Blog

Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.

Want to Promote the Health of Your Employees?

THU | JUN 17, 2021

There’s an app for that.

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Five Tax Tips for Small Businesses

MON | JUN 14, 2021

As a small business owner, you’re acutely aware of how taxes can eat into your profitability.

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Insurers In Washington State Can No Longer Use Your Credit Score to Calculate Your Premium

FRI | JUN 11, 2021

The insurance commissioner for the state of Washington has issued a rule banning the use of credit scores when computing someone's insurance premium.

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Simple Steps You Can Take in Your Home to be a Good Environmental Steward

WED | JUN 09, 2021

It doesn’t take an environmental science degree to help take care of the Earth.

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Getting Married?

MON | JUN 07, 2021

Here’s How It Could Affect Your Financial Planning.

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Safeguard your health from wildfire pollution this summer

THU | JUN 03, 2021

For many Washingtonians, air pollution from wildfires has only increased in the past few decades.

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It’s Time to Rethink the Power Strip

TUE | JUN 01, 2021

If there’s one thing we can all say about the modern office – we’re definitely plugged in.

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Protect Your Home from Mudflow, Flooding, Mudslides and More in the Rainy Pacific Northwest

FRI | MAY 28, 2021

A traditional homeowner’s insurance policy would likely not cover the tremendous damage caused by mudflows, flooding, landslides or mudslides.

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How to Support Your Teen's Mental Health in Washington State

WED | MAY 26, 2021

The most recent data from the statewide survey found that Washington teens rank low on their behavioral health when compared to teens in other states.

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Connected Cars

MON | MAY 24, 2021

What Are They and How Will They Affect Your Future

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How to Reduce Your Exposure to Toxins in Everyday Products

FRI | MAY 21, 2021

When we’re considering buying products like furniture or cleaning supplies, the first thing we’re probably thinking of is price or quality.

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How to Prevent Car Theft

WED | MAY 19, 2021

Count yourself lucky if you’ve never had the misfortune of having your vehicle stolen.

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Are you up-to-date on Washington’s latest driving laws?

WED | MAY 12, 2021

Whether you took driver’s education courses two years or two decades ago, it’s important to stay up-to-date with driving laws, as they can be as variable as speed limit signs on I-5.

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Rethinking the office: What your workplace could look like post-COVID-19

WED | MAY 12, 2021

For many people, the past year has been spent building makeshift home offices in bedroom closets, children’s toy rooms, or semi-clean corners of the family junk room.

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How to Keep Your Finances Healthy (even when times are tough)

FRI | APR 16, 2021

In the midst of a global pandemic, we expect to be concerned about our health, but perhaps not necessarily about our finances, too.

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How to Find Meaning, Connection, and Health in Retirement

THU | APR 15, 2021

For some people, the age of retirement is the long-awaited starting point of meaning, a moment when they can cease spending hours working for a company and instead start choosing to spend their days as they like.

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DIY Backyard Improvements that are Sustainable for the Planet and Your Home

TUE | APR 13, 2021

As the warmer months approach, we could all use a backyard summer project. Consider improvements that will both beautify your home and the planet.

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A Cleaning and Maintenance Checklist to Protect Your Home’s Longevity

MON | APR 12, 2021

After spending much of the past year at home during the pandemic, our living spaces could use a bit of care and upkeep.

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Is the Middle of a Pandemic the Time to Turn My Passion Project into a Business?

THU | APR 08, 2021

The past year has been tough on businesses, especially small ones with little financial leeway to stay afloat amidst a global economic crisis.

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5 Tips to Remember When Trading In Your Car

WED | APR 07, 2021

We all get that itch to drive a new or newer vehicle. But before you start looking, start your research.

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Why Washington State Residents Should Consider Earthquake Insurance for the Big One

FRI | APR 02, 2021

If you’ve lived in Washington state for very long, you’ve heard that we’re due for an eventful earthquake that could hit 9.0 on the Richter scale, severely impacting the Pacific Northwest in a way we haven’t seen in our lifetimes.

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Why Getting Boat Insurance is More Important During the Pandemic Than Ever

WED | MAR 31, 2021

During a global pandemic, there are few places to venture by land that can feel very safe. That’s why many people are heading to the waterways.

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Some of the More ‘Explosive’ Insurance Claims in Washington State (And a Reminder to Check Your Gas Lines)

MON | MAR 29, 2021

Action movie lovers can expect to see at least one epic explosion scene where the hero escapes the chaos within an inch of their lives.

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Preparing Your Home for All Four Seasons of the Pacific Northwest

WED | MAR 24, 2021

One of the best parts of living in the Pacific Northwest is getting to experience all four seasons without too much extreme weather.

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How to Stay Mentally and Physically Well — and Give Your Health Insurance a Boost at the Same Time

MON | MAR 22, 2021

There are so many things to take care of in one day, it can be easy to forget that your body should be at the top of the list.

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How Practicing Gratitude Can Make a Difference in Your Health

FRI | MAR 19, 2021

Feeling thankful in the midst of a pandemic may sound like a tall order. On a personal and global level, we’re all experiencing a significant amount of stress and fear.

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From Property to Pets, Here’s the History of Insurance in the United States

WED | MAR 17, 2021

We can thank Benjamin Franklin for a lot of good inventions in American history, from libraries to the lightning rod.

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Feeling lonely? Taking Time for Friends Will Have a Good Impact on Your Health (And Your Insurance)

MON | MAR 15, 2021

While the COVID-19 pandemic didn’t invent the concept of loneliness, it can certainly feel that way.

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Become a Safer Driver and Improve Your Car Insurance Rates

TUE | MAR 09, 2021

When insurance companies sign up new members, they’re not just adding new people to their rosters.

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A Home Inventory List

WED | MAR 03, 2021

The average person owns 300,000 items. Three. Hundred. Thousand. Items.

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Earthquakes: Be prepared, Be insured.

THU | FEB 25, 2021

According to usgs.gov, nearly half of the fifty states experience at least one earthquake annually.

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Why You Might Need Artisan Contractor Insurance

TUE | FEB 23, 2021

Construction jobs involve a variety of general and specialized skills, usually overseen by the general contractor.

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Snow, Ice and Roofs

FRI | FEB 19, 2021

That makes for a great song title, but snow’s not as much fun when it’s piling on top of your roof.

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FAQ: Insuring Business Vehicles

THU | FEB 18, 2021

If your company owns vehicles used in the regular course of doing business, you likely need Business Auto Policy (BAP) coverage.

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What Is an Annuity?

TUE | FEB 16, 2021

Consumers have more and more financial tools at their disposal to help them save for their future, but one of the least known is an annuity.

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Call before you dig … yes, you!

THU | FEB 11, 2021

We’ve all heard the refrain…Call before you dig. You might think this is for construction workers or excavators. But it applies to you, too, even if you want to plant flowers in your front yard.

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Insuring Your Small Manufacturing Business

TUE | FEB 09, 2021

As a manufacturer, your business faces unique risks, and you may need specific coverages to protect your business activities fully.

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10 Ways to Add Home Security Without Breaking the Bank

TUE | JAN 26, 2021

The afterglow of the new year is a great time to reevaluate the security of your home and those new presents from the holidays.

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Winter Prep and Driving Tips + 3 Ways to Save Money

MON | JAN 11, 2021

The best way to save money on car insurance is to drive safely.

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Ordinance Coverage

MON | DEC 28, 2020

Every municipality sets its own city ordinances, and those are updated over time as safer products or techniques become available.

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Do you need professional liability insurance?

MON | DEC 28, 2020

If you work in a career in which your professional knowledge and training dramatically impact the lives of others, and you could be sued if someone alleges you provided terrible advice, you might benefit from professional liability insurance.

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How to Protect Yourself from Employee Lawsuits

MON | DEC 21, 2020

Lawsuits brought against employers by current or past employees, and even prospective employees who feel they were unfairly denied employment, have been rising in recent years.

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How to Insure Your Home-based Business

SUN | DEC 20, 2020

More and more of us work remotely from our homes, many of us establish full or part-time businesses based in our homes, and others may work elsewhere but still maintain a home office dedicated to our work.

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How to Keep Your Workplace Safe During the Winter

THU | DEC 03, 2020

If you own a business, you’ll want to make sure you’re prepared to provide a safe and hazard-free workplace during the winter months.

