Christmas Tree & Fire Safety
Did you know that Christmas trees alone result in $130 million dollars in property damage annually? More importantly, these fires present real risk towards family and friends. When showcasing a live tree in your home, the combination of tree dryness, electrical malfunction with lights and poorly located heating sources can make for a deadly combination. […]
Winter Car Features
With nearly 70 percent of the nation’s roads in snowy regions, the majority of Americans have had a “white-knuckle” driving experience in their past. Winter roads claim the lives of 1,300 people every year and injure 116,800, according to the U.S. Department of Transportation. Fortunately, new features including forward collision alerts and lane departure warnings, are […]
Choosing an Insurance Deductible
In order to determine exactly how much car insurance you can afford, you need to understand what a deductible is and how it works. When buying car insurance, you must consider both the premium and your deductible when determining your budget for coverage. What Is a Car Insurance Deductible? Definition A deductible is the amount of […]
Avoiding Pot Hole Damage
After winter or large thunderstorms, we will often find numerous new potholes. And if you’ve hit one before, you know that dreaded feeling; the heavy thud, praying the flat-tire light doesn’t come on, listening for the telling grinding of some loose part in your car. In fact, did you know that pothole damage accounts for […]
Commercial Auto Insurance Symbols: What do they mean?
Taking the time to understand the language and symbols on your commercial Automobile Insurance policy may seem like trying to learn a new language, but it is important to fully understand your policy so you know how you’re protected. Below you can find a few general guidelines that will be helpful when deciphering your policy: […]
7 Factors Affecting Your Auto Insurance
1. Your Coverage And Deductibles Car insurance providers allow you to choose your deductible and decide whether to add additional coverage that isn’t necessarily required by the laws in your state. The specifics of your coverage and deductibles play a major role in your monthly payment. Additional coverage gives you added financial protection, depending on […]
Guardrail Safety
You should be familiar with OSHA’s requirements for guardrails so that you can identify locations that need to have guardrails installed, and know the key components of a standard guardrail. In many situations, other fall protection systems may be used instead of guardrails, such as personal fall arrest systems or safety nets. If guardrails are used, remember these guidelines on where and how […]
What does diminished value mean on my car insurance?
Depending on its age and condition, a car that has been in a major accident generally has less resale value than the same vehicle in pre-crash condition. Even if the car repairs meet the highest quality standards, potential buyers are unwilling to pay as much for a car they know has been previously damaged. This […]
Crime Insurance: Phantom Vendor
Last week we showed how susceptible small businesses are to employee-related crimes like theft and forgery. With an average loss amount of over $200,000, we recommend that restoration contractors purchase some sort of crime insurance policy. We have found one of the best ways to explain the need for crime insurance to talk about some […]
Protecting Personal Items Left in Your Car
Protecting your personal items People leave stuff in their cars every day. We drop our cell phones in the cup holder, leave a bag on the floor, and throw our golf clubs in the back seat. We’re human, so we forget about this stuff, park, and go inside. It happens. The thing is, sometimes when […]