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New England’s Foy Insurance coverage Group Acquired by World Insurance coverage



New England’s Foy Insurance coverage Group has been acquired by nationwide dealer World Insurance coverage Associates.

The Foy company, headquartered in Exeter, New Hampshire, has been doing enterprise in New Hampshire for greater than 100 years. As we speak it’s one in all New England’s largest insurance coverage businesses, with places of work in New Hampshire, Maine and Massachusetts.

The family-run company supplies private and business insurance coverage, in addition to particular applications together with equine insurance coverage and sports activities insurance coverage. Mike Foy, president, mentioned that as a part of World, the company may have entry to extra services and products to satisfy clients’ insurance coverage wants.

Phrases of the transaction weren’t disclosed.


James M. Foy started his insurance coverage profession with Fireman’s Fund in Boston. He joined Bud Collishaw at long-time company Elwell-Collishaw in Exeter in 1968. He helped double the scale of the company inside a yr and purchased 50% possession.

The company started buying small native businesses. These included Poliquin Company with its three places of work in Nashua, Salem, and Manchester, an acquisition that elevated the scale of the company group by 75%. In recent times the company has opened two new places of work in Massachusetts, 4 in New Hampshire, and one in Maine.

As we speak, along with James, the company’s administration group consists of Mike, Jeff and Scott Foy, together with Dan Mariotti, Denise Stark, Mike Calzone and Peter Camello.

World Insurance coverage Associates is headquartered in Iselin, N.J. Since its founding in 2011, World has accomplished greater than 200 acquisitions and serves its clients from greater than 250 places of work throughout the nation. World is ranked #15 on the Prime 100 P&C Businesses by Insurance coverage Journal, ranked #19 on the Prime 50 Private Traces Businesses and ranked #19 on the Prime 50 Industrial Traces Businesses by Insurance coverage Journal.

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QR codes could also be a gateway to id theft, FTC warns



Westend61 | Westend61 | Getty Pictures

You might wish to assume twice earlier than scanning that QR code.

The codes — a digital jumble of black and white squares, typically used for storing URLs — have develop into seemingly ubiquitous, discovered on restaurant menus and in retail shops, for instance. Nonetheless, they will pose dangers for the unwary, the Federal Commerce Fee warned Thursday.


About 94 million U.S. shoppers will use smartphone QR scanners this yr, in line with a projection by eMarketer. That quantity that may develop to 102.6 million by 2026, it mentioned.

There are numerous methods to make use of them, which explains their reputation, in line with Alvaro Puig, an FTC shopper schooling specialist, in a consumer alert.

“Sadly, scammers disguise dangerous hyperlinks in QR codes to steal private info,” Puig mentioned.

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Why stolen private information is an enormous deal

Here is why that issues: Id thieves can use victims’ private information to empty their checking account, make costs on their bank cards, open new utility accounts, get medical remedy on their medical health insurance and file a tax return in a sufferer’s identify to say a tax refund, the FTC wrote in a separate report.


Some criminals cowl up the QR codes on parking meters with a code of their very own, whereas others ship codes by textual content message or e-mail and entice victims to scan them, the FTC mentioned in its shopper alert.

How odometer fraud became a $1 billion problem

The scammers typically attempt to create a way of urgency — for instance, by saying a package deal could not be delivered and that you must reschedule, or that that you must change an account password attributable to suspicious exercise — to push victims to scan the QR code, which can open a compromised URL.

“A scammer’s QR code may take you to a spoofed web site that appears actual however is not,” Puig wrote. “And in the event you log in to the spoofed web site, the scammers may steal any info you enter. Or the QR code may set up malware that steals your info earlier than you notice it.”

Tips on how to defend your self

Here is the best way to defend your self from these scams, in line with the FTC:

  • Examine URLs earlier than clicking. Even when it seems to be like a URL you acknowledge, test for misspellings or a switched letter to make sure it is not spoofed.
  • Do not scan a QR code in a message you were not anticipating. That is very true when the e-mail or textual content urges quick motion. If you happen to assume it is a reputable message, contact the corporate by way of a trusted methodology like an actual telephone quantity or web site.
  • Defend your telephone and on-line accounts. Use robust passwords and multifactor authentication. Maintain your telephone’s OS updated.