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Winter Prep & Insurance

THU | NOV 26, 2020

Running through a winter preparation list now can help you protect yourself, your home, and your property.

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Six Tips for Being a Successful At-home Worker

TUE | NOV 24, 2020

Whether you’re taking advantage of your employer’s remote worker policy, or you’re an entrepreneur or freelancer establishing a home office, it’s important to establish habits early that can help ensure your success.

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A brief overview of Inland Marine Insurance

THU | NOV 05, 2020

Inland Marine Insurance applies to goods and property transported by land, an extension of ocean marine insurance, which protects property transported by water.

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Know Your Rights as a Tenant

TUE | NOV 03, 2020

If you rent property from a private individual or management company, you may think they have all the power as the property owner, but that’s not the case.

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The Original Insurance – Ocean Marine

MON | OCT 26, 2020

Did you know that the first known form of insurance was created to protect ocean vessels and their cargo.

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Employee Spotlight: Nate Hopper

WED | OCT 07, 2020

Nate Hopper has been working at Sea-Mountain since 2014. In honor of his upcoming wedding this month let’s take an opportunity to get to know Nate a little better!

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Celebrate the Positive

SUN | SEP 13, 2020

Today marks Positive Thinking Day.

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Developing a Storm Preparedness Plan for Your Boat: Tropical Storms and Hurricanes

SUN | AUG 23, 2020

We continue to monitor devastating natural disasters across our country. In the last week we have seen derechos, destructive wildfires and now two tropical storms on a collision course in the Gulf of Mexico. Planning for these disasters have never been more important.

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Service and Community Preserve Alaska Salmon Fisheries

THU | AUG 20, 2020

At Sea Mountain Insurance, we're privileged to know and serve commercial fishermen in Alaska and Washington by placing insurance on their vessels.

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8 Ways to Stay Connected with Friends & Family Today

WED | JUL 29, 2020

Some of the most important commodities on this planet are our health, love, & happiness.

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Your Water Safety Checklist

FRI | JUN 05, 2020

It’s a good time to review this water safety checklist and take action now to keep you and your loved ones safe this summer.

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Equine Insurance Claims: Fact or Fiction?

WED | MAY 27, 2020

We’re horse people too and understand what you are feeling when your horse is injured or sick. We are happy to assist you in filing a claim to ease the stress of the situation.

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Equine Care Custody Control Coverage

WED | MAY 20, 2020

Care, Custody & Control is a secondary type of liability insurance added to your policy that provides coverage for the loss of a horse that is in your care, custody or control, but not owned or leased by you.

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Holding an Equine Event or Clinic?

FRI | MAY 15, 2020

Events and clinics are a great way to build community and a fun way to educate yourself and others.

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10 Ways to Keep Your Family Safe Around Water

FRI | MAY 01, 2020

Whatever your water fun preference, make sure you and your loved ones don’t end up as a statistic by following these ten water safety rules.

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Top Reminders for Teen Drivers

WED | APR 15, 2020

If there's one thing that research points out, it's that teens are, literally, the worst drivers. According to the CDC, motor vehicle crashes are a leading cause of death for teenagers, and the risk of motor vehicle crashes is higher among teens aged 16-19 than among any other age group.

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Top 5 Tax Saving Tips for Small Businesses

WED | APR 01, 2020

If you're a small business owner, every dollar counts, and tax preparation is no exception. The good news is that there are many ways for small business owners to maximize credits and deductions, and to find help and resources for preparation. Here are our top five tips for a stress-free tax season.

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The Hidden Costs of Connected Cars

WED | MAR 25, 2020

You get rear-ended at an icy intersection or sideswiped in a parking lot: an inconvenient, but manageable problem. You alert your insurance and contact your mechanic to discuss repairs. But if your car is a recent model, what comes next might be more involved than you anticipated.

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Wedding Season Tips

WED | MAR 18, 2020

Getting married this summer? Read on for ways that marriage affects insurance and other financial considerations to handle before tying the knot.

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How to Handle a Flat Tire (Almost) Like a Pro

WED | FEB 19, 2020

If you don't have the resources to handle it, a flat tire can ruin your plans, and sometimes, your day. But, under the right circumstances, anyone can safely change a tire. Here's what you need to know to be ready for a flat, how to change it yourself, and when to call for help.

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At Home: Keeping Appliances in Check

WED | FEB 12, 2020

How do you keep your appliances running their best, and getting a good return for your investment by having them work for as many years as possible? Here are a few tips to improve the performance and longevity of appliances.

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Tips for Achieving and Maintaining Good Credit

WED | FEB 05, 2020

We all start the New Year vowing to do better, with our health, our relationships, and of course, our finances. But how do you even begin to make improvements if your financial situation is far less than ideal?

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Corporate Responsibility

WED | JAN 22, 2020

A corporation's responsibility is to its shareholders and bottom line.

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10 Tips for Driving in a Snowstorm

WED | JAN 15, 2020

Even if you're used to it, driving on ice and snow can be nerve-wracking even during clear skies.

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Which Policy is Best for Your Business

THU | JAN 02, 2020

Starting your own business is inherently risky.

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Tips for Outdoor Lighting

WED | DEC 25, 2019

You put so much into the interior of your home, and maybe even its landscaping and outdoor spaces.

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End of the Year Insurance Checklist

WED | DEC 18, 2019

As the end of the year approaches, it's a good time to take inventory, reflect on the past, and make plans for future goals.

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Insurance Policies for Home, Recreation, Travel & More

WED | DEC 11, 2019

We've all got plans for the holidays and winter season: trips to take, winter activities to try, and the everyday to-do lists that don't stop just because the cold weather has arrived.

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Top 10 Tips to Make Sure Your Car is Winter Ready

WED | NOV 27, 2019

Make sure your automobile is up to the challenge by getting it winter ready.

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Bon Appetit: Holiday Food Safety

WED | NOV 13, 2019

The holidays are a time for potlucks, office parties, and food-related gifts. But how can you be sure that mystery casserole, fruitcake gift basket, or shrimp cocktail are safe to eat?

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Business Owners Policy

WED | NOV 06, 2019

Running a small business in Washington can bring daily challenges, from minor equipment breakdowns to staff or customer injuries; or damage to your building caused by a storm or break in.

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Brits, Beans, and Boats: How Underwriting Was Born

FRI | NOV 01, 2019

Coffee really is a wonderful thing. It tastes and smells heavenly, especially first thing in the morning. It enlivens us when we're sluggish, and bolsters our courage when we're timid. It sharpens our minds and makes our tongues more articulate.

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Healthy, Wealthy and Wise: Maintaining a Healthy Workplace

FRI | NOV 01, 2019

Many of us spend more time at work than we do at home. That's why it's important to ensure your work environment is a healthy one in which you and your employees are protected from potential dangers and safe from exposure to harmful chemicals.

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Home Health: Tips for Making Your Shelter Healthy

FRI | NOV 01, 2019

It's the place where we seek rest and respite from the demands of the workday and the outside world. It's where we spend quality time with friends and family. It's where we cook, eat, sleep, shower, and sit by the fire. It's home, and it really is sweet.

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Wacky Insurance | Insurance You Never Knew You Needed

FRI | NOV 01, 2019

With your auto insurance, life insurance, home insurance, health insurance, and business insurance, you're probably pretty confident you've got all your bases covered. No matter what might happen, you have a policy in place to offset any of the misfortunes that could befall you or your property.

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A New Lease on Life: Life Insurance

FRI | NOV 01, 2019

Last month's New Year celebrations had good cause; we have a chance to be grateful for the years behind us as we look forward to the years ahead. Chances are, as we clinked champagne glasses with friends and family, the idea of not being around to celebrate with them next year never crossed our mind

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Insurance for the Age of Technology

FRI | NOV 01, 2019

Times have changed, and Washington insurance options have followed suit. Today, most of us rely heavily on technology to keep both our businesses and our personal lives running smoothly.

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Keep Warm Wisely: How to Safely Heat Your Washington Home

FRI | NOV 01, 2019

Is there anything quite so pleasant as coming home to a warm and cozy house on a cold winter's day? Home isn't just where the heart is; in the winter, it's also where the hearth is.

