Posted by admin on Fri, 07/05/2019 - 12:02

Lots of barbecues are happening this weekend.  It’s is no better time to pass along some grill safety tips to make sure your party is fun and incident free.  Here are some statistics to illustrate the point.

From 2013-2017, grills, hibachis and barbecues were involved in 10,200 home fires per year. These fires were responsible for at least 10 deaths, 160 reported injuries, and $123 million in property damage. July (17%) is the peak month for grill fires, followed by June (14%), May (13%) and August (12%), according to the National Fire Protection Association (NFPA).

  • Always use propane and charcoal grills outside
  • Place the grill away from the home, deck railings, and out from under eaves and overhanging branches
  • Keep children and pets at least three feet away from the grill area
  • Keep your grill clean by removing grease or fat buildup from the grill and the tray below the grill
  • Never leave the grill unattended
  • Always make sure your gas lid is open before lighting it
  • Get your charcoal ready by using charcoal chimney starters which allow you to start the charcoal using newspaper as fuel
  • Only use charcoal starter fuel.  Never add charcoal fluid or any other flammable liquids to the fire
  • Keep charcoal fluid out of the reach of children and away from the heat source
  • If using an electric charcoal starter, be sure to use an extension cord for outdoor use

Follow these tips provided by Danielle Ling at Property/Casualty 360 for a safe and happy barbecue.

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Posted by admin on Fri, 06/28/2019 - 15:55

Getting ready to explore the US in your RV.  Take a look at these safety tips provided by Property Casualty 360 to ensure you have a wonderful risk-free trip.

  • Install smoke alarms
  • Stay in the kitchen while you cook
  • Use only one heat-producing appliance plugged into a receptacle outlet at a time. Appliances should be plugged directly into a wall outlet
  • Check for propane leaks (refrigerators, furnaces, ovens and stoves)
  • Have your propane system inspected
  • Know two ways to exist and ensure windows open easily
  • Practice a fire escape plan
  • Turn off camping heaters and lanterns while sleeping
  • Make sure campfires are permitted before setting one up
  • If campfires are allowed, set up at least 25 feet away from anything that can burn
  • Have your vehicle serviced by a qualified mechanic
  • Keep a portable fire extinguisher on board to use only if there is a small fire that can be contained

RV fires cause million dollars in damages.  So follow these tips to reduce the chance of a fire claim.  Travel safely and enjoy the great outdoors.

Source: Property Casualty 360

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Posted by admin on Fri, 06/21/2019 - 12:51

Today is the first day of summer and the longest day of the year.  Your children are out of school, and vacation plans are underway.  Get prepared for summer by following these maintenance tips provided by Heather Turner from Property/Casualty 360:

  • Check doors and windows for any holes or tears.
  • Inspect electrical outlets and cords for potential fire risks, such as damaged wires or loose plugs.
  • Check toilets for leaking.  Examine pipe/hose connections in bathroom and laundry room for cracking, wear or leakage.
  • Clean or replace your furnace filter, dryer vent and lint trop to reduce fire risks.
  • Check outside wood structures for rot or deterioration.  Replace and repair any rotted or loose boards and protruding nails.
  • Evaluate swing sets and other recreational equipment for damage, such as rusty bolts, and sharp edges.
  • Examine outside windows, doors and their frames for damage.
  • Walk the entire perimeter of your yard to check for signs of damage or evidence of unwanted wildfire or rodents.
  • Inspect the roof for potential issues.
  • If you do find damage, make necessary repairs immediately to prevent future damage.

Add these tasks to your honey-do list and prepare for a risk-free summer.

Source: Property/Casualty 360

 

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Posted by admin on Fri, 06/14/2019 - 11:46

To all the fathers we hope you have a great weekend.  May you enjoy the celebrations of Father’s Day with your children and father.  We send warm greetings to you all.

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Posted by admin on Fri, 06/07/2019 - 14:17

School is wrapping up for the year, and teen drivers are ready to hit the road this summer.