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New Orleans Marsh Hearth Blamed For Deadly Freeway Crashes is Out After Burning For Weeks



NEW ORLEANS (AP) – A cussed, smoky marsh hearth that contributed to deadly automobile crashes on fogbound highways and typically fouled New Orleans air with a pervasive stench has been fully extinguished after burning for over a month, the New Orleans Hearth Division stated.

The division posted a web based discover Monday declaring the fireplace, first reported on the japanese fringe of the town in mid-October, to be out. Officers have been near declaring the fireplace out late final week. Firefighting efforts have been already winding down earlier than heavy weekend rains led to the evaluation that the fireplace was fully out, the division stated.

Smoke and fog have been blamed for an Interstate 10 crash that killed one particular person on Nov. 7 within the New Orleans space. And what the Nationwide Climate Service dubbed a ” tremendous fog ” occasion – thick fog blended with smoke from the smoldering natural materials within the marsh – was blamed for a sequence of horrific, typically fiery crashes on Intestate 55 close to New Orleans on Oct. 23. Seven folks died because of this.

In October, Louisiana Agriculture Commissioner Mike Pressure defined that though marshes are thought-about wetlands, they will dry out, significantly when the state is struggling by means of a drought. When the dry grass ignites, “it burns not solely the grass on prime, it burns by means of the crust and the peat layer beneath,” Pressure stated.


State and native authorities fought the blaze. Nevertheless, The Instances-Picayune/The New Orleans Advocate reported final week that metropolis officers stated marsh fires have satisfied them that the town division, which usually offers with city construction fires, wants extra coaching and gear to fight marsh fires.

Picture: On this aerial picture, responders are seen close to wreckage within the aftermath of a multi-vehicle pileup on I-55 in Manchac, La., Monday, Oct. 23, 2023. A “superfog” of smoke from south Louisiana marsh fires and dense morning fog triggered a number of visitors crashes involving scores of automobiles. (AP Picture/Gerald Herbert)

Copyright 2023 Related Press. All rights reserved. This materials might not be revealed, broadcast, rewritten or redistributed.

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Biden administration asserts energy to grab drug patents



President Joe Biden speaks about defending Social Safety, Medicare, and decreasing prescription drug prices, throughout a go to to OB Johnson Park and Group Heart, in Hallandale Seaside, Florida, on Nov. 1, 2022.

Kevin Lamarque | Reuters

The Biden administration on Thursday opened the door to seizing the patents of sure pricey drugs from drugmakers in a new push to slash excessive drug costs and promote extra pharmaceutical competitors.


The administration unveiled a framework outlining the elements federal companies ought to take into account in deciding whether or not to make use of a controversial coverage, often called march-in rights, to take patents for medication developed with taxpayer funds and share them with different pharmaceutical firms if the general public can not “fairly” entry the drugs. Doing so might result in the event of lower-priced generic options, which might lower into key drug firms’ income and cut back prices for sufferers.

For the primary time, officers can now consider a medicine’s value in deciding to interrupt a patent.

“We’ll make it clear that when drug firms will not promote taxpayer-funded medication at cheap costs, we shall be ready to permit different firms to supply these medication for much less,” White Home Nationwide Financial Advisor Lael Brainard stated throughout a name with reporters Wednesday. 

It’s unclear whether or not and the way federal companies will use march-in rights below the brand new framework. Notably, “no company so far” has exercised the coverage, which happened below the Bayh-Dole Act of 1980, a senior administration official instructed reporters Wednesday.

The framework shall be open to public remark for 60 days.


The administration’s announcement follows a nearly nine-month review of the federal authorities’s march-in rights, which aimed to replace the framework for utilizing the coverage.

It additionally comes as President Joe Biden makes lowering U.S. drug prices a key pillar of his health-care agenda and reelection platform for 2024. 

Political strain has pushed health-care firms to launch their very own efforts to decrease drug costs. CVS on Tuesday unveiled a new prescription drug pricing model, which might doubtlessly lower prices for sufferers on the pharmacy counter.

Practically three in ten Individuals wrestle to pay for the medication they want, in keeping with a July survey from well being coverage analysis group KFF. And a few research means that U.S. sufferers spend about $1,200 extra per particular person on prescription drugs than these in another nation.

