The mile-wide tornado that tore through Moore, Oklahoma, yesterday caused widespread devastation to homes, schools, and businesses in addition to leaving tens of thousands without power and killing more than 20 people. 

As recovery begins, small businesses in and around the affected area are once again demonstrating the undying commitment to supporting their community that they’re known for around the country. 

Interestingly, the Small Business Administration is also offering much-needed disaster relief for both businesses and individuals affected by the storm. Read on for details on recovery efforts underway for the residents and businesses of Moore.

Small-Business Relief for Moore Tornado Victims

People affected by yesterday’s tornado may be able to find relief from a number of sources, including…

• FEMA: President Obama promised funds from the Federal Emergency Management Administration to Moore residents shortly after the tornado struck. FEMA has been in the national spotlight frequently in recent years, as disasters such as Hurricane Katrina and Hurricane Sandy left millions of Americans in need of large-scale assistance to return their lives to normal. 
• The SBA: While the Small Business Administration is perhaps best-known for providing loans and grants to the small businesses in the United States, it also offers lesser-known services in the event of natural disasters – even to those who don’t own businesses. Here’s the deal: homeowners may be able to qualify for loans of up to $20,000 to rebuild their primary residences, and renters may be able to obtain loans of up to $40,000 to replace property for which they didn’t carry insurance. Because the loans come from the SBA, their interest rate is likely more affordable than comparable loans would be from a bank or credit union. While payouts from an insurance agency would have come without any repayment obligation, low-interest loans may be a nice second-choice option for those without any coverage at all.
• Nearby businesses, schools, and churches: As happened after the Boston Marathon bombing, local businesses around Moore have volunteered to help people affected by the tornado. At present, several businesses, churches, and schools are serving as hubs and distribution centers for donated supplies (including water, sports drinks, and canned food) intended to help tornado victims. (View a list of where to find relief supplies.) 

Our hearts go out to the victims of the Moore tornado, and the whole insureon team applauds the efforts of the businesses that have stepped up to help the community recover.

For any small-business owner, the liability risks associated with data breaches are significant: if customer data you store becomes compromised because of a hacking or fraud incident, you could be responsible for compensating your clients for associated financial losses, for notifying clients about the details of the breach, and for paying damages. 

In addition, you’ll probably have to invest money in public relations efforts targeted at restoring your company’s reputation. Together, these costs mount quickly and can spell out serious financial trouble for a small business.

And for law firms, data breaches are an even bigger concern.

How Do Data Breaches Affect Confidentiality Rules?

Thanks to attorney-client privilege laws, law firms must take into account extra considerations when establishing data protection standards. In addition to being held financially liable for losses associated with a data breach, lawyers could face legal discipline or penalties. Why? Two reasons:

1. Most states require lawyers to keep client information and communications confidential.
2. Many states have laws on the books that make specific provisions for evolving and emerging technology that requires lawyers to take necessary protective steps to shield information, regardless of its digital format.

Because of the potential for law firms to face massive financial penalties if and when they experience a data breach, many banks and lenders demand that lawyers carry Data Breach Insurance (also called Cyber Liability Insurance) in order to qualify for a loan.

But a law firm doesn’t have to be victimized by a data breach to experience digital liability issues.

Beyond Data Breaches: Other Privacy Concerns for Legal Professionals

In addition to data breach concerns, attorneys in private practice and those who run small law firms should consider the risks associated with…

• Social media channels, particularly if marketing efforts on these channels are outsourced.
• Mobile data, including any messages transmitted via smartphone or tablet.
• Email, blogs, and other digital communication channels that can be easily hacked or modified by third parties.
• Interruptions in various hardware and software systems, including those that handle billing.

Managing Data and Risk as a Lawyer

Given the high stakes for data security in a legal setting, attorneys need to be proactive in managing and reducing their exposure to risk. Risk management should include two pieces: reducing the risk exposure a firm faces and putting safeguards in place to handle the fallout of any breaches or incidents. Specifically, law firms can…

• Invest in antivirus software to prevent malicious attacks on customer data.
• Back up data as needed to ensure accessibility.
• Educate employees about confidentiality requirements as well as data security protocol.
• Limit access to sensitive data.
• Invest in a Cyber Liability Insurance policy to cover the costs associated with any data breach or exposure that occurs.

