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Two construction workers wearing reflective safety vests and hard hats stand near an excavator at a worksite during sunset, discussing OSHA's proposed heat injury and illness prevention standard.

Understanding OSHA’s Proposed Heat Injury and Illness Prevention Standard

The Occupational Safety and Health Administration (OSHA) has recently taken a significant step towards enhancing workplace safety by ...
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Three children dressed in Halloween costumes, including a pirate and a witch, hold a candy bucket filled with treats. The caption overlay reads, "How to Ensure You're Covered for Trick-or-Treat Night," along with the SIA Blogs logo.

How to Ensure You’re Covered for Trick-or-Treat Night

As the leaves change color and the air turns crisp, it’s that time of year again—Halloween! For many ...
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This image shows a snow-covered residential neighborhood with several houses and leafless trees lining the street. The caption overlay reads, "Winter is Coming: Review Your Policy Now to Avoid Cold-Weather Claims," along with the SIA Blogs logo.

Winter is Coming: Review Your Policy Now to Avoid Cold-Weather Claims

As the days grow shorter and the air turns crisper, we all know what’s on the horizon: winter. ...
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A person operates a point-of-sale system on a tablet in a small business setting, with a card reader and receipt printer in the foreground. A staff member is seen serving a customer in the background. The caption reads, "Why Group Health Plans Are Crucial for Small Businesses," alongside the SIA Blogs logo. An example of group health plans for small businesses.

Why Group Health Plans are Crucial for Small Businesses

As a small business owner, you wear many hats, from managing day-to-day operations to making strategic decisions for ...
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This image shows a flooded kitchen, with water covering the floor and reflecting the furniture above. The caption overlay reads, "Understanding Flood Insurance," along with the SIA Blogs logo.

Understanding Flood Insurance: October’s Rainy Season Risks

Understanding Flood Insurance: October's Rainy Season Risks October marks the start of the rainy season for many regions, ...
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The scene depicts a white house surrounded by trees with vibrant autumn leaves, set against a fall backdrop. The caption overlay reads, "How to Prepare Your Home for Fall Weather," along with the SIA Blogs logo.

How to Prepare Your Home for Fall Weather: Insurance Tips for Homeowners

As the crisp autumn air rolls in and the leaves start to fall, it’s time to think about ...
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An older couple sits closely together with the man's arm around the woman, promoting Life Insurance Awareness Month. The "SIA Blogs" logo appears in the lower-right corner.

Life Insurance Awareness Month

Life insurance may not be the most exciting topic, and it might feel like an unnecessary expense. However, ...
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A flooded basement with water covering the floor is shown, featuring scattered objects and furniture partially submerged. The image highlights the aftermath of Hurricane Debby, with a statistic indicating that over 75% of homes affected may lack flood insurance. The "SIA Blogs" logo is displayed in the lower-right corner.

Over 75% of Homes Damaged by Hurricane Debby May Lack Flood Insurance

More than three-quarters of the homes hardest hit by Hurricane Debby were located outside federal flood zones, meaning ...
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Two parents gazing out of car window as they drop their daughter off at school. The "SIA Blogs" logo is displayed in the lower-right corner.

Managing Work-Life Balance During Return to School

Working parents are a critical part of the U.S. workforce. According to the job website Glassdoor, 2 in ...
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A construction worker in safety gear, working in the rafters of a newly built building. The "SIA Blogs" logo is displayed in the lower-right corner.

5 Risks of Hiring an Uninsured Contractor

Project owners or general contractors must carefully vet contractors to ensure jobsite safety and financial security. A critical ...
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A woman consults with a therapist, holding a tissue. Text overlay discusses ERISA penalties related to mental health benefits. The "SIA Blogs" logo is displayed in the lower-right corner.

ERISA Penalties: Employer Fined for Failing to Provide Mental Health Benefits Information

The U.S. District Court for the District of Montana recently awarded over $32,000 in penalties against an employer’s ...
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Two women dressed professionally, sitting next to one another in a conference room going through documents. The "SIA Blogs" logo is displayed in the lower-right corner.

How to Read an Experience Modification Worksheet

What is an Experience Modification Worksheet? An experience modification worksheet, also known as an experience rating worksheet or ...
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Two men in professionally dressed in suits, shaking hands in an office building with large windows. The "SIA Blogs" logo is displayed in the lower-right corner.

The Value of D&O Insurance for Private Companies

Understanding the Importance of D&O Insurance for Private Companies In today's business landscape, corporate transparency and accountability are ...
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A classroom filled with young students, many raising their hands, is seen in a bright, engaging learning environment. The caption reads, "Back to School," alongside the SIA Blogs logo.

