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Safeguarding Success: Why Every South Florida Entrepreneur Needs Strategic Legal Counsel
Coral Springs, FL
The path of entrepreneurship is rarely a straight line, especially in a competitive market like South Florida. Founders often focus so intently on growth, product development, and marketing that they overlook the legal infrastructure necessary to protect those efforts. Without a solid legal foundation, a thriving startup can quickly become embroiled in preventable disputes over contracts, intellectual property, or partnership agreements that threaten its very existence.
Matthew Fornaro, P.A., specializes in providing the comprehensive legal guidance necessary to navigate these complexities. With deep roots in the South Florida business community, Matthew Fornaro serves as a strategic partner for entrepreneurs, helping them mitigate risk from the formation stage through to long-term operations. The purpose of this interview is to explore the common legal pitfalls facing modern business owners and how proactive legal counsel can serve as a catalyst for sustainable growth.
Q: With South Florida being such a vibrant hub for startups, what are the most common legal mistakes you see new entrepreneurs make during the initial formation of their companies?
Matthew Fornaro:
One of the most common mistakes I see is that entrepreneurs move too fast on the idea and not fast enough on the legal foundation. In South Florida’s startup environment, many founders are eager to launch, sign a lease, open a bank account, or bring in a partner before they have done proper due diligence. They often do not stop to ask the critical early questions: What is the right business entity for this venture? Who owns what? How will decisions be made? What happens if there is a deadlock, a buyout, or a dispute six months from now? Those issues should be addressed at formation, not after a problem arises. A strong business formation strategy should include a written business plan, guidance from a dedicated business law attorney, input from an accountant and commercial banker, and carefully drafted governing documents such as an operating agreement, bylaws, shareholder agreements, and other operational documents tailored to the company’s actual goals and risk profile.
Another major mistake is treating formation as a filing exercise instead of a risk-management process. Filing articles with the state is only the beginning. New business owners also need contracts for customers, vendors, independent contractors, employees, confidentiality, intellectual property ownership, and dispute resolution. Without those documents in place, the business is operating on assumptions instead of enforceable terms. My approach as a South Florida business attorney is to help entrepreneurs lay the right legal foundation from day one so they can protect their contracts and operations, reduce avoidable disputes, and scale with confidence rather than scrambling to fix structural problems later.
Q: Many business owners rely on “handshake deals” or generic online templates. Why is it critical for an entrepreneur to have professionally drafted, custom-tailored contracts from the start?
Matthew Fornaro:
Because if an important term is not clearly written down, it often does not exist in any practical sense when a dispute arises. Handshake deals may feel efficient in the moment, but they tend to create “he said, she said” disputes over payment, scope, deadlines, ownership, termination rights, and remedies. Generic online templates are not much better. They are often drafted for another industry, another transaction, or another state, and they usually do not reflect the actual facts, leverage, and governing law that apply to the business using them. A professionally drafted Florida business contract should do far more than memorialize a deal. It should allocate risk, define expectations, anticipate what could go wrong, and provide a clear roadmap if performance breaks down.
Custom contract drafting is one of the most effective forms of preventive legal work a business can invest in. A well-drafted agreement can address payment terms, deliverables, indemnification, limitation of liability, attorney’s fees, venue, dispute resolution, confidentiality, intellectual property ownership, and exit rights in a way that actually protects the company. As someone who handles both business transactions and business litigation, I have seen firsthand how vague or recycled agreements create expensive disputes that could have been avoided. My goal is not just to help clients sign deals. It is to help them enter deals with enforceable terms that safeguard business relationships, reduce risk, and support long-term growth.
Q: Intellectual property is often a company’s most valuable asset. What steps should small business owners take to ensure their trademarks and trade secrets are fully protected?
Matthew Fornaro:
Small business owners should treat intellectual property the same way they treat money, equipment, or inventory: as a core business asset that requires deliberate protection. For trademarks, that starts with selecting a name, mark, or logo carefully and conducting the right clearance work before investing in branding. Too many companies fall in love with a name first and ask legal questions later, only to discover that someone else is already using a similar mark. Once the brand is properly vetted, owners should move promptly to secure trademark protection and make sure their use of the mark is consistent in the marketplace. Brand protection is not passive. It requires ownership, monitoring, and enforcement.
