) 31% of severe accidents (claims totaling at least $100,000 in bodily injury and property damage) involved a left-turning vehicle.
  • The U.S. Department of Transportation reports that across the country, over 53% of “crossing-path crashes” involve left-hand turns.
  • The National Highway Traffic Safety Administration reports that close to half of the 5.8 million car crashes in the U.S. are intersection-related and the majority of those are the result of making a left turn.
  • A study by New York City transportation planners revealed that left turns were 3x more likely to cause a deadly crash involving a pedestrian.

Read the rest of this entry »

Important Christmas Tree Safety Tips


christmas_treeThe National Fire Protection Association (NFPA) reports that each year, fire departments respond to an average of 240 structure fires caused by Christmas trees. (based on data collected between 2003 and 2006). Those fires caused an average of 16 deaths, 25 injuries, and $13.1 million in direct property damage annually.


To understand just how quickly a catastrophic fire can start with a Christmas tree, CLICK HERE. In 3 seconds, the tree is engulfed in flames…5 seconds it’s racing across the ceiling and in just 40 seconds the entire room is in flames.


Don’t take that risk. Follow these important safety tips prepared by the NFPA for carefully selecting and decorating Christmas trees; they can help make your holidays safer. Read the rest of this entry »

Bogus Emails—How They Can Trick You.


Scammers and hackers seem to crawl out of the woodwork every holiday season. And their activities are not just restricted to attacking retailer databases. This year, there has been a significant increase in emails offering retail gift cards– “just because you’re a great customer,” or as a reward for your input on a survey.


Here’s an example: We recently received this email and it is pretty obviously fraud, but look at all the ways they are trying to get you to click on links in this scam: Read the rest of this entry »

You Don’t Need To Be Rich To Need Umbrella Insurance!



It’s not uncommon to hear people say that they don’t need umbrella insurance because they have auto and homeowner or renters insurance. And they believe that if they are sued for amounts above their coverage limits… “You can’t get blood from a stone.”


What they are not thinking about is that if they are sued, and the judgment exceeds their auto and homeowner policy limits, ALL of their assets (future wages and the proceeds from liquidation of their home, vehicles, possessions) can be targeted.


So it’s more important to think of it this way: You don’t have to be a millionaire to be sued like one! Read the rest of this entry »

Tips to Help You Stay Safe Online This Holiday Season


data-security-hacker-password-security-breach-mobile-patch-theft-370x229The holiday season is huge for retailers! It’s also HUGE for cybercriminals who gear up to take advantage of all that extra holiday shopping activity online. It’s predicted that e-commerce sales will rise 8% to 11% this year to more than $105 billion, and 56% of smartphone users plan to use their phones while shopping.

“As consumers shop, bank and share more while on the go, they open themselves up to threats from criminals who want to steal their personal information,” said Gary Davis, chief consumer security evangelist at McAfee, part of Intel Security. “Understanding what to watch out for and how to properly secure their devices gives consumers additional information to protect their digital lives.”

So we thought it would be helpful to share with you what McAfee recently released in an effort to help educate folks on the most popular ways cybercriminals scam consumers during the holiday season as they surf their digital devices.


Here are their “12 SCAMS OF THE HOLIDAYS.” Read the rest of this entry »

Hard to Understand Drivers Who Still Text Behind the Wheel


textingAn Associated Press article last week reported on a survey conducted by AT&T in which 75% of the respondents admitted to still texting while driving, even though 98% said they were aware of the dangers.


It’s hard to understand the mindset, but here’s what they said about why they continue to do it: Read the rest of this entry »

Electrical Problems and Home Fires: Causes and Warning Signs


electfireThe U.S. Fire Administration says that there are 28,600 electrical fires every year, causing $1.1 BILLION in property damage. Those fires are responsible for 310 deaths and 1,100 injuries every year. (The largest percentage of home fires also happens between December and January so we’re heading into the more dangerous period!)


It’s easy to think, “It won’t happen to my family.” But it can and it does. So here’s a list of five key causes of electrical fires in the home and the warning signs you should know about to keep your home and your family safe! Read the rest of this entry »

Halloween: Be Smart; Be Safe; Be Protected


Trick-or-Treaters-fpu-journalismHalloween is this Friday. And while most of us think of it solely in terms of kids, costumes and candy —it’s important to also think about the risks to personal safety, property, or your bank account if an accident occurs.

So to help you protect yourself, your family, and your business against Halloween risks, here are a few safety tips (many of them common sense) to keep in mind on Friday: Read the rest of this entry »

“Small Business” Doesn’t Mean Small Cyber Risk


Data Breach SecurityFrom Home Depot and Target to Staples and K-Mart, it may seem like cyber criminals are only interested in hacking big business. Actually, nothing could be further from the truth. A 2013 Verizon Data Break Investigations Report cites that 31% of all data breaches occur in companies with fewer than 100 employees.

Read the rest of this entry »

Fall Home Maintenance…Get to it while the weather is still good!


Fall-home-maintenance-tipsHere in New England, we’re (hopefully) all wise enough to know that the last thing you want to be dealing with in the middle of the winter is a dead furnace, chimney fire, or leaking roof. So here are a few key maintenance tasks to handle now, while the weather is still accommodating: Read the rest of this entry »