But taxpayers have spent tens of billions of dollars to fund a whole bunch of medicine within the final decade — which the Biden administration believes might justify extra authorities motion to chop costs.


The administration’s new push to make use of march-in rights might finally have main ramifications for the pharmaceutical business, which has lengthy argued that the coverage discourages analysis and improvement of latest medication.

Activists protest the value of prescription drug prices in entrance of the U.S. Division of Well being and Human Companies (HHS) constructing on October 06, 2022 in Washington, DC.

Anna Moneymaker | Getty Photos

Drugmakers have argued that seizing the patent for a medicine makes that therapy weak to competitors, which may cut back an organization’s income and restrict how a lot it could actually reinvest into drug improvement.

That pushback has made the federal authorities reluctant to make use of march-in rights prior to now, which has pissed off progressives on Capitol Hill. 


On Thursday, Sen. Elizabeth Warren instructed CNBC that the Biden administration’s new framework “is utilizing the correct method total, which is use each instrument within the toolbox to carry down drug costs.”

“When there is not any competitors in a market, then that falls exhausting on individuals who want that drug,” the Massachusetts Democrat stated. “It additionally falls exhausting on taxpayers who find yourself paying for it by means of different authorities applications.”

She added that march-in rights have existed within the legislation for a very long time. However that energy hasn’t been “picked up and used very aggressively,” so she is glad to see the administration “transfer on this route.”

In the meantime, the pharmaceutical business’s largest lobbying group slammed the Biden administration’s push to train march-in rights in a press release. 

“This could be yet one more loss for American sufferers who depend on public-private sector collaboration to advance new therapies and cures,” stated a spokesperson for Pharmaceutical Analysis and Producers of America, which represents drugmakers equivalent to Pfizer, Eli Lilly and Johnson & Johnson. “The Administration is sending us again to a time when authorities analysis sat on a shelf, not benefitting anybody.”


Each the Obama and Trump administrations have rejected march-in requests from lawmakers and affected person advocates. The Trump administration even proposed a rule that would stop the federal government from exercising the coverage based mostly on the excessive value of a drug alone. 

The Biden administration selected to not finalize that proposal earlier this 12 months, in keeping with a launch from the White Home on Thursday. 

However the Biden administration has additionally shied away from utilizing march-in rights up till now. In March, the administration declined to break the patent of the pricey prostate most cancers drug Xtandi from Astellas Pharma and Pfizer. 

The drugmakers cost greater than $150,000 a 12 months for Xtandi within the U.S. earlier than insurance coverage and different rebates, however cost a fraction of that price in different developed nations.

The Biden administration has tried to decrease drug costs in different methods, equivalent to giving Medicare the facility to negotiate drug prices for the primary time within the federal program’s 60-year historical past as a part of the Inflation Discount Act. 


However Xtandi was excluded from the first ten medications the federal government chosen for negotiations, which prompted Astellas Pharma to drop a lawsuit it filed to halt the value talks.

Additionally on Thursday, the Biden administration unveiled efforts that purpose to counter anticompetitive practices by huge health-care firms.

Some goal non-public fairness corporations, which have been shopping for up doctor practices, nursing houses and different well being care suppliers. Personal-equity possession within the health-care business has ballooned, with roughly $750 billion in offers between 2010 and 2020, in keeping with a report from the American Antitrust Institute.

The administration is worried that company house owners are “maximizing their income on the expense of sufferers’ well being and security, whereas growing prices for sufferers and taxpayers alike,” in keeping with a White Home truth sheet.

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Prices of Small Enterprise Cyberattacks Are Down However Frequency Is Up, Says Hiscox



The less-than-encouraging information: Solely a 3rd (33%) of US small companies contemplate cyber threat excessive or very excessive.

The considerably encouraging information: 53% of U.S. small companies have both a standalone cyber insurance coverage coverage or have cyber protection by way of one other coverage.

The annual Hiscox Cyber Readiness Report, which gauges companies’ preparedness to fight cyber incidents and breaches, surveyed over 5,000 cyber safety professionals throughout the globe, together with greater than 500 small enterprise professionals within the U.S.

Among the many US companies surveyed, the reported median value of cyberattacks has decreased from $10,000 in 2022 to $8,300 in 2023. Nonetheless, the median variety of assaults has risen from three in 2022 to 4 in 2023.


