WED | MAR 03, 2021

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

TUE | FEB 23, 2021

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

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.

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.

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.

MON | DEC 28, 2020

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

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.

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.

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.

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.

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!

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.

WED | JUL 29, 2020

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

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.

FRI | MAY 15, 2020

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

WED | APR 22, 2020

If you're thinking about purchasing a new car or truck, it makes sense that you might trade in your current vehicle to help you with a down payment. Or maybe you have a vehicle you no longer need and are just looking for a way to make some extra cash.

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.

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.

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.

WED | JAN 29, 2020

There are a variety of potentially serious and costly problems that can happen when you allow too much snow to pile up on your roof: water damage, leakage and in some extreme cases, collapse.

WED | JAN 15, 2020

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

WED | DEC 25, 2019

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

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.

WED | NOV 27, 2019

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

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?

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.

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.

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

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.

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.

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.

FRI | NOV 01, 2019

D&O is the common abbreviation for Directors' and Officers' Liability Insurance. This is a type of liability insurance that protects Washington directors and officers of an organization by covering damages or defense costs in the event that they are sued for alleged wrongful acts.

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.

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.

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.

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.

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.

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.

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.

FRI | NOV 01, 2019

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

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.

FRI | NOV 01, 2019

I.I.I. Offers Holiday Safety Tips

FRI | NOV 01, 2019

Artisan contractors like carpenters, roofers, electricians and plumbers often have basic insurance needs taken care of through a Business Owners Insurance Policy (BOP)

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.

FRI | NOV 01, 2019

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

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.

FRI | NOV 01, 2019

See Also: Insurance Company Claim Phone Numbers and Website

FRI | NOV 01, 2019

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

FRI | NOV 01, 2019

In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments.

FRI | NOV 01, 2019

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

FRI | NOV 01, 2019

What is risk management?

FRI | NOV 01, 2019

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

FRI | NOV 01, 2019

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

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.

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.

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.

FRI | NOV 01, 2019

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

FRI | NOV 01, 2019

Professional Liability Insurance...what is that and who needs it?

FRI | NOV 01, 2019

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

FRI | NOV 01, 2019

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

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.

WED | OCT 09, 2019

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

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.

WED | SEP 11, 2019

As a renter, it may seem that you have little control over the property in which you live. But every state has laws to protect renters from the beginning to the end of the process. It's important to know your rights and responsibilities as a renter, so you can protect yourself in

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.

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

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.

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?

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:

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.

WED | MAY 22, 2019

We're all distracted these days. In every moment, there are dozens of things competing for our attention, and well, driving is no exception. So how do we keep our attention where it needs to be?

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.

WED | APR 17, 2019

We all love how fresh and wonderful a home can feel after a good spring cleaning; but getting started can be overwhelming. Here's how to get maximum results, whether you have a few hours, a few days, or no extra time at all.

WED | APR 03, 2019

Many parents rightly experience a strong anxiety when turning over the car keys to their new teen driver. There are several things a parent can do to make sure that the teenage driving experience is a safe one.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

WED | AUG 01, 2018

We're sliding into the hottest months of the year in Washington, and many of us will be delighting in the cool water of our local lakes, rivers, and pools. Here are eight water safety tips to keep you safe this summer.

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.

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.

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.

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?

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:

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

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.

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:

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:

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.

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.

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.

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.

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.

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.

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?

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.

WED | NOV 01, 2017

If you're a property owner, it's important to know about ordinance or law coverage and how it applies to you. Failure to understand when and where ordinance and law coverage is necessary may mean that if your home or commercial building is damaged, you don't have the coverage you need.

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.

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.

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?

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.

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.

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.

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.

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.

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?

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.

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.

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.

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"

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:

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.

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.

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.

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.

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.

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.

WED | DEC 21, 2016

The holidays can be a tough time for those who are prone to depression, and for some, the shift of seasons means a shift in moods. This specific kind of depression that fluctuates with the seasons is known as Seasonal Affective Disorder, or SAD.

