Lights out: Preparing for extended power outages

Consider extended power outages when<br />creating a disaster preparedness plan.

Consider extended power outages when
creating a disaster preparedness plan.

Most of us can, reluctantly, endure the occasional brief power outage from a summer thunderstorm.

But an extended power outage can be a challenge to our dependence on modern appliances and electronic devices, and disaster plans should take power loss into account.
Read More

When planning a spring event, prepare for the unexpected

woman-holding-flowers

Consider insurance needs
for your spring events.

Organizing any event  ̶  whether a festival for thousands or a garden walk for a hundred  ̶  takes many hours of planning and preparation. However, unexpected situations can arise with even the most meticulously planned events.

To help ease the worries of injury, property damage or other unforeseen exposures, speak to your local independent insurance agent about whether you have adequate insurance coverage for your event, large or small. For some situations, you will want to seek advice about your homeowner or personal umbrella coverage. For larger events sponsored by a club or organization, a commercial insurance policy may be the best choice. Read More

Remodeling? Keep rebuilding cost in mind

home-remodeling

Make sure the insured value of your home
keeps up with your home remodeling plans.

While stuck indoors this winter, did you look around and plan any home projects? Whether you do it yourself or hire a contractor, remember to update your homeowner insurance as you increase your home’s value.

The Coverage A limit on your homeowner policy is the amount of insurance you have to reconstruct your home in the event of a total loss. All costs associated with replacing or rebuilding your home are considered when developing this Coverage A limit. When you make changes that increase the value of your home, you may also need to increase the coverage limit.
Read More

Is your business protected from hail?

2006-2012-hail-mapMost areas of the country experience hail storms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers.

A major hail storm can severely damage fins on your heating, ventilation and air conditioning equipment, rendering it inoperable. That may affect your operations or cause you to cancel functions.
Read More