Category: Uncategorized

Whether you actually hurt yourself or just suffer from a bruised ego, slipping and falling is always a nasty shock. At home, you can usually just dust yourself off and forget about it, but if you own a business, slips and falls suddenly become much more serious. Maintaining a safe business property for your employees and customers becomes paramount, both to give them a great experience, and to prevent any big insurance claims from knocking at your door.

Reduce your business’s potential for hazardous slips and falls by implementing these safety tips:

Secure Stairways and Ramps

Stay up to date with your city’s local building codes, and install the proper handrails along every stairway and ramp. Even tiny platforms comprised of 1 or 2 steps should have some kind of banister in place. This gives stability to your pedestrians and helps protect you if someone falls in those areas and decides to pursue legal action against you. Also consider lining your stairs and ramps with a non-slip material.

Maintain Walkways and Lawn Areas

Remove obstructions from any walking paths that your employees or customers have to use. It is also important to repair uneven, broken, or bumpy surfaces in the parking lot or on the sidewalk. In the winter, make sure your sprinkler systems are turned off and drained to prevent leaks and icy patches around your establishment.

Keep Safety in Mind All the Time

Aside from covering the basics to keep your business up to code, just make it a habit to look for potential slipping/falling hazards located all around your business.

• Maintain adequate lighting in all areas where pedestrians will be walking.
• Keep “Wet Floor” signs in areas where your employees can conveniently access them to warn people away from spills.
• Repair torn carpet, loose or missing floor tiles, and other flooring materials as soon as you can after they are damaged.
• If you live in an area with heavy snowfall, establish a snow removal plan for parking lots, sidewalks, and dumpster areas.
• Keep emergency phone numbers posted in areas where people can see them easily.
• Stay stocked up on first-aid kits and keep them in plain site. These emergency resources help you and your staff minimize the damage of a bad fall.

When an employee or a customer takes a fall at your business, the consequences have the potential to be dire. Prevent them as much as you can by keeping the area clean and maintained. People will be safer and your business will look better for your efforts! Overall, make sure you are protected by a solid insurance policy that will cover your company if someone gets hurt anyway. You can never be too secure!

As a former smoker, you heard it a million times: you need to stop smoking for your health and your budget. So you did! And you started using smoking cessation products like gum, patches, or e-cigarettes that contain nicotine in order to kick the habit. However, the time has come for you to upgrade your life insurance policy, and you’re wondering if being a nicotine user is going to affect your premium. Even though you aren’t a smoker anymore, are you still eligible for non-smoker benefits on your life insurance? Keep reading to find out.

You Need To Be Smoke-Free For at Least 1 Year

In order to qualify for non-smoker rates with any insurance company, it is a requirement that you be cigarette-free for at least 12 months. If you need a life insurance policy immediately and you’ve only stopped smoking for a few months, you won’t qualify for non-smoker rates when you start your policy, even if you haven’t touched a cigarette. Carriers require this timeframe as a way to protect themselves. If you haven’t smoked in a year, they can trust that you are committed to the switch and are at a lower risk of smoking-related health issues.

It Depends on the Company

Different insurance companies rate nicotine uses in different ways. For example, one company might give non-smoker rates to gum and patch users, but not to e-cigarette users. Another may give e-cigarette users non-smoker rates. The reason is because the use of cessation products cause cotinine (a biomarker for exposure to tobacco smoke) to show up in your urine test whether you smoke or not, which puts you in a tobacco risk class. Every company has a different classification system for insuring customers with a tobacco risk, so your rate depends on who you’re insured by.

Go With An Independent Agent!

Finding a policy that gives you non-smoker rates while you’re using nicotine replacement products can be a complicated process because of the way carriers define tobacco risk status. This situation calls for the expertise of an independent insurance agency like ours. We specialize in finding you the best rates from a selection of carriers. No matter what cessation method you are using to quit smoking, make sure you get a policy with rates that are fair to you and how far you’ve come.

If you don’t smoke cigarettes, you deserve to qualify for non-smoking status on your life insurance policy. Contact us with any questions you have about how your health can affect your coverage options!

