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What to Do If You Witness a Car Accident

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

Managing Credit Card Debt

Credit cards can be incredibly helpful, particularly when you need to make a large purchase. However, if you don’t keep up with your payments, credit card debt can compound and create a serious source of stress.To get the most out of your credit cards without piling up debt, consider doing the following:Treat your credit cards like cash. Avoid spending money you can’t pay back in a timely fashion.Pay the entire balance of your credit card each month.Select cards with no annual… READ MORE

Staying Safe While Clearing Snow

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

Preventing Harassment Claims

Workplace Policies to Prevent Harassment ClaimsWhile an employer’s hiring and firing practices may present the greatest risk for litigation, lawsuits based on a company’s employment practices can happen for many reasons. Poorly written policies or a manager’s style can embroil a business in the complaint of a single employee.Workplace harassment can come from a lack of managerial action as easily as from offensive behavior. A company’s risk level is reduced when… READ MORE

What to consider when buying Earthquake Insurance

If you are considering purchasing earthquake insurance, the experts at Chalmers Insurance Group would be happy to advise you. CONTACT US TODAY: Tel: 800-360-3000What Protection Does it Offer?Many people do not realize this, but most homeowner’s policies do not include earthquake coverage. You will need to purchase either supplemental coverage under your current homeowner’s policy or a separate earthquake insurance policy. Automobile insurance policies generally cover vehicles for… READ MORE

Are You Prepared for a Home Break-in?

While it may be difficult to imagine it happening to you, home break-ins are a common occurrence. If an intruder enters your home, your property and the well-being of your loved ones are at risk.In order to protect your home and family from an intruder, consider doing the following:Put an emergency plan in place and discuss it with everyone in your household.Take any measure possible to let the intruder know someone is home and aware of his or her presence.Do not assume the intruder is… READ MORE

Tips For Exercising Without Injury

Tips for Exercising Without InjuryWhile exercising can improve your mood, fight chronic diseases and help you manage your weight, it can put a strain on your body if you don’t take the proper precautions. To get the most from your workouts and decrease your risk of injury, you should take the time to warm up, cool down and stretch.Warming Up TipsMove similar to how you will in your workout by walking briskly, jogging or biking at a slow pace.Increase the intensity gradually to reduce… READ MORE

Know Your Insurance: Common Auto Insurance Terms

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance.The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker:Accident report form: Sometimes referred to as a police report, this form contains important information about an auto accident, such as circumstances that led to an accident, the parties involved… READ MORE

Declutter for a Safe Work-space

A cluttered, unorganized work-space isn’t just unsightly—it is also dangerous. Poor workplace housekeeping, such as failing to clean up after yourself, can contribute to the following:Injuries caused by slips and falls when clutter is on the floorPotential fire hazardsExposure to hazardous dust and vaporsErgonomics issues that arise when clutter takes over your workspace, leaving you little room to workNo matter what type of environment you work in, it is important to keep… READ MORE

Parking Lot Safety Tips

Parking lots are a common hazard for drivers and vehicles alike. Slips, falls, auto accidents, theft, harassment and assaults are just some of the risks individuals face while using parking lots.Thankfully, there are a number of precautions drivers can take in order to protect themselves and their vehicles, including the following:Park in a well-lit area, preferably one with surveillance cameras and security patrol services.Avoid parking near shrubbery or other areas that could conceal… READ MORE