No matter where you drive – from rural roads to suburban streets and even highways around our cities – the threat of a collision with a deer is real.

Deer collision accidents are on the rise, partially because the deer are being displaced from their natural habitat by urban sprawl but also because the deer population is growing.

In fact, the Insurance Information Institute reports that over 1 .6 million deer-vehicle collisions occur each year and these accidents cause vehicle damage, injuries and even fatalities at a cost in the neighborhood of $4.6 billion.

Learn more about deer collisions and how to stay safe during "Deer Season" by clicking "Read More" below.

Many small business owners depend upon the holiday season for its end-of-year business boost. Holiday shopping brings a large increase in foot traffic which leads to boosted sales. To attract the spike in sales, businesses use eye-catching holiday decorations, announce special sales and hire additional (usually temporary) staff to create a festive atmosphere and cater to this influx of customers. However, the added business brings distractions and the increased risk of accidents and injuries.

Because they are new to your operation and procedures, seasonal employees usually present the highest risk. In fact, some of these injuries could cause them to be absent from work. Not only would you have employee injuries to deal with, but you would have fewer staff than expected just when you need them the most. But by incorporating workplace safety training into your employee orientation, you can avoid many of the headaches.

If you could use a few tips to minimize holiday accidents, just click "Read More" below...

It’s back-to-school time again. We thought it might be a good time to review some of those circumstances that are unique to the school year, especially as they relate to your insurance coverage and liability.

From bus riding, to carpooling, to securing your child's belongings, you can find helpful information by click "Read More".

A picturesue drive – whether it’s across town or across the country – is a real treat during the fall when the colorful foliage is at its peak. Here are a few suggestions from some of the most trusted travel sources around:

• 10 Best Fall Foliage Trips in the U.S. (Fodor’s Travel)
• America’s Best Towns for Fall Colors (Travel+Leisure)
• America’s Best Fall Foliage Drives (Travel+Leisure)
• 12 Best Fall Foliage Trips (Budget Travel)

As alluring as the scenery can be, the weather can be unpredictable this time of year as well, and leaves falling on the roadway can make for hazardous driving.

Click "Read More" below for a few precautions can make your fall road trip a success.

Will you soon have teens who will attend college away from home? If so, then you are likely already in the midst of handling that seemingly never-ending list of things to do before they’re ready for campus life. One item that is often overlooked is how this change in your family’s life will affect your insurance coverage. Will they be taking a car to school? What living arrangements will they have – in the dorm or off-campus? These are two of the many questions you’ll need to resolve that will likely affect your auto and homeowners insurance. Click "Read More" below for "Back to College Q & A" and insurance tips for your information.