Schaefer & Delauder Insurance Blog

In the Market for a New Vehicle in 2018?

If you’ll be purchasing a new car, truck or SUV this year, you might already have narrowed down your list of possibilities based on appearance, features and performance. But have you considered safety?

The Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) have just made it easier for you to know how your favorite makes and models measure up in terms of safety.  They have published their 2018 TOP SAFETY PICK+ list and their TOP SAFETY PICK list.  The difference lies mostly in the performance of their headlights and their degree of passenger-side protection.

 

Did your vehicle pass the test? Read More below to find out...

Monday, 22 January 2018 12:36

Congratulations to Mike Phillips of Mt Airy, Maryland, our 2017 Sweet Rewards Referral program winner.

Schaefer & Delauder Insurance Sweet Rewards Referral Program Winner - 2017 

Read More for the who, what, and how...

Thursday, 18 January 2018 11:14

Happy New Year - Time to Review Your Insurance Coverage with Schaefer & Delauder InsuranceAs this year begins, it offers the perfect time to reflect on your life over the past 12 months – what worked for you and what didn’t. As you take stock of where you are, why not take the dawning of a new year as a prompt to check out your insurance policies and decide what should change.

Your insurance portfolio should always be a work in progress because, just as your life changes constantly, your insurance coverage must change to fit your circumstances. Whether it’s your auto insurance or the coverage on your home or maybe the amount of life insurance you carry, the new year is a good time to take a close look at what you have versus what you might now need.

Now you might be wondering  why do this and, in fact, how to go about evaluating your insurance.  The reason to do it is to be best prepared for whatever comes your way. As to how to do it: you might want to start by focusing on what you see as the worst that might happen to your vehicle, your home, your health/life. When you’ve come to terms with those scenarios, then decide what role your insurance portfolio needs to play should you  need to recover from a setback. Armed with that information, you will know what your insurance needs are; and then it’s time to schedule a visit with your insurance agent to review your current policies and discuss your options.

Read More below to see how to evaluate your insurance and what questions to ask...

Friday, 05 January 2018 13:37

 

protect your pets during an emergencySummertime often can bring violent weather in the form of severe thunderstorms, hurricanes, tornadoes, and flooding  that can endanger communities. Those threats or others such as fire, power outage or exposure to hazardous material  could cause your family to evacuate your home – often with very little notice.

We all know the value of being prepared for such possible disasters, and you probably already have your own disaster plan in place to protect your family.

But have you included your pet in those plans? If not, you could be forced to leave them behind to fend for themselves if evacuation were necessary because most emergency shelters do not accept pets.  The Insurance Information Institute (III) offers some sound advice to help you add your pet to your evacuation plans. Below you'll find information on other resources to help you protect your pets from risk during an emergency or evacuation.

Wednesday, 26 July 2017 05:18

 

Outdoor Workers must guard against heat illness during hot monthsHeat can be a real danger for workers during the summer, especially those who work outdoors with temperatures into the 90's. So, for your employees – especially those who work outdoors  --  summer heat is not only uncomfortable,  it can be down right dangerous.

Recognizing the immediate threat, OSHA is currently promoting a national outreach initiative to educate workers and employers about the hazards of working outdoors in the heat and steps needed to recognize and prevent heat illnesses.  The simple message: "water, rest, and shade."  Their website includes segments with resources, educational material and much more for you to use to make your workforce aware of the dangers and how to cope with the extreme heat this summer. 

As an employer, you want to protect your employees against possible injury and danger; so you will want to educate them to avoid heat-related illness. OSHA reports that, each year, thousands of outdoor workers encounter heat illness as they do their jobs, and it  often manifests as heat exhaustion. Heat Stroke can quick follow heat exhaustion if it is not handled promptly. Heat stroke was responsible for the death of 30 workers last year.

Monday, 10 July 2017 05:18

blog hurricane

June 1st marks the beginning of the Atlantic hurricane season, and the peak season runs from mid-August through October. Except for the coastal areas, the midAtlantic region of the country rarely suffers direct hits from hurricanes. But we do experience severe storms with high winds, lightning and flooding – often the indirect result of hurricanes. So it is helpful to know what to do before, during and after a storm hits.  

One thing that could be overlooked is the potential harm that can come from the electricity in your home. The Electrical Safety Foundation International (ESFI) offers the following safety tips to help you avoid injuries from electrical and fire damage.

Friday, 07 July 2017 14:03
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