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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Preserve records to protect wine values

By | accurate, agent, app, apps, bottle, computer, document, documentation, documents, independent, Insurance, insure, inventory, Lifestyle, maintain, market, online, photo, prevent, protect, provenance, purchase, receipt, receipts, record-keeping, records, sale, sell, software, vendor, wine
keeping-wine-records

Once your wine collection is properly stored, perhaps in a well-constructed custom wine cellar, and your systems are appropriately backed up, are you and your wines safe? Maybe not. What is the state of your records?

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Contractors: Focus on safety to attract talent

By | administration, agent, construction, Contractor, contractors, economic, employee, employees, hazard, health, independent, injuries, injury, Insurance, job, labor, occupation, occupational, orientation, prevent, program, protect, safe, safety, shortage, skills, talent, trade, trades, worker, workers, workplace, worksite
contractor-safety-attract-talent

One of the most urgent issues facing construction contractors is the ability to attract and retain talent. Several factors may be in play, including the perception that construction can be a dangerous vocation. One way you can attract and retain top talent is to provide a safe workplace with people who are properly trained and alert to job hazards.

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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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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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Spring checklist: How did your home hold up?

By | agent, air conditioning, alarm, batteries, carbon, caulking, cooling, driveways, dryer, equipment, exterior, faucet, fixup, gutters, heating, home, independent, Insurance, lighting, maintenance, monoxide, outdoor, paint, Personal Insurance, pipes, play, prevent, protect, pump, railings, repair, replace, roof, safe, safety, service, sidewalks, siding, smoke, spring, sump, vent, windows
spring-home-fixups

As the calendar turns to spring, it’s time to assess how your property weathered the winter. This is a good time to make a “to-do” list to prevent property maintenance and liability issues.

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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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Protect workers: Prevent trench hazards

By | agent, construction, Contractor, control, deep, depth, engineer, equipment, excavate, excavation, forklift, independent, Insurance, lift, lifted, load, loader, loss, Occupational Safety and Health Administration, OSHA, prevent, protect, protection, protective, safe, safety, shielding, shoring, slope, sloping, trench
danger-sign-open-trench

According to fatality statistics from the Occupational Safety and Health Administration, trenching-related fatalities more than doubled between 2012 and 2016. Here are some basic tips that can protect construction workers who perform excavation and trenching activities.

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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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Protect your privacy on the ‘internet of things’

By | agent, city, concerns, connect, connected, connection, cyber, data, home, independent, information, Insurance, internet, Lifestyle, online, password, prevent, privacy, protect, secure, security, self, smart speaker, update, virus, wearable, wifi
cyber-internet-of-things

A man stops at the grocery store after work for a frozen pizza. As he gets back in his car, he uses his phone to tell his oven to start preheating. The man sits down to eat and realizes he is out of napkins. He tells his smart speaker to order some and grabs a paper towel instead. This man is using a collection of connected devices seemingly to make his life more convenient. This concept is called the “internet of things.”

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