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Safety Checklist for Washington Households

FRI | NOV 01, 2019

When business trips, family vacations, fun weekend getaways, or even long workdays keep you away, it's important for Washington homeowners to know your home sweet home is safe in your absence.

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New Year, New Policy

FRI | NOV 01, 2019

The New Year is traditionally a time of renewal and revision. We stay up late on December 31 to drink champagne and kiss the one we love-all in celebration of the fact that we have been granted a fresh start.

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Winter Driving Emergency Supply Kits

FRI | NOV 01, 2019

Your stocking may be full this Christmas, but what about your emergency supply kit for winter driving? It, too, should be full of goodies: handy supplies and equipment to ensure you and your loved ones stay safe and warm in the event of a road-related emergency.

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Winter Driving Tips

FRI | NOV 01, 2019

Roads can be positively deadly in the wintertime. According to icyroadsafety.com, there were an average of 467 fatalities per year between 2008 and 2010 due to icy roads alone. And, even if you live in warmer climates, winter driving can be a wild and wooly experience regardless.

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Protecting Your Company's Assets: Enjoy Business Peace of Mind

FRI | NOV 01, 2019

You're probably accustomed to taking stock of the assets that lend spark to your personal life - jewelry, collectibles, and art, for example. But your business has assets, too. Have you taken the time to assess just what they may be, and obtain the coverage you need to ensure their protection?

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Not-So-Merry-Mishaps: Holiday Accidents

FRI | NOV 01, 2019

In Washington, the holidays are a special time of year for so many reasons. They may be spiritually significant, or bring us closer to our friends and families. They are a time of giving, gathering, and sharing good food.

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Are You Side Business Savvy?

FRI | NOV 01, 2019

According to a 2011 statistic from Iconoculture.com, 35 percent of workers under the age of 31 have started a side business to supplement their income. Millenials are multitalented, and may be more eager to use their varied skills in different capacities than previous generations.

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Securing the Right Password

FRI | NOV 01, 2019

Most of us in Washington use dozens of websites that require a username and password. Trying to remember your username is hard enough, but trying to remember an assortment of passwords can seem virtually impossible.

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Protecting Your Business from Employee Lawsuits

FRI | NOV 01, 2019

Even Washington businesses with the most effective Human Resources Departments and the happiest of employees are vulnerable to lawsuits. Unforeseen situations can quickly escalate, positive working relationships can turn sour, and employees can become litigious, sometimes without a valid reason.

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Cozy and Safe: A Winterized Home

FRI | NOV 01, 2019

Before winter strikes in Washington, most of us tuck away our summer clothes and bring out the sweaters, coats, and scarves that will keep our bodies cozy when there's a chill in the air.

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Creating Your Own Emergency Supply Kit

FRI | NOV 01, 2019

As youngsters, the more serious-minded among us were vigilant about making the Scout motto "Be Prepared" a reality. Now with the latest round of earthquakes and hurricanes, the old adage is more relevant than ever.

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National Preparedness Month

FRI | NOV 01, 2019

September is here, and you know what that means. It marks the end of summer and the beginning of school and falling leaves. What you probably didn't know is that September also stands for National Preparedness Month (NPM).

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Back to School Insurance Basics

FRI | NOV 01, 2019

For those with kids, back to school time is here. At this point, the back to school shopping is done, and now it's back to new homerooms, homework, sports, extracurricular activities, school plays, and the list goes on.

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Thunderstorm Safety Tips

FRI | NOV 01, 2019

The heat and humidity that tend to lurk around in the summer months around Washington create the perfect recipe for thunderstorms. Occurring either late in the afternoon after big black clouds slowly build up and rumble or springing up out of nowhere.

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Summer and Fall Grill Safety

FRI | NOV 01, 2019

Has this ever happened to you? You turn on the gas to your grill, try to light it and nothing happens. A few seconds pass, you keep hitting the ignite switch and finally it lights with force, due to all of the gas that's been slowly leaking out.

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Outdoor Work Safety, The Biggest On-Site Risks

FRI | NOV 01, 2019

Reality television has a way of glamorizing good, old fashioned outdoor work, with shows like "Extreme Loggers," "Deadliest Catch" and "Dirty Jobs."

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Immunization Awareness Month

FRI | NOV 01, 2019

August marks the beginning of back to school shopping and the last full month of summer. And with fall peeking its head over the horizon, bringing with it the start of cold and flu season, it makes sense that August also marks National Immunization Awareness Month.

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Does a flood insurance policy cover property damage from a Tsunami trigger

FRI | NOV 01, 2019

Does a flood insurance policy cover property damage from a Tsunami triggered by an earthquake?

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Tips You Can Use: Higher Deductibles - Are They Worth It?

FRI | NOV 01, 2019

In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.

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Potential Coverage Gap from Domestic Employees' Owned Autos

FRI | NOV 01, 2019

If you have a domestic employee, such as a gardener, housekeeper, or nanny, who drives his or her own auto while working for you, there is a potential for you to incur liability arising from their driving that would not be adequately insured.

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Want to Maximize Your Insurance Dollars?

FRI | NOV 01, 2019

Want to Maximize Your Insurance Dollars? Make 'Conduct a Home Inventory' One of Your New Year's Resolutions

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Celebrate the Season of Light Safely

FRI | NOV 01, 2019

I.I.I. Offers Holiday Safety Tips

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Environmental Liability and Your Business

FRI | NOV 01, 2019

What do real estate firms, golf courses, law offices, banks, farm owners, contractors, dry cleaners and gas stations have in common?

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Insurance for Business Offices

FRI | NOV 01, 2019

An office is the primary or only premises for numerous types of small businesses, including, for example, employment, travel, collection, insurance, advertising, and other agencies.

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Insurance for Construction Contractors

FRI | NOV 01, 2019

Construction businesses need the same kind of insurance as other businesses, but special situation unique to the building trades mean you often need supplemental insurance.

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What is in a standard homeowners insurance policy?

FRI | NOV 01, 2019

A standard homeowners insurance policy includes four essential types of coverage. They include:

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Directors and Officers Insurance

FRI | NOV 01, 2019

Most business insurance policies are designed to protect the assets and earning of the business entity.

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Insurance for Non-Profit Organizations

FRI | NOV 01, 2019

Like a business or a homeowner, a nonprofit organization needs to protect its property from loss from a fire, by theft and from many other hazards.

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Insurance for Small Manufacturers

FRI | NOV 01, 2019

Although the range of different product manufacturers produces is huge, with only a few exceptions the risk exposures differ more in degree than in kind.

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The Weather is Changing, and so is the Time: Safety Tips for October

FRI | NOV 01, 2019

As winter starts to set in most of us will be spending more time indoors. Now is a good time to review this checklist for safety, comfort, and savings. Around your home...

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What to do after a car accident

FRI | NOV 01, 2019

See Also: Insurance Company Claim Phone Numbers and Website

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What you need to do after a homeowner loss

FRI | NOV 01, 2019

See Also: Insurance Company Claim Phone Numbers and Website

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Internet Business (and Insurance)

FRI | NOV 01, 2019

If your business promotes or markets its products or services over the Internet, there are unique property and liability risks.

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Avoid Phone Conversations and Texting Behind the Wheel

FRI | NOV 01, 2019

According to the National Highway Traffic Safety Administration, driver distractions are a contributing cause in approximately 25 percent of all motor vehicle crashes or about 1.2 million accidents.

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Defuse Those Electrical Fires

FRI | NOV 01, 2019

Defective electrical wiring systems cause approximately 40,000 residential fires annually, according to a United States Consumer Product Safety Commission (CPSC) study.

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Are there any disasters my property insurance won't cover

FRI | NOV 01, 2019

Yes. Floods, earthquakes and acts of terrorism are generally not covered

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Life Insurance for Key Employees

FRI | NOV 01, 2019

Who Is a Key Employee?

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What should I know about Risk Management?

FRI | NOV 01, 2019

What is risk management?

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Do "Empty Nesters" Need Life Insurance?

FRI | NOV 01, 2019

Quite possibly. Here are 10 reasons to own life insurance after your kids have left home:

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How do I pick a Health Plan?

FRI | NOV 01, 2019

If your employer gives you a choice of plans or you need to purchase your own coverage, it is crucial that you understand your health insurance choices and pick the insurance that is best for you and your family.

