Understanding Fair Labor Coverage

The Fair Labor Standards Act, often referred to as FLSA or the Wage and Hours Bill, has been the backbone of ethical employment in the United States for decades. First introduced in 1938, FLSA has traveled a long road of amendments and scrutiny in becoming what it is today.  Generally, employers who produce $500,000 or more in gross sales are subject to FLSA requirements on minimum wage, hours, overtime and working with children. If you fall...

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Commercial Pollution Coverage: Could your Local Dry Cleaner be in Trouble?

Commercial Pollution Coverage for dry-cleaners is one of the largest untapped markets for insurance agencies across the country. A business that is universal to all communities, thousands of dry cleaners operate daily without Commercial Pollution Coverage and are thus leaving themselves exposed to huge risks. Are your local dry cleaners covered? Would they be able to afford a multi-million dollar claim from a simple environmental mistake? To understand...

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Understanding Real Estate Errors and Omissions

A real estate purchase or sale is one of the single most important financial decisions an individual can make. Not only does this decision have significant impact on financial health, it also sets gears in motion for numerous subsequent decisions and opportunities related to quality of life. Most individuals who look to purchase real estate realize the implications of their decision on all aspects of their life. As so, most individuals look to outside...

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Small Business: The backbone of your company, made easy

In the United States, small business employs over half of the country's workforce. While many people think that the industrial giants drive our economy, its small business that's really top dog. Small business in America is the stabilizer of our economy. Entrepreneurs are the backbone of creativity and production. Small business is what stimulates economic growth. With over 60% of all private sectors, non-farm jobs coming from small business,...

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Medical Spas: Lasers, Botox and Plenty of Risk

 Medical spas have been proliferating across the country. These day spa-medical clinic hybrids locations seek to treat conditions that cannot be effectively treated by traditional estheticians. Under the supervision of a medical doctor, patients can receive a range of treatments including laser hair removal, Botox, aggressive chemical peels, acupuncture and skin grafts. While these services can offer improved quality of life and stress reduction...

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Celebrate Architecture Week with A&E Coverage

Did you know that April 6-12th is National Architecture Week? It is celebrated every year over the birthday week of our nation’s first president architect, Thomas Jefferson. We're ready to celebrate at Apogee! The goal of National Architecture Week (NAW) is to create awareness and bring attention to the important role that architects play in positive change for our communities. Through the week, award-winning architects will share personal stories...

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Spotlight on Data Breach

In 2013 alone, Americans reported 47,000 data breach incidents totaling a staggering 44 million compromised records. As technology explodes, so does our exposure to technology related claims. Information is everywhere we look and more accessible than ever. Exposures never used to exist are now at the forefront of many companies’ liabilities. Apply for Technology E&O Here Send Applications Here The business functions that are most at risk...

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