Make Your House Safe For Trick-Or-Treaters

Make Your House Safe For Trick-Or-Treaters

 Halloween is fast approaching. All kids love to dress up, get together with friends, and go door-to-door hoping to find the full size candy bar.

A little pre-planning can prevent unfortunate accidents that could turn out to be tragic for kids and trying for you. Here are some pointers for ensuring your house is a safe place for trick-or-treaters on Oct. 31.

Pets first. Dogs, cats, and other furry family companions get scared when oddly dressed strangers approach their door in droves. Make sure your pet is in a safe and comfortable space or take them to a secure, relaxing offsite location for the evening.

 Clean up your yard. If your yard gathers stuff – like toys, rakes and other yard tools, hoses, tree branches, you name it – take the time to clean it up. Make sure your yard is free of potential hazards and create a clutter-free walking path well before dusk falls this Halloween.

Are all your lights working? Make sure you offer a well-lit path.

Candles. Candlelit pumpkins should be placed on a sturdy table.

Turn it off. When you’re done for the night, make it obvious by turning any and all inviting lights off.

Decorations. Don’t go overboard with decorations, they can cause fires and injuries.

Safety tips for kids

Never, ever go into a house

Go with friends

Costumes should be short enough to prevent children from tripping and falling

Young children should always be accompanied by an adult or an older, responsible child

Only go to homes with a porch light on

Plan costumes that are bright and reflective

Don’t eat homemade food

Look at all wrapped candy, if it has been opened toss it out

Use a flashlight

 

 

Prepare Your Business For The Next Disaster

There are many things businesses can do to prepare for the impact of the many natural hazards they face including floods, hurricanes, tornadoes, earthquakes.  Developing an emergency preparedness plan is one of the most important strategic decisions you will make as a small business owner.

Your Business Insurance Company May offer Resources

Check with us to determine if your business insurance company has tools and resources to help you. Your business insurance will respond to many hazards and risks that are insured under your policy.

Three Questions to Ask About Your Business

How vulnerable would your business be if a disaster or other emergency were to occur?

Do you have a plan to protect your employees and business?

Have you provided emergency preparedness training to employees?

The American Red Cross offers free tools that may be useful to you: www.readyrating.org

Get Your Business Prepared

Review your policy with us to make sure you understand the nature of your coverage, the deductibles, and the limits of your insurance.

Create evacuation and shelter safety procedures.

Create backup copies of critical data and programs.

Train your employees annually in emergency preparedness.

Protect vital business records. Keep your most important documents in a safe that has been tested and listed by UL (Underwriters Laboratories) as being resistant to fire, heat, burglary tools and torches.

Create an emergency contact list.

Learn what kind of emergencies might affect your business.

Decide ahead of time what you can do if your building becomes unusable.

Make emergency preparedness part of daily procedures and communications.

Thanks to the American Red Cross and U.S. Small Business Administrating for providing some of this information.

Is Your Insurance Keeping Up With Your Life?

Is Your Insurance Keeping Up With Your Life?

Often major life events like marriage, divorce, the birth of a child, children heading off to college, or even the death of a loved one can trigger a need for a change in your personal insurance coverage.  Let us look at few of the life events that can affect your personal insurance.

Change in marital status creates a need to update your auto insurance.  If you have a new person living in your household, your auto insurance will need to reflect that change.

Children heading off to college in another city also create a need to update your auto insurance, especially if they are taking a vehicle to college with them.  In addition, your homeowner’s insurance should be updated if your student is taking any personal property to college such as a television, computer, or other items.

If you are newlyweds, you will need to update your homeowners or renter’s insurance to reflect new policyholder information as well as the replacement value of your personal property.  If you have renter or homeowner’s insurance now, and you and your spouse or partner combine households, you are automatically covered by the existing policy.  However, it is still important to call your agent.

When there are changes in marital status, it is essential to update your health, life, and disability coverage.  There may be new names that need to be added or removed as beneficiaries.

When children start arriving in your home, it is essential to consider updating your life insurance to reflect the additional expenses necessary to manage the household in the event the primary breadwinner is gone.

Homeowner’s Insurance

You buy home insurance to protect your most important asset.  There are many items to consider and we can help you through the process of finding the right coverage for you and your family. Remember not all homeowner’s insurance policies are considered equal.

There are many factors that go into determining your homeowner’s insurance premiums.  We thought it might be fun to address our “top ten list” of things every homeowner should know before purchasing insurance.  As your agent we can help you identify the best possible combination of coverage, price and service.