In a recent article by Denny Jacob, he discusses summer driving risks for teenagers.  We thought it would be good to repeat these for you to share with your teens.

  • Seat Belt Use – Remind them to wear their seat belts at all times when driving
  • Driving Conditions – Make sure your teen knows how to drive in heavy rain, heavily congested areas, fog, and flooding
  • Distracted Driving – Keep all electronics out of reach – no texting
  • Speeding – Open roads are not conditions for speeding or drag racing
  • Driving With Passengers – Focus on the road, not the passengers
  • Alcohol Use – Has you teen take the pledge to not drink and drive
  • Difficulty Judging Space and Time – Parking and judging length and width of a car can be challenging to a teen and lead to both fender benders and side swiping.  Your teen should be comfortable with parallel parking.

Take ten minutes to talk with your teens and prepare them for a safe summer.

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Posted by admin on Fri, 05/31/2019 - 10:54

Hurricane Season officially begins June 1st.  This Spring has been tumultuous with weather activities such as tornadoes, heavy rain and flooding. Now, Hurricane Season is here and experts predict 13 named storms. While activity is slow in the beginning of the season, now is the time to purchase a flood policy to protect your home or business from the devasting effects of water and flooding.  Remember, It takes 30-days for a policy to take effect.

For tips on Hurricane Preparedness – Be Ready go to https://www.nhc.noaa.gov/prepare/ready.php.

If you have any questions such as are you in a flood zone, give us a call at the agency.

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Posted by admin on Fri, 05/24/2019 - 12:10

Please take a moment this weekend to honor all those who have served and died for our country.  It is because of them that we enjoy the freedoms we have.  Happy Memorial Day!

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Posted by admin on Fri, 05/17/2019 - 12:49

Most companies will suffer a cyber attack at some point. Making a plan and practicing for a cyber event can help minimize risk and expedite recovery.

What do to prepare for a cyber event?

  • Create a plan
  • Practice the plan to handle different types of scenarios
  • Evaluate security vendors to insure they are the right vendors
  • Identify potential gaps in your security  program

Cyber Attack Statistics 

  • 58% of small businesses have experienced an attack
  • 60% of small businesses that have experienced an attack go out of business in the next year.

Need help with putting together a plan and purchasing cyber insurance protection, give the agency a call today.

Source: Zurich

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Posted by admin on Tue, 05/07/2019 - 11:36

As a small businessowner, it is difficult to keep up to date with the latest topics and issues.  The SBA is offering a free online conference hosted by the US Small Business Administration and SCORE.  For today and tomorrow you can register and attend all or pick and choose the sessions you wish to attend.

Today’s topics include:

  • The U.S. Economic Outlook and its Impact on Small Business
  • SBA Funding Programs Explained
  • The Cultural Imperative: Drive Growth with Customer Obsession
  • Creating Effective Online Ads

To register, go to Virtual Conference.  We want to thank all of our small business clients for their trust in us.

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Posted by admin on Fri, 05/03/2019 - 11:37

Spring is here and what better time to tackle the job of checking your car for any winter weather damage.

Here’s a few tips to help you make your car look like new and running in tip-top shape:

  • Remove all dirt and grim both interior and exterior.  It’s recommended you clean your car once a month.
  • Change the oil & filter – oil/filter should be changed every 5,000 to 7,500 miles.
  • Check your tire pressure and rotate your tires.  Rotate every 7,500 miles to get the most ware out of your tires.
  • Check the brakes.  Have them tested every 25,000 miles to ensure safety on the road.
  • Check your headlights and replace bulks that don’t function.
  • Change the air filters – it will change the short-term and long-term performance of your car.
  • Maintain your radiator – check for leaks and add coolant if necessary to run efficiently.

Performing these tasks on your vehicle will help you have a summer without mechanical worries.

Source: Property Casualty 360

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