WED | DEC 07, 2016

There are approximately 1.2 million people living with HIV in the United States, and nearly 50,000 people are newly infected each year. Globally, HIV/AIDS continues to be an epidemic, affecting 35 million people worldwide

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.

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.

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.

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.

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?

THU | SEP 01, 2016

If you're heading for retirement or even if it's a ways off, you might already be writing that bucket list of things to do and places to see as soon as you don't have to show up to work every day.

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.

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.

MON | JUL 25, 2016

Sea Mountain is excited to have Krista Patton join our Ocean Maine and Yacht Insurance group! Krista has over 38 years of experience in marine insurance. Krista Patten comes to us from Wells Farge in the Seattle area.

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.

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.

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?

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.

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.

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?

WED | APR 20, 2016

Spring is a great time to clear away the clutter and freshen your living and working spaces for the year ahead. Why not borrow the idea and give your personal finances a thorough "cleaning" too?

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:

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.

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.

WED | FEB 17, 2016

While most of us won't experience a disaster like Hurricane Katrina in our lifetimes, it's still up to us to consider our beloved companion animals when planning for emergencies, big and small. Here are a few things you can do:

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.

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:

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.

WED | DEC 16, 2015

We all want to be the one to find a gift that makes the holidays unforgettable for that special child in our lives.Whether you're a parent, aunt, neighbor or godparent, don't let your quest for holiday magic steer you towards a purchase that might be unsafe or inappropriate.

WED | DEC 02, 2015

Bringing a little holiday cheer into your business is usually welcomed by customers and employees alike. But if you're a business owner, it's important to remember that there are legal guidelines you must follow to maintain an environment.

WED | NOV 11, 2015

Approximately 10 percent of Americans are affected by diabetes, and millions more are at risk for developing the disease. November is American Diabetes Month, and a great time to find out whether you are at risk, and if so, what you can do about it.

WED | NOV 04, 2015

Just for fun, let's take a look at some of the weirdest insurance policies out there.

WED | OCT 21, 2015

After your home is damaged by wind, hail, or other natural elements, the storm isn't necessarily over; in fact, it might be just the beginning. Here's what you need to know about the storm-induced insurance process from diagnosing the damage to filing a claim.

WED | OCT 07, 2015

From cell phone contracts to Internet packages, bundling is a popular way for companies of all kinds to hook you into multiple services, usually at a discount to you.

WED | SEP 16, 2015

Last week, we discussed what other personal belongings you may want to insure separately. Here, let's look at some business assets that might warrant additional coverage.

MON | AUG 31, 2015

It's often noted that America is an excessively litigious society which may or may not be accurate. But the rules and regulations that have made it relatively easy to sue for personal injury in the US have resulted in some truly bizarre lawsuits and legal proceedings.

WED | AUG 19, 2015

Gathering school supplies, updating vaccines, and returning to a regular sleep schedule are part of a long list of things that need to be done before sending kids back to school.

WED | AUG 05, 2015

School's out for summer, and that means that many parents in Washington are opening their backyards to their children's friends and neighborhood buddies.

WED | JUL 22, 2015

Sleeping under the stars, hiking, swimming, and toasting marshmallows are activities many folks look forward to every summer. But getting back to nature offers its own set of risks

WED | JUL 01, 2015

After the dark days of winter, it's a relief to see the sun and tempting to stay outdoors basking in its rays as often as possible. But before you put on your swimsuit, it's a good idea to review sun safety for both adults and children,.

WED | JUN 17, 2015

In the United States, gun ownership is still a hot button issue. A 2014 study in the Annals of Internal Medicine reported that having a firearm in the home puts those in the household at higher risk of committing suicide or being the victim of a homicide.

WED | JUN 03, 2015

Seeking treatment for mental illness can be an especially challenging task. Fortunately, recent policy changes mean that Americans are that much closer to gaining equal access to mental health services.

WED | MAY 20, 2015

There is no shortage of distractions in the modern world. Distracted driving has become a national issue, and many schools and public agencies are scrambling to raise awareness of the problem.

