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If you're a business owner in Pennsylvania, you may have employees who take company laptops and smartphones with them during their summer travels. This is wonderfully convenient because it allows employees to stay in touch and work while they are in distant locales. It is also risky, however, because chances are those laptops and smartphones contain important customer and business records-data that should never land in the wrong hands.
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Chances are, Pennsylvania residents have caught wind of the insurance policies designed specifically for pets. Perhaps you even have health insurance policies for your furry, four-legged friends to protect your finances in the event that they become ill or injured.
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Times have changed substantially since the dog-eat-dog days of fire marks-distinctive plaques fashioned of lead or copper that home and business owners displayed on their property to indicate that it was insured against a fire. In the 18th and 19th centuries, fire insurance providers gave these plaques to policyholders who paid in advance for their protection. If a home or business caught fire, the fire insurance provider (who also ran the fire brigade!) would look for that all-important fire mark before going to the trouble of putting out the flames. If there was no fire mark to be found, they would turn around and leave, letting the building burn.
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On the West Coast, hurricane season begins May 15th and ends November 30th. On the east coast, the season starts on June 1st and also ends November 30th. Don't live on the coast? Don't assume you're safe. Major hurricanes can affect residents who live hundreds of miles inland with heavy wind and rains. In fact, between 1970 and 1999, freshwater inland flooding was the leading cause of death among all weather hazards related to tropical cyclones.
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Do you have home or office improvements planned for this summer? Perhaps you're finally going to build that beautiful patio cover you've been imagining for so long, so you can dine al fresco with friends and family and still have protection from August's blazing sun. Or maybe you're installing new windows in your office, to better let in the warm, fresh, summertime air. No matter the project, it's important for Pennsylvania residents to make sure that your contractor has all the right insurance coverage, potentially saving both of you from a lot of headaches and financial hardship.
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Most people think of insurance for things like home, autos, life or health, right? But have you ever heard about some of the strange things people have covered by insurance, such as a body part, perhaps, for a celebrity who makes money because of it, or a prized possession that in all reality, no one would consider valuable. Here are some of the weirder insurance policies requested in the sometimes weird world of insurance:
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Earth Day is April 22, 2012. It's a time for those of us in Pennsylvania to celebrate the miraculous beauty of our precious planet and all its offerings, as well as to make changes to our own habits and lives that will help to preserve the earth for many generations to come. Making such changes will not only benefit the planet; they will benefit you, and all of its present and future inhabitants.
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Perhaps poet T.S. Eliot was onto much more than he realized when he wrote, "April is the cruelest month..." Sadly, April showers bring more than sweet summer flowers. They also help to create an assortment of hazards that can do serious damage your Pennsylvania home sweet home.
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The Internet: it's a part of every Pennsylvania household, an indispensable resource, a source of endless entertainment, and an incomparably effective communication tool. Most of us can hardly imagine life without it. Its advantages are many, but it has its drawbacks, too. Chief among them is loss of privacy. What you search for, shop for, and look at on the Web is not just saved; it's shared, and used by advertisers who tailor their marketing strategies accordingly.
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Last summer, Apple introduced the iCloud, an intriguing method of saving data on a remote server-as distant and nebulous as a cloud itself-rather than on a local hard drive. The cloud allows users to store and remove data from a remote server through a network, but the cloud isn't new and it isn't limited to Apple's iCloud; the concept has been around for a while, and has existed in one form or another for years. According to industry journal InfoWorld, "[c]loud computing encompasses any subscription-based or pay-per-use service that, in real time over the Internet, extends IT's existing capabilities."
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