About Kim Espinosa

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So far Kim Espinosa has created 14 blog entries.

Do I Need an Employee Handbook?

Employee handbooks serve as a road map and guide for your employees – no matter what size your organization is. In keeping with current best practices, we recommend that companies of every size maintain a handbook that clearly conveys their policies and protects you from litigation. Rick Montgomery, JD, senior legal editor for ThinkHR Corporation, [...]

By |2019-07-02T10:02:04+00:00July 2nd, 2019|

Learn from the June Bug: Do You Need a Cyber Insurance Policy?

“Oh sure, I have heard of cyber attacks but that’s not going to happen to me. I have my data protected. I don’t need a cyber policy. I am already paying plenty of premiums for all my other polices!” As a senior claims advocate, I see the number of cyber attacks increasing every week as [...]

By |2019-06-25T13:52:54+00:00June 5th, 2019|

Risk Management for the Construction Industry: Tips from the Middle Ages

No, this isn’t the latest abode of a wealthy energy executive in North DFW ... it’s a picture that represents a very important principle. It’s not the foreboding, protective nature of these walls that I’m most impressed with. It’s what a would-be assailant would encounter prior to the walls, that illustrates my point. By definition, [...]

By |2019-06-25T13:59:02+00:00May 20th, 2019|

Hotchkiss Insurance Appointed to The Hanover’s President’s Club

Hotchkiss Insurance Recognized for Exceptional Customer Commitment and Service Agency selected for The Hanover’s President’s Club   Hotchkiss Insurance was recently selected for The Hanover Insurance Group’s President’s Club, an elite group of independent insurance agencies from across the country. The Hanover’s President’s Club agencies are recognized for delivering outstanding value to their customers through their [...]

By |2019-05-17T14:25:18+00:00May 17th, 2019|

May the Fourth be with You: Beneficial Uses of Holograms

What if you could be in multiple places at once or duplicate yourself and teleport to another location in another dimension? Well, I have good news. You can with holograms! Although some may think holograms are just for science fiction and movies, they are actually being used today in a variety of ways.  Below are [...]

By |2019-06-25T13:55:31+00:00May 16th, 2019|

Don’t be Fooled: Cloud Computing and Cyber Security

First, it was your data is in “The Cloud”. Now, the hype is cloud computing! Sounds like a storm is brewing. Well, many of you already know these are not weather terminologies, but rather technological. In simple terms, “the cloud” denotes services and software which do not necessarily require your physical computer but rather rely [...]

By |2019-06-25T13:43:52+00:00April 3rd, 2019|

Uh Hail No! Minimizing Damage After a Hail Storm

It’s that time of the year again!  Although some of you may be thinking baseball season and spring picnics, I am actually referring to hail season. While we have no control over when or where a hail storm strikes, you can still be proactive to mitigate your damages.  Below are a few links to insurance carriers’ [...]

By |2019-06-25T14:09:27+00:00March 25th, 2019|

Builders Risk Insurance: New Builds and Renovations

If Chip and Joanna have inspired you to finally tackle that home renovation project this year, listen up! Before you begin, you should be prepared to ask your agent a few questions about your current coverage. Some background on builders risk coverage will help you make the right decision for you and your project. Builders [...]

By |2019-02-05T09:38:58+00:00February 5th, 2019|

Hotchkiss Helps with a Thanksgiving Feast

Our San Antonio office has a yearly tradition of partnering with the Greater San Antonio Builders Association (GSABA) to surprise trainees from the Lackland Air Force Base with a Thanksgiving meal. Hotchkiss Helps is proud to supply the turkeys for this important event. This year, a few first timers from Houston joined in to show [...]

By |2018-12-07T13:54:53+00:00November 20th, 2018|

Swinging into Fall with Playground Safety Tips

When the temperatures finally drop a bit in Texas, we swing into the best playground weather for little ones. There are many reasons why outdoor play is important (and fun!), but unfortunately, playgrounds can be dangerous too. From 1990 to 2012, an estimated 5,025,440 children were treated in U.S. emergency departments for playground-related injuries, averaging [...]

By |2018-12-07T13:54:54+00:00October 2nd, 2018|