WED | MAY 06, 2015

When an employee in Washington gets injured on the job, the negative repercussions can affect everyone. Worker's Compensation Insurance ensures that both employees and employers are protected in the event of a worker accident, illness, or injury.

WED | APR 15, 2015

April showers eventually bring May flowers, but in the meantime, wetter and warmer temperatures can cause a variety of hazards along the way. Here are some common spring safety issues, and ways you can prevent their potentially harmful consequences:

WED | APR 01, 2015

Business vehicle ownership in Washington, or anywhere, carries with it a high-risk potential for lawsuits, legal problems and property damage. If you use automobiles as part of your daily business, your risk is multiplied with every additional vehicle and driver.

WED | MAR 18, 2015

After making it through midterms and the bleakest months of winter, spring break is more than enough reason for high school and college students to celebrate. But many spring break "traditions" in the U.S. have a dark side, and can sometimes result in life-changing consequences.

WED | FEB 25, 2015

Finding a great employee takes effort, and keeping a good one long-term is a major accomplishment. If you're a business owner, you know that hiring and training employees takes an enormous amount of time and energy and always results in lost productivity.

WED | FEB 11, 2015

Did you know that heart disease is the number one killer of both men and women in the United States? Yet few people take the time to understand their own personal risk factors and take the steps necessary to reduce them. In honor of Valentine's Day, let's talk heart!

WED | JAN 28, 2015

Dangerous road conditions can occur any time of year, but winter is prime time for difficult driving in many Northern climates. Be prepared for whatever comes your way on the road by following these safe-driving suggestions:

WED | JAN 14, 2015

SAT | DEC 27, 2014

Just as the fresh, white flakes of a snowstorm seem to leave no surface untouched, so does December's festive mood affect virtually every aspect of our lives: family, food, finances, and even work.

WED | DEC 17, 2014

Wed, Dec 17th, 2014 A Christmas tree is a non-negotiable tradition for many families during the holidays. But even those who look forward to those twinkling lights and strings of popcorn may have a small child or mischievous cat that makes having a tree difficult and sometimes even dangerous.

WED | DEC 03, 2014

Frittering away part of the workday chatting with colleagues, checking social media sites, or taking a short trip to the break room to see if there's one donut left is easy to do. Procrastination on this level may seem harmless, even justifiable to a hard working employee.

WED | NOV 19, 2014

According to the Centers for Disease Control, "Tobacco use remains the single largest preventable cause of death and disease in the United States." Over 42 million Americans smoke, and nearly 80 percent of those have a daily habit.

WED | NOV 05, 2014

At school, home, and in the corporate workplace, taking the time to create an emergency preparedness plan is common; but for busy small business owners in Washington, this seemingly non-urgent task can easily take a backseat to more pressing concerns.

WED | OCT 15, 2014

Due to a recent West African outbreak this epidemic has claimed more lives than any other since the discovery of the Ebola virus in the 1970s. This potentially deadly virus originates in animals but can be passed from human-to-human once a person becomes infected.

WED | OCT 01, 2014

If you're a business owner in Washington, allowing employees to take a smart phone break during work hours probably sounds like a pretty lousy idea. But a recent study suggests that doing just that might actually be good for morale and productivity, too.

WED | SEP 17, 2014

We all get nervous when we read in the local news that our favorite restaurant has earned a violation from the health department. But how many of us use the same level of care we expect from a quality establishment when preparing meals in our own homes?

WED | SEP 03, 2014

Wed, Sep 3rd, 2014 By now,we should need little convincing that sensory overload while driving can lead to unsafe decisions on the road and sometimes accidents.But what about sensory underload?

WED | AUG 20, 2014

Families love to travel in the summer, and what better way to do it than with a mobile house on wheels towed behind your car or truck, providing all the comforts of home in virtually any new locale you desire?

WED | AUG 06, 2014

When we left Jack and Sara last month, college sweethearts Jack and Sara got engaged on their way to New Orleans and made sure to add the new ring as a rider onto their existing renter's insurance policy.