School Health and Safety Tips: Ensuring a Safe and Healthy School Year

As children head back to school, it's crucial to review ways to keep them safe and healthy throughout ...
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A group of people walks briskly through an office hallway, with motion blur emphasizing their movement. The setting has a modern feel with wooden panel walls and a large clock. The caption reads, "Cultural Shifts to Attract Millennial Talent," along with the SIA Blogs logo.

Cultural Shifts to Attract Millennial Talent

Millennials, born between 1981 and 1996, will comprise 75% of the global workforce by 2025. To attract and ...
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Construction workers are silhouetted against a dramatic sunset as they operate heavy machinery and work on scaffolding at a building site. The caption reads, "OSHA's New Walkaround Rule," along with the SIA Blogs logo.

OSHA’s New Walkaround Rule

Effective May 31, 2024, OSHA's "Worker Walkaround Representative Designation Process" allows more third parties to join on-site inspections. ...
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A large fallen tree lies across a sidewalk and in front of a blue house, with broken branches and leaves scattered around. The caption reads, "2024 Atlantic Hurricane Season: What to Expect and How to Prepare," along with the SIA Blogs logo.

2024 Atlantic Hurricane Season: What to Expect and How to Prepare

As the 2024 Atlantic hurricane season approaches, meteorologists are predicting an unusually active period, with significant implications for ...
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Two women are seated across from each other in a modern office, engaged in a focused conversation. One woman, dressed in a tan blazer, listens attentively. The caption reads, "Exploring the Value of Stay Interviews," along with the SIA Blogs logo.

Exploring the Value of Stay Interviews

Stay interviews delve into what motivates employees to stay with—or leave—an organization and pinpoint areas that require attention ...
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A damaged power pole is seen leaning dangerously over a road, with downed power lines strewn across the pavement. The scene is set in a residential area, surrounded by lush trees, indicating the aftermath of a severe storm or hurricane.

Hurricane Preparedness: Protecting Your Business and Home in Eastern North Carolina

As a resident or business owner in Eastern North Carolina, you’re no stranger to the potential impact of ...
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A bearded man in a safety vest smiles while driving a large vehicle, focusing on the road ahead. The caption reads, "Steps to Foster Safer Drivers in Businesses," along with the SIA Blogs logo.

Steps to Foster Safer Drivers in Businesses

Drivers representing companies face significant risks on the road, with transportation incidents ranking as the leading cause of ...
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A group of people brings their fists together in a show of unity and teamwork. The caption reads, "Navigating Business Interruption Insurance: Traditional vs. Cyber," along with the SIA Blogs logo.

Navigating Business Interruption Insurance: Traditional vs. Cyber

Business continuity in the face of unexpected disruptions is a critical concern for organizations. Business Interruption (BI) insurance ...
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A coastal neighborhood is battered by strong winds and heavy rain, with palm trees bending and streets flooded. The caption reads, "Preparing for an Active Hurricane Season in 2024," along with the SIA Blogs logo.

Preparing for an Active Hurricane Season in 2024

The upcoming hurricane season in the Atlantic is anticipated to be particularly active, as indicated by experts from ...
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A woman sits at her desk, holding her glasses and pinching the bridge of her nose in a stressed posture. The caption reads, "Stress Awareness: Effective Coping Strategies," along with the SIA Blogs logo.

Embrace Stress Awareness with These Effective Coping Strategies!

Did you know that stress affects 77% of adults in the United States? Join us in embracing stress ...
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A couple stands in a bright, minimalistic room, holding moving boxes as they unpack or prepare to move. The caption reads, "Navigating the Risks Renting Out Your Home Safely," along with the SIA Blogs logo.

Navigating the Risks: Renting Out Your Home Safely

Are you considering renting out your home for extra income while you're away? It can be a tempting ...
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An older couple sits together on a bench, smiling as they look at a tablet. The scene is set outdoors with soft, warm lighting and trees in the background. The caption reads, "Protecting Your Loved Ones: The Importance of Life Insurance," along with the SIA Blogs logo.

Protecting Your Loved Ones: The Importance of Life Insurance

Life insurance is a topic that often gets pushed to the back burner. It's not the most exciting ...
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A smiling couple stands in a kitchen, with the woman embracing the man from behind in a joyful moment. The caption reads, "Key Health Plan Notice Updates 2023, 2024, and Beyond Summary," along with the SIA Blogs logo.

Key Health Plan Notice Updates 2023, 2024, and Beyond Summary:

Federal agencies have recently updated key model notices for group health plans to ensure compliance with disclosure requirements. ...
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A woman sits in a blue car holding her head in pain after a car accident, with smoke visible in the background. The caption reads, "Steps to Take After a Car Accident," along with the SIA Blogs logo.