Imagine you are driving down the interstate when black smoke starts rolling out from under your hood. Do you have any idea what’s going on? How are you going to react? Automobile fires are pretty rare compared to other types of highway incidents, so most people don’t know what to expect or how to handle the situation when it happens to them. However, car fires are extremely dangerous, so it’s important to avoid panic by knowing how to react if it occurs.

Reasons Why It Might Be On Fire

Car fires can be caused by a variety of things. Fuel leakages, overheating, short circuits, and, of course,  car accidents can all cause fires. If you frequently see fluids collecting underneath your car in parking lots, or if fuses in your car’s electrical system are getting blown out from old or loose wiring, it’s a good idea to get your car serviced right away. Older cars and vehicles that aren’t very well maintained are at a higher risk of catching on fire, so make sure you get your car checked regularly and address any issues you notice.

What to Do If Your Car Catches Fire

• Turn your signal on and immediately move to the safest place to stop.
• Put the car in park and turn off the ignition. Stopping the fuel flow and electric current is very important to prevent the fire from getting worse.
• Get every person out of the car, and don’t allow anyone to go back to retrieve personal items.
• Move at least 100 feet away from the burning vehicle to avoid the flames and toxic fumes. Also warn bystanders to stay back.
• Call 911.
• Alert oncoming traffic if possible.

What NOT to Do

Anytime drivers pull off the road to address a car issue, their first instinct is to look under the hood and try to determine the problem. If your car is smoking or you see flames, there’s no need to check it out – you know what the issue is here! Opening the hood sucks in a gust of air that actually fans the flames and exacerbates the problem. You can find out the cause of the fire later.

Also, don’t try to put the fire out yourself. Car fires can escalate quickly, and explosions are always a risk. It simply isn’t worth putting yourself in danger just to attempt putting out the flames. Let your insurance take care of the loss.

Lastly, don’t hesitate to call your insurance agent. After you’ve dialed 911 and authorities are on their way, give your agent a call from the scene if you can. The earlier you get in touch with your agent, the sooner he or she can start working on your claim and get you back on the road safely!

Life insurance is nobody’s favorite subject of conversation. Most people associate life insurance with expensive monthly premiums and, more importantly, their own mortality. For that reason, many people aren’t sure how life insurance works, or what their options are. However, thinking about your life insurance policy is very important! It is intended to lessen the impact of death on your loved ones, and it doesn’t even have to be expensive. Below, we discuss the major differences between term life insurance and whole life insurance to help you determine which one may be best for you.

Term Life Insurance

Term life insurance is a simpler, cheaper type of life insurance that’s a great way to institute a policy without having to cut too deep into monthly expenses. Term life is purchased for a specific time period, anywhere from 5 to 30 years. Death benefits will only be paid if the death occurs during the term of the policy. More often than not, term life will become much more expensive as you age. After the age of 50, the cost of term life quickly creeps up to the cost of permanent life insurance, so you should look into getting it sooner rather than later. Also, these policies can also be converted into whole life insurance in some cases, which is another option if you feel like it may be the time to consider whole life.

Whole Life

Term life insurance covers you for a set period of time, while whole life does exactly what you’d expect: it covers you for your whole life! Not only does it provide death benefits when the time comes, but it also provides a cash value accumulation that builds during the life of the policy. This means that you can actually see payoffs of your premium at a certain time, sort of similar to a retirement policy with your employer. It usually takes anywhere from 12 to 15 years to build up a considerable cash value. This cash value is based on how much the return on investment is worth.

Acquiring a whole life policy does usually mean a medical examination, but this is not always the case. Sometimes, with a higher premium, whole life insurance can be purchased without a health examination. This type of insurance works great for estate planning, and although it is initially more expensive, you can potentially save money through whole life insurance in the long run. Be sure to see what works best for your finances by speaking with a risk advisor today.

Choosing What’s Right

There are many different factors to take into account when deciding what kind of life insurance is right for you. Before speaking with a risk advisor, you should consider several factors:

• Your current age
• State of health
• Financial needs (for yourself and family)
• Plans for funeral and death expenses
• Children’s ages
• Long-term health expenses
• Mortgage and current debts
• Retirement plan
• Future monetary needs of your children
• Your estate
• Your thoughts on paying a full term policy and never receiving the value of it

Although that may be a long list, factoring in as much as possible is important because life insurance is a big investment. Give our agency a call today so we can help find you the best policy for you and your family.