When actress Angelia Jolie announced in an Op-Ed in the New York Times this week that she chose to undergo a double mastectomy as a way of reducing her chances of developing breast cancer, healthcare officials and cancer awareness advocates had plenty to say. But in an interview with NPR, one fellow breast cancer survivor commented that Jolie’s operation, in many ways, can be understood just as much in terms of risk management as it can in terms of healthcare. 

As such, her choice to have surgery offers insight into how small-business owners can approach their risk management and insurance-purchasing decisions. 

Risk Management: a Numbers Game

While it may seem callous to compare a potentially life-and-death medical decision with the kinds of risk management decisions business owners make every day, sole proprietors and owners of micro businesses understand that a single risk management decision can mean the difference between the survival and failure of their firm. 

In Jolie’s case, the decision made sense from a numbers perspective: with a nearly 90 percent chance of developing breast cancer and a family history of early, cancer-related deaths, she saw the preventive surgery as a worthwhile investment in her future health.

Businesses that see similar numbers threatening the long-term viability of their firm can and should actively manage the risks they face. When managing those risks involves drastic measures (as in Jolie’s case), business owners have no better resource to help them than the numbers and statistics outlining their risk profile.

Data breaches provide a useful example. Research into data breach incidents shows that…

• The average cost of a data breach incident in 2012 was $194 per record, for an average of $5.5 million per organization per incident.
• 55%  of small businesses will experience a data breach at some point in their operations.
• 53% of businesses affected by a data breach will be hit with more than one.
• In 2012, only 35% of businesses carried Cyber Liability Insurance, which protects against data breaches. 

These numbers speak volumes: while the majority of small businesses will experience at least one data breach at some point, only about a third of them carry the insurance that will cover the costs associated with that breach. Even more troubling? Many prominent data breaches in recent years were attributed to data security failures at the most basic level: easily guessable passwords, passwords left unencrypted, and passwords that weren’t regularly changed.

Even if you think a Cyber Liability policy is beyond your financial means, you can easily (and inexpensively) implement effective data security measures that will dramatically decrease your chances of experiencing a data breach.

When to Take Drastic Risk Management Measures

So given the importance of making risk management decisions based on data, is there any analog to Jolie’s double-mastectomy decision for small-business risk management? Absolutely. Keep in mind, of course, that Angelina Jolie has a rare gene mutation that puts her at higher risk for developing breast cancer than the general population, and that her risk level was higher even than others with the gene mutation.

Your business might be in a similarly high-risk position if it…

• Is located in an area prone to hurricanes, flooding, earthquakes, fires, or other natural disasters.
• Relies heavily on a supply chain in an area of the world prone to natural disasters or political unrest that could prevent suppliers from delivering essential materials.
• Gets a large percentage of its business from one or two major clients.
• Operates within narrow financial margins or with little to no cash cushion.
• Collects and/or stores a lot of customer data.

While you can’t insure your business against all of these risks (for example, against not having many clients), you can take bold risk-management action to minimize the likelihood that any of your biggest risks will lead to a major loss. How? The process starts with taking the time to honestly evaluate where your business is vulnerable and what you can do to make it less so.

If, for example, you rely heavily on one or two major customers, you might want to devote more time to winning new customers or otherwise diversifying your revenue streams. If you’re in a flood-prone area, store valuable equipment as high as possible and ask your insurance provider about a flood rider to your Property Insurance policy.

The bottom line here is that, for  most of the risks you face, you have a choice of whether or not to be blindsided by them. With careful attention to available data, you can prepare your business to successfully weather most of the events that have the potential to disrupt your business and drain your funds. 

Writtten by Brenna Lemieux - check her out at Google+ or Twitter

If you haven’t been dining at the hottest big-city restaurants in recent months, you may not have noticed that more and more top-tier dining establishments are adopting no-reservations policies. But increasingly, uber-chic restaurants (including those that serve standing-room-only crowds) are eliminating traditional reservations systems in favor of first-come-first-served seating.

The result? At some of the nation’s hippest spots, lines start forming in the late afternoon for coveted dining room seats.

At other hot eateries, restaurant owners allow reservations only at set times of the month or require diners to claim their place weeks in advance. In short, the act of eating out at some restaurants has come to mean a lot more than having a meal with friends.