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What are the types of term insurance policies?

FRI | NOV 01, 2019

Term insurance comes in two basic varieties-level term and decreasing term. These days, almost everyone buys level term insurance.

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How should I choose what type of life insurance to buy?

FRI | NOV 01, 2019

You should consider term life insurance if:

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How should I organize and store my life insurance records?

FRI | NOV 01, 2019

The last thing you want to happen after you die is for your beneficiaries to be unable to locate and submit a claim on your life insurance.

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Water Back Up: Prevention and Protection

FRI | NOV 01, 2019

There are a number of preventative measures you can take to avoid water back up damage and minimize the amount of damage should it occur.

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Understanding the Need for Long Term Care Insurance

FRI | NOV 01, 2019

Long Term Care Insurance (LTC) is designed to reimburse you for expenses for everyday living assistance, should something happen to you.

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Protecting Your Family From Carbon Monoxide Poisoning

FRI | NOV 01, 2019

According to the U.S. Consumer Product Safety Commission, over 200 people in the United States die annually from carbon monoxide poisoning, usually due to faulty gas appliances.

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Does Your Business Need Business Interruption Insurance?

FRI | NOV 01, 2019

Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.

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Disability Insurance Basics

FRI | NOV 01, 2019

Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness.

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Employment Practices, Risk and Management

FRI | NOV 01, 2019

A survey of 422 businesses in May and June of 2006* indicated that, for 89% of the participants, at least one new law suit was filed in the prior year.

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Business Emergency Planning

FRI | NOV 01, 2019

Twenty five percent of the businesses forced to close due to a disaster or emergency never reopen.

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Home Business Insurance Basics

FRI | NOV 01, 2019

What is a small business? Small is a subjective word, meaning different things to different people.

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Winter Homeowner Safety

WED | OCT 30, 2019

For those who live in snowy climates, winter is on the way. Take advantage of those sunny fall days to prepare your home and yard for frigid temperatures and icy conditions before the snow flies.

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Car Recalls: Everything You Need to Know

WED | OCT 16, 2019

Every week there's a new recall in the news, and it seems that no auto retailer has gone unpunished for some minor or major manufacturing defect that has put its customers at risk.

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Fall ATV Safety

WED | OCT 09, 2019

All Terrain Vehicles, or ATVs, can provide hours of thrilling fall fun. But they can also be extremely dangerous.

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The Hows and Whys of Business Plans: Save Yourself Time and Energy

WED | SEP 25, 2019

If you're thinking of starting a business, writing a business plan may seem overwhelming, unnecessary, or both. Maybe you're going into an industry you already know extremely well; or maybe you simply feel confident that you know where you want to go and can articulate it to others.

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Top Ten Tips for Storing and Insuring your Stuff

WED | SEP 18, 2019

Americans love their stuff. And most of us have things in storage somewhere: the garage, attic, basement, or a storage unit off site. But what's the point of having all these things if they never get used, looked at, or if you can't even remember you have something you need when

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Safety tips for trampolines and other high-risk backyard fun

WED | SEP 04, 2019

Trampolines, swingsets and other backyard play equipment can be scream-your-head-off fun, but also incredibly dangerous. Here are some things you should know, and steps you can take to make your backyard a haven for safe play:

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How do You Insure a Restaurant or Food Service Business

WED | AUG 28, 2019

Opening a restaurant is a lifelong dream for some small business owners. And as with starting any business, it takes a lot of guts, not to mention blood, sweat, and tears, just to get it up and running.

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Insurance Coverage for Outbuildings

WED | AUG 21, 2019

There are many reasons you might have additional buildings or structures on your property. Often, these buildings will be covered by your homeowner's insurance. Here's everything you need to know about insuring other structures on your property.

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Insurance for Seasonal Homes

WED | AUG 07, 2019

Having a seasonal home in your favorite vacation spot is part of the American dream for many families. A seasonal home requires maintenance and protection, which is difficult to do when you're not there most of the time. Here's what you should consider when purchasing and insuring your seasonal home

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Car Tire Safety

WED | JUL 31, 2019

Good tires are essential for safe driving and a smooth ride. Regular tire maintenance is relatively simple and inexpensive, and can greatly extend the life of your tires. Here are the basic things you need to know to maintain your current tires or to purchase new ones.

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Motorcycle Insurance & Safety

WED | JUL 24, 2019

Although motorcycle enthusiasts in certain areas of the country are able to ride year round, spring and summer is when most bike owners are finally able to get out there on the open road. Before you take that first ride, make sure that your bike is up to the task and ready to go.

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What to know about having a board of directors for your business

WED | JUL 10, 2019

When a private company becomes a corporation, it's required by law that the company assemble a board of directors. Here's what you need to know if you are a business owner or nonprofit director who wants to put together a top-notch board of directors.

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Wearing a Helmet

WED | JUL 03, 2019

Whether you're on a bike, motorcycle, or an all-terrain-vehicle (ATV), you should always wear a helmet. Although many states have helmet laws, they can vary quite a bit. So why should you wear a helmet, even if it's not the law?

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Pool Safety: Taking Care of Your Pool

WED | JUN 19, 2019

Owning a pool takes some time and energy, but keeping it clean ensures the safety of your guests and the longevity of your investment. Follow these tips for regular upkeep so you can spend more time enjoying your pool than you do maintaining it:

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Tree Care for Homeowners

WED | JUN 12, 2019

Trees add a lot to a community and neighborhood in Washington, and they even enhance the value of the properties they inhabit. Here are some ways to maintain trees on your property.

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Boating Safety Checklist

WED | JUN 05, 2019

For boating enthusiasts, being out on the water is the best part of summer--but only if nothing goes wrong. The U.S. Coast Guard and the National Safety Council offer many ways that recreational boaters can stay safe on the water and minimize the risk of injury.

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UTV and ATV Insurance

WED | MAY 01, 2019

It can be a thrilling experience to get out and experience nature in an off-road vehicle. If you're the owner of an ATV or UTV, it's important to be sure you're properly covered to protect yourself, others and your vehicle from loss or damage.

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Types of Business Risks

WED | APR 10, 2019

If you're a business owner, you need insurance. Here are some risks and coverages you will want to take into account as you work with Sea Mountain Insurance to find the right plan for you.

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Lessons from Tech World Culture

WED | MAR 27, 2019

Companies like Facebook, Google, and Amazon have set up alternative work cultures, with food and exercise on site. So what can small businesses learn from these uber-successful tech giants? And how can they implement similar ideas without breaking the bank?

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The Effects of Stress

WED | MAR 20, 2019

Everyone experiences stress and not all of it is bad. But when stress levels stay high or become chronic, they can cause a huge variety of health issues or make existing health problems worse. Overproduction of stress hormones can damage the brain, heart, and other organs.

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Home Sales: Quick fixes for a quick turnaround

WED | MAR 13, 2019

Selling your home this summer? If so, there are some quick cosmetic fixes that can make a big difference, and starting now can help. There are several things you can do to make your home more attractive to buyers that won't require a ton of time and money just a little of each.

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Top 10 Most Expensive Cars to Insure

WED | MAR 06, 2019

Spring is fast approaching and for some drivers that means it's time to shop for a new car. The following cars are rated as the top ten most expensive cars to insure. However, at the end of the day, several factors affect your car insurance premium, not just the price tag on your dream vehicle.

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Finding the Work/Life Balance

WED | FEB 27, 2019

Balance... that thing you swing past on the way from one extreme to the other. But doing that as a rule can make you irritable, lead to burnout, and in some cases, ruin relationships. Here's how to inch a little closer to balance if your life has gotten out of whack.

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Can A Home Renovation Affect My Insurance

WED | FEB 20, 2019

You've decided to remodel your home. Any change to the structure or use of the property will, more often than not, change your policy. However, you'll never know until you contact your insurance company, which you should do before any type of home renovation.

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Check your Blood Pressure Month

WED | FEB 13, 2019

February is American Heart Month, and even if you don't have heart disease, it's time to learn whether you're at risk, and what you can do about it. High blood pressure is a leading cause of death in Americans and one of the most important things to address for a healthy heart.

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Launching a Business: How do you know you're ready?