Steps to Take After a Car Accident

Experiencing a car accident can be unsettling, and navigating the aftermath may seem overwhelming. Here's a guide on ...
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A doctor smiles while explaining something on a tablet to an elderly woman who is sitting with a cane, listening attentively. The caption reads, "What Is a Deductible?" along with the SIA Blogs logo.

Understanding Health Insurance Deductibles

A deductible in health insurance is a predetermined amount that you are required to pay before your insurance ...
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A group of people, including adults and children, are wearing protective glasses while looking up at the sky, likely viewing a solar eclipse. The caption reads, "Your Guide to the 2024 Solar Eclipse: Safety, Viewing Tips, and More," along with the SIA Blogs logo.

Your Guide to the 2024 Solar Eclipse: Safety, Viewing Tips, and More

Are you ready for the upcoming 2024 total solar eclipse? Set to dazzle observers in the United States, ...
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Two firefighters in full gear stand smiling in front of a fire truck, one holding an axe and the other with a helmet in hand. The caption reads, "OSHA Proposes New Emergency Response Standard," along with the SIA Blogs logo.

OSHA Proposes New Emergency Response Standard

On February 5, 2024, OSHA issued a Notice of Proposed Rulemaking (NPRM) introducing a Safety and Health Standard ...
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A doctor wearing a white coat uses a tablet to explain something to a patient, focusing on the screen during the consultation. The caption reads, "Comparing Embedded and Nonembedded Deductibles," along with the SIA Blogs logo.

Comparing Embedded and Nonembedded Deductibles

It is crucial to comprehend how your health insurance deductible operates, and family coverage typically involves two fundamental ...
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Two colleagues, a man and a woman, smile as they collaborate while looking at a computer screen. The caption reads, "Navigating Cyber Insurance Claims: A Four Step Guide for Organizations," along with the SIA Blogs logo.

Navigating Cyber Insurance Claims: A Four-Step Guide for Organizations

As cyber threats continue to escalate, organizations are grappling with the increasing risk of cyber incidents. With global ...
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A woman sits at her desk, engaged in a video call on her laptop, wearing glasses and earbuds. The caption reads, "8 in 10 U.S. Companies to Monitor Office Attendance in 2024," along with the SIA Blogs logo.

8 in 10 U.S. Companies to Monitor Office Attendance in 2024

In a recent survey conducted by ResumeBuilder.com, we delved into the practices of U.S. companies concerning office attendance ...
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Two women carry moving boxes into a bright, well-lit living room, with unpacked items visible in the background. The caption reads, "Navigating Home Insurance in 2024: Practical Tips for Buyers," along with the SIA Blogs logo.

Navigating Home Insurance in 2024: Practical Tips for Buyers

Taking proactive steps to mitigate rising premiums and uncover potential savings in the home insurance market is crucial ...
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A smiling man wearing glasses sits in the driver's seat of a car, looking back over his shoulder. The caption reads, "Navigating the 2024 Auto Insurance Market," along with the SIA Blogs logo.

Navigating the 2024 Auto Insurance Market: Key Insights

The auto insurance landscape in 2024 poses challenges for consumers seeking cost-effective coverage without compromising quality. Understanding the ...
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Two women are seated at a table in an office, engaged in a conversation. One woman gestures as she speaks, while the other listens attentively, with a laptop open in front of her. The caption reads, "Critical Employment Policies for 2024," along with the SIA Blogs logo.

Critical Employment Policies for 2024: A Comprehensive Review

Employee handbooks serve as vital tools for setting expectations, addressing workplace issues, and mitigating legal risks. Neglecting regular ...
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Two construction workers, both wearing yellow hard hats and safety gear, review plans on a table. One is pointing at the documents, while the other holds a hard hat and observes. The caption reads, "Benefits of Bundling Your Commercial Policies," along with the SIA Blogs logo.

Unlocking Value: Benefits of Bundling Your Commercial Policies

Insurance carriers recognize the cost-effectiveness of offering additional coverage lines to existing customers, fostering longer-term relationships. While this ...
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Two people are seated at a table, with one person holding a pen and signing a document while the other gestures towards the paperwork. The caption reads, "2024 Federal Poverty Levels: Navigating the Impact on Employer Liability," along with the SIA Blogs logo.

2024 Federal Poverty Levels: Navigating the Impact on Employer Liability

The U.S. Department of Health and Human Services (HHS) annually updates Federal Poverty Levels (FPLs) to determine eligibility ...
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A woman in a plaid blazer reviews documents at a table while a man in a suit sits across from her, holding his glasses. The caption reads, "What Employers Need to Know for 2024," along with the SIA Blogs logo.

