Risk Management Archives - Scharver Insurance Group

Apr 19

Enjoy the bicycle boom: 5 tips for safe riding

By Scharver Insurance Group agent, bicycle, bike, cell phone, commute, commuting, cycling, flat, gloves, handlebar, helmet, hydrate, independent, Insurance, lights, mountain, Pandemic, prevent, protect, reflectors, ride, riding, Risk Management, road, safe, safety, Safety Tips, sidewalk, sunglasses, tire, trail, tube, visibility

I put more miles on my bike than my car in 2021. Sticking to a few rules of the road kept me safe and accident-free, and I’d like to share them with you. The post Enjoy the bicycle boom: 5 tips for safe riding appeared first on The Cincinnati Insurance Companies blog.

Apr 12

A refresher on water sport and boating safety

By Scharver Insurance Group accident, accidental, agent, alcohol, boat, boating, buddy, dehydration, drowning, independent, Insurance, lake, life jacket, ocean, operators, Pandemic, passengers, prevent, protect, rip tides, Risk Management, river, Safety Tips, skiing, sunburn, swim, swimming, water, water sport

Boating activity rose significantly during the pandemic, based on increased boat sales, new insurance policies and increased claims and calls for towing assistance. With more people on the water comes more potential for injuries. The post A refresher on water sport and boating safety appeared first on The Cincinnati Insurance Companies blog.

Nov 30

Older homes: Hidden gems, or hidden pitfalls?

By Scharver Insurance Group agent, air conditioning, basement, buy, charm, electrical, equipment, exterior, failing, flooring, foundation, furnace, home, Home Maintenance, hydrostatic, independent, inspect, inspection, Insurance, materials, mechanical, obsolete, older, pitfalls, plumbing, pressure, Risk Management, roof, water, water heater

Buying an older home can be appealing for many people. Older homes are usually found in established neighborhoods, have an abundance of character and are often one of a kind. However, hidden expenses could accompany all that charm. The post Older homes: Hidden gems, or hidden pitfalls? appeared first on The Cincinnati Insurance Companies blog.

Nov 16

Inspection gives home buyer a deeper look

By Scharver Insurance Group agent, attic, basement, condition, costly, damage, electrical, equity, exterior, foundation, gutters, home, Home Construction, independent, inspect, inspection, Insurance, interior, investment, mechanical, plumbing, property, purchase, repair, Risk Management, roof, systems, valuable, Valuation

Buying a home is the biggest and most valuable purchase most people make. Many factors could draw you to a home: location, price, updated countertops or a large yard. The home inspection offers the buyer a deeper look into how the home has been maintained or whether it needs costly repairs. The post Inspection gives home buyer a deeper look appeared first on The Cincinnati Insurance Companies blog.

Oct 19

What to watch for when buying a high-rise condo

By Scharver Insurance Group agent, building, claims, condo, condominium, damage, high-rise, home, Home Maintenance, Home Protection-Water, independent, inspection, Insurance, investigate, leak, losses, mitigae, newer, ownership, plumbing, prepare, prevent, protect, real estate, records, reports, research, Risk Management, unit, water

You move into a new city and purchase a high-rise condo in one of the nicest parts of town. Shortly thereafter, you notice water leaking from the unit above, causing damage to your property. Sadly, this is a common reality for condo owners; water continues to be one of the top perils in high-rise habitational buildings. The post What to watch for when buying a high-rise condo appeared first on The Cincinnati Insurance Companies blog.

Jun 08

Healthy swimming: A matter of chemistry

By Scharver Insurance Group acidity, agent, algaecides, alkalinity, bacteria, balance, burns, chemical, chlorine, cryptosporidium, e. coli, eyes, fungicides, health, hepatitis A, illness, independent, Insurance, ionization, liquid, mineral, ozone, pH, pool, powdered, Risk Management, safety, Safety Tips, saltwater, shockers, skin, storage, tablet, viruses

While Southerners may enjoy swimming year-round, most Americans are limited to a summer pool season – and that means pool chemical season, too. The post Healthy swimming: A matter of chemistry appeared first on The Cincinnati Insurance Companies blog.

May 25

6 tips to secure your home computer network

By Scharver Insurance Group agent, antispyware, antivirus, breach, business, Business Insurance, cyber, data, encryption, financial, firewall, hack, hacker, independent, information, Insurance, internet, operating, password, personal, prevent, proprietary, protect, Risk Management, router, secure, security, software, SSID, system, vendor, VPN, wireless, work from home

Even as many companies reopen offices to employees, surveys show remote work is likely here to stay, at least part of the time. It’s important to understand that working from home adds responsibilities for employees to secure the data flowing through their home information networks. The post 6 tips to secure your home computer network appeared first on The Cincinnati Insurance Companies blog.

Mar 16

Technology helps identify, reward safe drivers

By Scharver Insurance Group accelration, agent, app, auto, automobile, behavior, discounts, Distracted Driving, distraction, drive, driver, habits, harsh braking, independent, Insurance, parent, phone, policyholder, premium, prevent, RideWell, Risk Management, safe, savings, smartphone, speeding, technology, teenager, telematics, vehicle

You’re a safe driver: You follow all traffic laws, don’t speed and never allow yourself to be distracted by your phone while driving. Suppose you could take credit for your efforts and earn a discount on your car insurance? With growing adoption of telematics by insurance companies, you can. The post Technology helps identify, reward safe drivers appeared first on The Cincinnati Insurance Companies blog.

Sep 01

Emergency planning: Is your family ready?

By Scharver Insurance Group "go bag", agent, catastrophe, communication, COVID-19, crisis, disaster, earthquake, emergencies, emergency, evacuate, evacuation, flood, hail, hurricane, independent, Insurance, kit, National Preparedness Month, natural, people, plan, planning, practice, prevent, property, protect, ready.gov, Risk Management, safe, safety, storm, supply, tornado, wildfire

Disasters can happen anytime…anywhere…to anyone: Be prepared. The past decade brought an ever-increasing number of natural disasters and other catastrophic events, affecting people and property. Make sure you are ready for the next one by having an emergency plan in place. The post Emergency planning: Is your family ready? appeared first on The Cincinnati Insurance Companies blog.

Aug 25

Prepare your home to prevent flood losses

By Scharver Insurance Group agent, art, caulking, curtains, damage, documents, doors, downspouts, drainage, flood, flooding, hydrostatic water pressure, independent, Insurance, losses, personal, possessions, prevent, property, protect, restoration, Risk Management, safe, safety, vents, windows

You do not have to live in a designated flood zone to be susceptible to flood loss.Because most standard home insurance policies exclude coverage for surface water that damages property, you may need to obtain coverage through the National Flood Insurance Program. Your professional, independent insurance agent can advise you on the best choice to protect you from the financial loss a flood could bring. The post Prepare your home to prevent flood losses appeared first on The Cincinnati Insurance Companies blog.

Risk Management