Scientific and architectural advancements are making homes safer and more durable than ever. For instance, houses are made with flame retardant materials that lower the chances of the home burning to its foundation. Roofs are no exception to these advancements, and choosing the right roof for your home might actually save you money on your home insurance costs.

Meet the Impact Resistant Roof

Impact resistant roofs (IRR’s) are specially designed and tested to be impact resistant for exposure to hailstones, strong winds, and flying debris. They can be made of asphalt, metal, plastics, rubber, and recycled materials. Impact resistant roofs are rated as class 1, 2, 3, or 4 (1 being the weakest, 4 being the strongest) based on the test results. The cost of impact-resistant roofs varies based on the type you buy.

Why You’ll Want One

Impact-resistant roofs are simply more durable, no matter where your home is located. They are made to resist damages from threats that can shred conventional shingles and tear them away. Homeowners with impact-resistant roofs save money on repairs and insurance claims after big storms come through, not to mention their homes are kept safer. To top it off, most IRR’s come with a 30-50 year limited product warranty. They are more expensive than traditional roofs, but when you weigh the outcome, IRR’s are an investment worth making.

Having an IRR Could Mean Lower Premiums

When your roof is less susceptible to serious damages, your likelihood of filing a claim is smaller. For this reason, several states offer an insurance benefit for opting for an impact resistant roof. This is especially true in states where weather patterns are likely to bring severe hailstorms. Ask your agent if you can save on your homeowner’s insurance premium by upgrading to an impact-resistant roof.

Your roof is one of your home’s most important elements, so you’ll want to check it for missing, curled, or damaged shingles. If you aren’t sure what kind of shape your roof is in, schedule a professional roof inspection. If you know you’re in the market to replace your roof, contact one of our agents today to see how an IRR can help you save on insurance costs!

Life insurance is one of those things that most people don’t give much thought to until later in life, although we do recommend younger people explore their life insurance options early. Either way, many people are only on the life insurance policy offered by their place of work. Is that a bad thing or a good thing? Well, that depends. Take a look at some pros and cons of both types below.

Group Life Pros & Cons

The base life insurance you receive from your employer is typically 1-3 times the amount of your salary at no cost to you! This is a good cushion for anyone, and a good life insurance plan period if you’re single with no major payments or debts for your beneficiaries to pick up. You also don’t have to go through a medical exam or provide medical records to qualify for coverage on a group life policy, so any preexisting medical conditions won’t count against your premium.

However, if you have dependents, your needs will be drastically different. They may need to live on the money from your policy, or pay off your mortgage or student loans, along with using it to pay for a new health insurance plan if theirs was previously covered by your employer. Suddenly, that 1-3 years salary doesn’t stretch very far. In order to cover your beneficiaries properly with your group plan, you would need to pay an additional premium through payroll deduction.

With group plans, your premiums tend to be higher because no one on the plan is required to undergo a medical exam. The contract also has to be renewed every 5 years, so it is likely that they will be renewed for higher rates. Lastly, if you ever leave your place of employment, you can’t take your life insurance policy with you. This leaves you and your beneficiaries completely unprotected until you find another job.

It is also important to remember that life insurance is a benefit, not a guarantee. If your company needs to make budget cuts, your life insurance policy could be done away with — even if you’ve been paying for additional coverage.

Individual Policy Pros & Cons

An individual policy is just that — it is written for you based on your health and financial goals. Unlike a group policy, you have control over your individual plan and can take it with you wherever you go. You can insure your life for much more than 1-3 times your yearly salary, and know that the monthly premium will be locked in for the duration of the policy so there won’t be any surprise rate increases.

You will need to pass a medical exam to qualify, but whether or not this is a pro or con depends entirely on your health. If you are a healthy individual with no preexisting medical conditions, you can benefit from a lower premium. Even if your end premium is higher than what you would pay for additional coverage through your company, your beneficiaries will be insured for much more money in the event of your passing, and you can rest easy knowing that your policy isn’t going anywhere.