WED | JUL 09, 2014

Enormous inflatable bouncy castles also known as bounce houses are often seen at kids' birthday parties and the like.

WED | JUN 25, 2014

To celebrate their graduation from college this month, sweethearts Jack and Sara are embarking on a summer-long cross-country journey. We'll chronicle their adventures and inevitable misadventures with a particular emphasis on (surprise, surprise) insurance.

WED | JUN 11, 2014

Few people, even the most committed, die-hard healthy eaters, want to completely forego the pleasures of dining out. After all, eating at restaurants has been a regular part of life for centuries the first known dining establishments opened in Europe in the 17th century.

WED | MAY 21, 2014

In the last post Cyber Security: Is Your Business Safe? , we discussed cyber security weak spots, and the different things you can do to protect your Washington business and your clients.

WED | MAY 07, 2014

As winter's lingering shadow lessens, and the sun shines brighter and warmer every day, it's an ideal time to give your front and back yards a thorough spring cleaning in preparation for a long stretch of satisfying, beautiful, and safe outdoor fun.

WED | APR 23, 2014

Business owners can reap significant financial rewards by fostering a culture of health among employees at their workplaces.

WED | APR 09, 2014

The National Council on Alcoholism and Drug Dependence (NCADD) promotes alcohol awareness every April. Fittingly, during a spring month of renewal and rebirth, we're prompted to reassess our relationship to alcohol, as well as its role in our lives and communities.

WED | MAR 26, 2014

March is a much-anticipated month in Washington, when many of us start shedding our winter layers in excited preparation for the coming spring. In addition to extra clothes, however, some folks also shed their common sense.

WED | MAR 12, 2014

Most new parents would probably admit that their driving habits changed after having children. The one-time daredevil of the highway has transformed into a doting dad who never pushes the speedometer past a sluggish 65 mph.

WED | FEB 26, 2014

These days, the world is brimming with entrepreneurs. From tech-savvy millennials committed to creating their own web-based businesses to experienced baby boomers eager to make their own schedules so they can spend time with grandkids.

FRI | FEB 14, 2014

Fraudulent charges to your personal or business accounts can be both financially and emotionally devastating. Even if you do eventually recover the funds, the stress that results from having been stolen from can take a toll.

FRI | JAN 24, 2014

While December is the time of year when many of us focus on giving, the spirit of altruism and generosity flows into January, which is National Blood Donor Month.

FRI | JAN 10, 2014

Those of us who live in seasonal places, other than perpetually sunny Florida and Southern California, are often at the mercy of a great force of nature, one that can affect our moods, alter our plans, dictate what we eat and do, and even influence our safety.

FRI | JAN 03, 2014

It turns out that few of us in Washington are as unique as we might like to think. Each New Year's Day, the common longings that unite us all come to the surface in the form of our resolutions, many of which are identical from one person to the next.

FRI | DEC 13, 2013

Railroad crossing collisions and casualties are more common than you might think. Last year, the Federal Railroad Administration reported 1,967 collisions at train crossings, 949 injuries, and 273 deaths.

FRI | NOV 29, 2013

Social media has many faces. A few social media sites, like Friendster, have been relatively short-lived, while others, like those listed below, appear to be here to stay.

FRI | NOV 15, 2013

Is Facebook still a "friend" to the social media user who values some semblance of privacy? With the advent of Graph Search, Facebook's internal search engine, many Facebook users are feeling that their privacy is a thing of the past.

FRI | OCT 25, 2013

Getting the keys to your very first home is almost always cause for celebration: you open the door, cross the threshold, and enter your very own castle - whether it be an apartment, a condo, or a single-family home.

FRI | OCT 11, 2013

Which do you think is a more bacteria-laden surface-a toilet seat or a smartphone? Surprisingly enough, in many cases, it's the latter. Recent research has revealed that smartphones can harbor a surprising amount of bacteria.

FRI | SEP 27, 2013

As a small business owner in Washington, you've likely invested significant time, imagination, and money into getting your enterprise off the ground.

