agent Archives - Page 21 of 25 - Scharver Insurance Group

Oct 30

Are you covered? Don’t be caught underinsured

By Scharver Insurance Group age, agent, claim, coinsurance, construction, cost, deductible, demand, disaster, earthquake, equipment, expense, fire, flood, home, homeowner, independent, Insurance, labor, loss, materials, older, personal, Personal Insurance, protect, rebuild, reconstruction, resources, risk, scarce, scarcity, site, umbrella, wind

Does your homeowner policy have sufficient coverage limits to help you recover fully after a loss and avoid incurring serious financial burdens? It’s a question many people don’t ask, and if they have a claim, it can leave them with unexpected expenses. The post Are you covered? Don’t be caught underinsured appeared first on The Cincinnati Insurance Companies blog.

Oct 23

Halloween: Tips to make your celebration a treat

By Scharver Insurance Group adult, adults, agent, alcohol, burn, cab, candle, child, children, damage, fall, homeowner, independent, injure, injury, Insurance, liability, lights, liquor, personal, Personal Insurance, pets, policy, prevent, property, protect, secure, security, slip, supervise, treats, umbrella

As you and your family bring out the Halloween decorations and prepare for parties and trick-or-treaters, take time to evaluate the liability exposures associated with having guests on your property. The post Halloween: Tips to make your celebration a treat appeared first on The Cincinnati Insurance Companies blog.

Oct 16

Personal insurance: Trends in construction costs

By Scharver Insurance Group age, agent, cost, design, energy-efficient, expense, home, independent, Insurance, labor, market, materials, modular, Personal Insurance, price, quality, rebuild, rebuilding, reconstruct, reconstruction, safety, spending, supplier, supply, techniques, unemployment, value, valued

Reconstruction cost – or replacement cost – is the cost of hiring a contractor to replace your home as it is, using materials and design of the same or similar quality. This amount is not the same as market value, which is the value of comparable homes that have sold in your area. Your home’s current reconstruction cost could be very different from its market value. The post Personal insurance: Trends in construction costs appeared first on The Cincinnati Insurance Companies blog.

Oct 09

Preventing fires in the home

By Scharver Insurance Group agent, alarm, bedroom, cooking, danger, dangerous, escape, evacuate, evacuation, family, FEMA, fire, Fire Prevention, home, independent, Insurance, kitchen, levels, loose, prevent, prevention, protect, route, smoke, U.S. Fire Administration

A home fire is your most dangerous fire threat. This video from the U.S. Fire Administration has tips for preventing fires at home. The post Preventing fires in the home appeared first on The Cincinnati Insurance Companies blog.

Oct 02

Know the basics of employment practices liability

By Scharver Insurance Group agent, allegations, business, club, cover, coverage, directors, discrimination, disgruntled, duties, EEOC, employee, employment, fitness, Fitness & Recreation, gym, harassment, independent, Insurance, lawsuit, liability, managers, medical, practices, professional, protect, risk, sexual, sports, sue, suit, supervisors, termination, worker, wrongful

The August edition of ClubSolutions Magazine, a publication for health club operators, features an article by Jayson Scott, national program director for Cincinnati’s fitness, sports and recreation program. He discusses how even the most professional workplace has a liability risk from a disgruntled former employee. The post Know the basics of employment practices liability appeared first on The Cincinnati Insurance Companies blog.

Sep 25

How to select a roofing contractor

By Scharver Insurance Group agent, Bureau, busness, certificate, choose, clean-up, Consumer Tips, contract, Contractor, estimate, guarantee, independent, installer, Insurance, law, local, municipality, ordinance, payment, pick, proof, ratings, regulation, reputable, reputation, roof, roofer, roofing, safety, schedule, select, shingle, state, warranty, workmanship

Is your roof looking worn or damaged? Has a storm come through your area recently? If your roof is not in good shape, it’s a good idea to replace it quickly to prevent damage to your home. Replacing your roof can be a large financial decision, so you’ll want to find a roofing company that will do the job quickly and efficiently. But how do you pick one? The post How to select a roofing contractor appeared first on The Cincinnati Insurance Companies blog.

Sep 18

Don’t put it off: Assess your life insurance

By Scharver Insurance Group affordable, agent, benefit, care, childcare, cost, cover, coverage, education, expenses, family, financial, help, independent, Insurance, life, Life Insurance, LIMRA, loved, mortgage, need, payments, peak, policy, protect, salary, survivor, term, time, utilities, wages, whole, years

Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade organization, also found that 3 in 10 families would be in immediate financial trouble if a primary wage earner died. And, nearly half of respondents would experience financial adversity in just six months. The post Don’t put it off: Assess your life insurance appeared first on The Cincinnati Insurance Companies blog.

Sep 11

Not on the coast? Tropical storms may still threaten

By Scharver Insurance Group agent, battery, claim, coast, coastal, construction, damage, debris, downspouts, emergency, flood, generator, gutters, hurricane, hurricanes, independent, inland, Insurance, landfall, loss, phone, power, prepare, prevent, property, protect, rain, shutoff, storm, Storm Prep, storms, tropical, vehicles, warning, watch, wind, windows

Coastal dwellers remain on alert during hurricane season, but inland residents can be caught off-guard after a hurricane or tropical storm makes landfall. While the storm may diminish in strength, the potential remains for severe damage from winds and heavy rain. When you know a storm is coming, take steps to minimize damage and speed recovery. The post Not on the coast? Tropical storms may still threaten appeared first on The Cincinnati Insurance Companies blog.

Sep 04

Poison prevention: Safety tips for parents and caregivers

By Scharver Insurance Group accidental, adult, agent, battery, cabinet, cap, carbon, child, children, coal, detergent, doctor, independent, Insurance, kerosene, lock, medicine, monoxide, number, paint, pediatrics, pharmacist, phone, poison, poisoning, prepare, prevent, prevention, protect, safety, Safety Tips, varnish, wood

More than 2 million people – about half of them under age 6 – swallow or have contact with a poisonous substance each year, according to the American Academy of Pediatrics. Be prepared in case of an accidental poisoning. The post Poison prevention: Safety tips for parents and caregivers appeared first on The Cincinnati Insurance Companies blog.

Aug 28

Keeping up with the seasons: Time for fall tasks

By Scharver Insurance Group access, accident, agent, air, autumn, Autumn Prep, boat, boiler, check, circulatory, clean, close, cold, convertible, damage, drain, fall, freezing, furnace, gate, gutters, heating, ice dam, independent, indoor, inspect, inspection, Insurance, liability, lock, money, motorcycle, periodic, pipes, policy, pool, premium, prepare, prevent, property, protect, quality, RV, safety, save, season, seasons, snow, storm, swimming, weather, weatherstripping, window

We’re less than four weeks from the start of fall: time to start thinking about some annual tasks if you live in a part of the country with seasonal temperature changes. Our bloggers have you covered. Here are some posts from the past that can help you through the change of seasons. The post Keeping up with the seasons: Time for fall tasks appeared first on The Cincinnati Insurance Companies blog.

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