Coping with loss in a catastrophe

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Safety should be the No. 1 priority
after a natural disaster.

Protecting yourself and your family is your first priority when your auto, home, business or personal property is damaged or destroyed by a tornado, hail, flood or other catastrophic event. Promptly treat any injuries. Remain calm and carefully survey the damage.

Be cautious during post-catastrophe activities to avoid injuries during rescue attempts and cleanup. Watch for downed power lines, gas leaks and electrical hazards that could result in fire, explosion or electrocution. Listen to local officials and emergency management personnel, who can assist you with locating emergency medical treatment, temporary accommodations, clothing, food, water and other needs. Read More

Invest your time with an independent agent

Avoid insurance gaps by discussing your needs with your agent.

Avoid insurance gaps by discussing your needs with your agent.

When you’re purchasing insurance for your home or business, the most important investment you make is not the premium you pay, but the time you spend with your agent.

Once every three years, at least, sit down with your independent agent and get some good advice.
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When water is not your friend

Automatic shut-off systems can help prevent costly damage or frustrating cleanup.

Automatic shut-off systems
can prevent costly damage.

Refrigerators, water heaters, dishwashers, washing machines and toilets can be sources of leaks that can cause significant damage if not detected early.

A burst pipe with as little as a one-eighth-inch crack can release 250 gallons of water a day, according to the Insurance Institute for Business and Home Safety.

The most effective way to prevent costly water damage in your home is to install a leak detection and water shut-off system. There are several levels of protection that can meet the needs and budgets of all homeowners: Read More

Contractors: How stable is your surety relationship?

Contractors need a stable surety bond program.

Contractors need a stable surety bond program.

The construction economy hasn’t exactly shifted into high gear just yet, but the future looks a lot brighter. As we move into 2014, contractors gearing up to pursue public works projects or other bonded work will want to ask yourself: where do I stand with my surety?

Your capacity to qualify for the best terms on your surety bond program creates business opportunities for you and protects the interest of the community that depends on your work.
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