time Archives - Scharver Insurance Group

Sep 14

How to protect yourself from fraud

By Scharver Insurance Group agent, Better Business Bureau, builder, business, claim, Consumer Tips, contract, Contractor, damage, estimate, FEMA, flood, fraud, handyman, home, Home Construction, hurricane, independent, Insurance, insured, loss, money, NICB, prevent, property, protect, quote, references, repair, service, time, wildfire

Whether you’re planning a much-anticipated remodeling project or facing repairs to fix damage from a storm, hiring a contractor can be a daunting and nerve-wracking task. While most contractors are trustworthy, some are guilty of taking advantage of vulnerable homeowners – especially when the repairs involve an insurance claim. The post How to protect yourself from fraud appeared first on The Cincinnati Insurance Companies blog.

Apr 13

Could your gate lock out first responders?

By Scharver Insurance Group access, accessibility, accessible, agency, agent, critical, earthquake, fire, fire department, Home Protection-Fire, hurricane, independent, Insurance, lock, mechanism, paramedics, police, prevent, property, protect, release, time, tornado, urgency, urgent, wildfire

In an emergency, first responders need immediate access to the affected property. While perimeter walls, gates and fences do a great job of maintaining privacy, these physical barriers could delay help from police, paramedics or fire departments. The post Could your gate lock out first responders? appeared first on The Cincinnati Insurance Companies blog.

May 12

COVID-19: Have a project restart strategy

By Scharver Insurance Group agency, agent, construction, contract, Contractor, costs, document, employee, employment, engineering, expenses, financial, independent, inspection, Insurance, labor, materials, momentum, Pandemic, pay, permit, pool, project, restart, shutdown, startup, supply chain, time, trade, worker, workforce

Construction projects that shut down production in the short term deserve careful consideration when it’s time to restart operations. Contractors must recognize the need to create a plan for resuming work after restrictions imposed during the pandemic are lifted. The post COVID-19: Have a project restart strategy appeared first on The Cincinnati Insurance Companies blog.

Nov 05

Conducting effective vendor risk assessments

By Scharver Insurance Group agency, agent, annual, assessment, bankruptcy, bi-annual, breach, business, Business Insurance, complaint, compliance, Consumer Tips, customer, data, fines, global, identify, independent, Insurance, layoff, monitor, non-profit, organization, penalties, privacy, quarterly, risk, security, semi-annual, small, time, vendor, violation

Nearly all organizations need to work with vendors or third-party suppliers. Whether you’re a global organization, a non-profit institution, an agency or a small business, your organization has the potential to face severe fines and penalties for failing to understand and comply with applicable regulations. The post Conducting effective vendor risk assessments appeared first on The Cincinnati Insurance Companies blog.

Sep 24

Fighting fire: Benefits of a residential sprinkler system

By Scharver Insurance Group agent, alarm, automatic, control, damage, deluge, dry, fire, Fire Prevention, flow, foam, heat, independent, Insurance, pipe, prevent, protect, protection, reliable, residential, Risk Management, rooms, safe, safely, safety, smoke, source, sprinkler, suppressions, system, time, water, wet

It takes only minutes for a fire to escalate. Even with the responding fire department’s prompt arrival, a home could be destroyed. To help avoid this, have your home fitted with a residential sprinkler system. The post Fighting fire: Benefits of a residential sprinkler system appeared first on The Cincinnati Insurance Companies blog.

Jul 02

Travel insurance: Secret weapon of savvy travelers

By Scharver Insurance Group advice, agent, agents, airline, carrier, Consumer Tips, contract, coverage, destination, details, discount, flight, hotel, independent, Insurance, planner, plans, policy, price, professional, purchase, quote, ticket, time, travel, travelers, trip, value

One of our family’s most favorite vacations was almost over before we left town. The post Travel insurance: Secret weapon of savvy travelers 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.

Apr 24

Hail guard: Protecting your business equipment

By Scharver Insurance Group 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

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. The post Hail guard: Protecting your business equipment appeared first on The Cincinnati Insurance Companies blog.

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