The Federal Trade Commission (FTC) reports that over 13.1 million Americans are victims of identity theft each year. As a result, they are unable to use their credit cards, cannot obtain new loans and, in some cases, are subject to criminal investigations for crimes they did not commit. 
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Social media has grown by leaps and bounds over the past decade. What many people don't understand are the unique risks that come along with social networking.

Anyone using Facebook, Instagram, Twitter, LinkedIn or any other social networking site should exercise extreme caution in what they decide to say online.
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It's a nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely damaging most of the front end and irreparably damaging the frame - essentially totaling the vehicle.

Luckily nobody was injured, but will insurance cover the total loss? Are you expecting the insurer to pay off the loan? That may not always be the case.
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In the business world, barely a week goes by without a major cyber incident happening. To help guide businesses toward cyber preparedness, Hiscox has come out with its 2019 Cyber Readiness Report.

This year’s report shows that of the companies surveyed, most experienced one or more cyber attack in the past year. The cost and frequency of these attacks have increased significantly, as well as the risks involved for small and medium sized companies. 
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Perhaps you remember the embarrassing scenario for NASA in early 2019, when the space agency was forced to cancel its first-ever all-woman spacewalk because they didn't have two suits on the International Space Station that fit them.
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The sun releases energy, called radiation, in various forms: in the sunlight you see, the heat you feel, and the invisible ultraviolet (UV) rays that cause you to get sunburned. UV rays from the sun can also damage your eyes and hurt your vision.

Dangers of UV Rays

There are two types of UV radiation: UVA rays and UVB rays. UVB rays are more likely to cause sunburn, but UVA rays penetrate deeper. Exposure to either can damage your eyes. Long-term exposure to UV rays can result in eye problems that may lead to vision loss from conditions like cataracts or macular degeneration. Other dangers include skin cancer (around the eyelids) and corneal sunburn. Long hours at the beach or ski slope without proper eye protection can cause corneal sunburn, which can be very painful and may cause temporary vision loss.
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Many businesses that produce some type of pollutant throughout the course of daily operations don't know they are doing so.

Those businesses that know they are producing pollutants have processes and safeguards in place to reduce their release into the environment. However, it’s important to understand that a business can be held liable for some very costly damages when these byproducts pollute another property or harm another individual.
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Summer has finally arrived! With all the fun these few short months hold, it’s easy to overlook the dangers that may be lurking.

Whatever your summer plans, take the following steps to protect your children and family to ensure that you have a safe summer free of avoidable accidents: 
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As road construction kicks into full swing, it’s important to drive safely to protect yourself and those around you. According to the Federal Motor Carrier Safety Administration, over 700 fatalities happen every year in work zones. However, you can easily stay safe while driving in work zones if you follow some important tips.
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