Over the past few years, more accidents have been attributed to smartphone use while driving. This, along with the higher cost of repairs, has led to double-digit increases in commercial auto insurance rates.

Distracted driving has led to sustained commercial auto premium increases for businesses of all sizes – from those with a few vehicles and drivers to those with large fleets. However, there are now several new factors that will play a part in ensuring rates continue to climb, at least in the near term.
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Long-term care covers a variety of custodial (unskilled or semi-skilled) types of care.  Although nursing homes are still part of the long-term care equation, there are many other options to consider:
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• Home health care
• Community-based care
• Assisted living facilities
• Adult day care
• Respite care
• Hospice care

In our health- and fitness-focused culture, it can be easy to lose sight of what well-being really encompasses. At its most basic, well-being refers to feeling good and living both safely and healthily. It refers to wellness in all aspects of life, including, but not limited to physical health, mental health, social health and financial health.  The concept of well-being can have implications on your overall quality of life, health and happiness.

Learn more about four of the tenants of well-being—physical, mental, social and financial—and how you can focus on improving each area.  
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The availability of home DNA-testing kits has resulted in many unanswered questions about life insurance.
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​As winter starts subsiding, the harsh elements of the season can do serious damage to roadway surfaces, mostly in the form of potholes.
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A new report highlights the risks to commercial real estate owners from natural catastrophes and climate-related disasters, which are happening with increasing frequency.

The report by Heitman LLC, a global real estate company, in conjunction with the Urban Land Institute, found that the increasing risks from catastrophes are bringing new challenges to commercial property owners in terms of risk mitigation and securing appropriate property coverage, which may become more difficult in the future. 
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Being distracted behind the wheel is very dangerous and should never be considered a necessity. No call or email is worth a life. Break bad driving habits with these reminders.

​Did you know that millennials have become the nation’s largest living population? Millennials, also known as “Gen Y,” are projected to surpass 75 million this year.  In fact, more than 1 in 3 American workers is a millennial. That means millennials – those workers age 18-34 – have the largest share of the country’s workforce, and this number will only increase as more finish college and enter the workforce.  
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Crime Insurance has been around for decades with a focus on protecting companies from employee and vendor theft, fraud and forgery. 

By contrast, Cyber Insurance was created to protect companies from damages occurring from cybercrime. The first cyber policies covered such things as customer notification, credit monitoring and other related services, as well as third-party liability. 
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Our thoughts go out to everyone during this difficult time of flooding. Flooding dangers do not end when the water begins to recede; in fact, sometimes the work has just begun. This infographic offers some tips to keep you safe. LMC Insurance & Risk Management is here to help and support you every step of the way.