WED | FEB 06, 2019

It seems like a lot of people have a side hustle these days, a way to make some extra money or pursue the things that really strike their interests. And plenty of people have turned even their most unusual hobbies, dreams and ideas into full-time careers.

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Protecting Your Privacy in the New Year

WED | JAN 23, 2019

It seems like every week there was a new headline about some serious privacy breach, intentional or otherwise, occurring at a major organization. Here are a few important takeaways from the year in digital privacy, and a few things you can do to make your information safer.

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Things That (Most Likely) Need to be Replaced in the New Year

WED | JAN 16, 2019

Let's face it, most of us probably don't think much about replacing everyday household items, the ones we hang onto for months or even years. But hiding in our house are many tools and products that should be refreshed on a regular basis to prevent illness and disease.

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January is National Winter Sports TBI Awareness Month

WED | JAN 09, 2019

Many popular winter sports such as skiing, snowboarding, snowmobiling, and even sledding can be high risk. Keep reading to find out the real risk and how can you protect yourself and your loved ones from sports injuries this winter.

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How to Survive Working from Home

WED | JAN 02, 2019

For many modern entrepreneurs, creatives, and freelancers, working from home is a dream come true. But the reality of it can be much different. How do you stay on task, handle isolation, and keep yourself from eating a full sleeve of cookies from the kitchen? Read on to find out.

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A Guide to the Ultimate Ski Trip

WED | DEC 26, 2018

Whether you're an advanced skier or just starting out, a ski vacation can be a wonderful way to relax, have fun, and spend hard-earned time off with family and friends. Getting all the details right might seem overwhelming, but it doesn't have to be.

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Holiday Toy Safety

WED | DEC 19, 2018

There's nothing more magical than seeing a child's eyes light up upon opening a special gift during the holidays. Here is what you need to know to choose safe and healthy toys for your kids.

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Six Steps to Taming Your Cold or Flu

WED | DEC 12, 2018

Cold and flu season in Washington is officially here. Perhaps, as recommended by health departments nationwide, you got a flu shot, and maybe you'll get lucky and avoid getting sick. But if you do catch what's going around, here are six ways to minimize your pain and suffering.

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Prepping for Winter Business Safety

WED | DEC 05, 2018

Owning a business means that you're responsible and often liable for the welfare of your staff and clients. Winter can bring extra hazards and increase the possibility of accidents and injury.

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Winter Home Preparation

WED | NOV 28, 2018

As winter approaches, rain, snow, ice, sudden storms, and severe temperatures are on the way in many parts of the U.S. Here are some important steps to take in the coming weeks:

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Holiday Season Travel Tips

WED | NOV 21, 2018

It's exciting to pack up the whole family and make a journey to see close friends, visit a magical (or just warm) location, or spend time with extended family over the holidays. Here are some tips for making your holiday travel time more relaxed and enjoyable.

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National Healthy Skin Month

WED | NOV 14, 2018

How much do you know about your skin or skin overall, for that matter? November is National Healthy Skin Month, and a good time to set aside all the latest skincare fads and get some real information about your skin, what it does, and what truly is the best way to take care of it

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Clients are Everything: Ways to Create Loyalty

WED | NOV 07, 2018

In today's information economy, it's easier than ever for potential customers to get what used to be considered inside information on companies' business practices, products, and, maybe most importantly, how they treat their clients.

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How to Survive a Home Remodel

WED | OCT 24, 2018

Home remodels can test relationships, strain carefully-considered budgets, and push even the most level-headed homeowners to the breaking point. But it doesn't have to be that way. Here are some ways to get through the process without losing your mind:

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Packing up for summer: How to wrap up the season

WED | OCT 17, 2018

Summer in Washington is officially over. And it may seem tempting to just throw everything in the garage or moving furnitureoutmoving furnaturecloset and be done with it until the warmer season rolls around again.

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Top 7 Sensational Destination for Fall Travel

WED | OCT 10, 2018

The weather has cooled in Washington, the leaves are falling, and summer tourists have headed home. Even though it's back-to-school time, fall is truly one of the best times to embark on a casual road trip, plan a weekend getaway, or take a family vacation.

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Quick Checklist for Preparing Your Car, RV or Boat for Winter

WED | OCT 03, 2018

Winter hasn't raised its icy head yet, but the calendar never lies and we're inching closer to those shorter days and cooler nights. Now is the time to get ready, starting with how you get around, namely, your car, boat and RV.

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Back to School Health Tips for Kids & Parents

WED | SEP 19, 2018

After a long summer, most parents and (some) kids alike are ready to go back to school. But going back to school also means sending your kids into a sea of germs, and increasing their likelihood of getting sick.

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September is Healthy Aging Month

WED | SEP 12, 2018

What does it mean to age in a healthful way? Although it's different for each person, healthy aging is about maintaining a high quality of life at every stage, and cultivating habits that allow you to continue to enjoy your life and do the things you love to do.

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Back-to-School Basics for College: How to Prepare

WED | SEP 05, 2018

Fall in Washington is fast approaching, and back-to-school sales are already underway, everywhere you look. If you're sending your teenager to college for his or her first year, you're going to need much more than just notebooks and pencils.

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Creating a Vision Board for your Business

WED | AUG 22, 2018

If you're a modern business owner in Washington, chances are you have spent time developing a mission and vision for your business, and you have a detailed strategic plan for making those things happen.

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Tips for Creating Great Outdoor Living Spaces

WED | AUG 15, 2018

It's summertime, and many of us long to spend more time outside. Creating an outdoor living space can make it easier to take advantage of wonderful weather, and bring some simple joy and serenity to daily living.

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Eat your Fruits and Veggies

WED | AUG 08, 2018

Farmers Market season in Washington is here, and with it a window of opportunity to get the freshest, tastiest produce of the entire year. Here's how to take advantage of this golden opportunity to improve your health, support your neighbors, and expand your culinary horizons:

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Navigating Vacation Policies for Small Business Owners

WED | JUL 25, 2018

Everyone looks forward to summer vacations except, perhaps, business owners and managers. Here are a few things to consider when creating and implementing a vacation policy so that it works for, not against, your business.

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Sunscreen Essentials for 2018

WED | JUL 18, 2018

We all know we're supposed to wear sunscreen, but with hundreds of options on the shelves every summer, many of us end up choosing the wrong one. Here's what you need to know about how to choose the right sunscreen, and why.

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Tips for a Safe and Sensational Barbecue

WED | JUL 11, 2018

Outdoor grilling season in Washington is here, a time to relax on the deck and enjoy some ribs or a juicy burger cooked to perfection on the grill. Make sure your outdoor entertaining goes according to plan by following these grilling safety tips.

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Your Next Great American Vacation

WED | JUL 04, 2018

Summer is here and families of all shapes and sizes are looking for affordable ways to relax, learn, adventure and enjoy the season with their loved ones. Here are our top five suggestions for a fun, flexible, family-friendly getaways.

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Five Steps to Enjoying the Outdoors (Forest Bathing) Anywhere

WED | JUN 27, 2018

Summer is the time when the outdoors beckon. Research shows that spending time in nature can positively impact mental health, stress levels, blood pressure, cholesterol and many other conditions.

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A Guide to Summer Camp Preparedness

WED | JUN 20, 2018

Camp, whether it's a day camp or sleep-away camp may offer parents a much needed break from kid-wrangling over the summer. Camp usually also becomes a wonderful experience for kids, too; but getting through that first day drop off can be challenging for both kids and parents.

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Concerns About Teen Vaping

WED | JUN 06, 2018

We have all heard about the sharp increase in e-cigarette use, aka "vaping," among young people. If you are a parent or educator of teens, you're probably more familiar than most. So why are e-cigarettes suddenly so common on middle and high school campuses?

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Swimming Pool Season

WED | MAY 16, 2018

You're thinking of buying a pool and imagining those lazy, hot summer days when you'll get to slip into the cool water, sunbathe, play with the kids, and invite friends and neighbors to share in your good fortune. Here are a few things to consider before you "dive in."

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Charitable Giving: A Win-Win for your Business

WED | MAY 09, 2018

For a business owner who's trying to grow a profit, donating money or employee time to charity may seem counterintuitive. Thinking about how your company can start to give back? Here's how to get started, and why:

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Seeing is Believing: May is Healthy Vision Month

WED | MAY 02, 2018

Many sighted Americans, even those who wear corrective lenses, take their vision and eye health for granted.

