Not on the coast? Tropical storms may still threaten

By | 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
tropical-storm

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.

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4 reasons small businesses decline EPLI coverage

By | agent, business, Business Insurance, claim, claims, cost, cover, coverage, defense, dental, distributor, employment, EPLI, funds, independent, industries, Insurance, large, legal, liability, manage, managing, manufacturer, medical, practices, process, protect, publisher, restaurant, retail, risk, small
4-reasons-epli

Many owners of smaller businesses make assumptions about Employment Practices Liability Insurance – and some of those assumptions are not true. EPLI coverage provides vital protection for a small business. EPLI provides a limit of insurance, separate from the standard commercial policy, to protect your business operations against many actual or alleged wrongful acts. Those could include personnel and staffing matters, hiring and firing or allegations of discrimination in the workplace. Because circumstances can vary widely, it’s important to assess your situation, consult with your attorney and speak to an[…..]

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Tasting rooms and tours: Consider guest safety first

By | agent, alcohol, beer, beverage, brewery, cafe, claim, craft, Craft Beverage, distillery, drink, drinks, eat, eating, flow, food, gear, glasses, guest, guide, handrail, hazard, hearing, independent, Insurance, manufacturing, nonskid, patron, physical, prevent, protect, restaurant, room, safe, safety, slip-and-fall, spill, spills, stairs, storage, store, taproom, tasting, tour, tours, vineyard, wine
tasting-room-tours

Most breweries, wineries or distilleries offer tours and a tasting room where guests can enjoy a sample of the product or purchase drinks made on-site. These operations present a different set of exposures than a typical beverage manufacturing facility. If you own a beverage business, closely evaluate your operation to ensure guest safety.

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When things change, review your life insurance beneficiary

By | adoption, agent, annulment, baby, beneficiaries, beneficiary, benefit, birth, business, claim, death, dissolution, divorce, estate, financial, independent, Insurance, life, Life Insurance, marriage, plan, policy, protect, security, succession, trust, trustee, will
life-insurance-change-beneficiary

You name a beneficiary when you purchase a life insurance policy. This designation lets the insurance company know who should receive the proceeds of the policy. Keeping your beneficiary designation current is key to ensuring your life insurance benefits are paid as you desire. By not updating your beneficiary designation, your benefits may go to your estate instead of to those who need it the most.

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When things change, review your life insurance beneficiary

By | adoption, agent, annulment, baby, beneficiaries, beneficiary, benefit, birth, business, claim, death, dissolution, divorce, estate, financial, independent, Insurance, life, Life Insurance, marriage, plan, policy, protect, security, succession, trust, trustee, will
life-insurance-change-beneficiary

You name a beneficiary when you purchase a life insurance policy. This designation lets the insurance company know who should receive the proceeds of the policy. Keeping your beneficiary designation current is key to ensuring your life insurance benefits are paid as you desire. By not updating your beneficiary designation, your benefits may go to your estate instead of to those who need it the most.

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Artwork on wheels: Insuring your collector auto

By | acquisitions, agent, agreed, antique, auto, automobile, car, claim, collect, collection, collector, cover, coverage, display, drive, exhibit, exotic, fine art, function, garage, glass, independent, Insurance, liability, limited, modern, muscle, parts, personal articles, policy, production, property, protect, protection, roadside, schedule, scheduling, spare, supercar, Valuable Articles, value, vehicle, vintage
collector-car

You’re an automotive enthusiast, a connoisseur of fine machines; only the best will do. Each car you own – whether it’s an exotic supercar, an antique muscle car or a limited production modern collector vehicle – is mechanically and visually perfect down to the minutest cosmetic detail. These are not just cars to you; they are rolling pieces of fine art where form and function meet in perfect harmony. So when it comes to insurance, why not consider insuring their property damage coverage on a personal articles policy?

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Personal property may need additional protection

By | agent, agree, articles, blanket, breakage, cameras, claim, claims, coins, collection, collector, cover, coverage, deductible, disappearance, earthquake, fine art, fire, floater, flood, furs, guns, homeowner, house, independent, Insurance, insure, insured, jewelry, location, loss, losses, maximum, musical, mysterious, new, personal, policy, possession, possessions, property, protect, rare books, silverware, sports, stamps, terrorism, theft, transit, Valuable Articles, valuables, value, wine
personal-property-example

Homeowner insurance isn’t just for the structure of your house. It also provides protection for most of your personal possessions. Some possessions of special value may require additional protection through a personal articles floater that can provide coverage beyond your standard policy.

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Call before you dig – 811 nationwide

By | agent, barrier, CATV, claim, communications, danger, dig, digger, digging, digs, drainage, electric, electricity, excavate, excavation, fiber optic, gas, hazard, incident, independent, Insurance, invisible, neighbor, non-visible, pet, petroleum, pipe, post-hole, power, prevent, protect, Safety Tips, sewer, television, TV, underground, utilities, utility, water
dig-carefully

Make sure you haven’t forgotten an important factor before you contemplate digging: underground utilities. You certainly don’t want to find out by accident that utilities are buried in your yard. Before you dig, please call the toll-free 811 line to have underground utilities mapped. The mapping service is free.

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Safeguarding your fitness club’s good reputation

By | abuse, agent, assault, awareness, claim, club, cover, coverage, fitness, Fitness & Recreation, independent, Insurance, insure, misconduct, molest, molestation, operations, policy, preserve, prevent, prevention, protect, recreation, sexual, sports, staff, training, update
signs-insurance-risk-CGL

The February 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 having a sexual misconduct awareness and prevention policy can protect a fitness club’s staff and clients.

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Remodeling, renovation can affect home’s value

By | addition, agent, build, built-in, claim, construct, construction, cost, cover, coverage, deck, decking, design, endorsement, feature, finish, finishing, independent, Insurance, limit, loss, materials, original, Personal Insurance, policy, project, quality, rebuild, reconstruct, reconstruction, remodel, remodeling, renovate, renovation, replace, roof, upgrade, value, wall, window
remodeling-home-value

Remodeling and renovation projects can add significantly to the value of your home. Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your home’s value.

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