Trade secret protection requires even more discipline because secrecy is the protection. Confidential pricing models, formulas, customer lists, internal systems, and proprietary methods should not be left “out there” loosely. Businesses should use non-disclosure agreements, confidentiality provisions, restricted access, internal policies, and properly drafted employee and independent contractor agreements to make clear that confidential information belongs to the business and must remain protected. They should also ensure that work product, branding, and creative materials are assigned to the company in writing. As a Florida intellectual property attorney, I help clients protect names, marks, logos, and confidential information before infringement or misuse forces them into a reactive posture. The key is to build legal protection early, not after the value of the asset has already been compromised.
Q: When internal disputes arise between partners or shareholders, what is the best approach to resolving these conflicts without damaging the business’s reputation or operations?
Matthew Fornaro:
The best time to resolve a partner or shareholder dispute is before it starts. That is why strong governing documents are so important. An operating agreement, shareholder agreement, or bylaws should not be treated as boilerplate. Those documents should specifically address voting rights, management authority, deadlock procedures, transfer restrictions, buy-sell rights, valuation methods, and what happens if one owner wants out or stops performing. When those provisions are in place, the business has a roadmap. When they are not, the parties are left arguing from emotion, memory, and default statutory rules, which is far more disruptive and expensive.
Once a dispute arises, I usually advise business owners to focus first on preserving the enterprise while pursuing an orderly resolution. In many cases, mediation or arbitration is the right first step because it can be faster, more private, and less destructive to the company’s reputation and day-to-day operations than immediate public litigation. ADR also gives the parties more control over the process and can preserve business relationships where that remains possible. If litigation becomes necessary, the company is in a much better position when its governing documents, records, and dispute-resolution provisions were properly drafted from the outset. My role is to help clients move strategically, protect the business, and resolve internal disputes efficiently rather than allowing them to consume the company from within.
Q: Employment law is constantly evolving. How do you help South Florida businesses stay compliant with labor regulations while protecting themselves from potential litigation?
Matthew Fornaro:
The most effective approach is proactive, not reactive. Employers should not wait until a demand letter, agency complaint, or lawsuit arrives before they review their practices. I work with South Florida businesses to put the right documentation and systems in place before problems develop. That includes reviewing employee handbooks, onboarding documents, wage and hour practices, independent contractor classifications, confidentiality policies, disciplinary procedures, and termination protocols. It also means making sure employment agreements and independent contractor agreements accurately reflect the actual relationship and are updated as the law and the business evolve. In this area, consistency matters. Written policies, accurate records, and periodic legal review often make the difference between a manageable issue and a costly employment dispute.
My firm’s perspective is practical and business-focused. As a South Florida business attorney, I understand that employers need compliance solutions that work operationally, not just theoretically. The goal is to reduce litigation risk while supporting a stable workplace and protecting the company’s bottom line. Employment law compliance is not a one-time project. It is an ongoing process of updating policies, training decision-makers, documenting key actions, and addressing risk areas before they turn into claims. That kind of court-tested, preventive counsel allows business owners to stay focused on running and growing the company instead of constantly reacting to avoidable legal issues.
Q: As a business scales, its legal needs naturally become more complex. How does your firm adapt its strategy to support a company’s transition from a small startup to a mature enterprise?
Matthew Fornaro:
A growing company should not be using the same legal infrastructure it had when it was operating out of a laptop and a basic formation filing. As a business scales, its legal needs become more layered and more strategic. Early on, the focus is usually on business formation, entity selection, governing documents, and the first set of customer, vendor, and confidentiality agreements. As the company matures, the focus expands to stronger contract systems, employment and independent contractor agreements, lease review, intellectual property protection, regulatory compliance, dispute prevention, and more sophisticated corporate governance. In other words, the legal strategy has to evolve with the business. The foundation must be laid properly, and then it must be strengthened as operations, revenue, headcount, and risk increase.
My firm adapts by acting as long-term counsel across the business lifecycle, not just as a document drafter or crisis responder. We help clients with business transactions, contract review, governance updates, employment compliance, intellectual property protection, arbitration and mediation, business litigation, and, when the time comes, succession planning, ownership transitions, mergers and acquisitions, or business dissolution. Mature companies need more than isolated legal fixes. They need a coherent legal strategy that protects operations today while preserving value for tomorrow. That is the role I aim to serve for South Florida small businesses, startups, and entrepreneurs: practical, responsive, court-tested counsel that grows with the business and helps the owner concentrate on building it.