Barring a small percentage of single people with no major payments or debts, the average person will need to pay some kind of premium in order to be properly covered by their life insurance plan. Our agents understand the ins and outs of these policies, and we are here to help you determine what works. Contact us today to get started on a life insurance plan that is right for you.

Studies show that the safest place for your child to ride in the car is the backseat. However, simply riding in the backseat isn’t enough to ensure your passengers’ safety. Certain precautions should still be taken for both children and adults riding in the back to reduce their risks of injury or death.

Aim For Buying a Newer Vehicle

When you’re in the market for a vehicle, keep backseat passengers in mind. The average car on the road is 11 years old, but there have been many advancements in car safety just within the last decade. Some particularly old cars aren’t even equipped with headrests, which are key to protecting passengers’ necks from whiplash. However, many newer models come with safety features just for the backseat, like side airbags and inflatable seat belts. Buying used is the budget-friendly way to go, but try to get a car that is at least fewer than 10 years old if you can.

Secure The Kids

Being equipped with the proper restraints is the most important factor in child passenger safety. Determine whether your child needs a car seat, booster seat, or seat belt based on his or her age, weight, and height. Not sure what to trust? Use this handy page from the National Highway Traffic Safety Administration to determine which restraints are best for protecting your child passenger.

Put Them In The Middle

Believe it or not, the middle seat is the safest seat in the entire car. It offers the most distance from impact during a collision, so the middle passenger is more likely to be protected from a crash in any direction. Just make sure the passenger is wearing a 3-point seatbelt. If a lap belt is the only option, they’re better off sitting in a window seat.

No Distracted Driving!

This one seems so obvious, but distracted driving is still the number one cause of car accidents in the U.S. It is always valuable to remember that activities like talking on the phone, texting, reading, grooming, or eating compromise the safety of you and your passengers.

Remember these tips when you’re buying a car, picking out a carseat for a child, or just running an errand with a friend. The backseat is known as the “safe seat,” but there are definitely measures you can take to make it even safer and protect the ones you love. Make sure you’re covered in case of an accident or injury with the right insurance plans! Talk to one of our agents today about your coverage options.

No matter what position your small business is in, there are three types of insurance that we recommend all small business owners to consider. We understand that with any small business, money can be tight. Insurance may seem like an unnecessary expense at the time and although this may feel true, the costs of your premium are nothing compared to your costs if you were paying for legal troubles out of pocket. Whether it’s workers compensation, commercial vehicle insurance or an overall business owners policy, your small business needs to have the right coverages in place. Below, we talk about what each of these policies are and why they are important for your team.

Workers Compensation Helps Cover Your Business and Employees

An on the job injury can be difficult, expensive and inconvenient. With workers compensation plans, your small business can rest assured knowing your company is covered if something were to arise. Commonly referred to as workers comp, this insurance covers wage replacement, medical treatment, vocational rehabilitation, and other benefits as well. Keep in mind, injuries do not have to necessarily occur on the job in order for your firm to be held liable. The various situations in which workers comp would be of help are physical injuries on the job, pre-existing conditions accelerated by the job, injuries occurring on breaks and injuries resulting from physical or emotional strain at work.

Now that you know what is protected by workers compensation insurance, here’s what isn’t: injuries occuring while a worker was committing a serious crime, while they were not on the job, while they were violating a company policy, while they were intoxicated, and also self-inflicted injuries. There are also situations in which both the company and the employee may be entitled to legal compensation. For example, if an injury suffered by an employee is the result of a machine malfunction due to manufacturer negligence, your employees have the right to sue the manufacturer for this. Another great example would be if an employee was driving a company vehicle and another driver failed to yield, resulting in a collision that causes bodily harm. In this case, both the employee and the company are entitled to sue the person responsible for the incident.

Commercial Insurance for Company Vehicles

Although your personal insurance may help to cover some of the costs affiliated with a damaged vehicle, they cannot be relied on in the incident that major damage or bodily injury occurs. In general, states will at least require business owners to purchase liability insurance for bodily injury / property damage. There are also many states that require your business to have uninsured or underinsured motorists coverage. This is also referred to as Personal Injury Protection, and helps to cover medical payments as well.  Really, commercial insurance for your company vehicles is the best way to know that you are covered as best you can.

