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Scharver Insurance Group

Maintain your hardscape cobblestone and paver walkways

By agent, ankle, architectural, brick, certified, cobblestone, driveway, element, elements, fall, hardscape, hardscaped, independent, injure, injury, inspect, Insurance, landscape, Loss Control, maintain, maintenance, paver, prevent, property, protect, qualified, rain, regular, Safety Tips, slip, stone, walkway, weather
hardscape-driveway

Cobblestone or interlocking paver driveways or sidewalks can be an attractive addition to your property, providing an architectural element not possible with cement or blacktop; however, cobblestone features may require additional maintenance.

The post Maintain your hardscape cobblestone and paver walkways appeared first on The Cincinnati Insurance Companies blog.

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Never leave a wet floor unattended or unmarked

By agent, customer, employee, fall, food, guard, ice, independent, injure, injury, Insurance, locations, Loss Control, mark, mud, objects, planning, premises, prevent, procedure, protect, protocol, safe, Safety Tips, signs, slip, snow, staged, strategic, supplies, training, water, workers
wet-floor

When unexpected spills, tracked-in snow or rain, leaking appliances or other sources lead to floor contamination, your employees’ response can easily be the difference between a slip and fall, prompting a potential injury claim, or it being a non-event.  

The post Never leave a wet floor unattended or unmarked appeared first on The Cincinnati Insurance Companies blog.

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Vacation nightmare… times two

By agent, basement, break, damage, dehumidifier, dishwasher, drywall, floor, heater, Home Protection-Water, independent, Insurance, leak, mess, pipe, prevent, protect, shut-off, sink, toilet, washer, water
water-in-kitchen

They say that homes that experience one water loss are likely to experience more. After experiencing two separate water heater leaks in our home while my family was away on vacation, I guess it’s true.

The post Vacation nightmare… times two appeared first on The Cincinnati Insurance Companies blog.

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Consider safety before taking your restaurant outdoors

By agent, business, Business Insurance, COVID-19, customer, diner, eat, electricity, fire, food, health, heat, heater, independent, Insurance, liability, Loss Control, outdoor, Pandemic, patron, property, safe, safety, shanty, staff, structure, temperature, temporary, tent, transport, trip, waiter, waitress, wind, yurt
restaurant-outdoors

Restaurants seeking new ways to stay operational during the pandemic are constructing temporary structures to extend the outdoor dining season. Use of these structures without proper safety precautions and adequate protections for customers and employees could lead to unforeseen legal and safety consequences.

The post Consider safety before taking your restaurant outdoors appeared first on The Cincinnati Insurance Companies blog.

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Find your main water valve before crisis strikes

By agent, ball, basement, bathroom, crawl space, dishwasher, emergency, fixture, foundation, garage, gate, handle, heater, Home Protection-Water, independent, Insurance, kitchen, locate, machine, off, plumber, round, shut, shut-off, sink, slab, supply, toilet, turn, under, underground, utility, valve, washer, water
gate-valve

You are in your house. Suddenly you see water rushing out of the dishwasher. You need to shut off the water quickly to stop the flow and prevent damage. Would you know where to find the main water valve?

The post Find your main water valve before crisis strikes appeared first on The Cincinnati Insurance Companies blog.

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Skiing: Is it worth the risk? A method to help you decide

By administrative, agent, analyze, assessment, avoidance, clothing, Consumer Tips, decision, elimination, engineering, eyewear, helmet, hierarchy, independent, injury, Insurance, Loss Control, mitigating, mitigation, options, personal protective equipment, potential, PPE, prevent, principles, protect, reduce, risk, safe, ski, skiing, substitution, technique
skiing-risk

In both our business and personal lives, risk is unavoidable. But accepting risk needn’t be “all or nothing.” You have options for mitigating an identified risk, and the same principles you might use in assessing a business risk can be used in your personal life.

The post Skiing: Is it worth the risk? A method to help you decide appeared first on The Cincinnati Insurance Companies blog.

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Sprinklers protect your home from biggest threat: Fire

By activation, agent, claim, cost, damage, expense, family, fire, home, Home Protection-Fire, house, independent, install, installing, Insurance, life-saving, lives, new, new build, prevent, property, protect, retrofitting, save, sprinkler, sprinklers
home-sprinklers

One of the most significant threats to your home, its contents and those living there is a fire. If you’re building a new home or planning a major renovation of your existing home, consider installing or retrofitting with a fire sprinkler system. Sprinklers save lives.

The post Sprinklers protect your home from biggest threat: Fire appeared first on The Cincinnati Insurance Companies blog.

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The cold is setting in; 5 tips to keep warm

By agent, auto, blizzard, claim, cold, emergency, extreme, family, freeze, frost, heater, home, ice, independent, insulate, Insurance, kit, loss, melt, outage, pets, pipes, power, prevent, protect, safe, safey, snow, warm, weather, wind, Winter Prep
cold-weather

As temperatures drop and winter takes hold in many parts of the country, now is a good time to prepare for the winter chill and to be reminded of how to stay safe during spells of cold weather.

The post The cold is setting in; 5 tips to keep warm appeared first on The Cincinnati Insurance Companies blog.

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Life insurance part of a business’s risk management

By agent, business, business continuation, Business Life, costs, credit, disrupt, employee, independent, Insurance, key, leaders, life, local, manager, operations, personnel, planning, production, protect, sales
business-life-insurance

Operating a business requires you to manage risks to preserve assets and prevent losses. You’ve ensured that you have appropriate commercial liability insurance and perhaps directors and officers coverage or employment practices protections. Nevertheless, the biggest risk to your business could be the loss of you or other company leaders.

The post Life insurance part of a business’s risk management appeared first on The Cincinnati Insurance Companies blog.

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