The Risky Side of Reservations

So why the break from tradition? The answer varies depending on the establishment. Some restaurants want to promote a sense of equality and community: anybody who happens to be in the neighborhood when they get hungry can, in theory, eat at the restaurant.

Other eateries have found that reservations can be a cash drain, negatively impacting the bottom line. Restaurants that allow reservations only for large parties, for example, report that some guests reserve a place but end up bringing fewer than the required minimum people to dinner, which costs the restaurant owners revenue they could have brought in by maximizing seating arrangements.

The Risk of No Reservations

Of course, if you refuse to take reservations and yours isn’t the swankiest spot in town, you risk alienating diners who appreciate the guarantee of having a predetermined seating time. 

And owners of cafés, bakeries, and coffee shops face a whole different conundrum when it comes to reserving space: while reservations aren’t the norm for informal dining spots, more than one coffee shop owner has bemoaned the patron who purchases a single coffee and camps out for hours at a valuable table.

But the alternative – establishing a minimum order for tables, say – doesn’t appeal to many shop owners or diners. 

Which Works Better: Reservations or None?

As a restaurant owner or diner, where do you fall on the reservations question? Let us know whether or not you accept reservations (or prefer eateries that take them) and why!

Writtten by Brenna Lemieux - check her out at Google+ or Twitter

If you follow insureon on Facebook, you already know that we’ve been spending some time with our partner Ronda Rousey in L.A. the past few days. Working with the MMA star has taught us a valuable lesson about business protection: in order to be truly effective, it needs to happen at every level, as part of every decision you make, down to the food you feed your team members.

Read on to find out how the Ronda Rousey diet (or something like it) can play a key role in your overall business protection and risk management strategy.

Managing Healthcare Costs with Healthier Snacks

As a professional athlete, Ronda must fuel her body with high-quality foods to maintain her daily training regimen. And even when she’s doing something other than preparing for her next fight, she’s careful to eat only the nutritionally sound meals – at her level of competition, her performance would suffer if she did otherwise.

During the insureon shoot in L.A. this week, Ronda enjoyed the assorted berries we provided for her: lychees, açaís, blueberries, and strawberries. The snack helped fuel her, and she appreciated that we avoided offering typical on-set treats that she wouldn’t have been able to eat.

As a small-business owner, you may not have the resources to provide your team with exotic produce every day, but you would be wise to encourage healthy habits in and away from the office, especially as provisions of the Affordable Care Act (Obamacare) start to take effect, potentially requiring you to fund health insurance for your employees.

To keep your healthcare insurance costs to a minimum, consider offering your team…

• Filtered or bottled water to encourage them to stay hydrated and avoid sugary alternatives.
• Discounts on gym memberships.
• Incentives or friendly competitions to encourage regular exercise.
• Flexible work hours that let them work out before work, after work, or during lunch.
• Snacks like nuts, fresh fruit and veggies, seeds, and whole grains instead of typical office fare like candy and donuts.

You may not be able to convince your entire staff to adopt the Ronda Rousey diet, but you can help them make subtle changes that improve their health – and help keep your Health Insurance costs low.

Minimizing Workplace Injuries by Building an Engaged, Alert Team 

Beyond matters of Health Insurance, fueling your employees with healthy foods may help you minimize other types of liability, particularly Workers’ Compensation. Workers’ Comp claims occur when an employee is injured or made ill on the job and sues your business for the costs of recovery or lost work time.

Employees who are tired and sick are more likely to make the kind of mistakes that lead to acute injuries (like dropping heavy equipment on a toe), so providing health-promoting (and energy-boosting) snacks is one way to prevent the kind of accidents that can cost your firm time and money.

In addition, providing healthy snacks shows your employees that you care about their wellbeing and may contribute to higher levels of on-the-job engagement. Engaged workers tend to perform better in a variety of ways, which could lead to fewer accidents of the sort that lead to injuries down the line.

Even better? Engaged employees are more likely to be cheerful and provide top-quality customer service, which can help stave off lawsuits from customers dissatisfied with your work.

Want to know more about why we spent two days in L.A. with Ronda Rousey? Like us on Facebook to stay in the loop – we’ll be posting updates in the coming weeks! 

Writtten by Brenna Lemieux - check her out at Google+ or Twitter

Janitors and owners of professional cleaning services are often placed in a rather precarious position, liability-wise.  Employees must travel to their job location, they often have keys to others' buildings and offices, and they often work late at night when buildings are empty or nearly so.  They frequently handle (or work near) delicate and expensive items, and they use cleaning solutions that can be caustic or cause floors and other surfaces to be slippery.  

Any of these situations can lead to a lawsuit.  And even if the allegations are baseless or frivolous, one lawsuit can still wipe out your finances and put into jeopardy the company you've invested so much in.  That's where janitorial insurance comes into play. Read on for answers to common questions about insurance for janitors and professional cleaners.

1. I have a General Liability Insurance policy, so why do I need more?

While your janitorial business almost certainly needs a General Liability policy, that coverage alone is likely not enough to adequately cover all your unique risks.  A janitorial service operating without a janitorial Errors & Omissions policy – sometimes called Janitorial Liability Insurance – is like a doctor practicing medicine without Malpractice Insurance.  General Liability and E&O Insurance are not the same thing, and a janitorial service can benefit from both. 

2. What does Janitorial Errors and Omissions Insurance cover?

To begin with, E&O Insurance covers you (the business owner), plus any employees of your company and any subcontractors you hire.  Anyone can make a mistake, and sometimes a mistake in the janitorial business can end up costing a client a great deal.  Few janitorial companies can afford to take a full hit in today's legal system without insurance coverage.  

Among other things, a Janitorial E&O policy covers legal defense costs, even if the claim against you is baseless and you win the case. And if you lose the case, it also covers the damages you may have to pay, including court costs, up to the predetermined limits of your policy.

3. Even so, do I really need Janitorial E&O insurance?

Even if you believe your risk of facing a lawsuit is too low to warrant carrying insurance, know that many clients who hire a janitorial service require them to carry current Errors and Omission Insurance before they will hire them.  Most companies also require that the Janitorial Liability coverage extend to any subcontractors the janitorial service may hire. 

This best practice is in place to protect both janitorial services and their clients. For example, what happens if your company waxes a floor and someone slips and falls on it?  What happens if one of your employees accidentally knocks over a priceless vase while cleaning an office?  What happens if $1,000 mysteriously vanishes from a petty cash box while your crew is cleaning an office?  Each of these scenarios (and many others) could easily occur, and if they did, your service could be on the wrong end of a multi-million dollar lawsuit.

4. What is not covered by Janitorial Liability Insurance?

Vehicles are not covered by most Janitorial Insurance policies, so ask specific questions regarding vehicles.  If your business caters to both commercial and residential customers, make sure your agent is aware of this, as coverage for one will not necessarily mean you are covered for both.  Ask your agent about fire protection as well.  Many of the chemicals used for cleaning are flammable, but coverage for fire damage may require a separate policy.

5.  Are hazards to my workers covered?

In most cases, the answer is no.  Janitorial Liability Insurance does not cover your company if an employee sues your firm for lack of proper protective measures, for sexual or other forms of harassment, or for medical expenses or wages should they be hurt while on a job.  

It also doesn’t cover employees who might be attacked on a job site, hurt by improperly using a power tool, or exposed to hazardous or toxic chemicals.  For these hazards, a separate Workers’ Compensation policy is required.

Janitorial services involve a wide range of risks and exposure which may not be covered by one policy alone.  It's a good idea for you to speak with an expert insurance agent on how to get your business protected.  It is also possible to get an insurance professional to read over existing and new contracts and point out potential pitfalls which could result in a lawsuit.  

A good insurance agent will also be happy to review your company policies with an eye toward making your business safer and less prone to lawsuits. By combining a tailored policy with up-to-date best practices, you'll be one giant step closer toward protecting the business you've worked so hard to build.

Writtten by Brenna Lemieux - check her out at Google+ or Twitter

If you own a business and rent your business premises, you’ve probably wondered what kind of responsibility you have for keeping those premises in good shape – and what your liability exposure is if damage to the property affects your inventory or equipment.

Here’s an overview of how renter’s insurance works and what to look for when purchasing a renter’s policy.

What Is a Renter’s Policy?

In the insurance industry, a renter’s policy is a type of coverage officially called “Damage to Premises Rented to You.” In the past, this kind of coverage was known as “Fire Legal Liability Coverage” – but whatever name you know this coverage by, the protection it offers is the same. (Related: "Steps to Eliminate Uncertainty for Small Business.")

In most cases, a renter’s policy…

• Is included in your General Liability Insurance policy. While it’s an essential protection for most small businesses, renter’s insurance doesn’t exist as a standalone policy. Instead, it’s most often included in the General Liability policy tailored to your business. To determine whether your GLI policy offers protections for damages to your rented premises, read through it carefully or consult with your agent.
• Offers protection for fire and other types of damage. One of the biggest threats to businesses that rent property is the threat of damage from fire. Particularly if you rent property in a multi-unit building and don’t have control over every unit, the wellbeing of your merchandise and equipment is dependent on how well other people manage their fire risk. One key way a renter’s policy protects your business is to cover damages caused by fires, explosions, and lightning. 
• Is necessary if you don’t own your business premises. There’s a good chance your landlord carries Property Insurance for his or her building – and there’s an equally good chance that that insurance doesn’t provide any coverage for the losses you sustain while renting your unit. In many cases, landlords require commercial tenants to carry specific types of insurance (including, frequently, a renter’s policy) in order to rent space in their building.

What Are the Limits of Damage to Premises Rented to You Coverage?

Like most kinds of insurance coverage, Damage to Premises Rented to You renter’s coverage usually comes with specific coverage limits. Most often, limits outline how much a policy will pay for a single event of property damage caused by fire, explosions, or lightning. 

For a better idea of what specific types of coverage are provided by a General Liability Insurance policy, check out our page on General Liability Insurance. 

Writtten by Brenna Lemieux - check her out at Google+ or Twitter

For the millions of Americans who operate a full- or part-time business out of their homes, the question of whether to invest in work-at-home insurance (also sometimes called self-employed insurance) is of critical importance. And given the tight financial margins of many home-based businesses, finding insurance that offers protection without breaking the bank can be just as stressful as worrying about the many risks a business faces.

With that in mind, here’s an overview of how work-at-home insurance functions, what exposures it protects your business from, and how to find a policy that meets your needs and your budget.

What is Self-Employed Insurance?

Self-employed insurance is one name for the kind of business liability insurance that protects owners of home-based businesses from the various risks that threaten the viability of their business ventures. These risks include…

• Storms that damage business property (such as computers, printers, or inventory).
• Theft incidents that damage a home office or result in the loss of goods.
• Injuries that occur to clients or other third parties while they’re visiting your office for business purposes.
• Work you do that causes physical harm or financial loss to a client.

The potential losses that stem from damaged or stolen property are obvious: without your gear, it’s hard to perform your work. Losses from injuries or damage to clients can affect your business less directly. An unhappy client (or supplier or other third party) who feels that you’re responsible for their injury or financial loss could easily sue you for damages.

Even if their suit is frivolous, you’ll have to pay a lawyer to present your defense in court, along with any relevant court fees. The various types of work-at-home insurance offer coverage for these costs, as well as the cost of any judgment or settlement for which your business is ultimately found liable.

How Can I Save Money on Work-at-Home Insurance?

The good news is that insurance companies understand that small and home-based businesses have a unique set of coverage needs. To accommodate these needs, they created what’s called a Business Owner’s Policy, or BOP. The BOP combines General Liability Insurance and Property Insurance into a single package for a discounted premium.

This means that you can secure significant protection for your business (and peace of mind for yourself) for a reasonable premium. 

Do I Really Need a Self-Employed Insurance policy?

While purchasing business insurance doesn’t make sense for every self-employed individual, it’s important to understand that your Homeowner’s Insurance policy most likely does not protect the risks associated with your home-based business. (See an infographic on the limits of Homeowner's Insurance.) If you choose not to carry a self-employed insurance policy, you might want to consider starting a dedicated savings account you can dip into in the event of crises. 

Still have questions about work-at-home insurance? Contact one of our insureon agents today and receive direct answers about your home-based business needs!

Writtten by Brenna Lemieux - check her out at Google+ or Twitter

Owners of child daycare centers have to adhere to strict regulatory guidelines designed to protect the safety, health, and education of the children who attend these facilities. If you’re thinking of starting a child daycare center, be sure you consider the many regulatory requirements you’ll need to meet in order to comply with state and local guidelines.

• Licenses and permits: Licenses for running daycare centers are regulated at the state level. Requirements and licensing policies vary from one state to another, and many are highly specialized: depending on where you live, you may have to have age-specific licenses for the children you serve. Be diligent about securing the licenses you need; without proper paperwork, you likely won’t be able to secure liability insurance for your daycare center.  
• Staffing issues: Most states require daycare center staff members to have at least some specialized training. Many states also limit the ratio of children to staff members, meaning that you’ll have to coordinate your employee list with the number of children who enroll in your center. As with licensing requirements, staffing guidelines are a key component that insurance companies analyze when writing coverage policies for daycare centers.
• Building safety: Depending on where you plan to operate your daycare center, you may have to choose a building with specific safety features, which can range from covers for outlets to bolsters for furniture to non-toxic building and decorating materials. In addition to housing your daycare in a building that meets specific safety standards, you may be required to purchase furniture designed for the age group you plan to serve.
• Health and sickness policies: Preventing the spread of sickness in daycare centers is a key risk management consideration. Anyone who plans to run a daycare center should have policies in place for when parents should keep their children home, how instructors should handle illness or injury, and how instructors will keep the daycare facility clean.
• Crisis management: Owners of child daycare centers, like owners of any business, should establish a plan for managing various crisis situations, including fires, floods, power failure, and injury. Educating staff about these plans will help ensure that damage is minimized in the event of a crisis.

Protecting Your Child Daycare Center Business

Whether you choose to run a daycare center as a for-profit or not-for-profit enterprise, you can protect your business in part by investing in appropriate business insurance policies. (Read more about insurance for nonprofit organizations on our "Business Insurance for Nonprofits" page.) Typically, daycare center owners can expect to buy…

• General Liability Insurance: This coverage shields you against personal injuries and damage to the property of third parties (including the children you serve).
• Professional Liability (Errors & Omissions Insurance): This coverage protects you against charges that the curriculum you teach isn’t adequate or is harming your children. Some policies provide full coverage of the legal cost of defending yourself against such charges.
• Specialized abuse coverage: This daycare-specific coverage protects you and your staff against allegations that you mistreated the children in your care.
• Property Insurance: This provides protection for your business premises and the toys, tools, and equipment you use to do your job. 

Some insurance carriers offer all of these policies bundled together, which makes purchasing adequate coverage more efficient. 

Writtten by Brenna Lemieux - check her out at Google+ or Twitter

Here at insureon, we consider ourselves pretty lucky to be able to talk every day to small-business owners whose innovation and hard work help change the world we live in. So you can imagine how stoked we were last week when we saw that BusinessInsider.com ranked our newest partner, Ronda Rousey, as one of the “50 Women Who Are Changing the World.” (Read more about our partnership with Ronda Rousey.)

The feature includes brief profiles of women from around the globe (including the likes of Michelle Obama, Hillary Clinton, Sheryl Sandberg, and Angela Merkel) and explains how each has helped transform the world we live in. 

Fighting for (and as) the Underdog

One reason we’re so thrilled by Ronda’s well-deserved recognition is that her accomplishments as a professional MMA fighter in many ways parallel the accomplishments achieved by small-business owners.

Just as Ronda has had to fight tooth and nail (sometimes literally) to earn respect in a sport dominated by men, small-business owners often have to claw their way to profitability in an economy designed to benefit much larger companies. 

What’s more, Ronda’s work as an MMA fighter often requires her to dedicate hours upon hours of solo time to training, conditioning, studying her competition, and preparing mentally for fights. The work of entrepreneurs is similarly solitary much of the time, and requires a similarly large investment of time and energy before yielding significant payoffs.

Protecting Your Investment with insureon

Now that Ronda Rousey has risen to national prominence, her support staff is growing. Because of all the hard work she’s invested in her career since her childhood, she’s able to enjoy assistance from a team of people dedicated to helping her perform at the top of her game every day.

For small-business owners, having a support staff (even if it only includes a few employees) is often a pipe dream that seems out of reach. Until you’re able to grow to the point that you don’t have to rely on yourself to do everything that needs to be done, you can partner with insureon for protection from some of the most significant risks that threaten the financial wellbeing of your business.

We’re happy to count more than 30,000 small businesses among our protected partners, and we’re constantly introducing new types of coverage that allow us to protect more of the nation’s smallest enterprises. (Read about our newest coverage, which protects e-cigarette retailers.) And we’re proud to count one of the world’s most influential women as a partner to our efforts. 

Writtten by Brenna Lemieux - check her out at Google+ or Twitter