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Flue season: Inspect your fireplace and chimney

By 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.
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Are you covered? Don’t be caught underinsured

By 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.
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Halloween: Tips to make your celebration a treat

By 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.
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Preventing fires in the home

By 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.
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Know the basics of employment practices liability

By 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.
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Don’t put it off: Assess your life insurance

By 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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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
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.
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Poison prevention: Safety tips for parents and caregivers

By 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.
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Keeping up with the seasons: Time for fall tasks

By 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.
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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
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…
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