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Tips for Planning a Successful Summer for Kids

WED | MAY 02, 2018

Think back to your best childhood summer. Was it action packed, or full of lazy days? Did you spend time with family, visit your grandma down South, or just run around the neighborhood with friends? Follow these guidelines to plan a summer your kids will remember forever

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Healthy Eating: The Dirty Dozen and the Clean 15

WED | APR 25, 2018

We all want to feed ourselves and our families fresh, healthy food, and summertime is when produce is the freshest. Here's how to make sure you're eating the healthiest produce around, no matter what your budget.

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How to Choose the Right Doctor

WED | APR 18, 2018

A great doctor can make all the difference in your quality of life, and can even have serious consequences for your health. Here's how to begin your search for a top-notch medical professional that you can trust.

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How to be Road-Trip Ready

WED | APR 04, 2018

Spring is here, and summer is close behind. Time to start daydreaming about driving off into the sunset...

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Your Yard & Garden Spring To-Do List

WED | MAR 28, 2018

Whether you're planning to grow a host of fresh flowers and vegetables, or just want to maintain a beautiful yard and landscape, get a head start on your summer gardening with these important spring preparations:

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Annual Employee Reviews

WED | MAR 21, 2018

Annual performance reviews can be excruciating, productive, or somewhere in between. So what makes the difference? What makes an annual review effective, and how can both employers and employees can prepare to get the best possible outcome?

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Kids & Concussion-Prone Sports

WED | MAR 14, 2018

Whether you're planning to grow a host of fresh flowers and vegetables, or just want to maintain a beautiful yard and landscape, get a head start on your summer gardening with these important spring preparations:

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Car Talk: How to Best Maintain your Vehicle

WED | FEB 28, 2018

Keeping up on your automobile's maintenance may seem complicated, but it doesn't have to be. Learning a few basics and getting on a regular schedule will go a long way towards keeping your car in tip-top shape, and making sure you're not blindsided by major, expensive repairs.

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Traits of a Successful Manager

WED | FEB 21, 2018

It's a big step for a small business owner to hire a manager, to hand over and trust certain tasks to someone else. In doing so, it's important, even in bigger corporations, to look for those with certain traits and talents.

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Teen Dating & Relationships

WED | FEB 14, 2018

Do you have teenagers who are starting to date? What are some steps you can take to educate them on dating safely? What kinds of rules should you set as a parent? These are common questions that parents have as their kids start to evolve into adults.

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Winter Sports Safety

WED | JAN 24, 2018

Winter sports are all about making the most of the frigid temperatures. Here's how to stay safe and get the most out of your favorite winter sports from skiing and snowboarding to ice skating, hockey, sledding and snowshoeing.

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6 Health, Food & Fitness Trends for 2018

WED | JAN 17, 2018

2017 was the year of bulletproof coffee, health tracking apps and devices, probiotics, mindfulness, etc. So what wild, innovative, strange, and fun things will we be doing, buying and consuming to stay fit, strong, and healthy in 2018?

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National Radon Actions Month

WED | JAN 10, 2018

Did you know that your home could be harboring toxic levels of radiation in the form of Radon gas? It's a time to get your home tested and to encourage those around you to do the same, in an effort to reduce the thousands of preventable deaths caused by Radon each year.

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Internships 101 for the Small Business Owner

WED | JAN 03, 2018

Free labor from a young, enthusiastic person who's truly interested in your company and profession: sounds wonderful, right? And under the right circumstances, it can be. If you're considering hiring an intern, here are the most important questions you should ask.

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Protecting Your Hearing in a Digital World

THU | DEC 28, 2017

Most of the modern world is plugged in these days to smartphones, iPads and laptops, among other things. And many of us complete the loop by coaxing earbuds into our ears, turning up the sound to shut the world out, even just for a minute.

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Top 10 Health & Happiness Apps for Your New Year

WED | DEC 27, 2017

A brand new year is on its way and, with it, a chance to make a fresh start. Let your smartphone be your guide as you tackle everything from weight loss to meditation to straight up happiness. Here are the top 10 apps that just may help coax you towards your best year ever.

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Tips for a Hassle-Free Move

WED | DEC 20, 2017

Moving can be stressful, it's like uprooting your life and all of your belongings, and settling back in. But it doesn't always have to be overwhelming. Here's how to make sure you're covered, insurance-wise, plus tips on hiring a mover and making your big day hassle-free.

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Gifting Money

WED | DEC 06, 2017

A thoughtful gift to loved ones may be a sum of money, something that allows them to buy what they need instead of torturing them with a new sweater. And for large sums, there can be tax repercussions. So is it a good idea to give money as a gift?

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The Small Business Owners' Holiday Survival Guide

WED | NOV 22, 2017

Some small business owners in Washington can hardly keep pace with the holiday rush; other businesses slow down to a near crawl during this time of the year. So how do you make the most of the season, regardless of which end of the spectrum you're on?

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Food Allergy Awareness

WED | NOV 15, 2017

Hosting a family dinner this holiday? There's a very good chance that a guest at your table will be allergic to something you're thinking of serving. Here's what you need to know about food allergies and how to be hospitable, no matter who you're hosting.

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November is National Sleep Comfort Month

WED | NOV 08, 2017

The CDC recommends a minimum of 7 hours, even for adults. Children and teens need even more, so if you're a parent, be sure to help your child get to bed at a reasonable hour each night.

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The Season of Giving: Protecting Your Assets

WED | NOV 01, 2017

It's that time of year again, the time of giving and receiving. We show love and appreciation for the people in our lives by presenting them with tokens of affection, usually in the form of presents. Likewise, we receive gifts.

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Spooky Season: Halloween Safety Tips

WED | OCT 25, 2017

On Halloween, an evening when millions of Americans wear costumes, run around in the dark, willingly take candy from strangers and try to scare themselves silly, well, a lot can go wrong. Here are some not-so-spooky suggestions to keep you and your kids safe this Halloween.

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Fall Proofing: Preventing Falls Inside and Outside of the Home

WED | OCT 18, 2017

According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems and decreased quality of life.

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Domestic Violence Awareness Month

WED | OCT 11, 2017

Domestic violence affects men, women, families and communities, and its impacts are far-reaching. October is Domestic Violence Awareness Month, offering a good time to bring this serious issue to light.

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When to Outsource

WED | OCT 04, 2017

Many companies are saving money by outsourcing instead of hiring in-house positions. How does outsourcing work and when does it make sense?

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Preventing Assignment of Benefits Fraud for Home and Business

WED | SEP 27, 2017

Your home or business is damaged. Your first priority is to get it fixed right away, so you call a contractor to assess the situation and give you an estimate on the repair cost. It makes sense: the insurance company will want one anyway, right?

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Safety for Student Drivers

WED | SEP 13, 2017

Ah, freedom... if learning to drive is on the horizon for your teenager, he or she is probably thrilled about the prospect of getting to travel outside the confines of your schedule and neighborhood.

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Theft Prevention Technology

WED | SEP 06, 2017

Smart home technology is quickly becoming commonplace in Washington, and also affordable to the average consumer. The increased quality and availability of high-tech security devices means that anyone can safeguard their property and belongings.

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Preventing Heat-Related Illnesses

WED | AUG 23, 2017

Extreme heat can be fatal. As unusually high temperatures become more common, it's important to be aware of the symptoms of heat-related illness, and how to prevent them from happening.

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Top 10 Back to School Tips

WED | AUG 16, 2017

The school year is fast approaching in Washington. Whether your child is elementary, middle, or high school age, the first weeks of school can be stressful. But there are things you can do to make the transition from easy summer days to academics and structured activity painless.

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Making the Most of Summer Harvest

WED | AUG 09, 2017

It's always harvest season somewhere, which means that nowadays it's possible to get many fruits and vegetables year-round. But that doesn't mean you should. Summer is still a special time for high quality, locally-grown fruits, veggies, meats and dairy products.

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The Opioid Crisis: What You Need to Know

WED | AUG 02, 2017

Even under the care of a medical professional, opioid use can lead to dependence and addiction, causing the user to seek more drugs by any means necessary, despite negative consequences.

