On March 18, 2020, President Trump signed the Families First Coronavirus Response Act (the Act) into law. The Act requires employers to provide paid leave for some employees related to the coronavirus (COVID-19) pandemic, among other measures. The leave provisions of the Act take effect no later than 15 days after it is signed by the president.March 14, 2020 - The Act was passed by the U.S. House of Representatives.March 18, 2020 - The Act was passed by the U.S. Senate and signed by the… READ MORE
When you see a car accident, a calm, quick response can make all the difference. To ensure the safety of those involved in the crash, do the following if you witness an accident:Ensure your safety first by parking your vehicle away from the crash. Be cautious of broken glass, leaked fuel or open flames.Call 911, even if the wreck doesn’t appear to be severe.Check the victims after you’ve ensured your own safety. Offer to help.Have those involved in a crash turn off their… READ MORE
Getting married isn’t all about planning the wedding. It’s also about planning for a happy, healthy financial future. Here’s where to start. As you’re planning your wedding, take time to plan your financial future as well. Discussing your finances and goals with your partner can help you build a happier, more fulfilling life together. The old saying about marriage is true when it comes to money too: good… READ MORE
The Chalmers Insurance Group team is here to serve you. This service includes assisting you and advocating for you in the event of a claim. If a loss occurs, please follow these steps.Your insurance contract requires that you report all claims promptly. Therefore, contact us as soon as possible after a claim. We will help you through the claims process and report your claim to your insurance company for you. An insurance company claims adjuster will be assigned to handle your claim. You should… READ MORE
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
What Coverage Options Are There For Second Homes?At a minimum, your lender will require that you carry hazard insurance to protect your property against damage from fires, earthquakes or severe storms. It is also a good idea to add liability insurance, which covers you and members of your household for accidental injuries to your visitors. Opting for property plus liability insurance adds up to a standard homeowners insurance package. For an extra layer of protection, a personal umbrella… READ MORE
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
Uber, Lyft and other ride-sharing services can make it easy to get a quick car ride or make some extra income, and they’re only becoming more popular. In fact, in the cities where these platforms are available, taxi ridership has declined anywhere from 10%-30%. However, the convenience of ride-sharing isn’t without risks. Most ride-sharing businesses are in the early stages of development, and the popularity, risk management and compliance issues they’re facing are all in… READ MORE
As the number of reported cases of the novel coronavirus (COVID-19) continues to rise, employers are increasingly confronted with the possibility of an outbreak in the workplace.Employers are obligated to maintain a safe and healthy work environment for their employees, but are also subject to a number of legal requirements protecting workers. For example, employers must comply with the Occupational Safety and Health Act (OSH Act), Americans with Disabilities Act (ADA) and Family and Medical… READ MORE
Be PreparedAs winter ends and temperatures begin to rise, the accumulating water from melting snow and ice leaves your home susceptible to damage. Protect your home ahead of time to minimize your risk.SNOWMELT PROTECTION TIPSUse these four tips to help reduce your home’s risk of snowmelt damage:Clear snow from your home’s foundation. Shovel snow away from your home, including stairwells, window wells, downspouts and doors to help prevent water from seeping in through… READ MORE