  1. You are a statistic. To an insurer, you are a set of risks. An insurer bases its premium (or its decision to insure you at all) on your “risk factors” including your occupation, who you are, what you own, and where you live. To us, you are a person and we value our relationship with you.
  2. Know your home’s value. Before you buy a policy, it is important to know your home’s replacement cost.
  3. Insurers differ. As with anything else you buy, what seems to be the same product can be priced differently by different companies. You can save money by comparison shopping.
  4. Don’t just look at price. A low price is no bargain if you don’t have the right coverage.
  5. Go beyond the basics. A basic homeowner’s policy may not promise to entirely replace your home.
  6. Look for discounts. Insurers provide discounts to reward behavior that reduces risk.
  7. Be sure that you have the proper documentation if you have a claim. Your idea of fair compensation may not match that of your insurer. Your insurer’s job is to restore you financially. Your job is to prove your losses so you get what you need.
  8. Know your policy. Keep your policy updated, and reread it before you file a claim so there are no surprises.
  9. Check you deductibles. It may benefit you to increase your deductible, especially if you have a good claims experience.
  10. Your policy excludes Quake and Flood. Check with us and we will provide you with a quote.

Can You Live Without Disaster Insurance?

Can You Live Without Disaster Insurance?

Human caused disasters and natural disasters occur in every state. California has earthquakes and wildfires, Colorado has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados.

Insurance And Disasters

It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let’s look at how insurance might apply to other disasters.

Floods— Only 13% of U.S. homeowners had flood-insurance policies last year according to the Insurance Information Institute, a trade group. Flood insurance must be purchased through the National Flood Insurance Program. We can help you if you need the coverage.

Earthquake— While earthquakes occur mainly in certain areas, there are registered earthquakes in every state, every year. Earthquake insurance also must be added or purchased under a separate policy.

Tornadoes— Damage from tornadoes typically is covered, since it usually is considered wind damage.

Mudslides— A standard home insurance policy does not protect your home against damage caused by a mudslide. Mudslides are usually defined as ground movement. Heavy rains that cause a mudflow would typically be covered.

Heavy Snow and Winter Storms— Winter storms and snow damage is covered under a typical homeowner’s policy. If flooding occurs, then the flood damage would be covered.

Hail— Most homeowner’s insurance policies provide coverage for losses resulting from hail.

Wildfires— It can be safe to say that all homeowner’s insurance covers loss resulting from a fire. Wildfires are considered a fire and would be covered.

Coverage disclaimer–the information provided here is for general purposes only. It is not our intent to change or modify insurance coverage. Each insurance policy is different and your individual coverage will be determined by the terms of your insurance policy.

 

Reduce Your Business Insurance Cost

Saving money on business insurance is not always an easy thing many companies to do. You have many options regarding insurance agents and insurance companies that at times can be confusing. We specialized in business insurance. We have a proven track record of providing the right combination of pricing and coverage, along with experience and responsive service.

There are a number of ways to reduce your business insurance cost without jeopardizing coverage. Here are a few:

Use a broker who knows and understands your industry. Having an understanding of the risks, and what markets best are suited for your risks, can result in lower costs. Have us shop your insurance. We have access to many insurers, this allow us to offer many options.

Provide driver’s training- having educated and trained drivers can reduce your business auto insurance cost up to 5%.

Have proper safety equipment. Do you have sprinklers and central station smoke detectors? These can help reduce insurance costs.

Remove irrelevant coverage. Before agreeing to a business insurance policy, ask the insurance agent which items are optional endorsements. Some endorsements can be removed if you don’t require the coverage. Removing irrelevant coverage can reduce your insurance premium.

Combine all your commercial insurance into one package. Insurers often give credits for more than one line of insurance (Property, Auto, Liability, Excess, Professionals).

Use special markets. There are insurers that specialize in your industry. .

Increase deductibles. Insurers often will provide good credits if you increase your deductibles on property or auto physical damage.

Reduce your risk, Talk with your insurance agent about how you can help prevent insurance losses. You may be able to reduce your exposure to fires, work-related accidents, disasters or lawsuits. Reducing these risks may lead to fewer claims, which may lower your insurance premium.

Use insurers that specialize in your industry, this can save you up to 15%.

Keep up to date with current liability trends; liability claims tend to be the most significant claim with most aspects of insurance.

Having insurance premiums reduced by cutting corners is not the ideal way to deal with high insurance premiums. That’s a case of addressing the symptom – not the problem. Lowering premiums by reducing the risks posed and faced by your business is a far healthier solution

Put Insurance On Your Restaurants Menu

If you are in search of Commercial Insurance for your restaurant, you may find it difficult to find competitive rates and coverage. We shop your insurance regularly, which enables us to provide the best possible combination of coverage, price, and service.  We offer competitive premiums and quality coverage.

The best strategy for lowering your premium is to find the carriers that specialize in the restaurant industry. These companies usually offer broad coverage and are competitive in pricing.  As an independent agent, we search the market for you, finding the best possible combination of price, coverage, and service. Remember, not all insurance companies are created equal. The more experienced and specialized the agent is, the better the chance you have of finding the best premium and coverage.