Whereas over half (53%) reported that they’re insured towards cyberattacks, preventative measures in techniques and coaching lag.

Regardless of a ten% improve in median IT budgets and a 24% improve in cybersecurity spending over the past 12 months, 59% of small companies don’t use safety consciousness coaching.

Two out of 5 (43%) companies surveyed don’t have network-based firewalls, and 41% surveyed don’t use knowledge backup restoration and restoration techniques. With regards to cyber experience, 63% of small companies within the US are intermediates, and solely 4% are cyber specialists.

“Within the unending arms race of cyber criminals versus cyber safety, new expertise developments and worker coaching can tip the scales both manner,” mentioned Chris Hojnowski, Vice President and Product Head of Expertise and Cyber for Hiscox within the US.

“Phishing continues to be the most typical level of entry for ransomware assaults, and new developments like AI can undermine our tried and trusted methods of recognizing a phishy electronic mail,” he mentioned. “Proactivity is one of the best type of protection in the case of cyber, and a workforce is simply as robust because the weakest hyperlink – or least-trained worker – within the chain.”


Each coaching and up-to-date system safety are crucial to stopping assaults.

In ransomware assaults, the most typical factors of entry have been phishing (53%), unpatched servers/VPN (38%) and credential theft (29%).

Is paying the ransom price it? The numbers say in all probability not. Amongst companies that paid ransoms, solely half (50%) recovered all their knowledge, and 27% of the time, hackers made extra calls for for cash. On prime of that, 50% of companies that paid a ransom have been pressured to rebuild techniques.

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Florida Household Sues Panera Bread Over Caffeinated Lemonade After Man’s Loss of life



FLEMING ISLAND, Fla. (AP) –The household of a 46-year-old Florida man has filed a wrongful loss of life and negligence lawsuit towards one of many largest fast-casual restaurant chains within the U.S., claiming Panera Bread Firm`s caffeine-filled lemonade drink led to his loss of life.

David Brown had hypertension and didn`t drink power drinks, however the lawsuit mentioned he believed the Panera Charged Lemonade was protected because it was not marketed as an power drink. It was supplied in the identical place because the restaurant chain’s non-caffeinated or less-caffeinated drinks, in line with the lawsuit filed Monday in Superior Court docket in Delaware, the place Panera Bread Firm is registered.

The lawsuit states that on Oct. 9, Brown had the drink thrice throughout a go to to the Panera Bread Firm location in Fleming Island, Florida. On his stroll dwelling, he suffered cardiac arrest and died a short while later. He had ordered a Panera Charged Lemonade at the very least seven occasions over the course of two weeks in September and October, in line with the lawsuit.

“Defendants knew or ought to have recognized that the Panera Charged Lemonade, as designed and formulated, as soon as consumed, might injure kids, pregnant and breastfeeding girls, and other people delicate to caffeine by inflicting catastrophic accidents and/or loss of life,” the lawsuit mentioned.


Nobody from Panera’s company places of work responded to an inquiry searching for remark Tuesday afternoon.

Brown had a chromosomal deficiency dysfunction, developmental delays, some blurred imaginative and prescient and delicate mental incapacity, the lawsuit mentioned. He had labored for 17 years at Publix Tremendous Markets and would usually go to the Panera restaurant after work for meals, as many as thrice per week, as a result of the lawsuit mentioned he felt the chain marketed as being a wholesome different to different eating places.

One other wrongful loss of life lawsuit was filed in October by the household of 21-year-old Sarah Katz, a College of Pennsylvania pupil with a coronary heart situation who died in September 2022 after consuming the drink, in line with media stories.

The privately-held Panera Bread Firm, which is headquartered in St. Louis, Missouri, operates in 48 U.S. states and Canada.

Picture: (AP Picture/Steven Senne, File)


Copyright 2023 Related Press. All rights reserved. This materials will not be revealed, broadcast, rewritten or redistributed.


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Lugano fait un pas de plus avec Bitcoin et Tether



13h00 ▪
min de lecture ▪ par
Ariela R.

La ville suisse de Lugano défraye la chronique en étendant ses choices de paiement aux monnaies crypto. En effet, elle permet désormais à ses citoyens de régler leurs taxes municipales en Bitcoin (BTC) et Tether (USDT).

