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Businesses Using Chatbots in 2019

2019 is predicted to see an increase in the number of businesses using chat bots. 

Chatbots are personalizing customer experiences.  Successful chatbots will work to understand using machine learning over time to learn and understand the nuances of the user’s requests and improve the first-contact resolution. The greater the ability to personalize responses will make the customer experience even greater.

Chatbots are now specialized. Users need to know exactly what the chatbot does and be confident that it will do these things well.  

Daylight Savings Time Arrives

Don’t forget that Daylight Savings Time kicks in on Sunday.  You need to move your clocks ahead an hour.  There goes an hour of sleep.  But, you can feel safer that children will be leaving for school in daylight rather than in the dark.

Looking for a dependable car?

According to J.D. Power, the top rated overall vehicle dependability brands are:

10.  Kia

9.    Hyundai

8.    Audi

7.    BMW

6.    MINI

5.    Buick

4.    Chevrolet

3.    Toyota

2.    Porsche

1.    Lexus

Flood Insurance - Why You Need It!

No matter where you live, water causes severe damage.  With winter thaw, flooding is more than possible. However, flood insurance is not part of your standard homeowners insurance.  

Most homeowners insurance will  cover water damage from a burst pipe, but not heavy rain, rising rivers, or a natural disaster.

What do you do?  Buy Flood Insurance!

Here are a few important things to consider:

Cold Weather Playing Havoc

Cold temperatures across the United States have caused consumers havoc both in their homes and in their cars.

Potholes 

Americans spend over $3 billion per year to repair pothole-related damage to their cars.

Extreme cold weather coupled with heavy traffic cause anything from blown tires, dented rims, damaged wheels, dislodged wheel weights, displaced struts, dislocated shock absorbers and damaged exhaust systems are all costly common automotive issues.

So how do you help protect your vehicle?  According to AAA:

Valentine's Day - Buying Jewelry?

If you are considering buying jewelry for Valentine’s Day, here are five tips from Anne D’Innocenzio of The Associated Press.   

Beware of discounts – do your research.  The median price of a piece of jewelry, excluding engagement rings and wedding bands, is $350.

Super Bowl - Have Fun But Be Careful

If you are celebrating the Super Bowl at a restaurant or sports bar, we’d like you to be safe.

Remember to plan ahead for safe transportation if you are planning to drink.  Be careful with your credit card information, as with all the activities, identity theft rings are working to steal your information, and finally, with lots of people in one location, it is important that you know where the exits are.

Enjoy the game and be safe.

Small Business - Regulatory Issues

To keep your business compliant in 2019, here are ten regulatory issues to watch out for:

Corporation Top Concerns

According to a recent survey conducted by Allianz in their annual Risk Barometer, the top perils to corporations are cyber incidents along with business interruption events.  In addition, workforce skill shortages and legislative/regulatory changes rank as key concerns.

Business interruption, via a cyber incident, is the biggest cause of economic loss.  

To protect your business, cyber liability and business interruption insurance should be required products in your business insurance portfolio.

5 Homeowner's Resolutions for 2019

To assist you in protecting your home in 2019, here are five tips to help prevent a claim.

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