Ice dams, panty hose and ice melt – a winter trifecta

Ice DamsIf you’ve been listening to the predictions for this Winter here in the Northeast – we’re expecting a rough one! And along with a lot of snow comes those horrid ice dams – a serious problem that will not only do damage to your home, but also is a cause for many winter insurance claims.

If you happen to be new to the North – let me fill you in on what an ice dam is: When snow accumulates on a roof, a cycle of melting and refreezing occurs. In a perfect world, the snow would melt off the roof, enter the gutters, and flow harmlessly to the ground (before it gets too cold – make sure you clean those gutters and follow these other Fall cleaning tips). Or the snow would evaporate from the action of the sun, and never really melt off unless the outside temperature rose above the freezing point. However, two key factors interact to cause problems… the outside temperature and the temperature of the inside of your attic.

The warmer your attic is, the more melt off that occurs at the roof surface. This melted snow would normally flow off the edge of the roof. Under certain conditions, though, when air temperature is very low, the water refreezes at the edge of the roof, where the interior roof surface is not being warmed by the attic. This refreezing gradually forms what is fondly known as an “ice dam”, a growing heap of ice that blocks path of the melted snow.

Once this dam forms to a certain height, the melted snow that pools up behind it can suddenly leak back under the roof shingles and into your home! On a roof with a low slope, it only takes a small ice dam to cause water backup and leakage.I can tell you from personal experience – it’s not a fun situation, especially when water is leaking from the ceiling into your living room!

Now what do you do?

Fix the issue before it’s an issue: Increase the insulation, sealing and ventilation in your attic as soon as possible.

What if you already have an ice dam? Get rid of the ice damn as quickly as possible. A great quick fix is actually an “old farmer’s cures” from This Old House’s website.

  • Using a roof rake, remove snow 3-4 feet from the edge of your roof, being careful not to damage the roof covering or to allow snow to build up around walking paths or to block emergency exits.
  • Use a calcium chloride ice melt product, which you can generally purchase from your local hardware store. Be sure not to use rock salt or sodium chloride, which can damage your roof.
  • Fill a nylon stocking with the calcium chloride ice melt.
  • Safely place and position the calcium chloride-filled nylon stocking vertically across the ice dam so that it can melt a channel through the ice.

It’s a great way to reuse and recycle some old hose that may have runs or holes and it’s a heck of a lot easier than getting up on your roof trying to break apart the ice! Have a secret quick fix to dealing with ice damns – we’d love to hear it.

Stephen Davis
Sinclair Risk & Financial Management

Ice Dams Steve Davis

Prepping Your Vehicle for Winter

Prepping Your Vehicle for WinterAs the temperature drops and the skies turn gray, natures’ animals prepare for the great hibernation that is winter. Squirrels stockpile nuts, bears fatten themselves up, birds fly south, and us humans head to the store and buy a new winter coat. For those of us with opposable thumbs, we also have to prepare other things for winter that are distinctly human…like our automobiles.

Owning a car, which most of us do, comes with the responsibility of regular maintenance and upkeep and for those of us living in colder climates, we have the added task of prepping our automobiles for winter. So as the cold front approaches, what do you need to do to get your car ready for the change of season?

Getting your car mechanically ready for the cold:

  • Fluids: Fluids are the life blood of your vehicle and as the temperature drops, the fluids in our vehicle respond. Frozen or broken down fluids are generally not good for a car. It’s critical to ensure that the fluids we’re using in our car can stand up to the freezing temperatures of winter. Specifically:
  • Engine Coolant/Anti-Freeze:  A coolant system flush and new radiator fluid is a good idea going into winter, and make sure you have anti-freeze in your radiator that’s rated for sub zero temperatures.
  • Engine Oil: Most engine oil these days are rated for two temperature ranges (10W 30 for example). The numbers signify the weight or viscosity of the oil. The more viscous the oil, the more easily it flows through the engine. With engine oil, lower numbers means the oil flows more easily. In winter you want a lower weight oil so the cold doesn’t thicken the oil and impede the flow through the engine. Be sure you have some 10W in your oil weight. Did you know that the “w” in 10w30 stands for winter? It does.
  • Transmission Fluid: Typically, the transmission fluid in your vehicle is rated for the cold but heading into winter is a good time to have a mechanic check the fluid, flush it out and replace it if needed.
  • Windshield Wiper Fluid: While it’s not critical to the operation of your vehicle, wiper fluid if not rated for the cold can freeze up and cause damage to the wiper fluid reservoir.
  • Tires: The obvious item to prep for winter is your tires. Have your tires inspected by a professional mechanic to ensure that there is sufficient tread to get you through the snowy days. If your area sees a lot of snow, you may want to consider putting on tires with snow specific tread. These tires have a more aggressive tread pattern and will reduce your gas mileage so consider the trade off. Here are some tips from the pros on winter tires.
  • Heater: None of us want to be stuck in the dead of winter with no heater in the car. Have your mechanic check your heater operation and make sure you’re ready for the chill.