Nouveau paiement crypto Bitcoin et Tether à Lugano
La ville suisse de Lugano adopte Bitcoin et Tether pour les paiements municipaux

La ville suisse de Lugano encourage le paiement de taxe en crypto Bitcoin et Tether

L’adoption des cryptomonnaies s’intensifie dans la ville suisse de Lugano. La ville la plus crypto-friendly franchit en effet une étape majeure en acceptant Bitcoin et Tether pour toutes les transactions municipales.

Cette initiative, ancrée dans le Plan B de Lugano, vise à transformer le paysage financier native en intégrant la blockchain et la crypto (dont Bitcoin et Tether) dans divers features de la vie quotidienne.

Grâce à un partenariat avec Bitcoin Suisse, la ville offre une possibility pratique et entièrement automatisée. Concrètement, les citoyens de Lugano peuvent scanner le code QR sur leurs factures et payer leurs impôts avec leur portefeuille préféré.

Bitcoin Suisse soutient l’initiative

La QR-Invoice suisse facilite le processus. Elle permet aux résidents de payer leurs impôts en Bitcoin et Tether en quelques clics seulement. Bitcoin Suisse, partenaire approach clé du Plan B de Lugano, salue cette avancée.  

« Lugano fait un grand pas en avant en devenant l’une des premières villes à accepter Bitcoin et Tether pour toutes les transactions, rendant ainsi les paiements plus flexibles et modernes pour tous. Cette décision fait partie du Plan B de Lugano, un effort de collaboration avec Tether visant à utiliser la technologie Bitcoin comme base pour transformer le système financier de la ville. Le plan vise à intégrer la blockchain dans divers features de la vie quotidienne à Lugano. »


L’engouement suisse pour la crypto

Lugano n’est pas seule dans cette révolution. D’autres villes suisses ont également adopté le Bitcoin pour le paiement des impôts. Tel est notamment le cas de Zoug et de Zermatt. Cette tendance reflète un mouvement plus giant vers l’acceptation de la crypto en Suisse.

Avec des initiatives antérieures telles que l’utility MyLugano et le franc numérique de Lugano, la ville prouve en tout cas son engagement continu envers l’innovation blockchain.

En acceptant le Bitcoin et le Tether pour les paiements municipaux, Lugano renforce ainsi sa place de pionnière crypto en Suisse. Elle pourrait même devenir la nouvelle capitale européenne de la crypto.

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Ariela R. avatar

Ariela R.

Je m’appelle Ariela et j’ai 31 ans. J’oeuvre dans le domaine de la rédaction internet depuis maintenant 7 ans. Je n’ai découvert le buying and selling et la cryptomonnaie que depuis quelques années. Mais c’est un univers qui m’intéresse beaucoup. Et les sujets traités au sein de la plateforme me permettent d’en apprendre davantage. Chanteuse à mes heures perdues, je cultive aussi une grande ardour pour la musique et la lecture (et les animaux !)


Les propos et opinions exprimés dans cet article n’engagent que leur auteur, et ne doivent pas être considérés comme des conseils en investissement. Effectuez vos propres recherches avant toute décision d’investissement.

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Pennsylvania Varieties Flood Insurance coverage Affordability Job Drive



Pennsylvania has established a process power to advocate insurance policies to make flood insurance coverage extra reasonably priced.

The Flood Insurance coverage Premium Help Job Drive will study potential applications that present premium reductions, incentives for native governments to help flood mitigation efforts, essential modifications to state statute or coverage concerning the administration of flood insurance coverage, and tips on how to improve the quantity of people that buy flood insurance coverage, both by means of the nationwide flood insurance coverage program or the non-public flood insurance coverage market.

Insurance coverage Commissioner Mike Humphreys will chair the duty power, which was established when Gov. Josh Shapiro signed HB 735 into regulation. The measure, sponsored by Rep. Perry Warren, handed the Home and the Senate with bipartisan help after devastating flooding impacted a number of Pennsylvania communities, together with Bucks County, over the summer time.

Shapiro stated the duty power will convey collectively leaders from his Administration and the Legislature to evaluation the wants of communities which might be at an elevated threat of flooding and advocate the most effective programs of motion to assist improve the variety of Pennsylvanians protected by flood insurance coverage.