This discussion highlights that business law services should not be viewed as a reactive expense but as a proactive investment. From securing intellectual property to drafting ironclad contracts, the insights provided demonstrate that a strong legal framework is the bedrock of any successful business. By addressing potential vulnerabilities early, entrepreneurs can focus their energy on innovation and expansion rather than damage control.
Looking ahead, the business landscape will only become more regulated and litigious. For South Florida’s entrepreneurs to remain competitive, they must integrate legal strategy into their core business planning. Matthew Fornaro, P.A. remains committed to providing the expert guidance is required to navigate these challenges, ensuring that local businesses are built to last.
To learn more, visit https://fornarolegal.com/
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Andrew Balzano Celebrates a Lifetime of Classic Films and Beloved Mysteries in New Book One of My Life’s Passions: Classics and Mysteries
Brooklyn, NYAuthor Andrew Balzano invites readers on a nostalgic and insightful journey through the golden age of film and television mystery in his new book, One of My Life’s Passions: Classics and Mysteries: A Book Displaying Accuracy and Sincerity. This thoughtfully curated collection brings together beloved classic moments, unforgettable characters, and fascinating behind-the-scenes details that have made mystery […]
Brooklyn, NY
Author Andrew Balzano invites readers on a nostalgic and insightful journey through the golden age of film and television mystery in his new book, One of My Life’s Passions: Classics and Mysteries: A Book Displaying Accuracy and Sincerity. This thoughtfully curated collection brings together beloved classic moments, unforgettable characters, and fascinating behind-the-scenes details that have made mystery entertainment special for generations.
Drawing on a lifelong love of classic presentations on film and a deep appreciation for the special features that have enriched home viewing over the past two decades, Balzano delivers a work that is, as he puts it, “about quality, not quantity.” The book offers readers an engaging blend of personal reflection, sharp observation, and genuine affection for the stories that have captivated audiences for generations.
One of My Life’s Passions explores the beloved Murder, She Baked mystery films on Hallmark Mystery, including the series finale Just Desserts, with thoughtful analysis of director Kristoffer Tabori’s unique approach and standout performances from Alison Sweeney, Cameron Mathison, Gabriel Hogan, and Barbara Niven. Balzano also examines the acclaimed Hercule Poirot series starring David Suchet, offering personal favorites such as The Adventure of the Clapham Cook, Problem at Sea, The Incredible Theft, The Yellow Iris, and The Chocolate Box, alongside a comprehensive episode list spanning the entire series.
The book further celebrates the Sherlock Holmes films with Basil Rathbone and Nigel Bruce, the Murder, She Wrote series starring Angela Lansbury, and the classic Universal monster films featuring Boris Karloff, Bela Lugosi, and Lon Chaney Jr. With detailed notes on casting decisions, directorial choices, and memorable scenes, Balzano provides both longtime fans and newcomers with a rich resource for maximizing their leisure viewing.
Dedicated to his parents, Anna and Anthony Balzano, and written with inspiration from his sweetheart Stefany Rodriguez, One of My Life’s Passions reflects a lifetime of devotion to classic cinema and mystery storytelling.
One of My Life’s Passions: Classics and Mysteries is available now on Amazon in eBook, Paperback, and Hardcover formats.
About the Author:
Andrew Balzano is a Brooklyn, New York native and an alumnus of Baruch College, CUNY. He has served in the Federal Government for 30 years and has been a lifelong fan of classic films and mysteries.
Author Name: Andrew Balzano
Book Title: One of My Life’s Passions
Published By: Global Author Publishing
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Andrew Balzano
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Cal Orey Wins 2026 Hollywood Book Awards Best Health & Wellness Honor for The Healing Powers of Honey
SOUTH LAKE TAHOE, Calif.The revised and updated edition earns recognition for its exploration of honey’s nutritional properties, culinary traditions, scientific research and new data about vanishing honeybees linked to extreme weather events and viruses.
The revised and updated edition earns recognition for its exploration of honey's nutritional properties, culinary traditions, scientific research and new data about vanishing honeybees linked to extreme weather events and viruses.
SOUTH LAKE TAHOE, Calif.