 Preparing to drive and store your car in the cold:

Once your vehicle is mechanically ready for the cold weather, it’s time to prep yourself as a driver for the cold days ahead. Here are some things you can do to make your winter driving life easier.

  • Keep an emergency kit in the car: You never know when your car may break down or get stuck in the snow leaving you stranded in the cold. Act like a boy scout and be prepared with a winter emergency car kit with items like flares, a camping shovel for digging out of snow, and some cold weather gear.
  • Get an Ice scraper/Snow brush: Duh. I know, it’s obvious to have one but it’s also good to invest in a good quality scraper.
  • Get a car cover: If you’re not into scraping and brushing snow off the car in the morning, a car cover could make your life more enjoyable. A couple of minutes to put a cover on your car in the evening can save you several minutes of scraping ice and brushing snow in the morning. And who wants to do that on a cold winter morning when you’re late for work? You can purchase a car cover online that is made specifically for your car.

Here’s a tip: Always make sure that all of the snow is completely removed from your vehicle before driving. I know, you just want to get to work, but when you leave snow on your car, it blows off while you drive blinding drivers in cars behind you in a snow drift, which is unsafe, and not too friendly.

As winter approaches, do these few things to get you and your car ready for the cold and it’s going to make your life a whole lot easier. At Sinclair, we’re always preparing for the future and the unforeseen. We are Risk Management Specialists ready to handle whatever life brings your way.

Stephen Davis
Sinclair Risk& Financial Management

Prepping Your Vehicle for Winter

Managing Home Renovation Risks

Managing Home Renovation RisksHome renovations are on the rise; In fact, according to the Joint Center for Housing Studies of Harvard University’s Leading Indicator of Remodeling Activity (LIRA), annual home improvement spending growth is expected to increase from 2.4% in the last quarter of 2015 to 6.8% in the second quarter of 2016.  Bolstered by 2015’s favorable housing market condition, which included new construction, price gains and sales, homeowners are investing in improvements to their homes.

If you’re finally tackling that kitchen remodel or adding an in-law suite, don’t wait to think about the risks that come with home renovations.  Here are four tips to make sure you’re protected before your project even gets underway:

  • Vet Your Contractor & Subcontractors – Take your time choosing a general contractor, who orchestrates your entire project.  Beyond just word-of-mouth and online reviews, ask to speak with former clients who had similar renovation projects and check the contractor’s reputation with the Better Business Bureau.  As you’re choosing your general contractor, also be sure to get their license number and verify it.  Additionally, ask to see a copy of their insurance policy (and don’t be afraid to call their carrier) and make sure they have adequate coverage, including worker’s compensation to cover any workers who could be hurt on the job.  Beyond coverage, also make sure you’re aware of everyone who will be working in your home every day and, if needed, run background checks. 
  • Get It In Ink – Didn’t think through the removal and disposal of your old appliances?  Don’t rely on verbal agreements or side conversations for any aspect of your renovation.  Make sure you get an estimate and proposed contract from your general contractor before the project begins and that everything is covered, including the timeline, payment details and how you’ll address approvals and any unexpected projects and costs. 
  • Check Your Coverage - Contact your insurance agent to talk through your renovation and make sure you understand your coverage.  If there are any gaps in coverage for your contractor or subcontractors, make sure speak with your insurance agent about that as well, as you may need to extend the limits of liability in your homeowners policy. 
  • Protect Your (New) Investment –If you’re adding onto your home, don’t wait until it’s complete to increase the insurance coverage on the structure of your home, as you may not be covered if the addition is destroyed or damaged before your coverage has increased.  Similarly, if you purchase new items like that baby grand piano you’ve been wanting or new TVs or furniture to fill your new space, also make sure you let your insurance agent know in case you need to increase your coverage for personal possessions.

