Insurance Archives - Page 22 of 26 - Scharver Insurance Group

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.

Aug 21

4 reasons small businesses decline EPLI coverage

By Scharver Insurance Group 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

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 The post 4 reasons small businesses decline EPLI coverage appeared…

Aug 14

Don’t underestimate the risks of pressure washers

By Scharver Insurance Group agent, bruise, carbon monoxide, clean, CO, damage, danger, dangerous, deck, driveway, electric, flesh, hazard, hazards, hurt, independent, infection, injure, injured, injuries, injury, Insurance, laceration, lacerations, lawn furniture, patio, power, pressure, prevent, property, protect, Safety Tips, siding, spray, washer, water

Pressure washers are a quick way to clean the dirt and grime from siding, driveways, decks, patios, lawn furniture and other items. But while results may look great, users should beware: Pressure washers are deceptively dangerous. The post Don’t underestimate the risks of pressure washers appeared first on The Cincinnati Insurance Companies blog.

Aug 07

Reminder: Back-to-school bus safety

By Scharver Insurance Group agent, alert, arms, back-to-school, backpack, bus, driver, independent, Insurance, legs, prevent, protect, remind, reminder, safe, safety, Safety Tips, school, sign, tips, visible, vision, walk, wheels, window

Remind your kids to stay safe around the school bus. Watch our video for some important tips. The post Reminder: Back-to-school bus safety appeared first on The Cincinnati Insurance Companies blog.

Jul 31

Cars on campus: Tips for college students

By Scharver Insurance Group agent, alcohol, auto, automobile, automobiles, autos, borrow, borrowing, campus, car, care, cars, college, designated, drive, driver, independent, Insurance, insure, locaiton, park, pedestrian, Personal Insurance, prevent, protect, rules, safe, safety, student, text, traffic, valuables

College students may be in unfamiliar territory when they take their cars to campus. Our video has tips to consider before venturing out. The post Cars on campus: Tips for college students appeared first on The Cincinnati Insurance Companies bl...

Jul 24

Tasting rooms and tours: Consider guest safety first

By Scharver Insurance Group 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

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. The post Tasting rooms and tours: Consider guest safety first appeared first on The Cincinnati Insurance Companies blog.

Jul 17

When things change, review your life insurance beneficiary

By Scharver Insurance Group 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

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. The post When things change, review your life insurance beneficiary appeared first on The Cincinnati Insurance Companies blog.

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