Bestselling author and journalist Cal Orey has won the Best Health & Wellness category at the 2026 Hollywood Book Awards for The Healing Powers of Honey. The recognition is confirmed by the awards program’s official 2026 Winners & Finalists listing, which identifies Orey’s book as the category winner.
The award follows the Aug. 25, 2026, publication of The Healing Powers of Honey: Revised and Updated, released by Citadel, an imprint of Kensington Publishing Corp. The 352-page revised edition expands upon Orey’s earlier work with updated research, additional recipes and discussions about honeybee conservation, nutrition and environmental sustainability.
The recognition marks a new milestone in Orey’s publishing career and brings renewed attention to her established Healing Powers series, which examines the history, nutritional characteristics and traditional uses of familiar foods.
Hollywood Book Awards Recognizes the Healing Powers of Honey
The 2026 Hollywood Book Awards recognized The Healing Powers of Honey as the winner in the Best Health & Wellness category. The official winners listing features the book alongside other recognized publications, confirming its selection in the category. The recognition also reflects the continued public interest in nonfiction books examining familiar ingredients through scientific and historical perspectives.
Readers can view the award results on the official Hollywood Book Awards 2026 Winners & Finalists page.
Guard Against Cold & Virus Season for Just 3.99!
The award announcement comes as consumers prepare for winter, when conversations about nutrition, food preparation and everyday wellness routines often receive renewed attention.
“You don’t have to let holiday travel and stress derail your health,” Orey said. “This book encourages readers to explore honey, nutrition and everyday habits as part of a thoughtful approach to seasonal well-being.”
The publication discusses scientific research concerning honey while distinguishing traditional practices from established medical evidence.
Rather than suggesting honey can prevent seasonal illnesses or replace medical treatment, the book presents its nutritional characteristics within the broader context of food and dietary education.
Beyond nutrition and cooking, the revised edition examines the relationship between honeybees, climate change and extreme weather affecting both humans and honeybees.
Prepare yourself with antioxidant-rich honey varietals and Mediterranean foods and new recipes to boost your immune system before the superbugs hit and during an El Niño event when seasonal respiratory illnesses spread more easily.
Both 2026 paperback and ebook new editions are official Amazon Bestsellers in the Antioxidant category.
All through October, grab the bestselling The Healing Powers of Honey, Revised & Updated ebook on special sale. Prepare yourself with antioxidant-rich honey varietals and Mediterranean foods and new recipes to boost your immune system before the superbugs hit.
The Healing Powers of Honey: Revised and Updated is available through Amazon and participating booksellers.
https://www.hollywoodbookreviews.com/winners-finalists-2026/
Official Publisher Listing:
https://www.penguinrandomhouse.com/books/468068/the-healing-powers-of-honey-revised-and-updated-by-cal-orey/
Amazon:
https://www.amazon.com/s?k=9780806545721
About Cal Orey
Cal Orey, M.A., is a dynamic bestselling author-journalist with over 40 captivating books to her name. With a sharp focus on health, nutrition, and science and a deep love for pets, she is a gifted, versatile storyteller. Best known for her popular Healing Powers series, she has also written numerous other nonfiction book as well as novels. Her work has resonated with readers worldwide and appears on national and international bestseller lists. A native Californian, she lives in South Lake Tahoe, California.
Media Contact Details
Cal Orey
Email: Send Email
Website: calorey.com
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Crypto Insurer BDIC (Blockchain Deposit Insurance Corporation) Establishes Singapore Entity Prior to Insurance Hub Application, Engages Cole-Frieman & Mallon LLP and Updates Window for BDIC Coin Token Sale Timing
SingaporeBlockchain Deposit Insurance Corporation (“BDIC”), a decentralized cryptocurrency deposit insurer providing coverage for digital assets, today announced the establishment of its Singapore business operations and announced that the BDIC Coin Token Sale is targeted for the first quarter of 2027, and that it has engaged Cole-Frieman & Mallon LLP as outside counsel in the United […]
Singapore
Blockchain Deposit Insurance Corporation (“BDIC”), a decentralized cryptocurrency deposit insurer providing coverage for digital assets, today announced the establishment of its Singapore business operations and announced that the BDIC Coin Token Sale is targeted for the first quarter of 2027, and that it has engaged Cole-Frieman & Mallon LLP as outside counsel in the United States.