FRI | SEP 13, 2013

With school starting, it's easy to forget that summer lingers well into late September, and the weather remains warm enough across the U.S. for most of us to continue enjoying our yards.

FRI | AUG 23, 2013

Talking on a handheld cellular device while driving has been banned in 11 states, and texting on one has been banned in 41-for good reason! Common sense says that conducting a phone conversation or looking down at a phone to compose a text message while driving is dangerous and at times deadly.

FRI | AUG 09, 2013

So many Washington businesses rely on computers and the Internet in order to function optimally. But just as being connected to the web can have a beneficial effect on your business, so can it also have a detrimental one.

THU | JUL 25, 2013

Just as you would be careful about choosing a nanny, a personal accountant, or a used car salesman, so should you use caution in selecting a contractor before you begin that home building project, renovation, or repair. Here are some good tips to avoid getting taken for a ride:

FRI | JUL 12, 2013

Thanks to a certain well-known and widely-loved MGM musical featuring a scarecrow, a tin man, and a cowardly lion, many of us, especially those who dwell on the East or West Coast, have thought of tornadoes as little more catalysts for traveling "over the rainbow."

FRI | JUN 28, 2013

Like it or not, the vast majority of us in Washington have become dependent on our cell phones. We rely on them not just as tools of oral communication (in fact, actually talking on the phone seems to be increasingly rare), but as tools for sending texts and emails, photos and more.

FRI | JUN 14, 2013

No one revels in the delights of summer like a kid. Washington schools are out, the sun is high and hot, and the long days are filled with light and the prospect of innumerable adventures.

FRI | MAY 24, 2013

Spring is a time for renewal, but for allergy sufferers, it's a time for perpetually sneezing, rubbing itchy eyes, swallowing to relieve the sore feeling in your throat, or feeling constantly on the verge of the flu. What causes spring allergies? And can they be conquered?

FRI | MAY 10, 2013

Home sweet home is an obvious place to give a good scrubbing once springtime in Washington arrives. It's time to wipe the grime out of every nook and cranny, wash the carpets and curtains, and pack away the space heaters and down blankets.

FRI | APR 26, 2013

The insufficiently caffeinated driver behind you still has sleep in his eyes, and doesn't hit his brakes in time. He crashes into your back end-not too hard, but hard enough to elicit some concern, and maybe even a curse word or two. What do you do next?

FRI | APR 12, 2013

If you are a business owner in Washington who pays for your employee's health coverage and sick leave, you have good reason to motivate these employees to stay healthy. Good employee health translates to good financial health for you and your business!

FRI | MAR 29, 2013

Hockey is a notoriously rough sport, and no part of the body is more vulnerable to injury by that cold, hard ice or that fast-flying puck (not to mention a fellow player's fist or elbow) than the head.

FRI | MAR 15, 2013

Too much water can even create problems in what seems like the safest of all places: home. When the quantity of water in and around your home is too much for your water removal systems to deal with, you have what is known as water back up.

FRI | FEB 22, 2013

Do you consume health care wisely? This is the month for Washington residents to consider that question.

FRI | FEB 08, 2013

Insurance can be a tricky business. Shopping for can feel intimidating because there are so many providers and plans to choose from, so much fine print...and so many misconceptions! Yes, myths abound in the insurance world, and they are perpetuated as readily and colorfully as any fairy tales.

FRI | JAN 25, 2013

One of the best ways to beat the winter blahs is to stay active. When the weather in Washington is chilly, the sky is gray, and your mood is blue, it's smart-and fun-to get out and get moving.

FRI | JAN 11, 2013

Off the job safety is essentially an extension of on-the-job safety rules. Designed to keep employees in Washington safe and healthy even when they are not at work, off the job safety ensures that they can keep coming back to work and keep contributing to the company!

FRI | DEC 28, 2012

More and more business owners are seeing the economic advantage of basing their business in an unconventional locale, such as a home studio or office, or a shared space with a fellow entrepreneur. There are hundreds of types of business owners whose enterprises are suited for home offices.

