Insurance won’t always respond when a tree falls. This video explains four different scenarios.
Keller Stonebraker is closely monitoring all national and statewide developments as they pertain to the coronavirus. Our offices are temporarily closed to visitors. During this time we continue to provide the same best-in-class service whether from remote or onsite locations.
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.
Motorcycle riders or passengers are injured or killed on average every six minutes in the United States every day, according to the National Safety Council (NSC). Even though motorcycles account for 0.6% of all vehicle miles in the U.S., they make up 14% of all traffic fatalities. As a Commercial Auto insurance provider, Philadelphia Insurance Companies (PHLY) has safety tips and resources to help drivers and riders share the road safely!
Two main risks
More than half of motorcycle accidents occur because a car or truck driver simply did not see the motorcyclist, according to the National Highway Traffic Safety Administration (NHTSA). This can be due to a motorcyclist driving in a larger vehicle’s blind spot. Also, motorists often look for other cars and trucks but fail to notice motorcycles due to their size and nimble driving patterns.
The second leading cause of accidents with motorcycles involves left hand turns. More than 40% of all collisions between motorcycles and other vehicles occur at intersections when the car/truck driver makes a left turn in front of a motorcycle (NHTSA). Failure to see the motorcycle or failure to accurately judge the speed of the motorcycle are the two main causes of this type of crash.
Know the laws before you launch. It’s a simple mantra that all boaters should take seriously.
“It is the responsibility of all boaters to know the rules of the water,” said Brad Seeley, senior marine product manager for Foremost Insurance Company. “One of the best ways to learn is to take a boater’s safety course. Instruction can help save lives.” According to the 2015 United States Coast Guard data, 90% of boating deaths occurred in accidents with operators that hadn’t taken a safety course.
After what felt like an endless winter, everything is slowly starting to thaw out and melt. Spring is one of my favorite times of the year, and as a new homeowner, I am starting to observe new things on my home that I need to inspect, and projects I want to tackle this summer. I purchased my home in the dead of winter with snow piled up on the exterior, so I couldn’t fully see everything as much as I would have liked. Now that I have a clear view, it’s time to start my spring maintenance checklist and inspect for any damage sustained during winter.
Riding a motorcycle, whether you’re a new or seasoned rider, can be challenging and comes with a lot of responsibility. Although you’re not in a vehicle, the rules of the road still apply to you just like every other driver on the road. We put together some helpful tips that will make you feel more prepared before you ride, and while you’re out on the open road!
With these big items comes the question of whether or not you should insure them. To mitigate the financial impact of loss or theft you will want to insure these valuable items as quickly as possible. This takes a bit of thought on how to do so, so let’s take a look at some of the more important matters involved.
The question of existing insurance
The shortage of coverage can translate to massive losses in the event of a fire, major burglary or other threat, especially if you are storing a lot of highly valuable items.
Elements of coverage
As for cost, Investopedia states that a piece of jewelry valued at about $6,000 will translate to an average of about $80 to insure annually, with policyholders paying between $1 and $2 for each $100 of value the covered item has. Speak to your independent agent about the other considerations involved in insuring your valuable jewelry and new big-ticket items following the holidays.
Covering all post-holiday valuables
According to the Times, insuring each valuable individually within the schedule will certainly be more labor intensive, as it demands appraisals and other activities that umbrella-style coverage would not. However, it is worth the effort when various expensive and precious items are in your possession.
With the rise of mobile device usage, distracted driving is a significant problem. Here’s a look at some alarming statistics:
Texting while driving is as serious as driving while intoxicated. Don’t text while you drive. Tell your teenagers not to text while they drive. Tell your friends not to text while they drive. As the National Highway Traffic Safety Administration’s campaign says: “Stop The Texts. Stop The Wrecks.”
Use our resources in the articles and links below for more information and tips on how to protect your family and your business.
Spring weather brings hope for new beginnings and warmer temperatures. Plants, welcomed or not, start to burst out of their winter slumber. Sunshine fills the house, prompting us to spruce up indoors and outdoors.
However, these seasonal changes could significantly damage the exterior protective layers of your house, leading to potentially costly structural damage.
Watch out for these conditions:
Health and wellness programs have become more common among the nation’s larger enterprises. Now is the time for small businesses to begin implementing their own initiatives. Health and wellness programs offer benefits not only for the wellness of the employee, but also the success of the company. Let’s look at these benefits and ways to launch these programs.
These examples show that health and wellness programs can save an organization money, improve employee engagement and retention, and lower annual health care expenditures. Small businesses can benefit as well.
Where to begin
Some simple wellness program ideas include:
Remember, even small changes in your employees’ health can have a positive impact on your business. Here’s to a healthier 2019!
If you depend on a fleet of vehicles to conduct your business, you understand the importance of knowing whether your drivers are operating them in a safe and efficient manner. The Selective® Drive fleet management solution lets you know the location of your fleet vehicles and whether they’re being operated safely. With this complimentary risk management technology that Selective is now offering to certain commercial insureds, monitoring your fleet is easier than ever.
Selective® Drive offers features such as:
Geo-Fencing for Ultimate Control
Vehicle Health and Monitoring
Driver Performance Evaluation
The general purpose of a safety committee is to minimize risk as well as ensure the safety and health of employees. While they can minimize the possibilities of hazard at your workplace, the question is – does your business need one?
Workplace safety committees are not a necessity for all businesses, but they can create a highly engaged, safe, work environment. So why should you consider a committee? Well, here is what they can bring to the table for your company.
What Is a Workplace Safety Committee?
Who Needs a Workplace Safety Committee?
We can help. Contact us for a quote today.