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Have Work, Will Travel

WED | JUL 26, 2017

Do you have employees who travel for work, or do you travel for work often? If so, you may know the ins-and-outs. Here are some considerations for business travel that you can pass along to those employees who hit the road regularly.

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Summer Motorsports Safety

WED | JUL 19, 2017

ATVs and dirt bikes can be deadly if not used properly. According to the Consumer Product Safety Commission, about 97,200 ATV-related injuries occurred in 2015; approximately 28 percent of those involved children under the age of 16.

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Smartphone Apps Designed to Make the Most of your Summer

WED | JUL 12, 2017

There's an app for everything these days, but not all of them are worth downloading. Here are a few user favorites worthy of space on your device, that will help you to make the most of your summer plans.

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The Countdown to College

WED | JUL 05, 2017

It's only July. But for those in Washington that have a child heading to college in the fall, you may be a little or a lot concerned already, depending on their maturity level and how far away he or she will be when September comes around.

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Ready to Buy that Summer Boat

WED | JUN 28, 2017

Buying a boat can be a wonderful investment that brings many joyful moments to those warm summer days. But how much you pay for a boat is really just the beginning?

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Hiring for the Summer

WED | JUN 21, 2017

It's that time of year when high school and college students are out of school, and many are looking for summer work. It's also the time when some seasonal businesses pick up, and many depend on solid summer help. Hiring seasonal workers?

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Alzheimer's Awareness Month

WED | JUN 14, 2017

Written about frequently in medical journals, Alzheimer's disease is one that's been widely studied, but is still an anomaly to many scientists. Since June is Alzheimer's Awareness Month, it's a good time to look at what we do know, along with things one can do to prevent it.

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Jobs of the Future: How the Job Market is Evolving

WED | JUN 07, 2017

Have you ever thought about how many industries are dying, or at least cutting jobs, due to automation? According to the World Economic Forum, we're in the midst of a "Fourth Industrial Revolution."

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Should your Child get a Summer job?

WED | MAY 24, 2017

When he was 12-years-old, Steve Jobs looked up Bill Hewlett's, co-founder of The Hewlett-Packard Company (HP), phone number and asked for help building a frequency counter. Not only did the CEO of HP agree to help Jobs; he offered the aspiring developer a summer job.

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Springtime is Allergy Time: How to Treat and Prevent Seasonal Allergies

WED | MAY 17, 2017

Happy spring! It's that time of year in Washington when flowers, plants, and trees are blooming, the grass is green, requiring maintenance, and the air is fragrant with new life. It's also that time of year when millions of Americans are battling seasonal allergies.

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Get Moving this May: National Physical Fitness and Sports Month

WED | MAY 10, 2017

Let's face it, many of us get motivated to exercise because we want to regulate or lose weight. It's looked at like a chore, rather than a pleasure in many cases. However, know that there are many other benefits to regular exercise may up the motivation levels.

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Choosing the Right Automobile

WED | MAY 03, 2017

Purchasing a car isn't as simple as it used to be when your only option was a Model T in a single color: black. With so many choices, makes, models, special features, etc. it's hard to figure out where to begin.

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Strange Business Matters

WED | APR 26, 2017

Startups are incredibly common these days, and it may seem like anyone with a crazy idea and a small investment can get rich quick. Here are a few businesses that have turned an impressive profit and definitely fit the definition of "crazy"

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April is Sexual Assault Awareness Month

WED | APR 12, 2017

Every single day, sexual violence impacts hundreds of Americans. April is Sexual Assault Awareness Month, and whether you are male or female, there are things you can do to protect yourself or your loved ones from sexual violence. Here's what you need to know:

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10 Tips for Prepping the Home & Garden for Summer

WED | APR 05, 2017

Spring is here in most places around the country, and that means that summer isn't far behind. Instead of leaving all of the work until the sunny days of summer, there's a lot that can be done in the meantime to get ready for outdoor living.

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How to Run a Family Business Without the Family Drama

WED | MAR 22, 2017

Running a family business in with your spouse as your business partner or another family member means that there are struggles outside the boundaries of the typical business day.For all family businesses in Washington, here are some tips for leaving the family drama behind.

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Baby on Board: Driving with Kids

WED | MAR 08, 2017

They may be your own, or they're your grandkids or your friend' kids, but driving with kids is a task that should always be taken seriously. Read these tips to find out how to keep your pint-sized passengers safe and sound, for any trip at any age.

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What is a Catastrophe?

WED | MAR 01, 2017

The term "catastrophe" brings to mind an event so disastrous, so "out there," that the odds of it happening to us are very, very low. Hail, wildfires, tornadoes, winter and tropical storms and man-made disasters like explosions can all qualify as catastrophic events.

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Heart Health: What's New & What Works

WED | FEB 22, 2017

The season of love is always a reminder to think about heart health. Here are some of the latest advances in cardiac care and prevention, plus some interesting heart facts.

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Top 10 Mistakes Made by Small Businesses

WED | FEB 15, 2017

Starting a small business in Washington is exciting, but on the journey to success, mistakes are inevitable. But if you're starting your own company, some mistakes can be fatal. Increase the odds that your new venture will stay afloat by avoiding these all-too-common roadblocks.

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Marriage and Money

WED | FEB 08, 2017

Finance and romance, both can make people crazy. Put them together and you might just double the insanity. If you're in a committed relationship, however, there's no way around it. Whether you're already married or on your way, here are some tips for managing your money as a couple.

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Top 10 Ways to Keep a Great Employee

WED | FEB 01, 2017

Hiring and training new employees is exhausting, time-consuming, and can cause your business to operate at a level below what's acceptable. So it makes sense to put energy into keeping great employees around.

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Preventing Sports-Related Brain Injuries

WED | JAN 25, 2017

In early February, the U.S. celebrates the truly American sport of football. We've heard some pretty tragic stories about the effects of head injuries on professional football players but people who play contact sports or participate in activities are also at risk.

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Cyber Loss & Cyber Insurance

WED | JAN 11, 2017

Much of our lives are spent online these days, so it only makes sense that insurance companies are starting to offer products to help protect consumers from the significant losses that can occur related to their online activity.

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Six Steps to Insulating your Home

WED | JAN 04, 2017

With the days getting colder, at least for those in the northern part of the country, you might be starting to regret not taking a closer look at the insulation in your home during the summer months. But it's not too late to make your home more efficient, and cozy, for winter!

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Workplace Gift Guide

WED | DEC 14, 2016

'Tis the season of gift giving. Maybe you feel an obligation to give holiday gifts to your dedicated clients, your boss, employees, or important co-workers; or maybe it's just something you'd like to do.

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Top 6 Tips for Business Success from Top Entrepreneurs

WED | NOV 23, 2016

In a classic "Saturday Night Live" sketch, actor and comedian Steve Martin once gave the most underrated advice on how to become a millionaire: "First, you get a million dollars."

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Stay Fit: How to Not Gain 10 Pounds over the Holidays

WED | NOV 16, 2016

What do mashed potatoes, gravy, apple pie, homemade eggnog, and green bean casserole all have in common? They'll all be doing their best to tempt you this holiday season. Around the parties and the large family dinners, the holidays are the most common time to pack on the pounds.

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Up in the Air: Holiday Airplane Travel Tips

WED | NOV 09, 2016

Thanksgiving and Christmas are popular times to travel, to make that journey to be with family. They can also be the worst times to travel, especially if you during peak times or with kids in tow.

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How Does Having a Baby Affect Insurance

WED | NOV 02, 2016

You're expecting, and there's so much to consider: pink, blue or gender neutral colors for the baby's room? Another thing you may want to think about before your new bundle of joy comes into the world is how it will affect your insurance.

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Debt Management: Tips for Keeping Debt at Bay

WED | OCT 26, 2016

For the average American, it's nearly impossible to get by in the modern world without taking on some debt. But, used wisely, debt can be a part of a healthy financial picture and not a chain around your neck.

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Tips for Transitioning After a Promotion

THU | OCT 13, 2016

Last month, we wrote about tips for scoring a job promotion. So you finally got that well-deserved promotion, now what? Even if it's everything you dreamed it would be, there will be some adjustments to make. Here are some tips for making the transition gracefully.

