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Welcome to my Newsletter – July, 2019

I hope that you find these articles of interest. If you have a topic for future discussion, please let me know.

Please call anytime we can answer questions or be of help with your business or personal insurance needs.


What’s New This Month

How to Handle Water Damage to Your Home, Business

People often worry about fires damaging their homes and commercial buildings. While fires are dangerous and can cause extensive damage to property, they are rare compared to another element that is in the home or building every minute of every day: Water.

Water damage emergencies occur 14,000 times a day in American homes and businesses, according to insurance industry data. What can you do prevent water damage in the first place, and what will your insurance cover?

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Annual Insurance Review is Crucial to Your Growing Business

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities.

Let’s say you started your business 10 years ago with just a small space and computer desk, and today you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even three years ago, the chances are high that you are underinsured.

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Employee Behavior, Habits Can Thwart Heat Illness Prevention

Every summer thousands of American workers suffer from heat illness after working in hot conditions and not taking the necessary precautions to protect themselves. Often employers have not put in place safeguards and have failed to train their workers in heat illness prevention.

But even the most well-intentioned employers need to take extra precautions to ensure their employees’ safety. The biggest challenge in implementing a heat illness prevention program is cutting through misconceptions about heat illness and workers not understanding how to identify the initial signs of such illness. Here’s what to watch out for.

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Your New Car Got Totaled; Will Your Insurance Pay Off the Loan?

You drive your new car off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame – totaling the vehicle.

Luckily nobody was injured, but will insurance cover the total loss? Are you expecting the insurer to pay off the loan and you can be on your merry way? That may not always be the case.

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Newsletter June 2019