Back to School – Passing School Buses
Back to School – Passing School Buses
One of our family’s most favorite vacations was almost over before we left town.
A few summers ago, I pre-paid for a week in the Rocky Mountains. It was going to be five FUN-tastic days of dude ranching and whitewater rafting adventure. To kick off the trip, my husband and I promised our sons pancakes at a Food Network®-acclaimed diner. It really doesn’t get much better than that for two “tween”-aged boys. As luck goes, we were bumped from our departing flight while at the airport check-in counter.
That’s also when we learned that the discount airline from which I bought our tickets was “discount” because they did not have reciprocation contracts with other carriers. This meant our tickets were worthless, and we were stuck. Our boys were devastated!
Understanding the fundamentals of your personal insurance.
Many Americans rely on group life insurance from an employer in the event of a death in their family. But in some circumstances, group life insurance is not enough, and an individual policy can provide more protection.
According to a 2017 study by LIMRA, a leading insurance and financial services trade organization, 43% of households without life insurance would have immediate trouble paying their living expenses with the loss of a primary wage earner. Even for households with life insurance, the figure increases to 50% having trouble with expenses following six months without a primary wager earner’s income.
They looked just like any other circuit breakers: a set of electrical devices mounted in a steel box. But inside, invisible to the human eye, was a hidden danger. The breakers were smoldering at 159.7 degrees. Thermography made the danger visible.
Using a thermal imaging camera, inspectors were able to “see” the heat so that the hidden wiring issue could be corrected. Without a repair, the problem could have resulted in an electrical fire – a leading cause of building fires.
Just as photography means “writing with light,” thermography means “writing with heat.” A thermal camera captures infrared images of electrical components, revealing hidden defects
Every year nearly 300 children under the age of 5 drown in swimming pools in the United States, making it the leading cause of death for children in that age range. Tragically, 87 % of these deaths occur in backyard pools.
Fortunately, you can take steps to substantially reduce the likelihood of an accidental drowning in your home pool.
The No. 1 rule is never to leave a child unattended or unsupervised around a pool.
Consider these safety measures in and around your pool:
Insurance won’t always respond when a tree falls. This video explains four different scenarios.
Two worthy outdoor opponents. One difficult question: Should I buy a deck or patio?
If you’re going to invest in an outdoor space, you want to carefully consider all of the factors. Learn the difference between a deck and patio, then use the deck vs. patio pros and cons charts below to help you decide.
The office will be closed July 4th, 2019 in observance of Independence Day.
Visit our Claims & Service page for billing/claim phone numbers or call 800-733-2530 for assistance.
“When asked about the lack of insurance, nearly 40% of home-based business owners say they thought they were protected by some other type of coverage, while almost 30% say their businesses are too small to insure,” the IIABA said. “Notably, nearly 20% could not give a reason for not having insurance.”
Homeowners insurance covers incidents such as loss or theft of personal property. But if a delivery person slips and falls on your property or your business equipment is destroyed in a fire, homeowners insurance won’t protect you. Without coverage specifically designed for your home business, you put your livelihood, and possibly that of your employees, at risk. That’s why home-based business insurance is a good idea.
If you lost all of your possessions today, would you be able to list each item and its value from just your memory.
That’s the value of a home inventory. Making a detailed list of what you own ensures nothing will be omitted if you have to recall your home contents after a loss by fire, flood or other circumstance.
Start by assembling the tools for documenting what you own and by figuring out how you will store the inventory list. The way you document what you own dictates how you’ll store the information.
If you document with a notebook and with a traditional camera, you’ll need to store the inventory in a physical location like a safety deposit box, with a lawyer or with a trusted family member or friend.
Consider making three copies of the inventory: one to keep at home; and one each for two trusted sources, like a close relative and a trusted financial professional. This increases the chances that at least one record will be easily accessible when you need it. Make paper copies of documents such as warranties and receipts.
If you document your belongings digitally, you’ll want to make digital duplicates, with the option of storing the files in the cloud in case something happens to your hard drive.
There’s no denying motorcycle road trips can be a fun-filled adventure. But for motorcyclists, road tripping is not as simple as gassing up the car and heading off to your destination. There’s also a big difference between motorcycling along a local highway on a Sunday afternoon and traversing hundreds of miles on a cross-state journey.
First-time road trips on a motorcycle can be an initiation into new rigors. In a poll of American Motorcyclist Association staff members, some respondents said learning the best ways to approach a long tour can take years of trial and error. AMA staffers offer a range of insider tips, such as “carry a backpack hydration system so you can drink while you ride” and “a nap can do wonders on a long day.”