PRESS RELEASE SUMMARY
BDIC’s Singapore entity (BDIC SG PTE LTD located on Lorong Ampas in Singapore) is intended to serve as the primary insurance underwriting hub for the company. The company will engage local legal representation and begin the regulatory engagement process for the new insurance entity for approval under the Monetary Authority of Singapore (MAS) and in the meantime, the company plans to place coverage for clients’ needs through existing dedicated insurance cells issued through network partners while awaiting its appointment and approval to write policy coverage directly. During this period, a Cayman Islands BDIC Foundation and its British Virgin Islands subsidiary will be established to issue the BDIC Coin independently of BDIC. BDIC Coin is intended to be used to pay BDIC insurance premiums, settlements, and governance as a true utility payment token.
Please scroll down for expanded details provided by company representatives, and visit the BDICnewsroom for other material stories and updates from the company
Why BDIC Singapore?
BDIC selected Singapore as the second location after BDIC HK as it is the intended primary insurance underwriting hub because of the depth of the jurisdiction’s financial regulation and its position in Asian digital asset markets. Asia has moved ahead of much of the world in digital asset adoption and market awareness, and BDIC’s operational strategy is designed to meet the requirements set out by MAS rather than work around them, as Singapore’s leadership and advanced vision on crypto insurance is the perfect platform.
“Establishing our presence in Singapore is more than a geographic expansion from our location in Hong Kong. It is a foundational step in our mission to bring institutional-grade security to the digital asset ecosystem,” said Paul Kohli, Co-Founder and Managing Director, Hong Kong and Pan-Asian Operations of BDIC from the Central District offices in HK. “By working within the MAS framework, we are embedding compliance, solvency, and operational integrity into our global insurance products. As we have engaged local representation and will submit the required information in the coming weeks, we look forward to working with the MAS team for our approval”.
Regulatory and Compliance Architecture
According to BDIC’s compliance team, BDIC is considering partnering with an existing local insurance partner, but it is not required in order to operate under the Insurance Act, administered by MAS. BDIC’s operations are also designed to align with Singapore’s broader digital asset statutes, including the Payment Services Act 2019 (PSA) and the Financial Services and Markets Act 2022 (FSMA), which govern digital payment token services, including custody.
Cross-border insurance carries jurisdiction-specific obligations, and BDIC is structuring its global offering to satisfy local mandates in the jurisdictions where its policyholders reside, but also for global reach. While the Singapore hub is intended to serve as the primary underwriting engine, BDIC intends to serve policyholders in other jurisdictions through structured reinsurance partnerships, risk ceding, or partnerships with admitted local carriers in Europe, for instance. BDIC is also implementing asset valuation protocols that include independent custody verification and cold-to-hot wallet storage ratios consistent with international auditing standards, where applicable.
Chief Risk and Compliance Officer, CRCO Adriano Raimondi, added, “The reason for strict compliance and regulation is to protect consumers, policyholders, and the industry as we forge into the digital asset insurance space. These controls will create the next version of traditional finance, a stable environment in which consumers and businesses alike can operate globally. MAS guidelines are an example of what BDIC wanted as a framework from the start.”
Legal and Infrastructure
BDIC’s CEO centered comments around commitment to building its platform on a properly established legal and compliance foundation. Subsequently, the company has engaged Cole-Frieman & Mallon LLP as outside counsel in the United States moving forward accordingly.
“Insurance is an important marker of a mature market. It is time crypto was properly insured, but navigating a complex global regulatory landscape can be challenging for any crypto infrastructure company. We’re excited to assist BDIC with its regulatory compliance so it can grow and scale in this market,” said Daniel Payne, Partner at Cole-Frieman & Mallon LLP.
“We are building a global insurance infrastructure, and that is only credible if the legal foundation is done properly and done first,” said Jeffrey A. Glusman, Chief Executive Officer and Founder of Blockchain Deposit Insurance Corporation. “Retaining counsel of this caliber with actual experience in the digital asset sector is key in navigating the regulatory gauntlet. We would rather be proactive now that there have been considerable advancements in the legislature with more finality around the corner, with MiCA now in force in Europe and US legislation advancing, than be reactive later.”