A home renovation can be financially and emotionally stressful.  However, at Sinclair Risk & Financial Management, we’re here to help ensure you’re protected and covered and starting your renovation on a solid foundation.

Stephen Davis

Sinclair Risk& Financial Management

Managing Home Renovation Risks

7 Insurance red flags when shopping for a new home

Red-flagWhether it’s juicy Pinterest images of fashion forward quartz kitchen countertops, or creative cork flooring that catches the eye in Dwell Magazine, the latest must-haves saturate the minds of home buyers. But what many home shoppers don’t realize is that insurers are evaluating homes with a very different set of criteria.

When it comes to homeowner’s insurance, you want your home to be “preferred.” There are carriers who will cover “non-preferred” homes but that route is costly and time consuming, to the point of potentially upending a closing.

Your dream home may have granite and bamboo, but if it also has any of these insurance red flags, it may be difficult, expensive, or impossible to secure homeowner’s coverage.

Safety hazards — First, your insurance inspector will train a very keen eye on the basics of the property, looking for anything that might pose a safety risk. Are there stairs with loose or missing railings? A broken step? What is the condition of the roof, the plumbing, the electrical system? Is there evidence of water damage? A “yes” to any of these will warrant further investigation at least and likely a full remedy before you can get a policy. 

Underground oil tanks — You do NOT want to “strike oil” in the form of a tank under the ground of your new home. Most carriers will not insure a property with an underground oil tank. Those that will may specifically refuse to provide any liability or environmental coverage for them, placing risk squarely on your shoulders. We strongly advise against this! Rather than pay higher premiums and accept the risk, it’s a better, much less expensive option to have the tank removed.

Swimming pools without a fence — Swimming pools are not an insurance deal breaker (though they can command higher premiums), so long as they are adequately protected with a fence and lockable gate. Some insurers will not cover a pool that has a diving board or a slide, even with a fence. 

Trampolines — The number of injuries sustained from using trampolines is astonishing: more than one million in the 10-year period of 2002 to 2011, according to the Journal of Pediatric Orthopaedics. Consequently, most insurers simply will not cover a home that has one. If you plan to purchase a home with a trampoline, ask the seller to remove it before you buy.

High-risk animals — Most insurers will not cover homes with a “high-risk breed” dog. Each carrier has its own list of prohibited breeds. Common ones include Pit Bulls, Akitas, Chows, and Rottweilers. Certain other animals make insurers skittish as well, including horses and farm animals. Ownership of these animals will not necessarily prevent coverage, but they do tend to make it more expensive.

Being in a fire safety “desert” — Generally speaking, your insurance costs will rise with the distance your home is from a fire station or fire hydrant: the farther away, the higher your “PC” or Fire Protection Class. If a home is more than 5 miles from a fire station or more than 1,000 feet from a fire hydrant, it is a PC 10, the point at which most insurers will either not cover the property or charge a correspondingly high premium.

Day care business — Some carriers will insure a home with a day care business via an additional endorsement (for an additional premium), but others will not cover any home that houses a business with substantial foot traffic. Home offices and businesses that have incidental traffic are usually not a problem.

If you’re home shopping and curious about other potential insurance red flags, call me today and I’ll be happy to help.

Stephen Davis

Sinclair Risk& Financial Management


Be neighborly this winter…you just might save a life

_JBK5366Brrrr! Thoughts of escaping to spring unscathed by a harsh New England winter evaporated President’s Day weekend when the polar vortex bled into Valentine’s Day, putting a chilly damper on a supposedly spicy night.
Winter is here, no doubt, along with its usual inconveniences. But for the elderly, pets and wildlife, and anyone on the roads in a storm, winter can be not just a cold annoyance, but a deadly force.

The staff at Sinclair Risk is making a point of doing the neighborly thing and making sure the most vulnerable around us stay safe this season. Join us and enjoy the warm glow that comes from doing good for others…no fireplace needed.

Be neighborly, check up on those around you — When snowstorms hit or the temperature drops dramatically, give your elderly neighbor a call or knock on the door. Make sure she has heat, food, water, and electricity and offer to help shovel or blow the snow from sidewalks and driveways. (Better yet, if you have one, nominate your teenager to help!) Check in periodically throughout the storm.