FRI | DEC 14, 2012

The invitations have been sent, the hors d'oeuvres ordered, the house decorated, and the liquor cabinet replenished. You're ready to host a fabulous holiday party! Before you open the front door to a flurry of friends and family, however, make sure that you have the necessary insurance in place.

FRI | NOV 23, 2012

You've done it-you've transformed a brilliant idea into reality, and started your own business in Washington. It's wonderful; you don't have to answer to a boss, you can work the hours you want, and you feel truly in charge of your own future.

FRI | NOV 09, 2012

Today's youngsters, who will inherit this world from us, are tomorrow's leaders, who will use their varied gifts to shape it. Keeping them safe and protected ensures a brighter future for all.

FRI | OCT 26, 2012

Halloween is a holiday during which innocence is celebrated. Washington residents delight in dressing our little ones up in funny costumes and escorting them around the block so they can charm the candy out of neighbors' hands.

FRI | OCT 12, 2012

Even with Halloween looming on the horizon, the prospect of so many newly licensed Washington teen drivers getting behind steering wheels is undoubtedly the most frightening thing about fall.

FRI | SEP 28, 2012

Wouldn't it be wonderful if, when you raked your front lawn this autumn, each and every fallen leaf were a hundred dollar bill? If Fall was actually short for "windfall"? If money really did grow on trees?

FRI | SEP 14, 2012

You may consider yourself well versed when it comes to the ins and outs of business insurance in Washington, especially if you own a business in Washington. But just how accurate and in-depth is your knowledge?

FRI | AUG 24, 2012

Chances are you already have a number of different insurance policies in place. It's almost inevitable, however, that even with all that protection, there are some cracks in your coverage. Umbrella insurance is designed to essentially seal those cracks, so that all your bases are covered.

FRI | AUG 10, 2012

Those of us old enough to recall a choice bit of pop culture from the early 1980s might recall a fictional vehicle that seemed to have a mind and personality all its own. Its name was KITT, and it was the sporty, black car endowed with artificial intelligence.

FRI | JUL 27, 2012

Insurance affects-and protects-virtually all the most fundamental parts of our lives here in Washington: home, health, transportation, and even work.

FRI | JUL 13, 2012

Whether it's a leisurely, romantic drive down a country road, a fun-filled family vacation, or a raucous road trip across the country with friends, summer is prime time for excursions in the car.

FRI | JUN 22, 2012

For better or for worse, our world is full of cars: big ones, little ones, electric ones, ancient ones, and fresh-from-the-factory models with paint so shiny you can see your face in them. Needless to say, with so much variety on the roads in Washington, not all cars are created equal.

FRI | JUN 08, 2012

If you're a business owner in Washington, you may have employees who take company laptops and smartphones with them during their summer travels. This is wonderfully convenient because it allows employees to stay in touch and work while they are in distant locales.

FRI | MAY 25, 2012

Times have changed substantially since the dog-eat-dog days of fire marks-distinctive plaques fashioned of lead or copper that home and business owners displayed on their property to indicate that it was insured against fire.

FRI | MAY 04, 2012

Do you have home or office improvements planned for this summer? Perhaps you're finally going to build that beautiful patio cover you've been imagining for so long, so you can dine al fresco with friends and family and still have protection from August's blazing sun.

FRI | APR 20, 2012

Earth Day is a time for those of us in Washington to celebrate the miraculous beauty of our precious planet and all its offerings, as well as to make changes to our own habits and lives that will help to preserve the earth for many generations to come.

FRI | APR 06, 2012

The Internet: it's a part of every Washington household, an indispensable resource, a source of endless entertainment, and an incomparably effective communication tool. Most of us can hardly imagine life without it.

FRI | MAR 16, 2012

Do you consider yourself one of those people to whom nothing is shocking? Have you seen and heard it all? Do you merely roll your eyes, unsurprised and unimpressed, at the quirks and foibles of your fellow humans?