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Winterizing: Money saving ideas for heating your home

October 19, 2017By RENAISSANCE ALLIANCE If you are dreading winter heating bills, it might be a good time to think of ways to save money now before the cold weather kicks in. You can find out how your energy use compares through EPA’s Home Energy Yardstick,. Answer questions about your use for a simple assessment of your home’s annual energy use compared to similar homes. Your energy supplier may provide a similar assessment so you night check there too, Experts…

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Consumer Beware – After a Disaster

Courtesy of iii.org Natural disasters (such as a flood, earthquake, hurricane or tornado) sometimes invite another type of disaster: “Storm Chasers” who try to profit from others’ unfortunate circumstances. These profiteers take many forms – from workers posing as qualified contractors to “volunteers” trying to help only themselves to lawyers and public adjusters offering to take over your claim. If you start having second thoughts about anyone who has offered assistance after disaster strikes, here are some tips to get…

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The Value of a Living Will — Legal Insurance Blog — October 24, 2017

Gives the Instructions Hospitals Need     Most people know what the last will is, but not everybody understands a living will. It doesn’t seem to make sense; wills are meant for after you die, right? That is not the case at all. A living will is something drafted to be in effect when you’re alive, and a good group legal plan offers drafting a living will as a service. Preventing a Catastrophe A living will is something to prepare…

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UK – Insurance Distribution Directive: Proposal to extend application date

The Insurance Distribution Directive ((EU) 2016/97, the “IDD”) came into force on 22 February 2016, and the current deadline for transposition by member states is 23 February 2018. The impact of the IDD has been previously discussed on this blog, most recently in March 2017, in light of the FCA’s first Consultation Paper. In a recent development, the European Parliament’s Economic and Monetary Affairs Committee (“ECON”) has recommended that the application date of the IDD is delayed until 1 October…

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4 Things Pedestrians Can Do to Walk More Safely

Walking may seem like a relatively safe activity – after all, you’ve been doing it for years or even decades. But this isn’t always the case. Walking in your home isn’t likely to cause damage. But commuting by foot certainly poses problems: More than 5,300 pedestrians were struck and killed in 2015. That’s up 8% higher from the prior-year number of 4,900. Nearly one of five (19%) of those fatalities occurred within an intersection. This problem involves reckless drivers, varying…

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4 cyber risk myths debunked by TruShield Insurance

A TruShield Insurance poll found that more than three quarters of Canadian small businesses operate without cyber insurance. Here’s why no protection is a hack approach when it comes to managing cyber risk. According to Ginni Rometty, IBM’s Chairperson, President and CEO, “…Cybercrime, by definition, is the greatest threat to every profession, every industry, every company in the world.” Bleak words from a large multinational corporation, but we wanted to get a view on what small businesses think about cyber…

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Aon buys Henderson Insurance Broking Group

Henderson to be part of Aon Risk Solutions UK. Aon has bought Leeds-headquartered Henderson Insurance Broking Group for an undisclosed amount in a deal expected to complete in December. The arrangement brings 16 offices and over 400 employees into Aon along with over £300m of gross written premium. As well as general insurance, Henderson also has offerings across health and benefits, and trade credit insurance. The possibility of the deal was first revealed by Insurance Age in September. According to Aon, the purchase will…

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How to Go from Broke College Student to Luxury Lifestyle ASAP

College is a time to be thinking about what you want out of life. Maybe for you, that’s a home built with the latest and most luxurious features. There are few better purchases to splurge on than the place where you spend most of your time, and being able to wake up and fall asleep in a place built for your comfort and rejuvenation brings a satisfaction that is hard to find anywhere else. Of course, a luxury lifestyle is…

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ABI hits out at FSCS fee proposals

Biba says brokers should not be worse off and calls again for a separate funding class. The Association of British Insurers (ABI) has attacked proposals by the Financial Conduct Authority (FCA) to change how it calculates fees paid by financial services firms to pay for the Financial Services Compensation Scheme (FSCS). The fresh consultation, published today (30 October) makes further calls for providers to pay more towards the scheme. It includes a proposal requiring product providers to contribute around 25%…

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