It’s best to speak with your insurance agent about what coverages should be in place for your firm, as everyone’s situation is different. Since you can customize your coverages to each vehicle, take the time to sit down and go over everything with your agent so that you know you are getting the right limits in place at the right price. For the most part, the Business Auto Coverage Form is used to provide businesses with their auto insurance. Our professional recommendation if you are planning on having some form of commercial vehicles (whether it be a company car or a fleet of rental vehicles), is to sit down with your agent and take into consideration the benefits of your policy.

Business Owners Policy:

Business Owner’s Policies, or BOPs, are not required by law. However, we recommend for small business owners to consider purchasing a BOP as a general safety net if anything goes wrong that is not covered by the insurance policies listed above. Most business owners policies can be customized and tailored to fit your individual needs. This means your policy doesn’t have to be some wildly expensive and irrelevant coverage that you feel is a waste of precious dollars that could go elsewhere. BOPs typically cover property coverage, business interruption insurance and liability protection. What is NOT covered by BOPs is professional liability, workers comp or health and disability insurance. Some of these are included with the insurance listed above, but some will require additional insurance policies.

So we know that BOPs cover property damage, business interruption and liability protection, but what does that actually mean? Property insurance is insurance for all personal property of the company, including buildings and contents owned by the firm. This comes in the form of standard and special coverages which vary in terms of comprehensive coverage. Business interruption insurance covers loss of income you may experience after some sort of unexpected hardship, such as a fire. This should also include costs of operating  in a temporary workspace. Finally, liability protection covers your company’s legal burden for any harm it may cause others. This can include any harm that occured due to something you or your employees have done (or not done) to cause bodily injury or property damage.

In short, having these three insurance policies under your belt can help to give you peace of mind that your company has a safety net to rely on if something catastrophic was to occur. Some of these coverages are required by law, but we advocate that having the state minimum is not going to cut it. Take the time to speak with a risk management expert about insuring your small business. Our agents are always available to help you find the best policies, so give us a call today!

Most of the time, collisions happen when you least expect it whether you are driving or parked. While the right thing is for both drivers to step out of the car and handle the situation, some have other ideas and try to flee from the scene. This is always shocking, but you can still be prepared for it by following these steps:

Call the Authorities

It’s understandable that you might be shaken up from the collision so it’s wise to take a moment to assess the situation. Once everything is clear, call the authorities immediately to let them know what happened. If you wait too long, the police may not be able to track down the perpetrator in time. You will also need a descriptive account of the situation when you file your claim, so make sure you get in touch with your agent soon, while the incident is still fresh in your memory.

Get As Much Information As You Can

This may not be a simple task since the vehicle is on the move, but it is still possible to gather enough information for a claim. Your first plan of action should be to get the license plate number of the perpetrator. Also try to determine the make, model, and year of the car. If their vehicle has any damage, take note of that too so they can be tracked down easier. Also take note of which way the vehicle went to give others a starting point. After you have all the information down about the other driver, focus on your car next. Like with any collision, you have to document the entire event. Where the location was, where it happened, how it happened, etc. Then take photos/videos of your car. This documentation will help your agent later on.

Stay at the Scene

While it may be tempting to go follow the person that hit your car, you are actually putting yourself in a bad position if you do this. You will need witnesses when filing your claim. If, however, you flee the scene, you could lose this opportunity to speak with others who provide valuable information that you need.

Be Patient

Like with any collision, there will be a lot to handle in the aftermath. You may need someone to come tow your car depending on how severe the damage is, and making a claim is not a quick process. While it might be a frustrating time, be patient while everything gets sorted out. Talk with your loved ones to make any necessary arrangements and let everything work itself out over time.

The last thing you need after a hit and run is a massive bill to pay. Luckily, with the right coverage plan, you don’t have to worry. Give our office a call today and get in touch with our professional staff who can find you the insurance plan you need in case of any accidents down the road.

