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DON’T DRINK AND DRIVE!

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

Avoiding Premise Security Liability

Security can be a scary prospect for property managers. While you want to provide your tenants with a safe location to live or work, the level of security you need to provide is not always clear-cut, and if it is lacking could potentially make you liable for damages in the event of a crime. Whether you deal in commercial or residential rentals, premise security claims are on the rise and it is important to do everything you can now to avoid costly litigation in the future.Increasingly, tenants… READ MORE

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