BDIC Utility Coin
BDIC representatives also confirmed that the BDIC Coin Token Sale is targeted for r the first quarter of 2027. BDIC Coin will be issued by a Cayman Islands Foundation and its British Virgin Islands subsidiary (the minting entity) independently of BDIC, once those entities are established. BDIC Coin will have a total supply of 1.6 billion. BDIC’s insurance reserve is held in non-Coin assets, and BDIC is fully capitalized outside the BDIC Coin allocation. 528 million BDIC Coins (33%) will be allocated as overcollateralization behind pledged assets as a financial backstop. In a liquidity event, the Cayman Islands Foundation and its British Virgin Islands subsidiary would sell these reserve Coins only to support insurance payouts after the pledged assets have been depleted.
BDIC Coin: Intended Utility
BDIC Coin is intended to be used to pay BDIC insurance premiums at a discount. Additional utility may be added in the future. BDIC Coin will not represent equity, debt, ownership interest, or a right to share in BDIC’s revenues or profits. BDIC does not market BDIC Coin as an investment vehicle or promise price appreciation.
BDIC’s disclosure materials, including independent reserve attestation, smart contract audit reports, verified contract addresses, and code repository link, and the final Token Purchase Agreement will be published before the Token Sale. Timing, structure, jurisdictions of availability, and eligibility requirements remain subject to legal, regulatory, business, and technical review and may be modified accordingly.
About Blockchain Deposit Insurance Corporation (BDIC)
Blockchain Deposit Insurance Corporation (BDIC) is a decentralized cryptocurrency deposit insurer founded in 2024 and headquartered in Hong Kong, with additional offices planned in Switzerland, South America, and Europe. BDIC has adopted a digital twin business model, compared to the FDIC deposit insurance model, for digital assets, providing coverage against hacks, exploits, and theft through smart contract-automated claims.
BDIC’s product line includes Standard Crypto Deposit Insurance (Standard tier: $0 to $10,000; Preferred tier: $10,000 to $20,000), HNW coverage $50K+; StableCover Pro for stablecoin reserves held by funds, DAOs, and corporate treasuries; AgentCoverPro for AI agent payment systems and autonomous transaction infrastructure; and VaultCoverPro for self-custody holders.
The company was founded by Chief Executive Officer Jeffrey A. Glusman, a former Merrill Lynch executive, and is led by a team drawn from traditional finance, federal banking supervision, and enterprise cloud security.
Learn more at BDICinsurance.com, or read the BDIC Litepaper.
Media Contact
BDIC
Liam Nguyen
Chief Marketing Officer
Blockchain Deposit Insurance Corporation (BDIC)
Email: [email protected]
Website: BDICinsurance.com
BDIC Bulletin: BDICinsurance.com/the-bulletin
Newsroom: https://bdicinsurance.com/the-bdic-blog/
LinkedIn: linkedin.com/company/blockchain-deposit-insurance-corporation
Telegram: t.me/BDICInsurance
Instagram: instagram.com/bdicinsurance
Cole-Frieman & Mallon LLP
Ian Potts
Chief Marketing Officer
Cole-Frieman & Mallon LLP
Email: [email protected]
Non-Investment Disclaimer
BDIC does not market BDIC Coin as an investment or financial instrument. BDIC does not promise or guarantee token price appreciation, dividends, or profit distributions. Purchasers should not expect returns from appreciation in the value of BDIC Coin and should consider the token only for its described utility.
Important Notice
This announcement and BDIC’s litepaper, whitepaper, and prior informational materials are provided for general informational purposes only. They do not constitute an offer to sell, or a solicitation of an offer to buy, any digital asset, security, insurance product, or other financial instrument. No offering will be made except pursuant to applicable legal and regulatory requirements.
The proposed utility token offering remains subject to legal, regulatory, business, and technical review and may be modified or delayed to comply with applicable requirements. No representation is made regarding the future value, availability, liquidity, or regulatory classification of any proposed digital asset. Statements regarding licensing applications, regulatory engagement, and anticipated timing are forward-looking and are not assurances that any license, approval, or registration will be granted.
Andrew Balzano Celebrates a Lifetime of Classic Films and Beloved Mysteries in New Book One of My Life’s Passions: Classics and Mysteries
Cal Orey Wins 2026 Hollywood Book Awards Best Health & Wellness Honor for The Healing Powers of Honey
Crypto Insurer BDIC (Blockchain Deposit Insurance Corporation) Establishes Singapore Entity Prior to Insurance Hub Application, Engages Cole-Frieman & Mallon LLP and Updates Window for BDIC Coin Token Sale Timing
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