In recent times, the Federal Emergency Administration Company revised its flood maps, which require that flood insurance coverage be obtained for extra properties. In consequence, flood insurance coverage premiums are rising.

“After flooding disasters, PID hears devastating tales from residents who thought they had been coated for flood by means of their householders’ insurance coverage coverage however weren’t. FEMA’s revised flood maps now require extra Pennsylvania properties to carry flood insurance coverage and many house owners are struggling to satisfy that requirement,” stated Pennsylvania Insurance coverage Commissioner Michael Humphreys. “PID strongly encourages insurance coverage brokers to focus on the supply of flood protection when assembly with purchasers to debate new or renewal protection – and we urge householders and renters to ask their insurance coverage brokers and insurance coverage corporations about flood protection.”

Flood insurance coverage has historically solely been out there to householders or renters by means of the Nationwide Flood Insurance coverage Program (NFIP), however at present there are extra choices for customers to think about. Flood insurance coverage is accessible by means of non-public insurers, together with surplus strains insurers, and could be bought by means of licensed property/casualty insurance coverage brokers in Pennsylvania to cowl nearly any constructing and its contents, together with rental property and condominiums. Tenants should purchase safety for his or her belongings as properly.


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Colorado-Primarily based Frontier Settles Go well with Filed by Pilots Who Claimed Bias Over Being pregnant, Breastfeeding



Frontier Airways has settled a lawsuit filed by feminine pilots who accused the airline of discriminating towards pregnant or breastfeeding staff.

Within the settlement Frontier will let pilots pump breast milk within the cockpit throughout “noncritical phases” of flights.

The Denver-based airline additionally agreed to let pilots who’re breastfeeding cut back their flying time and deal with being pregnant and breastfeeding the identical as different medical circumstances in the event that they make pilots unable to fly.

The settlement was introduced by the U.S. Equal Employment Alternative Fee. The company lodged fees towards Frontier in 2018, after a number of pilots sued the airline.


Aditi Fruitwala, a lawyer for the American Civil Liberties Union, one of many teams that filed the lawsuit, stated the settlement ought to ship a message to airways and different employers about making cheap lodging to pregnant and breastfeeding staff.

“We’re hopeful this may encourage extra change and stronger protections for staff throughout the airline trade,” Fruitwala stated.

Frontier`s vice chairman for labor relations, Jacalyn Peter, stated the airline is “on the forefront of accommodating the wants of pregnant and breastfeeding moms within the airline trade.” She stated advances in wearable lactation know-how made it doable to achieve a settlement that maintains security.

Final 12 months, Frontier settled the same lawsuit by flight attendants. The workers stated Frontier pressured them to take unpaid go away for pregnancy-related absences and didn`t allow them to pump breast milk whereas working.

Frontier didn’t admit legal responsibility in settling the lawsuits. Within the case involving Denver-based pilots, the airline additionally agreed to adjust to a present union settlement letting pregnant pilots fly if they’ve medical approval.


The airline additionally agreed to proceed to let breastfeeding pilots cut back their schedules to 50 hours of flying per thirty days, and to replace and make obtainable a listing of lactation services at airports.

Copyright 2023 Related Press. All rights reserved. This materials is probably not revealed, broadcast, rewritten or redistributed.


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California Labor Commissioner’s Workplace Reaches $5.5M Wage Theft Settlement



The California Labor Commissioner’s Workplace reached a $5.5 million settlement in opposition to Adat Shalom Board and Care Inc. to compensate 148 staff who labored on the employer’s six grownup care services in Los Angeles.

The workers cared for aged residents 24 hours a day, six days every week, however have been solely paid for six hours every day, in line with the settlement.

The primary cost of $2 million underneath the settlement settlement has been distributed to the employees.

The Labor Commissioner’s Workplace opened its investigation in June 2017 after receiving a report of labor regulation violations from the Pilipino Employees Heart, and issued citations in 2018. The PWC is a non-profit, community-based group that organizes and advocates low-wage staff, together with residential care staff.


Adat Shalom Board & Care and its proprietor/operator Angelica Reingold appealed the citations, which have been upheld in 2021. The Labor Commissioner’s Workplace later filed a lawsuit to reverse the switch of property, which resulted within the $5.5 million settlement.


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