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Hefty fines and insurance hikes are no picnic. Accidents, tickets and bad decisions behind the wheel are bound to affect your insurance.

With the cold weather upon us, there are many  in our community that are struggling to provide holiday gifts and food for their families. 

We want to take a moment to thank our employees and clients for their generous spirits this holiday season. So far this month:

Children are curious, and often clumsy.

Holiday decorations add beauty to your home or office, helping make the holiday season more festive. To keep your family and business safe during the holiday season, remember these decorating safety tips:

Each year people vote for the very best in the Virgin Islands... Best Hotels, Best Restaurants, and yes...Best Insurance Agencies!  The winners are voted on by people both from the VI and the mainland who know all about what is best on St. Croix, St. Thomas and St. John.

The Centers for Disease Control and Prevention (CDC) reports that around 6,000 Americans lose their lives each year as a result of cold weather. Cold-related injuries and illnesses can afflict a person who has been chilled by low temperatures, brisk winds or wet clothing.

Alcohol and Office Holiday Parties: 7 Ways to Reduce Your Liability

Office holiday parties can build morale, offer opportunities for more casual interactions among workers, and reward employees for a productive year--but did you know they can also be a source of liability for your company?

Each year people vote for the very best in the Virgin Islands... Best Hotels, Best Restaurants, and yes...Best Insurance Agencies!  The winners are voted on by people both from the VI and the mainland who know all about what is best on St. Croix, St. Thomas and St. John.

Employers subject to the Americans with Disabilities Act (ADA) - generally those with 15 or more employees - that offer a wellness program that collects employee health information are reminded that they must provide a new notice to employees as of the first day of the plan year that begins on or after January 1, 2017.  

When your employees work almost exclusively outdoors, the weather plays a large role in their daily working conditions. Sometimes, working in rainy, cold or snowy conditions is simply unavoidable, so it is important that your employees are prepared and educated on handling the conditions safely.