Remember your pets (and everybody else’s) — If it’s too cold outside for you, it’s too cold outside for pets. Cats that like to roam and dogs used to spending time outside need to stay inside when bad weather strikes and temps are below freezing. During walks, short-haired dogs should wear a sweater (Facebookable moment!) But seriously…Pets are sensitive to severe cold and just like us, are at risk for frostbite and hypothermia. Make sure your pets and your neighbor’s pets are safe. Are there outdoor or feral cats in your area? Here’s a great article about how you can help them in winter. And here’s five ways you can help wildlife survive the winter.

iStock_000056466450LargeDrive with care — Driving with caution is always the neighborly thing to do…but especially during winter! Protect yourself and others on the road by slowing down when the white stuff is falling, when ice is on the ground, and when visibility is poor. Drive on slippery roads at reduced speed and increase following distance behind the vehicle ahead. This gives an additional space cushion for safe stopping. Anticipate stops by slowing down gradually and plan ahead for lane changes. Everything should feel like it’s in SLOW motion during winter driving.

Make sure you (and others!) are prepared for an emergency — Storms in our area feel like they are veering toward the extreme. Even a garden variety nor’easter can do significant damage to buildings, roofs, roads, and other infrastructure. A basic emergency supplies kit can help you weather the storm. After creating one for your family, consider helping an elderly neighbor get prepared.

Here are some key items to include in your kit:
• One gallon of water per person per day for at least three days, a smaller amount for pets
• At least a three-day supply of non-perishable food for people AND pets
• Manual can opener for canned food
• Battery-powered radio
• Flashlight
• Plenty of batteries
• First Aid Kit
• Whistle (can signal for help)
• Moist towelettes, garbage bags and plastic ties
• Cell phone with car and wall chargers
• Laptop/Tablet with car and wall chargers
• Prescription medication, glasses, contact lenses
• Cash

Being neighborly can help make winter safer and more fun for everyone. Take some time to lend a hand on your street.

Steve Davis

Sinclair Risk & Financial Management

How to keep safe during the Most Wonderful Time of the Year!

_JBK5366It’s officially the holiday season! You’re ready to pick out the perfect tree, drag the ornaments out of storage, and make the house look like a winter wonderland. After all it IS the most wonderful time of the year – and we’d like to help you keep it that way.

According to the American Red Cross, there are over 45,000 house fires during the holiday season – costing over $550 million in property damage, and causing over 2,000 injuries and 500 deaths.

Luckily, we have some easy and helpful tips to help you keep the yuletide cheer going strong – although none to help deal with crazy Uncle Joe or your nosey in-laws!

If you buy a real Christmas tree, make sure the needles are green and fresh, and water it daily. When purchasing a fake Christmas tree, ensure it’s made of flame retardant material.

SRFM trees

Keep your tree, stockings, and any other holiday decorations at least 3 feet away from a heat source – this includes candles, fireplaces, radiators, and heat vents.

Don’t use any lights or decorations that have frayed electrical cords. Don’t use indoor Christmas lights outside. Limit the number of connected light strands to 3 sets.

Trim candle wicks back to ¼ of an inch and keep them 12 inches away from any other object. Extinguish candles before heading to bed or leaving the house.

Don’t throw boxes or wrapping paper into fireplaces.

Remember to set timers while cooking. Don’t leave food unattended for long periods of time. Turn off all appliances when you leave the house. Have a fire extinguisher on hand, just in case.

The holidays are a time for joy and celebration, so make sure you are taking the proper safety precautions to keep what matters most – your family and friends – safe from fire hazards this season.

Happy Holidays from all of us at Sinclair Risk and Financial Management!

Steve Davis


Thinking about hiring domestic staff? Following these smart practices will help minimize risk

Steve DavisBusy professionals reaching ever higher levels of success often find that as their assets grow, free time shrinks. To recapture some of life’s most precious and ever dwindling commodity, many families hire domestic staff in the form of housekeepers, nannies, drivers, chefs, and other personal service providers.

Once your family’s needs go beyond just having a weekly cleaning service for some laundry and light dusting, you may be considering retaining full- or part-time employees to tackle a variety of tasks, including childcare and elder adult care.

Before doing so, it pays to have a comprehensive risk management strategy in place that will protect your financial assets and more importantly you and your family members against a new suite of potential perils that come with the territory.