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Brighten your Smile for Dental Hygiene Month

WED | OCT 05, 2016

Your teeth reflect your overall health, so paying attention to them is important everybody knows that. And yet, many of us still skip brushing our teeth on some busy days or avoid regular checkups.

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10 Tips for Scoring that Promotion

WED | SEP 28, 2016

Most people assume that if they perform well, they'll probably get a promotion somewhere along the line maybe at their annual review. But a smart employee doesn't leave these things to chance. Here are some tips for getting that promotion when the time is right.

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Understanding Chronic Pain

WED | SEP 28, 2016

Millions of Americans need ongoing treatment for chronic pain. Despite recent headlines shouting about the over-prescription of opioids, many studies show that chronic pain is often underdiagnosed and under-treated.

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Insurance Needs for Home Additions and Renovations

WED | SEP 14, 2016

Adding on to your home, completing major or minor renovations, or making upgrades to outdated plumbing or electrical systems can all have a positive impact on the value of a property. But did you know they can also change your insurance needs?

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Insurance for Empty Nesters

WED | SEP 07, 2016

When the last of the children head off to college or out on their own, some parents, although sad, breathe a sigh of relief. For many, getting the kids out of the house will immediately relieve some serious financial stress.

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Health and Safety at Work

WED | AUG 24, 2016

Everyone is entitled to a safe and healthy work environment: your employer is required by law to provide a safe workplace, adequate training in a language you understand, and appropriate safety equipment, among other things.

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Get Away: Insuring Your Vacation Home

WED | AUG 17, 2016

Every summer you visit the same beach with your extended family; or maybe you love to spend winter holidays in the same charming ski town. Within a few years, you're a regular at the coffee shop down the street and no longer feel like a visitor in the community.

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How to Let Employees Go Legally

WED | AUG 03, 2016

Bad hires happen, even to successful business owners and to those experienced at hiring. So what do you do when an employee doesn't work out? Here is what you need to know about hiring and firing within the law.

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10 Tips for Conducting Performance Reviews

WED | JUL 27, 2016

Wed, Jul 27th, 2016 Even for an excellent employee, an annual performance review can be stressful. They're tough on managers, too. Follow these 10 tips to make your reviews go as smoothly as possible for you as well as your most delightful and most difficult employees.

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Washington Recreational Vehicles and Insurance: What you Need to Know

WED | JUL 20, 2016

Taking to the open road in a home on wheels is a dream for many Americans. If you are considering purchasing a recreational vehicles (RV) this summer, it's important to understand what type of insurance you'll need in order to make an informed decision.

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Wedding Safety Checklist

WED | JUL 13, 2016

Summer is wedding season, and couples throughout Washington will be tying the knot. If you're one of the lucky couples, wedding safety might be the last thing on your to-do list, but if something goes wrong on your big day, you'll wish it had been the first.

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Sewer Backups, Causes & Coverage

WED | JUL 06, 2016

A sewer backup can be one of the most dreaded things to happen to a home or property owner. Add to that the fact that most standard insurance policies won't cover this type of damage without a special endorsement, and a sewer problem can become an absolute nightmare.

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Summertime Safety: Top Five Summer Health Hazards

WED | JUN 22, 2016

June is National Safety Month and a great time to review your personal safety profile to find out how you can minimize the risk of accident or injury. Due to multiple factors, summer is a time of year when the risk of many common hazards increases.

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When the Boss Goes on Vacation

WED | JUN 15, 2016

For small business owners in Washington, taking off for a summer vacation can be more stressful than just staying at work. Here are some tips for going on vacation if you're the boss so that you can actually relax while you're away from the office.

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10 Things to Know About the Zika Virus

WED | JUN 08, 2016

Headlines announcing the spread of Zika virus have probably been showing up on your news feed for months. But what is Zika? And should you be worried about it?

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Motorcycle Insurance Basics

WED | JUN 01, 2016

Warmer weather is on the way, and the open road will soon be calling. Whether you're a recreational motorcyclist or a serious cross-country rider, be sure you have the right insurance to meet your needs and to protect yourself on the road.

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Making the Leap: When to Start Your Own Business

WED | MAY 25, 2016

Thinking about starting a business? Many of us dream about getting paid to do what we love or finding a way to pursue our creative ideas, but getting there is another story.

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Get your Boat Water-Ready for Summer

WED | MAY 18, 2016

Boating season is on the horizon in most parts of the country, and for boaters, it's time to get your vessel out of storage and start performing the necessary inspections and maintenance to ensure that you're ready to hit the water as soon as the weather allows.

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May is Melanoma Detection Month

WED | MAY 11, 2016

In the U.S., melanoma diagnoses and deaths are on the rise, especially among women under the age of 30. With increased education and treatment, it's possible to reverse this trend.

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Sea Mountain Supports Child Abuse Prevention Month

FRI | MAY 06, 2016

Child Abuse Prevention Month: Be A Part of the Solution

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Wearable Tracking Devices: Do They Really Work?

WED | MAY 04, 2016

Everybody seems to have a Fitbit these days; and while it might be annoying to listen to your co-workers brag about the number of steps they've counted, you might also be curious about these wearable tracking devices. So why all the excitement?

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Spring Cleaning Your Business Finances

WED | APR 27, 2016

In one of our latest blog posts we talked about cleaning up your personal finances. Now that we've made it through tax season, it's a smart idea to evaluate your business financial picture as well.

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Child Abuse Prevention Month: Be a Part of the Solution

WED | APR 13, 2016

April is Child Abuse Prevention Month, and we can all use it as a time to reflect on an issue that's unpleasant and often overlooked. Child abuse can happen in many forms, and it doesn't always occur just within the home.

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7 Tips for a safe and fun Road Trip

WED | APR 06, 2016

Spring break is on the way and summer will follow soon after. If you're planning to take a road trip, long or short, make sure you and your vehicle are safe and ready to go by following these recommendations:

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Personal Annual Review Wizard

WED | MAR 23, 2016

The insurance policies that make up your insurance program - your blanket of protection - need to be tweaked from time-to-time so that you are getting the right protection and benefiting from all available discounts.

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All About Water

WED | MAR 16, 2016

Water crises seem to be everywhere, from the ongoing droughts in the West to the recent water-related disaster in Flint, Michigan, to the problem of clean water that devastates the people of many third-world countries.

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7 Tips to Keep Your Vision Healthy

WED | MAR 09, 2016

Unless they're giving us problems, we rarely think about the health of our eyes. March is national Save Your Vision Month, and a great time to learn more about your ocular health.

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Does My Business in Washington Need Flood Insurance?

WED | MAR 02, 2016

Spring is just around the corner in Washington. With it will come melting ice and snow, rising waters, and an increased potential for serious water damage due to flooding. Most standard insurance policies do not cover flooding, and that includes business and commercial policies.

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Gun Safety at Home

WED | FEB 24, 2016

Gun control is a controversial topic; but what isn't controversial is the idea that firearms should be used safely and responsibly. Whether you're a firearm owner or just a concerned citizen, there are things you can do to promote gun safety in your home.

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Emergency and Disaster Preparedness for the Businesses in Washington

WED | FEB 03, 2016

When a natural disaster or major emergency strikes, it's a good possibility that many of those affected will be on the job. That's why it's important for business owners to have a well thought out emergency plan, and to take precautions that will keep employees safe should a crisis.

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Is Your Household Disaster Ready?

WED | JAN 27, 2016

Watching a disaster like Hurricane Katrina unfold on national television inspires compassion and a desire to help. But most people in Washington still believe that something like that won't happen to them, until it does

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5 Cyber Safety Tips for Kids

WED | JAN 20, 2016

Everyone in Washington agrees that cyber safety is important, but what, exactly, does it mean to be "safe" online? And what do parents really need to know? Here are the top five things you can do to teach your kids how to become responsible digital citizens:

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Top 10 Ways to Stick to Your New Year's Resolutions

WED | JAN 13, 2016

It's officially a new year, and along with its arrival, millions of Americans have made heartfelt plans to lose that weight, put away the smartphone at dinner, or quit smoking once and for all.

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The Downside of Digital Addiction

WED | JAN 06, 2016

It's common these days for people of all ages to say they are "addicted" to their phones, computers, or the Internet as though it's an obvious exaggeration, or at least no big deal. But digital addiction might not be as harmless as we think.

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