General News

blog homeowners rights

Do you know why spring is known as the home buying season? It seems that almost half of home sales for the entire year occur during the period of April through June.

If you are shopping for a new home, you probably already know that you’ll be asking a lot of questions. You’ll want to know about the neighborhood, perhaps the schools, and the financials – from the mortgage interest rates to fees and taxes. After all, buying a home is likely the largest investment you’ll be making.

Wednesday, 12 April 2017 05:18

blog older car

If you are driving an older car by choice, then you probably already know that you’re not alone. In 2007, Americans were keeping their cars for over nine years before replacing them. Moreover, newer research shows that the average age of the almost 2.5 million cars on the road exceeded 11 years in 2014; and that figure is expected to inch closer to 12 years during the next four years. Why is this so?

Wednesday, 15 March 2017 14:06

 

Workplace safety program prevents employee downtime and lowers workers compensation expenses for business ownersAs a business owner, you know the effect workers’ injury and illness can have on your business productivity and bottom line. Perhaps you also know that putting in place the right workplace safety program can help to mitigate the risk and expense and help to hold down work-related injuries and illness and thus minimize the cost of your workers compensation coverage at the same time. This is especially true since a large part of your premium for workers comp insurance is based upon claim frequency.

The safety program you implement should comply with the Occupational Safety & Health Act (OSHA). Why is this important? Because insurance carriers typically have an interest in how effective and comprehensive your workplace safety program is as they decide whether to provide your coverage. If you need help with compliance, OSHA can provide information, consultation and/or training as needed. 

Thursday, 23 February 2017 14:27

young-man-viewing-laptopIf your own talent and expertise are critical to the success of your business and you are seeking to grow by attracting investors, then you want to be completely prepared when you make your pitch to those holding the purse strings. In particular, be ready for some possible reluctance on the part of potential investors who might worry about the risk involved when the success of your business is dependent on your personal health and well-being.

One way to allay investors’ anxiety is to assure them that – should you be unable to continue running the business – your Key Person (a/k/a Key Man) Insurance would allow the hiring of one or several people to fill your shoes.

Thursday, 09 February 2017 14:12

car-tire-splashing-in-waterThere has been much discussion about whether it is safe to use your car's cruise control when driving in the rain, and some experts might not think there is any danger in it.  But perhaps it's better to err on the side of caution than to be filing an auto insurance claim after an accident has occurred.

In fact, the National Safety Commission recommends that drivers only use cruise control to set a regulated speed at the posted limit when driving on dry roads for a couple of very good reasons.

  • During the period just after rain begins to fall when a light sheen of water is standing on the surface, the road is at its most dangerous. This is because recently-accumulated oil, grease and dirt rise into a layer on top of the water causing very slippery conditions. As rain continues, the residue is washed away and road conditions improve.
  • Roads are equally as dangerous during heavy rain but for a different reason. Heavy rain causes standing water on the road which can become deep enough to prevent the tires from squeezing the water through the tread fast enough. When this happens, the tires lose their grip on the road and slide  across the water like water skis. This creates "hydroplaning" which can actually start at speeds as low as 35 mph. Of course, it becomes especially dangerous when speeds exceed 55 mph.
Wednesday, 18 January 2017 14:23

 

Could your household clothes dryer be a potential fire hazard?Are you like many of us who just assume that the household appliances we use each day will always be reliable… and safe. For example, we all do the regular grind of laundry; but we rarely consider that our clothes dryer could become a serious fire hazard. However, the U. S. Fire Administration (a division of FEMA) tells us that an estimated 2,900 clothes dryer fires occur in households each year resulting in some 100 injuries (with an estimated 5% fatalities) and causing approximately $35 million in property damage.

The USFA reminds us that dryer fires are more frequent during winter months. The main cause of such fires stems from failure to thoroughly clean the appliance, allowing unfiltered fibers and lint to settle around the exhaust pipe or the heating element where they can ignite.

Monday, 14 November 2016 14:33
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