Clarke & Sampson Blog

Keegan Wetzel

Recent Posts

Data Breaches - An Official D&O Concern

Posted by Keegan Wetzel

Jun 5, 2015 2:11:11 PM

A data breach can be a devastating event, affecting a company financially and damaging its reputation with customers, but the risk doesn't end there. As a director or officer at your company, you face litigation risks based on cyber security policies and management decision made after a data breach, as these are often considered board-level issues.    
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Is Your Deck Safe for the Summer Season?

Posted by Keegan Wetzel

Jun 1, 2015 11:29:42 AM

As the weather warms up, relaxing on an outdoor deck can be a great way to spend time with friends and family. However, the International Association of Certified Home Inspectors estimates that only 40 percent of the 45 million decks in North America are safe. Use these tips to inspect your deck and keep your friends and family safe.

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Spring/Summer Grilling Safety

Posted by Keegan Wetzel

May 6, 2015 12:01:00 PM

Grilling is a great way to make a delicious meal, especially as the weather starts to warm up. However, grilling carries a number of risks that you must be aware of to keep your outing safe and enjoyable. Keep these suggestions in mind the next time you fire up the grill with friends and family:

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Dog Bite Prevention: What You Need to Know

Posted by Keegan Wetzel

Apr 7, 2015 1:02:56 PM

According to the Centers for Disease Control and Prevention (CDC), 4.5 million people are bitten by dogs each year and about 885,000 of these injuries require medical attention. If fact, dog bites account for approximately one-third of all homeowner’s insurance liability claim dollars paid out each year.

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Controlling Premium Audits to Eliminate Overcharges

Posted by Keegan Wetzel

Feb 23, 2015 4:21:08 PM

Due to the volume of requests they receive, insurance companies have developed a very efficient premium audit process. While they strive to be as accurate as possible, they don’t have the time or resources to investigate and resolve every possible error or ambiguity that presents itself. As a result, your company may experience one or more unintentional overcharges. If you know the rules, you can take control of the process by anticipating and preparing the exact information your insurance company needs to prevent inadvertent overcharges, saving your company money in the process.

Creating an Accurate Premium Audit Package

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Follow These Tips to Keep Your Pipes From Freezing

Posted by Keegan Wetzel

Feb 19, 2015 12:27:55 PM

Frozen pipes greatly disrupt daily life and can be quite expensive to repair. Water expands as it freezes, and when this is combined with extreme pressure, it can cause pipes to burst. Generally, pipes that are exposed to outdoor temperatures freeze more readily, such as swimming pool lines and water sprinkler lines. Pipes that run along exterior walls in the home with minimal insulation also tend to freeze more easily. Continue reading for useful tips that will help you keep your pipes from freezing.

Before the Temperature Drops

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Why Every Business Owner Needs Cyber Liability Insurance

Posted by Keegan Wetzel

Feb 6, 2015 2:13:00 PM

Any business owner in today’s digital era is aware that technology can be our best friend or our worst enemy. Although using technology is necessary, it also makes business owners more susceptible to new hazards and security measures – the main threat being cyber liability. Particularly, if a business deals with any personal identification or financial information of clients, appropriate cyber security measures MUST be in place. That’s where we step in to help.

In recent months the awareness of cyber attacks has increased mainly due to large businesses like Target and J.P. Morgan being breached; putting millions of customers’ personal information at risk. A result of this awareness is that across the board, U.S. businesses spent approximately 67% more on cyber insurance premiums in 2014 than the previous year, according to Betterly Risk Consultants. Business owners seem to be understanding the importance of protecting themselves from cyber breaches.

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Ways to Protect Your Home While on Vacation

Posted by Keegan Wetzel

Feb 4, 2015 3:59:53 PM

If you’re planning a vacation for this spring or summer, especially an extended one, there are many preparations you need to make before you leave. You need to determine your transportation, lodging, budget and itinerary for your trip. In the hustle and bustle of getting ready, do not forget to prepare your home to remain safe and incident-free while you’re away.

Avoiding problems within the house:

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Flood Safety Series: Four Reasons You Need Flood Insurance

Posted by Keegan Wetzel

Jan 22, 2015 10:38:30 AM

Flooding is the most common natural disaster in the state of Virginia. It is strongly recommended that you obtain flood insurance for your property whether you’re located in a low/moderate risk or high risk area.

If your home is in a low flood hazard zone designated by FEMA and has little or no flood loss history, you could be eligible for a preferred risk policy. For higher flood risk areas, your policy rate is calculated on the flood zone, age and type of home, and the coverage that you choose, more often than not you are able to get the coverage you need from a standard flood insurance policy.

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Flood Safety Series: Protecting Your Property

Posted by Keegan Wetzel

Jan 21, 2015 10:28:05 AM

Be aware of your property being in or near a Special Flood Hazard Area (SFHA). The Federal Emergency Management Agency (FEMA) explains that SFHA zones are areas of land where there is a high risk for flooding. Fairfax County is one of these areas, but despite the flood risks they are largely beneficial to the local environment and wildlife.
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