Our Blog
Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
No matter if your food service establishment is a cafe, deli, diner, or upscale restaurant, all such businesses share certain common risks.
Continue Reading...
See Also: Insurance Company Claim Phone Numbers and Website
Continue Reading...
See Also: Insurance Company Claim Phone Numbers and Website
Continue Reading...
According to the National Highway Traffic Safety Administration, driver distractions are a contributing cause in approximately 25 percent of all motor vehicle crashes or about 1.2 million accidents. However, distractions can be hard to quantify, and the number of accidents due to driver distractions is difficult to define. What can further complicate matters is that there may be more than one distraction, such as texting while chastising a child in the backseat. Cell phones are considered one of the leading driver distractions. As a result, more communities are placing restrictions on drivers' use of cell phones. And more states are now passing laws banning the practice of texting while driving. The U.S. Congress is even considering a federal law related to this ban. The following tips are offered to motorists in regards to cell phone use in vehicles.
Continue Reading...
Yes. Floods, earthquakes, and acts of terrorism are typically not included in coverage.
Continue Reading...
Risk management is the process of identifying, assessing, and controlling risks to an organization. It is important for businesses of all sizes to have a risk management plan in place to protect themselves from financial losses.
Continue Reading...
Long Term Care Insurance (LTC) is designed to reimburse you for expenses for everyday living assistance, should something happen to you. Traditional medical insurance and Medicare will not cover extra costs should you need help with activities we take for granted like bathing, eating or simply getting out of bed. LTC insurance options can provide for nursing home costs as well as home health care and assisted living.
Continue Reading...
Carbon monoxide (CO) is often called the “silent killer” for a reason — it’s invisible, odorless, and tasteless, yet can be deadly. According to the U.S. Consumer Product Safety Commission, more than 200 people in the United States die each year from carbon monoxide poisoning, most often due to malfunctioning gas appliances. The American Medical Association reports even higher numbers and identifies CO poisoning as the leading cause of accidental poisoning deaths in the country.
Continue Reading...
Business Interruption Insurance (BII) is an often overlooked insurance coverage that protects against exposures to loss every bit is vital as fire or litigation.If your business is forced to close your risk is not limited to temporary loss of income, which can be devastating in and of itself.You also run the risk of losing customers who turn elsewhere for their product or service needs.You may have difficulty paying key suppliers during an income interruption causing further long term loss as those suppliers sever their business relationship with your company.
Continue Reading...
Disability Insurance is designed to reimburse lost wages in the event of a disabling accident or illness. Different policies have different stipulations but nearly all require a waiting period before disability payments begin and will reimburse for a pre-defined percentage of your income, generally 45% - 60%. There are two broad categories, Long Term Disability (LTD) and Short Term Disability (STD). Premiums and waiting periods will differ between the two types along short term and long term category lines.
Continue Reading...