What Employers Need to Know for 2024

The landscape of preventive care coverage is undergoing shifts, and employers must stay informed to ensure compliance and ...
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Construction workers in safety vests and helmets are collaborating on a scaffolding structure, demonstrating teamwork in a construction environment. The image highlights the importance of safety in workplace settings, relevant to OSHA's injury and illness submission requirements.

Expansion of OSHA’s Injury and Illness Submission Requirements

OSHA (Occupational Safety and Health Administration) has introduced a significant update affecting employers, particularly those in high-hazard industries. ...
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A woman in a striped blouse is engaged in a phone call while reviewing paperwork in a warehouse filled with stacked boxes. Her expression suggests she is focused and organized, reflecting a proactive approach to managing her business.

Navigating the Financial Horizon: A Comprehensive Small Business Financial Planning Guide for 2024

As the dawn of 2024 approaches, small business owners are gearing up for the challenges and opportunities that ...
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A man and a woman are seated at a desk, reviewing documents together with smiles, appearing engaged in a discussion. The caption reads, "Employee Benefit Plan Limits in 2024," along with the SIA Blogs logo.

Employee Benefit Plan Limits in 2024

Many employee benefits have annual dollar limits, adjusted for inflation by the IRS. Common benefits affected include: High ...
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A collection of three-dimensional question marks in varying shades of blue are scattered across a dark blue surface. One question mark stands out in a lighter blue hue, creating a focal point amidst the darker ones.

FAQs

Personal Insurance Individual Health & Life Commercial Insurance Employee Benefits Bonds
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Two young girls joyfully hug teddy bears in front of a beautifully decorated Christmas tree, with gifts and festive decorations surrounding them in a cozy holiday setting. The caption reads, "Celebrating Safe Toys and Gift Month," along with the SIA Blogs logo.

Celebrating Safe Toys and Gift Month

December is not only a month of festive celebrations but also a time to prioritize safety, especially when ...
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A close-up of a car driving on a snowy street with snow on its tires and body, while blurred streetlights glow in the background. The caption reads, "Holiday Stress: Traveling and Comprehensive Car Insurance Tips," along with the SIA Blogs logo.

Holiday Stress: Traveling and Comprehensive Car Insurance Tips

The holiday season marks the peak of long-distance travel, with crowded highways causing additional stress. Don't let travel ...
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An elderly woman is carefully checking her blood sugar level using a glucose meter, conveying the importance of managing diabetes. The caption reads, "Raising Awareness: American Diabetes Month," with the SIA Blogs logo.

Raising Awareness: American Diabetes Month

November is a crucial month for millions of Americans as it marks American Diabetes Month, a time dedicated ...
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A person wearing a pink shirt holds a pink ribbon, symbolizing support for breast cancer awareness. The caption reads, "Supporting Hope and Health: Breast Cancer Awareness Month," with the SIA Blogs logo.

Supporting Hope and Health: Breast Cancer Awareness Month

October is a month of transformation. As the leaves change colors and the air turns crisper, it also ...
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A couple walks arm-in-arm along a peaceful beach, enjoying the sunny day and the ocean view, evoking a sense of togetherness and security. The caption reads, "Safeguarding Your Future," with the SIA Blogs logo.

Safeguarding Your Future

Welcome to the month of September, where we join hands to raise awareness about a vital aspect of ...
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A satellite view of a massive hurricane swirling in the ocean, with a distinct eye at the center. The caption reads, "Hurricane & Tropical Storm Preparation: Before, During & After," along with the SIA Blogs logo.

Hurricane Idalia, The Before, During and After

Beginning on Wednesday night, August 30th, 2023, and leading into Thursday, August 31st, 2023, it is predicted that ...
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A person sits with hands clasped together, fingers nervously intertwined, conveying a moment of anxiety or contemplation. The caption reads, "Unveiling Anxiety and Panic Disorder: Shedding Light on the Numbers," with the SIA Blogs logo.

Unveiling Anxiety and Panic Disorder

In today's fast-paced world, it's not uncommon to experience occasional stress or worry. However, for millions of individuals ...
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A swirling hurricane is captured from above, showing the intense spiral of clouds in the storm's eye as it moves across the ocean. The caption reads, "Weathering the Storm," with the SIA Blogs logo.

Weathering the Storm

As hurricane season approaches, it's crucial to be proactive and prepared. The destructive force of hurricanes can wreak ...
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An elderly person gently holds a box of old black-and-white photographs, reminiscing over memories of the past. The caption reads, "Alzheimer's and Brain Awareness Month," with the SIA Blogs logo.

