Whether it be on the sale or purchase side of the loan participation transaction,
there is an ever-increasing incident of lender liability allegations involving one
financial institution with another. Even if no wrong-doing can be proven, it
must be defended which can certainly be expensive.

Every community bank should assess their FI Bond Agreement E Securities
and Signature Guarantees. Covers loss resulting in acquiring, selling, delivering,
giving value, extending credit or assuming liability on the faith of a certificated

According to a recent survey by LIMRA, “only 44% of households have an individual life insurance policy, and 30% have no individual or employer-provided life insurance”. Term Life insurance is a very important part of anyone’s insurance portfolio. There are many ways to calculate the amount of coverage you may need. Generally the average person will need five to ten times your annual income. At Nicoud Insurance we believe that everyone has different needs for life insurance.

Today's workforce requires more leadership and engagement than ever before. Over the past several "recession" years many companies simply took their human capital for granted. Rather than standing up and effectively communicating goals and challenges with their people, many took the stance that no news was better than bad news. Unfortunately the lack of transparency and communication caused high levels of disengagement and left employees unsure of their roles, not to mention the lack of clarity regarding their company's goals and direction.

I often find when talking with clients they have heard about buying an “umbrella”, but usually are not really sure how it works, or if they should. Here is some key information when considering an “umbrella” or “excess liability” policy that might make your decision easier.

Do yourself a favor and take the time to compile an inventory of your home now, and it will save you precious time and frustration later.

A personal property inventory helps to:

Ensure you have the coverage you need