independent Archives - Page 21 of 25 - Scharver Insurance Group

Nov 20

Flue season: Inspect your fireplace and chimney

By Scharver Insurance Group agent, alarm, ash, bedding, carbon, chimney, chimneys, clean, creosote, detector, embers, fire, Fire Prevention, fireplace, fireplaces, fires, flame, flammable, flue, flues, fluid, fuel, independent, inspect, Insurance, monoxide, paper, prevent, protect, rubbish, screen, seasoned, smoke, sparks, stove, wood

Home heating fires are the second leading cause of home fire deaths after cooking fires, according to the National Fire Protection Association. Fireplaces, chimneys and flues account for a significant number of home heating fires. The post Flue season: Inspect your fireplace and chimney appeared first on The Cincinnati Insurance Companies blog.

Nov 13

Holiday shopping? Tips for the store or online

By Scharver Insurance Group agent, auto, automobile, automobiles, autos, bricks-and-mortar, car, card, cards, cars, cart, center, computer, Consumer Tips, credit, crowd, debit, gift, gifts, holiday, independent, Insurance, light, lighted, list, lock, mall, online, park, parking, person, phone, presents, purse, retail, RFID, safe, safety, shop, shopper, shoppers, shopping, smartphone, store, trunk, valuable, vehicle, visible, Wi-Fi, window, wish

Shoppers are poised to spread their time and money across both online and physical stores this holiday season, according to a survey conducted for the National Retail Federation. As you grab your mouse or head out to join the crowd, here are some tips to protect yourself and your identity. The post Holiday shopping? Tips for the store or online appeared first on The Cincinnati Insurance Companies blog.

Nov 06

Term vs. permanent life insurance: Which is right for you?

By Scharver Insurance Group agent, automatic, beneficiary, benefit, cash, convertible, death, holder, independent, Insurance, life, Life Insurance, loan, owner, paid-up, permanent, policy, premium, return, temporary, term, universal, value, whole, withdrawal

The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your options. The post Term vs. permanent life insurance: Which is right for you? appeared first on The Cincinnati Insurance Companies blog.

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.

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