Starting with Memorial Day and for the next 100 days, ten people die every day during the summer involving a teen driver.

You might be surprised to learn that the number one distraction for teen is talking or attending to other passengers followed by talking or texting or operating a cellphone; and looking at something or someone in the vehicle is number three.

Over the past five years during the summer 100 Deadliest Days:  An average of 1,022 people died each year in crashes involving teen drivers. The average number of deaths from crashes involving teen drivers ages 16-19 increased by 16% per day compared to other days of the year.

How to prepare your teen, here are some resources:  A few tips:

  • Don't ride with teen drivers or transport other teens while a new driver. One of the most dangerous sources of distraction for teen drivers, whether due to horseplay, loud music, rowdy behavior or peer pressure, is teen passengers. 
  • Minimize various potential distractions, such as eating, drinking, chatting with a passenger, reading a map, personal grooming, reaching for things in the car or looking at people or objects unrelated to the driving task.
  • Don't allow a cell phone to be used in the vehicle by you or your teen.  

As we start to prepare our children leaving for college, there are a number of changes that you should consider regarding your existing insurance coverage. To help you answer some of the most frequently asked questions regarding insurance for your college student, we have prepared two flyers for your review.

Give us a call if you would like to discuss your coverages and what changes to consider.

Warm weather has us itching to get outdoors.   And opening a homeowner's swimming pool is high on the Honey Do List.

But, before you say "Everyone In the Pool", here are some tips to keep you, your family, and your visitors safe and protected.

  • Check your pool supplies - especially the expiration dates on the water treatment chemicals.
  • Carefully remove the pool cover by pumping excess standing water on the top, clean it thoroughly and allow to dry.
  • Inspect walls and liners for punctures or tears, scrub and clean wall. Check the deck area around the pool to fix any tripping hazards.
  • Replace plugs, and reinstall pumps, filters, or other items and fittings that were removed at the end of the previous season.
  • Check the sure drain covers are in place and properly installed.  Make sure the covers protect children, in particular, to prevent body parts or hair from becoming trapped in the drain due to suction.
  • Analyze the water quality and add treatment chemicals as needed to adjust the chlorine, pH and alkalinity to desired levels.  Make sure to read the manufacturer's usage instructions.
  • Run pump continuously at the beginning of the season until the pool water is clear and balanced.
  • Reinstall and tightly secure any ladders, railings, diving boards or slides.
  • If you haven't installed a fence around the pool, do so with a latched/locked gate.

If you have just installed a new pool, please call us and we will provide you with a quote to make sure that you are covered for liability and property damage.

And have a great Spring and Summer!

Source:  NSF Consumer Information

Hurricane season is upon us and it is never too late to get prepared.  One of the items we encourage you to have is a go-bag.  You don't know when you might need to evacuate your home and you don't want to run around at the last minute trying to compile what you need. has an Emergency Supply List to help you compile your items.  Click here to obtain a copy.  Also you can go to for additional emergency supplies.  

As we prepare ourselves for our holiday cook out, here are a few safety tips as you fire up the grill.

  • Grills would be placed well away from the home, deck railings and out from under the eaves and overhanging branches.
  • Keep children and pets at least three feet away from the grill area.
  • Keep your grill clean by removing grease or fat buildup from the grills and in the trays below the grill.
  • Never leave your grill unattended.
  • Always make sure your gas grill lid is open before lighting it.

Follow these tips and have a wonderful safe holiday.

Each year, over 150 workers are killed and more than 100,000 are injured as a result of falls at construction sites. Employers need to know how to:

  • Select fall protection systems appropriate for given situations
  • Install safety systems properly
  • Supervise employees properly
  • Use safe work procedures
  • Train workers in the proper selection, use, and maintenance of fall protection systems

Implement a Fall Protection & Prevention Plan today.

CLG has prepared a brochure on what is in store for Employee Benefits for 2016.  Want to obtain a copy, click here.  If you have any questions after reviewing the brochure, give us a call at the agency. 

Valentine’s Day is a special day – a day when flowers, candy, and jewelry are freely given to celebrate “love”.  If you are either giving or receiving jewelry, we want you to protect this keepsake with proper coverage either by adding it to your homeowners or your personal floater.

 Enjoy the day and should you need us to add to your policy or purchase a policy, please give us a call.

Further analysis to come, but the IRS just released Notice 2016-4, which extends the deadlines for 2015 information reporting under Code Sections 6055 and 6056 (IRS Forms 1094/1095).  The deadline for providing 1095-C (and 1095-B) statements to individuals is extended from February 1, 2016 to March 31, 2016.  The deadline to file 1094-C (or 1094-B) transmittals with the IRS is extended from February 29, 2016 to May 31, 2016 (for non e-filers) and from March 31, 2016 to June 30, 2016 (for e-filers). 

The official text of Notice 2016-4 can be found by clicking here:


The IRS reminded employers, insurance providers and other entities that provide 1095-ccoverage under the Affordable Care Act of their reporting obligations under the ACA and the 2016 deadlines for submitting those reports. The ACA requires an "applicable large employer," or ALE, which means a company with 50 or more full-time employees or full-time-equivalent employees, to provide coverage information to their employees and to the IRS.

For details, click here: