--- title: EM Ford RiskGuide Blog (3) description: Check in with the team at EM Ford for updates on all of your insurance and financial planning needs. (3) --- - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) - [Contact](https://emford.com/contact/) - [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) [![E M Ford](https://blog.emford.com/hs-fs/hubfs/raw_assets/public/EMFord_May2020/images/Logo-EM-Ford.png?width=200&height=445&name=Logo-EM-Ford.png "E M Ford")](https://emford.com/) * ** * - [About](https://emford.com/about-our-agency/) - [Meet Our Team](https://emford.com/about-our-agency/meet-our-team/) - [Amazing Feedback](https://emford.com/about-our-agency/amazing-feedback/) - [We Are Independent](https://emford.com/about-our-agency/we-are-independent/) - 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[Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) - [Henderson, KY Insurance](https://emford.com/contact/henderson-ky-insurance/) - [Louisville, KY Insurance](https://emford.com/contact/louisville-ky-insurance/) - [Client Center](https://emford.com/client-center/) - [Our RiskGuide Blog](https://emford.com/riskguide/) - [info@emford.com](mailto:info@emford.com) - [Call 270-926-2806](tel:270-926-2806) ##### [Owensboro, KY Insurance](https://emford.com/contact/owensboro-ky-insurance/) 600 Frederica Street Owensboro, KY 42301 - [** ](https://twitter.com/EMFord1925) - [** ](https://www.linkedin.com/company/em-ford-%26-company-llc/) # EM Ford RiskGuide Blog Check in with the team at EM Ford for updates on all of your insurance and financial planning needs. - [Home](https://emford.com/) » - EM Ford RiskGuide Blog [![](https://blog.emford.com/hs-fs/hubfs/HACKERS%20SOCIAL%20FINAL-1.png?width=380&name=HACKERS%20SOCIAL%20FINAL-1.png) ](https://blog.emford.com/online-retailers-hacks-to-avoid-hackers) [Business Insurance](https://blog.emford.com/tag/business-insurance) ## [ONLINE RETAILERS: HACKS TO AVOID HACKERS](https://blog.emford.com/online-retailers-hacks-to-avoid-hackers) The concept of Black Friday and Cyber Monday has evolved an incredible amount over time-- with... [EM Ford](https://blog.emford.com/author/em-ford) November 24, 2020 [![](https://blog.emford.com/hs-fs/hubfs/online%20open%20enrollment%20social.png?width=380&name=online%20open%20enrollment%20social.png) ](https://blog.emford.com/the-switch-6-reasons-you-should-move-to-online-open-enrollment) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [The Switch: 6 Reasons You Should Move to Online Open Enrollment](https://blog.emford.com/the-switch-6-reasons-you-should-move-to-online-open-enrollment) Being a business owner comes with an immense amount of documentation and information that... [EM Ford](https://blog.emford.com/author/em-ford) November 18, 2020 [![](https://blog.emford.com/hs-fs/hubfs/Cold%20Weather%20Checklist%20Graphic.png?width=380&name=Cold%20Weather%20Checklist%20Graphic.png) ](https://blog.emford.com/preparing-your-home-for-winter) [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [Preparing Your Home for Winter](https://blog.emford.com/preparing-your-home-for-winter) ### Prep Your Home for Winter: Cold Weather Checklist It's no secret that the weather in Kentucky and... [EM Ford](https://blog.emford.com/author/em-ford) November 13, 2020 [![](https://blog.emford.com/hs-fs/hubfs/BENEFITS%20FOR%20EVERY%20BUDGET.png?width=380&name=BENEFITS%20FOR%20EVERY%20BUDGET.png) ](https://blog.emford.com/benefits-for-every-budget) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [Benefits For Every Budget](https://blog.emford.com/benefits-for-every-budget) When you are creating a well-rounded benefits package, it's time to start thinking outside of the... [EM Ford](https://blog.emford.com/author/em-ford) October 14, 2020 [![](https://blog.emford.com/hs-fs/hubfs/open%20enrollment%20social.png?width=380&name=open%20enrollment%20social.png) ](https://blog.emford.com/open-enrollment-steps-to-streamline-your-process) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [Open Enrollment: Steps To Streamline Your Process](https://blog.emford.com/open-enrollment-steps-to-streamline-your-process) Open enrollment is a tricky time of year for all parties involved-- so tricky, that it's often one... [EM Ford](https://blog.emford.com/author/em-ford) October 2, 2020 [![](https://blog.emford.com/hs-fs/hubfs/1.png?width=380&name=1.png) ](https://blog.emford.com/boost-your-benefits-talent-attraction-retention) [Employee Benefits](https://blog.emford.com/tag/employee-benefits) ## [Boost Your Benefits: Talent Attraction & Retention](https://blog.emford.com/boost-your-benefits-talent-attraction-retention) The job market can be a tricky place – whether you are finding a job or your looking to fill a... [EM Ford](https://blog.emford.com/author/em-ford) September 25, 2020 [![](https://blog.emford.com/hs-fs/hubfs/Small%20Biz%20Button%20CTA-2.png?width=380&name=Small%20Biz%20Button%20CTA-2.png) ](https://blog.emford.com/from-side-gig-to-small-biz-an-insurance-guide) [Business Insurance](https://blog.emford.com/tag/business-insurance) ## [From Side Gig to Small Biz: An Insurance Guide](https://blog.emford.com/from-side-gig-to-small-biz-an-insurance-guide) When you ask a lot of small business owners how their business got started, it’s common to hear... [EM Ford](https://blog.emford.com/author/em-ford) September 16, 2020 ## [Life Insurance 101: Things to Consider](https://blog.emford.com/life-insurance-101) Life insurance is something that everyone needs, but not everyone has. These policies are put into... [EM Ford](https://blog.emford.com/author/em-ford) September 10, 2020 [Personal Insurance](https://blog.emford.com/tag/personal-insurance) ## [Understanding Umbrella Insurance](https://blog.emford.com/understanding-umbrella-insurance) The purpose of obtaining insurance is protect you from the unexpected. But what happens when the... [EM Ford](https://blog.emford.com/author/em-ford) September 3, 2020 ## [Protecting Your Online Business](https://blog.emford.com/protecting-your-online-business) Last week,[ a California court](https://www.cnbc.com/2020/08/13/amazon-can-be-held-liable-for-faulty-goods-court-rules.html?__source=iosappshare%7Ccom.apple.UIKit.activity.CopyToPasteboard&fbclid=IwAR2pPwjl2R9XEPvfGyEhnU3gpCf_5fkIES_DfOzhnjk7H5Grx8i8oDZTl3Y) ruled that Amazon can now be held liable in their state for faulty... [Somer Dunaway](https://blog.emford.com/author/somer-dunaway) August 20, 2020 #### About EM Ford EM Ford is an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected. 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