November 24, 2015 / by KMRD Partners / KMRD Cares, One Minute From Normal Series / 0 comments
People who adopt an “attitude of gratitude” as a permanent state of mind experience many health benefits, according to research fielded by Robert Emmons, a psychology professor at the University of California at Davis. According to the journal Cerebral Cortex, gratitude stimulates the sensation of pleasure. With this research and the Thanksgiving holiday in mind, […]
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Flood Insurance – Could your business be washed away by a flood or sewer back-up?
December 10, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
Pennsylvania is considered to be one of the most flood-prone states in the nation, with approximately 83,000 miles of river and streams and nearly 2,400 local governments enrolled in the National Flood Insurance Program (NFIP). Although flood and sewer back-up is excluded under most standard commercial property policies, sewer back up can be added as […]
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Contingent Business Interruption Insurance – Are you protected from third party disruptions?
December 2, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
If you answer yes to any of the following questions, your company needs Contingent Business Interruption Insurance. Do any of your company’s operations heavily rely on a single or select group of third party providers of goods or services? Would a long-term computer outage disrupt your company’s ability to maintain normal business operations? Would losing […]
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KMRD Partners Adopts Attitude of Gratitude
November 24, 2015 / by KMRD Partners / KMRD Cares, One Minute From Normal Series / 0 comments
People who adopt an “attitude of gratitude” as a permanent state of mind experience many health benefits, according to research fielded by Robert Emmons, a psychology professor at the University of California at Davis. According to the journal Cerebral Cortex, gratitude stimulates the sensation of pleasure. With this research and the Thanksgiving holiday in mind, […]
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Business Auto Insurance Policy – Don’t Be Sideswiped By Negligent Entrustment
November 17, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
What if an unscheduled event suddenly seizes control of your business? Are you ready? With hazardous driving conditions about to return, it becomes even more important to examine the theory supporting negligent entrustment. The law maintains a company has a legal duty to investigate the driving records and qualifications of all potential drivers and take […]
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Weather Insurance – don’t get snowed in by excess costs
November 10, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series / 0 comments
According to the Farmer’s Almanac, we can expect a stormy winter with a significant amount of snow in the tri-state region. The Almanac is “red-flagging” the second week of January and the second week of February for possible heavy winter weather with a long, drawn out spell of stormy weather extending through the first half […]
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KMRD Partners Hams It Up Again This Holiday Season
November 4, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
As we enter the holiday season, we are shining a light on organizations helping to care for those who are in need. In lieu of sending Holiday Cards and gifts to our clients and partners, KMRD is again delivering spiral cut hams to Keystone Opportunity Center, located in Souderton, PA, between November 6 and December […]
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Flood Insurance – South Carolina’s flooding reinforces the importance of planning
October 9, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series / 0 comments
Although Hurricane Joaquin bypassed land, another storm provided enough tropical for what South Carolina officials have called a 1 in 1,000 year storm. More than 18 inches of rain in roughly 24 hours fell in the state, leading to severe flooding. Charleston got nearly one foot of rain on Saturday. It has been estimated 11 […]
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Negligent Entrustment – Auto Liability Insurance – Interlock devices save lives
October 6, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
According to Pennsylvania State Statute 75 §3805(a), all autos owned by DUI offenders may for a first offense and must for a second offense be equipped with ignition interlock devices for at least 1 year following license reinstatement. In New Jersey, a first time offender with a BAC greater than 0.15 must install an ignition interlock device. […]
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Cyber Insurance Coverage – Beware Public Wi-Fi Risks
September 29, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
Features which make free public Wi-Fi hotspots desirable for honest citizens also make them appealing to hackers; namely, they require no authentication to establish a network connection. This enables hackers to obtain easy access to unsecured devices on the same network. The biggest threat to security on a public Wi-Fi network is the hacker’s ability […]
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The human element of supply chain disruption – Employee Safety
September 23, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
The more your organization understands the “hidden human element” of supply chain risk, the better prepared you will be for supply chain disruptions from inside the organization. Smaller companies often rely on one person to maintain and fix critical machinery, rather than sending it out for repair. If that specially trained worker is on vacation […]
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