There are a number of ways that your house can flood, whether it’s due to heavy rains, sewer backup, or a pipe burst. While a house flood can be devastating, here are some tips on how to respond if it were to happen to you.

Put Safety First

The first step in any major home disaster is to remain safe. You may be forced to leave your home if the flooding is bad enough. Make sure you are also safe when you return to your home to begin dealing with the aftermath. This may include turning off the power, as water and electricity obviously do not mix. Be sure to wear protective clothing such as rubber boots and gloves when you re enter your home. Not only will you be dealing with the water itself, but also whatever else the water has been in contact with, namely debris or even sewage. It is best to protect yourself against whatever harmful chemicals and items the flooding may have washed in.

Also, never eat food that has been contaminated by flood waters, or even been in close proximity to the water for an extended period of time. If the water was high enough to reach your refrigerator or any of your pantry cabinets, it is best to go ahead and throw the food away and just buy more. In addition, you should thoroughly wash any dinnerware, glasses, or flatware that might have been caught in the house flood before you use it again.

Stop and Remove the Water

One of the first things you should do when your house floods is stop the source of water coming in if at all possible. If your sump-pump is broken or malfunctioning, replacing it will help keep up with any continuing rains and may prevent further damage to your basement, garage, crawl space, or main floor. Calling the city to remove debris from storm drains may also be necessary in order to help stop flooding.

If your flooded home was caused by a bursted pipe, fix the plumbing as soon as possible to lessen water damage. The sooner you stop the water from coming in, the sooner you can get to cleaning up and repairing any damages.

Once no more water is coming in, you can work to remove the water from your home. Depending on the level of flooding you have experienced or even the rooms in your home that have been affected, your process might change. You may need to bail water out using buckets and bins or use hoses to drain large amounts of water from your basement. As the water begins receding, you can use a wet vacuum to suck remaining bits of water and moisture from carpets and floors. If you’re lucky and the damage is minimal, you might be able to simply mop the mess up.

Dry Out Your Home

Even if you are successful in removing all of the standing water from your home, everything will remain damp and wet, especially if heavy rains have increased the humidity in your area. If you have power, use your air conditioning and portable fans to help dry the wet areas of your home.

Dehumidifiers are also a big help, especially in closed off spaces such as basements or crawl spaces. Dehumidifiers work by removing excess moisture from the air. This is the easiest way to dry out your home and minimize the potential water damage you might be dealing with, as it does not require you to actively clean. However, in the case of a house flood, dehumidifiers are only supplemental and you are likely to need multiple methods of action. Dehumidifiers are recommended for anyone who lives in a damp climate or an area that experiences longer rainy seasons, as they can prevent some of the problems associated with this type of weather, both for you and your home.

Call Your Insurance Agent

Your homeowners insurance will vary depending on what policies you have, but many insurance companies cover flooding due to storms, backed-up city sewers and storm drains, broken sump-pumps, or bursted pipes. Your insurance company will send an adjuster to look at and assess the damage to determine if it is a covered loss. If your losses and damages are covered, the sooner you call your agent, the sooner they will pay out. Repairs can become costly, but the insurance money will help get your home back in order quicker with less of a financial burden on you.

Clean Up

Once the water is gone and you have called your insurance company, it’s time to begin post-flood care. You can call in a professional clean-up crew or do the work yourself. This may involve determining what is salvageable and throwing away anything that is too damaged or no longer safe to use. If the flooding in your home was widespread, you may have to bring in a roll-off dumpster for easy disposal of larger damaged items, as you will find your trash bags filling quickly.

Be aware that you may need to remove flooring, drywall, and insulation to prevent mold and mildew from spreading in your home. Furniture may also need to be dried out, cleaned, or thrown away depending on the level of water damage. Unless you are exceptionally handy, it is probably best to call in a professional company that specializes in mold removal. Mold can begin developing within the first 24 hours after a flood, and once it has started growing, it can be difficult to fully remove. The quicker you remove items from water and begin drying them, the less likely they are to be lost to mold, but it’s always best to err on the side of caution and have a professional assess the situation.

If you’ve experienced flooding for any reason or want to be covered against possible floods in your area, call your agent today for assistance.