Best practices for hiring domestic help start with proper screening procedures and continue with having the right insurance in place. Indeed, there’s really no difference between hiring someone to help in your personal life versus hiring a new employee at your business.

Too many smart executives, who wouldn’t dream of hiring a key employee who didn’t thI7C1CJFQundergo a substantial vetting process, don’t follow that same practice when hiring someone at home — even though domestic employees may have unlimited access to their home, knowledge of financial affairs, credit/debit card privileges, driving duties, and most importantly, unsupervised responsibility for the safety of children or elderly parents on a daily basis.

Whether you’ve already employed domestic staff or are just thinking about it, here are several aspects to consider, courtesy of our partners at ACE Private Risk Services.

The laws are complex — The U.S. Department of Labor, Equal Employment Opportunities Commission, and Fair Labor Standards Act each have a strict set of guidelines for families employing domestic staff to follow. Each state also has its own labor department with guidelines. Violating these guidelines can result in fines and liability lawsuits that are not only costly but damaging to a family’s reputation. Is your new hire an employee or independent contractor? What are the tax implications of hiring a domestic employee? What are your obligations to pay overtime and how is it measured?

You’ll need a team — To answer these important questions and to help with other aspects of hiring domestic help, you should seek guidance from a range of experts, including household risk advisors, attorneys, accountants, employment agencies, background checking firms, identity theft consultants, and insurance agents.

It pays to be thorough — These advisors can help perform a comprehensive screening process that includes substantial background checks, interviews, reference checks, and document validation. In addition, they can write employee contracts and produce an employee manual that clearly spells out expectations for all parties.

You’ll need more than the typical insurance portfolio — Even the best household management practices cannot completely eliminate all risk. Insurance plays a critical role. At Sinclair Risk, we’ve helped many high-achieving families manage risk associated with hiring and employing domestic staff. We work with carriers that offer comprehensive insurance coverage that protects against perils such as reputation damage, kidnap and ransom, and other perils that the average household does not face. Talk to us today about how we can help you navigate the complex world of employing domestic staff.

Stephen Davis
Vice President

Do you have the right controls in place to help prevent a data breach?

_JBK5366The news on hacking, data breaches, and the state of cyber security is largely gloomy. Consider that a record number of companies dealt with significant data breaches last year and that the cost per compromised customer record keeps going up.

Indeed, research by the Ponemon Institute reflects a reality of data breaches that borders on inevitability. But all hope is not lost! Getting a flu shot isn’t absolute protection against the flu, but it’s still a smart preventative measure that can help even if the worst happens. Having the right controls in place to ward off a data breach is similarly wise.

Train your staff — The hacker stereotype of shady foreigner or maladjusted teenager may be true in some cases, but increasingly, data breaches are occurring because well-meaning, untrained staff inadvertently take simple actions that cause complex problems. Clicking a link in a phishing email that appears to be from a vendor or colleague can expose your systems to viruses and or worse. Train new AND current staff in email protocol and password best practices. Reinforce the training with quarterly refresher sessions and encourage staff to be vigilant about anything digital that seems even slightly unusual. Use the concept of “if you see something, say something” to create a culture where it becomes everyone’s job to help prevent a data breach. Your IT department can’t do it alone.

Get expert advice — Cyber security is a field that changes rapidly, with new threats  data-breachemerging in almost real time. Most organizations need to supplement their in-house tech staff with outside expertise. This doesn’t have to mean hiring high-priced consultants. For example, Chubb offers customers its eRisk Hub, which contains a wealth of best practices on network security and data breach prevention.

Make sure you’re covered — When you’re caught in the rain, it’s much better to have an umbrella, but you’re quite likely to survive either way. In a data breach storm however, having comprehensive cyber liability protection can mean the difference between a company’s life and death. These policies help manage cyber risk by providing liability coverage against third-party (hackers) and first-party (insiders) data breaches. Depending on the breadth of your policy, they will cover your legal liability, income lost from business interruption, and help with other expenses such as public relations fees. Data breach costs are substantial, an average of $145 per record last year, up 9% from 2013.  

Some cyber liability policies will also provide you with a network security risk assessment that can help you find and fix vulnerabilities before a peril occurs.

As with the flu, sometimes no matter what you do, you find yourself stricken with a data breach. But having controls and sound risk management in place will help take away the sting and quickly get your company back to health.

