Moisture in Basements: Causes and Solutions
Excess moisture in a basement can not only cause physical damage to your property, but can lead to dangerous health issues as well. This moisture can create the ideal habitat for mold, mildew, and bacteria that can make the occupants of a property ill – especially if a basement is finished before any moisture problems […]
Protecting Home Systems, Appliances, and Utility Service Lines
Did you know that sudden damage to “home systems” —such as HVAC and appliances—caused by accident and breakdown is typically not covered under most warranties or service contracts? Did you know this coverage can be added to your homeowner policy? Repairs can often cost thousands of dollars. Similarly, if a gas, water, or any other […]
Emergency Preparedness Plans
Sponsored by the Federal Emergency Management Agency (FEMA) and the Department of Homeland Security, National Preparedness Month is observed annually during the month of September. The initiative aims to drive education and awareness surrounding disaster preparation and to encourage citizens to take steps that will prepare them for disasters at home, work, school, or while […]
Fire Extinguisher Safety
It is important to know how fire extinguishers work, how to use them, how to identify which type to use, and how to maintain them before a fire takes place. When they are used correctly, fire extinguishers can save both lives and property, but many adults do not know how to properly use one. It […]
Preventing Slips, Trips, and Falls at Work
Slips, trips, and falls also known as STFs, are some of the leading causes of injury in the workplace. In the United States, nearly 50,000 people are injured and almost 600 more are killed in fall-related incidents at work. These injuries result in lost productivity, pain & suffering, lawsuits, and increase healthcare and insurance costs. […]
Ride Sharing and Your Auto Insurance
Ride sharing programs (Transportation Network Companies) such as Uber and Lyft have transformed how people get in and around cities. The idea is pretty simple.
Preventing Water Damage From Plumbing
Plumbing fixture failures and faulty installations are a leading cause of interior water damage in homes and businesses. Even in the warmer months, when frozen pipes are not a threat, costly losses can arise from what would appear to be simple plumbing problems. Minor leaks and clogs should be taken care of properly as they […]
Maintaining Vacant Property
It is easy to understand how an unoccupied office, building, or apartment could seem harmless from the perspective of the insured. Many business owners operate remotely and maintain vacant property in other locations.
Understanding Employment Practices Liability Risk
Many businesses underestimate the potential risk involved with not having employment practices liability insurance (EPLI). Having a code of conduct and expertise in human resources helps mitigate most forms of unlawful employment practices, but incidents can and do still happen. Every business is exposed to employment practices liability, an area of professional liability that includes: […]
Business Continuity – Emergency Generators
U.S. businesses lose $150 billion annually due to blackouts and weather-related events. Most commercial businesses today have emergency generators, which is an important first step.