Alzheimer’s and Brain Awareness Month

June is Alzheimer's and Brain Awareness Month, a time to bring attention to the impact of Alzheimer's disease ...
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A person holds a paper coffee cup with a white lid, offering a calming and balanced visual of a daily caffeine habit. The caption reads, "Caffeine Withdrawal: Surviving the Jitters and Finding Balance," with the SIA Blogs logo.

Caffeine Withdrawal Surviving the Jitters and Finding Balance

Whether it’s your 5-dollar cup of motivation or from the pot in the office, coffee is the number ...
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A woman sits with her hands covering her face, expressing distress or overwhelm. She appears to be struggling with stress, highlighting the theme of Stress Awareness Month.

Stress Awareness Month

Whether you’re at home, the office, or at your kid’s soccer game— stressors exist everywhere, all of the ...
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A vibrant breakfast spread featuring bowls of oatmeal topped with fresh fruits, waffles drizzled with syrup, and a cup of coffee arranged on a white table. The caption reads, "National Nutrition Month," with the SIA Blogs logo.

National Nutrition Month

It’s no surprise that by March, the excitement and determination of your New Year’s Resolutions have subsided and ...
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Several hands gently hold a red heart-shaped object, symbolizing love and care. The image conveys a message of compassion, particularly in the context of American Heart Month.

Valentine’s Day AND American Heart Month? Not a Coincidence!

Valentine’s Day is around the corner, and while it seems nothing could be worse than not having a ...
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Mold is visibly growing in the corner of a room, accumulating along the ceiling and wall. The image highlights the importance of mold prevention and home maintenance.

Keeping Mold Out of Your Home

Molds are organisms that break down animal matter and dead plants. They need a moist environment to survive ...
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A joyful family gathers around a coffee table decorated with a jar of cookies, sharing smiles and laughter during the holiday season. The cozy living room features a Christmas tree adorned with ornaments, creating a warm and festive atmosphere. The caption reads, "Preventing Burnout This Holiday Season," along with the SIA Blogs logo.

Preventing Burnout This Holiday Season!

The holiday season, despite being “The Most Wonderful Time of the Year”, can arouse a lot of stress. ...
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A smiling woman stands in front of her shop, holding up a wooden "Open" sign with enthusiasm. Her cheerful expression reflects the excitement of welcoming customers, emphasizing the spirit of Small Business Saturday.

Support Small Businesses this weekend on Small Business Saturday!

Small Business Saturday falls perfectly at the peak of holiday shopping. The holiday season is the best time ...
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A dark, empty road at night is illuminated by a soft light, revealing several deer standing near the side of the road. The caption reads, "1 Million Collisions a Year Are Due to Deer!" along with the SIA Blogs logo.

1 Million Collisions a Year are Due to Deer!

Did you know, North Carolina is ranked fifth in the U.S. for vehicle collisions with animals? During the ...
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A young baseball player in a red jersey and gray pants is in the middle of swinging at a pitch on a baseball field. In the background, several teammates are seated and watching the game. The caption reads, "It’s Back to School, Not Back to the ER!" with the SIA Blogs logo.

It’s Back to School, NOT Back to the ER!

Ahhhh, Labor Day weekend marks the closing of another summer season. It’s officially the time of the year ...
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A man is speaking on the phone while standing next to a car involved in a minor accident, with visible damage on the front of the blue vehicle. In the background, a woman appears to be taking a photo of the scene with her phone. The caption reads, "Are Accidents Putting a Dent in Your Plans?" with the SIA Blogs logo.

Are Accidents Putting a Dent in your Plans?

It’s August, and you’re trying to get those last few beach trips and adventures in before summer comes ...
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A vibrant firework display lights up the night sky in red, blue, and gold hues, reflecting off a body of water. In the background, the Washington Monument is visible. The caption reads, "Booze & Fireworks, What Could Go Wrong?" with the SIA Blogs logo.

Booze & Fireworks, what could go wrong?

It’s a warm summer evening surrounded by loved ones stamped in red, white, and blue attire holding a ...
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A dimly lit room with a lamp on a nightstand, casting a soft glow. In the background, a person in dark clothing holding a flashlight appears to be sneaking through the room. The caption reads, "When the Temperatures Rise, So Do These Crime Rates," with the SIA Blogs logo.

When the temperatures rise, so do these crime rates

Is there a method to the madness? Summer months report a spike in property crime. According to a ...
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What could go wrong on a boat?

National Safe Boating Week is May 21 – 27, 2022 What better way to welcome the warmer seasons ...
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