Other ways to reduce your restaurant premiums:

Combine all your insurance under a “package.”

Don’t nickel-and-dime your insurance company. If you file claims for every little thing, your rates may increase. Insurance is meant to cover unexpected large losses.

Consider your deductibles. By increasing your deductible, you may save money.

One of the best forms of protection is routine maintenance. A well-maintained property is less likely to have mechanical failures or losses.

Offer safety training to employees.

Start a safety committee to help reduce work comp losses.

Place all your insurance with one insurance company.

Seek advice from a qualified independent agent like Partners Insurance Services.

Investigate premium-reduction strategies such as inspections and security systems.

At least once a year, review your coverage for duplications or unnecessary coverage.

We are experts in the hospitality industry, and specifically restaurants. We have access to many qualified highly rated insurance companies. Call us today.

Cyber Liability; Exploring Your Risk

As the outdoor temperature gradually drops, animal activity and deer-vehicle accidents increase. Every year across the country, deer and other animals cause millions of dollars in vehicle damage as well as thousands of injuries and hundreds of fatalities. Whether you are taking your family on a trip through the woods or just traveling on business, the following safety tips are intended to save your life and prevent accidents.

Drivers should review their auto insurance policies since not all policies cover damage caused by deer strikes. Comprehensive coverage is optional insurance but it does cover deer strikes. If you only have collision coverage or liability coverage, your insurance carrier will not cover damage to your vehicle resulting from a collision with an animal.

Actions to Consider

Heed the warning signs.  Posted warnings of deer and animal crossing are there for a reason.

Always drive at a safe speed.

Many animals move around at dusk and early morning.

Observe your surroundings. Actively scan the sides of the roads as you drive for any signs of wildlife.

September through January is a time when deer and elk are particularly active.

Deer and elk are herd animals, so if you see one, there may be more.

Don’t rely on vehicle-mounted whistles or reflectors to keep deer away from your vehicle. Studies show they are not effective.

Notify the local law enforcement agency if you have an accident with an animal.

Contact the local emergency services if anyone is injured.

If you have comprehensive coverage, deer accidents are covered.  However, if you swerve to avoid hitting the deer and hit another vehicle, that would be considered collision coverage, and is many times more expensive for your insurer and you.

We hope you never have to worry about hitting a deer or other animal.  Please slow down and be safe. Taking simple precautions can be the difference between having an accident with a deer, and almost having an accident with a deer.

 

 

What Is Important to Consider When Buying Homeowners Insurance

What Is Important to Consider When Buying Homeowners Insurance

A Home Insurance Update

Buying home insurance should be an important part of your financial planning. It is important to consider many different things in order to obtain the best possible combination of coverage, price, and service.

Insurance companies use many different factors when reviewing your risk. It is important to understand some of these as you make your personal insurance decisions.

Some Items to Consider When Buying Homeowners Insurance

Your location is important in determining your premium. For example, the closer you are to a fire station and fire hydrant the better.

Not all insurers are the same. Some insurance companies prefer newer homes, while others may require your home to have a newer roof.

Low price does not equal better coverage. The lower priced product may exclude needed coverage.

Your home’s value may be the single most important factor. If your home should need to be replaced, it will be important to have an accurate replacement value.

Every policy has exclusions and it is important to know these. For example, most policies exclude earthquake and flood coverage.

Having a home inventory can help you if you ever need to document any loss.

Ask about any discounts the insurer may offer. Most insurers have a number of discounts and the more you are able to obtain the better.

 

 

Summer Driving Tips

rance Update

Summer is here, and many families are planning that great summer road trip.  Whether you are planning a day trip or a longer weeklong adventure, it is important to be prepared before you hit the road.  Insurance Institute for Highway Safety (IIHS) statistics reveal that more fatal traffic crashes occur over the summer months than over the winter months.

Summer Driving Tips

If you have teen drivers, make sure they have taken driver safety training.

Never use your phone while driving.

When on a long drive, take frequent breaks.

Roads become very slippery in the first few minutes of rainfall because the rain mixes with the oil and dirt on the road. It takes about 30 minutes of steady rain to wash the oil and dirt off the road.

If your car is due for a tune-up, oil change, battery check, or tire rotation, now is the time to get it done.

Use seats belts every trip, all the time.

Traffic laws vary by state, so it is important to follow traffic signs.

Pack extra water and supplies in case of an emergency.

Drive at a safe speed. Speeding increases the likelihood and severity of a crash.

Auto Insurance

It will be important to have an auto insurance update before you go. Laws vary from state to state, and when it comes to your auto insurance, it is important to have the best possible combination of coverage, price, and service.