Social Host Liquor Liability and Holiday Parties

Social Host Liquor Liability and Holiday Parties

December 23, 2019
With the holidays and the end of the year right around the corner, many organizations will host parties for their employees. While these celebrations are fun and a good way to boost team morale, they can create a number of liabilities when alcohol is present.In the United States, an average of 29 people die each day in motor vehicle crashes involving an alcohol impaired driver.Any time you provide alcohol to individuals in a noncommercial manner, you are considered a social host. However, a… READ MORE
The Importance of Certificates of Insurance

The Importance of Certificates of Insurance

December 16, 2019
When accounting for risks related to contracted work, securing your own insurance is not always enough. It’s critical that your partners are covered as well. This is particularly important when you consider that, following an incident involving a contractor or vendor, your business could be the one held liable for any damages that occur.For the insured, COIs serve as proof of coverage—proof that can be provided to customers, contractors or other third parties quickly and… READ MORE
Tips for Renting Out Your Home

Tips for Renting Out Your Home

December 9, 2019
With the rise of services like Airbnb, you may be considering renting out your home for extra income while you’re away for an extended period of time. Though this seems like an ideal solution for families with extra room to spare, it can create issues for those who don’t properly prepare.To get the most out of renting out your home, keep in mind the following:Review the terms of your insurance policy closely and talk with your insurance broker about renting out your home.Draw up… READ MORE
DON’T DRINK AND DRIVE!

DON’T DRINK AND DRIVE!

December 2, 2019
Did You Know?Someone gets injured in an alcohol-related car accident every 90 seconds in the United States. Driving while under the influence is not dangerous only for the impaired driver; other motorists and pedestrians are put at serious risk, too.Use these tips to prevent drinking and driving:Designate a driver. This person is responsible for driving all those who consumed alcohol home safely.If your designated driver chooses to drink, call a cab or a family member to pick you up.If you… READ MORE
Staying Safe While Clearing Snow

Staying Safe While Clearing Snow

November 25, 2019
Using a snow blower or snow plow can be the perfect way to give your back a break from shoveling snow. However, it is important to take the proper safety precautions to avoid unnecessary injury while clearing snow this winter.There are some important precautions to take before you begin:Read the operator’s manual that came with your equipment before the start of each winter.Look for items hidden in the snow that you would not want to hit or run over.Make sure other family members… READ MORE
Tips for Digging Your Car Out of the Snow

Tips for Digging Your Car Out of the Snow

November 18, 2019
Not only can heavy snowfall make roads dangerous, but it can also bury your car and make it difficult to access. In some cases, vehicles can get stuck in a snowbank or on a patch of ice, making it very challenging to break free.In order to effectively free your car from the snow, consider doing the following:Use a shovel or other snow removal tool to clear a path for your vehicle. Be sure to clear off your windshield and shovel in front of and behind your tires.Turn on the traction control… READ MORE
Proper Gutter Maintenance

Proper Gutter Maintenance

November 4, 2019
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
Why Do I Need Life Insurance?

Why Do I Need Life Insurance?

October 28, 2019
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
Should I Replace or Repair My Car?

Should I Replace or Repair My Car?

October 21, 2019
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
How To Maintain Your Home For Fall

How To Maintain Your Home For Fall

September 30, 2019
Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead:Have your heating system cleaned and inspected by a qualified technician. Clean and replace the furnace filter if needed.Insulate water pipes in areas exposed to cold temperatures.Check for damaged or loose shingles to… READ MORE