Without the luxury of space, packing what you need for a trip on your bike can be even more challenging. We compiled a list of motorcycle trip planning essentials from experienced riders and the Harley Davidson website.
So, before you head on down the highway, here are 26 things you should consider:
Keller Stonebraker Insurance is pleased to introduce Katherine Hairsine as the newest Commercial Lines Account Executive. Katherine is a 2017 graduate of Salisbury University with a double major in Marketing and International Business. She spent her junior year studying social media marketing in Southern France and is the former Digital Marketing Manager of the Pohanka Automotive Group located on the Eastern Shore. Katherine is currently studying for her MBA and is excited for all the sales and learning opportunities Keller Stonebraker has to offer.
Employers committed to safety are continuing to follow best practices for maintaining a drug-free workplace, despite recent changes in employee drug testing laws.
Surveys show drug abuse in the U.S. population has expanded in recent years, and it’s not something that impacts people only on their own time. National Institute on Drug Abuse statistics show that 70% of current adult illegal drug users are employed full time.
Some employers are dropping or softening their drug testing requirements because they can’t find qualified candidates who can pass a drug test. But studies also suggest that this practice likely will result in higher workplace injury rates.
What can employers do?
Each year millions of pets accompany their families on vacation, and with summer approaching, Nationwide reminds pet lovers that the key to safe travels for our furry family members is preparation.
As the nation’s first and largest provider of pet health insurance, Nationwide analyzed its database of more than 750,000 insured pets to determine the most common travel-related medical conditions. Last year, Nationwide members spent more than $36 million to treat these common injuries and illnesses that affect both dogs and cats.
Corporate executives are increasingly targeted by cybercriminals because of their access to data and ability to engage in social engineering, according to the 2019 Verizon Data Breach Report published last week.
The report was based on the analysis of 41,686 security incidents in 2018. It noted 2,013 of those reports were confirmed data breaches. The analysis shows executives were compromised in 20% of data breach incidents studied in 2018.
It seems 71% of data breaches were financially motivated, according to the report, and the median amount stolen in a business email compromise scam was $24,439. Edward McAndrew, a partner at DLA Piper in Washington, D.C., said criminals are finding it more lucrative to scam executives and get money through business email compromise scams.
“There has also been a shift from stealing information in order to sell it and weaponizing accounts and systems to commit financial fraud,” McAndrew said.
A Property Owner or Developer hiring a General Contractor to renovate or build on their behalf should be aware of two potential risk transfer issues: Contractual Risk Transfer and Insurance Coverage. Check out our Contractor’s Guide for more information on steps to take to protect yourself.
Lightning damage can be devastating, costing the insurance industry billions of dollars each year while causing deadly fires and destructive power surges in the blink of an eye. Every home and business should be prepared before it strikes. Learn more about the Hazards associated with lightning and ways to prevent loss in this Infographic.
Did you know that statistically a burglary occurs in the United States every 14.4 seconds? (At least according to the FBI.) As a season full of holiday-related travel approaches, are you doing what you can to adequately secure your home while you’re gone?
According to data from the FBI’s Uniform Crime Reporting Program, burglaries accounted for an estimated $4.8 billion in lost property in 2011, with an average individual loss of $2,185. The affects go beyond money. As a person who’s been the victim of a burglary, there’s an accompanying feeling of violation that takes some time to shake.
Try and put yourself in the shoes of those who have gone through a natural disaster, and imagine this: Before a severe weather event hits – you hear the warnings from state officials and your local news, but might not take them too seriously. They’re urging the public to stock up on food and supplies, fill up on gas – or – worst case scenario, they tell you to evacuate the area immediately. As the storm system nears, you realize this is serious. But, by the time you make it to the grocery store for important supplies and water– everything is sold out. It’s at that moment you might be asking yourself, “How did I let this happen?”
Severe weather can strike anywhere in the U.S., and if a disaster hits in your area, you may not have access to food, water or electricity for days. According to the Centers for Disease Control and Prevention, nearly half of adults in the U.S. do not have the resources or plans in place for an emergency – that’s a big number! Always remember – there’s no such thing as being “too prepared,” and it’s better to start preparing now than later when the store shelves are empty!
Commercial General Liability Insurance can help safeguard your business against damages that can be caused during the course of normal business operations. It can provide protection from a variety of claims or lawsuits, ranging from a customer slipping on a wet floor, a defective product causing damage to a client’s property, or other claims that the products or services you provided caused injury. It can also protect you from libel, slander and certain legal claims related to advertising.
LifeHappens shares the story of how a successful business owner included life insurance as part of his long-term planning. When there was an unexpected downturn, that life insurance policy saved the business and all those whose livelihoods depended on it.
We can help. Contact us for a quote today.