Credit cards, EMV, and the 10/1/2015 “Liability Shift”

Increasingly, data breaches have been making headlines. An important shift in security – and liability – for credit card breaches is taking place this year in the US. Consumers and business owners who accept credit cards should familiarize themselves with these changes. The problems with magnetic stripes on credit cards To understand the security problems associated with traditional credit cards, one only needs to think of their own house key.…

Insuring older buildings (and newer ones)

Property Insurance and Building Codes Fire, lightning, windstorms, hail – it is easy to picture how these events can damage a building. Standard commercial property insurance policies will cover the damage from these sorts of losses. After the loss, the building reconstruction process can become complicated. Reconstruction can take longer than anticipated, and at times costs more than the original construction. Fortunately, the insurance industry has tools that can be…