Summer Can Be Risky for Everyone

A Personal Insurance and Safety update

Summertime means more of us are heading to the pool, lake, ocean, or river to relax and have fun.  Unfortunately, these activities can lead to accidents and injury.  Summer also brings increases in heat related illness and teen driving accidents, according to PC260.com.

It is also important to have a personal insurance review to make sure all your summer activities are covered.  For example, if you have purchased a boat, you may need a separate watercraft policy.  In addition, if you have installed a pool you will need to add that risk to your homeowner’s policy.  We want you to have an enjoyable and safe summer, so here are some reminders about summertime safety.

Some of the Top Summer Risks

River water can be very cold, especially as the early snowmelt flows downriver.  Even if it is 100 degrees outside, the river water temperatures can be very cold.

If you are planning foreign travel, remember to check travel advisories.  Also, be sure you have all your medical issues managed correctly.  Check with your health insurer, as many will not provide coverage in foreign countries.

Don’t forget your pets. Summer heat can affect your pets, so make sure they are not left in vehicles or in homes during long heat waves.

When you are on the water, do not mix drinking and water craft driving.  Verify that you have life vests for everyone and keep life vests on all children all the time.

Heat stress is one of the most common illnesses during summertime.  The risk of getting skin cancer is much higher among people who sunbathe, and especially those who have experienced multiple sunburns.

Barbecues and fire related risks increase during the summer.  Always keep children away for open fires, and keep barbecues away from buildings.

When riding your bike we recommend you always use a helmet.

Texas Business Insurance 101

Texas Business Insurance

The world is changing, and we understand the issues Texas businesses face every day. There is constant competition for your customers, there are challenges in attracting and retaining top talent, and your cost of goods keeps going up. Part of your planning should include an annual business insurance review. Your business changes, and so do your exposures. Here are some of the major kinds of liability coverage found in most business insurance programs.

Commercial Liability

Bodily Injury – Bodily injury to a third party.

Property Damage – Damage to a third party’s property (equipment building etc.).

Personal Injury – Injury to the mind or emotions, as opposed to an injury to property.

Advertising Liability – Damages arising out of advertising, libel, slander and invasion of privacy.

Products & Completed Operations – Liability arising out of products you sell or business operations and services conducted, excluding professional services.

Premises – Covers liability arising out of injury to third parties while on your premises.

Management Liability – This might include cyber, employment, and professional liability coverage. Directors and officers liability also might fall under this category.

Umbrella – Provides excess liability over primary auto and commercial liability policies.

Pollution – Coverage for accidental release of pollutants. 

Business Auto

Covers vehicles owned by the company for business use and can include comprehensive and collision

Risk is a factor for whatever business you are in. We provide business insurance solutions to help you manage your risk, which keeps you in business. Apple Insurance Specialists understands how the right insurance can protect you and your business from any unforeseen liabilities