Blog

Should I Replace or Repair My Car?

While it’s important to repair any issues with your car in a timely fashion, it’s sometimes better to cut your losses and purchase a new car altogether. However, it can be difficult to know when it stops making sense to pay for repairs. Keep the following considerations in mind to help guide your decision:Repair costs—It may be time to replace your car if the cost of repairs are higher than the cost of the car itself. It may also be a good idea to have a qualified mechanic… READ MORE

3 Questions to Ask When Addressing Sexual Harassment at Your Business

It’s always been important to protect your business and employees from sexual harassment, but recent high-profile cases show the importance of re-examining this topic at your business. Social movements such as the “Me Too” campaign have drawn attention to sexual harassment in the workplace, resulting in a growing number of misconduct allegations. These allegations can result in a wide variety of claims and lead to serious financial and reputational damage.Insurance carriers… READ MORE

Dwelling Fire Coverage Options

If you own rental or investment properties, you need to protect them from a host of potential perils, including fire, lightning, vandalism and theft. If your primary residence is located on the rental or investment property, a homeowners policy would cover you from many of the potential risks. But what if you live somewhere else? A dwelling fire policy may be the type of coverage you need to insure your rental or investment property from damages.Dwelling Fire Policy BasicsDespite the name, a… READ MORE

Risk Management

Does your business analyze risks before they become a problem?Many businesses mistakenly believe that they only have to worry about risk management after an incident, but the truth is you can start saving now by implementing safety and risk evaluation programs. We can provide you with guides, workplace policies and other resources so you can protect your bottom line right now.Does your business have risk management programs in place?Even the most forward-thinking businesses experience… READ MORE

Why Do I Need Life Insurance?

Life insurance isn’t a pleasant thing to think about, and it may seem like an unnecessary expense. But if you have dependents who rely on you for financial support, then life insurance is really about protecting them in case something happens to you. Your designated beneficiary would collect a financial benefit upon your death.Youth minister Preston Newby and his wife, Tara, met during college and were soon married. After visiting their local insurance agent to purchase auto and renters… READ MORE

Staying OSHA Compliant

OSHA regulations are already complex and involve complicated safety requirements, mandatory notices and numerous deadlines, but staying up to date with new and revised rules can be a job in itself. However, no one can afford to take compliance lightly. This video gives an overview of the resources available from Chalmers Insurance Group to help businesses stay in compliance with OSHA regulations and avoid costly penalties. READ MORE

Minimizing Customer Injury Risk

Customer personal injury claims can be costly and very damaging to a retail establishment’s reputation. They can be much more frequent than employee claims in some types of stores, especially warehouses that allow customer access. Employee safety programs are not sufficient to protect customers, who are at risk for many more accidents than employees for three primary reasons:Customers expect the store to be safe.Groups like children and the elderly are predisposed to injury.Customers… READ MORE

Why Do I Need Personal Umbrella Liability Insurance?

Why do I need an umbrella policy?An umbrella insurance policy protects you from a downpour—that worst-case scenario where you could lose everything in a lawsuit.After a hectic work week, Jim Marshall was looking forward to a relaxing weekend with his wife and kids. He was just a few blocks from home when his cellphone rang. He glanced down to see who was calling. That split-second distraction was all it took for him to miss the approaching stop sign.Jim plowed into the side of a passing… READ MORE

Proper Gutter Maintenance

Maintaining your gutters is important, as it can help you avoid costly repairs in the future. In fact, if gutters are obstructed and rainwater doesn’t flow properly, damage from rainwater or freezing can add up quickly.In order to keep your gutters in good condition, consider the following tips:Soft wash your roof using a high volume, low pressure system first. Otherwise, more debris will clog your gutters following the next rainfall.Utilize a garden hose to clear hard-to-reach… READ MORE

Businesses Need Both Cyber Threat Intelligence and Business Risk Intelligence

Devising an all-encompassing strategy that protects your organization from cyber criminals, data breaches and other cyber security threats is no easy task. You need to ensure protection from not only hackers, but also the actions of your own staff.Your employees may not intentionally threaten your organization, but without proper training and policies on using, storing and transferring data, there will always be a chance of them inadvertently putting your business at risk. In order to protect… READ MORE