Stephen Davis
Vice President

How shopping for a cell phone can lead to identity theft

_JBK5366We all know that acquiring the latest and greatest iPhone or Samsung Galaxy S comes with a price, but in the case of 15 million consumers, it also came with the now real threat of serious identity theft.

The New York Times recently reported that hackers stole data of T-Mobile customers from the credit reporting bureau Experian, one of the “big three” data conglomerates that has files on nearly all of us.

The wide-ranging breach affects customers and those who provided information but never actually became customers, from Sept. 1, 2013, to last month. Hackers stole Social Security numbers, home addresses, birthdates, and other personal information.

Now, those who innocently shopped for a cell phone two or three years ago (or even just a few weeks ago!) have to worry about things like false tax returns and loan applicationsGLobal security concept filed in their name.

Scary, and becoming all too common. Remember Target’s 40 million customer data breach in 2013?

Fittingly, October is Cyber Liability Month, which is a good time to think about how protect yourself. You can’t control the security practices of every company you do business with, but you can take steps to minimize the damage if you are one of the unfortunate few caught up in a breach.

Watch for it — Don’t ignore odd mail from financial institutions you don’t recognize. It might be a sales pitch, but it might be correspondence about “your” new loan. On the flip side, if financial mail you are supposed to receive suddenly stops, it could be a sign of a fraudulent change of address.

Know your credit — You can get a free credit report once a year from the “big three” bureaus (Experian, Equifax, Trans Union) at Continually monitor by marking your calendar to pull a report from just ONE of them every four months (Jan. 1, May 1, Sept. 1). Certain credit cards will provide you with your actual credit score for free, which is valuable if you’re loan shopping. But to guard against identity theft, you need to be proactive and check the reports themselves for fraudulent accounts. Even if the thief is paying on time, you don’t want anybody piggybacking on your good credit.

If you’re a victim — First, don’t panic. Notify the “big three” and insist a “fraud alert” warning be added to your record. Document all fraudulent activity and share with the bureaus. Get in touch with us to discuss how your homeowner’s insurance will provide coverage that will help you.

Though homeowner’s policies do include identity theft coverage, everybody’s needs are different, so talk to us today to make sure you have the right coverage in place.

Steve Davis

Don’t get caught without kidnap and ransom insurance

_JBK5366Once you’re above the preteen years, kidnap and ransom sounds like a rather exotic peril…something that only happens to drug kingpins on shadowy, private islands. But the threat for adults is real, especially for high net worth individuals who travel internationally.

How real? Well, author Ann Auerbach spent two years chronicling kidnap and ransom cases and estimated more than 30,000 take place every year. The FBI says there are more 60,000 missing American adults whose disappearance is unexplained and for whom there’s a reasonable concern about their safety.

For United States citizens, high net worth — or just the perception of it — equals high profile and the assumption by nefarious elements of ready access to liquid capital. It’s a tempting combination for brazen criminals thinking they can score a big payoff by taking a hostage and demanding cash for his or her release.6 1 Davis Kidnap and Ransom V2

The costs of a kidnapping incident go beyond any ransom demanded. Paying a ransom — if it’s even advisable! — is certainly not a simple task.  It could require a small army of consultants and advisors such as negotiators, investigators, attorneys, public relations professionals, forensic analysts, and a security force, to name a few. Reward money and extensive medical costs not covered by traditional insurance plans add to the grim picture. No matter how successful you may be, it adds up to a potentially significant financial drain.

You may even be blackmailed for payments without even being taken hostage! In some cases, perpetrators make increasingly detailed and scary threats to the safety of you, your family, and your employees, demanding payment to make it stop.

Thankfully, there are insurance products that can help mitigate this potential financial jeopardy and provide expert support from firms who specialize in handling this type of crisis. They can help negotiate a ransom, safely make the transfer, and evacuate the kidnapped out of a foreign country. These are priceless  skills that you can acquire just by carrying the right insurance.

At Sinclair Risk, we have the expertise needed to tailor a kidnap and ransom policy that makes sense for you and your business. Our clients are our partners, and we pride ourselves on getting to know all aspects of your business AND your risk management needs. Concerned about this growing threat? Talk to us today about kidnap and ransom insurance.

Stephen Davis

VP Personal & Commercial Lines, Sinclair Risk & Financial Management