Outdoor gatherings: Making memories, not regrets

By | adults, agent, alcohol, celebration, children, damage, food, gathering, guest, homeowner, homeowner's, host, hurt, independent, injured, injury, Insurance, liability, liable, liquor, location, outdoor, party, Personal Insurance, play, play equipment, playground, policy, pool, prevent, property, protect, reception, rent, rental, rented, tent, venue
outdoor-gathering

Block parties, wedding receptions, graduation celebrations, family reunions: These are just some of the events that are fun to take outdoors. But when you’re the host, your concerns need to extend beyond hoping for cooperative weather and stocking snacks.

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Hail guard: Protecting your business equipment

By | agent, air, business, coil, condenser, conditioning, control, cooling, customers, damage, equipment, guard, hail, hailstorm, heating, HVAC, independent, Insurance, loss, Loss Control, money, pellet, prevent, protect, roof, rooftop, time, unit, valuable, vent, ventilation
hail-guards-can-protect-equipment

Most areas of the country experience hailstorms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers. You can take a few steps to help keep your business running smoothly and avoid down time by protecting the equipment that keeps your customers and employees comfortable.

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If a tree falls, who’s responsible?

By | agent, arborist, branch, branches, conditions, Consumer Tips, cover, coverage, damage, disease, fall, homeowner, house, independent, inspect, Insurance, language, lightning, nature, negligence, negligent, policy, property, responsibility, responsible, storm, terms, tree, trees, trim, wind
tree-on-house

Fallen trees and branches are a significant cause of damage and power loss after a thunderstorm rolls through. But if a neighbor’s tree falls on your property and causes damage, who is responsible?

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Keeping it chill – The lowdown on home wine cellars

By | agent, air, backup, barrier, battery, bottle, build, builder, cellar, condensation, condense, consistent, construction, Contractor, control, cool, damage, design, electricity, generator, home, humidity, independent, initial, Insurance, label, Lifestyle, mold, prevent, protect, refrigeration, retrofit, retrofitted, storage, sunlight, temperature, vapor, vibration, wine
home-wine-cellar

In a previous article, I discussed the importance of proper wine storage: temperature control (cool and consistent), humidity control, protection from direct sunlight and protection from vibration. Unless you store your wine in a deep cellar, these conditions will not occur naturally. They can, however, be obtained through construction.

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