Life Happens, a non-profit organization, has an entire website devoted to life insurance. September is Life Awareness Month and you will find calculators to assist in determining the insurance coverage you need, along with helpful videos and educational pieces. Go to https://lifehappens.org to find out what you need to protect your family and then call the agency to discuss.
Source: Life Happens.org
The Small Business Administration has created a Business Guide to help keep your business running if a disaster strikes. It provides steps to prevent and prepare for disaster, and know where to get aid if disaster strikes.
Over 25% of businesses do not open again after a major disaster. Don’t be one of them. Go to https://www.sba.gov/business-guide/manage-your-business/prepare-emergencies?platform=hootsuite&utm_medium=email&utm_source=govdeliveryto check out these valuable resources and download disaster specific checklists.
Labor Day, celebrated the first Monday in September, pays tribute to the contributions and achievements of American workers. It was created by the labor movement in the late 19thcentury and became a federal holiday in 1894 by Grover Cleveland. Labor Day weekend also symbolizes the end of summer.
On behalf of all of us at the agency, we want to wish you a safe and happy Labor Day.
Last week’s post dealt with child safety, today we’d like to provide tips for drivers in a school zone. Please review and be prepared for back to school traffic.
- Be on the lookout for school zone signals and ALWAYS obey the speed limits.
- When entering a school zone, be sure to slow down and obey all traffic laws.
- Always stop for school busses that are loading or unloading children.
- Watch out for school crossing guards and obey their signals.
- Be aware of and watch out for children near schools, bus stops, sidewalks, in the streets, in school parking lots, etc.
- Never pass other vehicles while driving in a school zone.
- Never change lanes while driving in a school zone.
- Never make U-Turns while driving in a school zone.
- Never text while driving in a school zone.
- Avoid using a cell phone, unless it is completely hands-free, while driving in a school zone.
- Unless licensed to do so, never use handicap or emergency vehicle lanes or spaces to drop off or pick up children at school.
Getting your children ready to start school is a perfect opportunity to review keeping them safe.
Reader’s Digest has nine tips – take the time to review them with your children before school begins.
- Plan a walking route to school or the bus stop
- Walk the route with your child beforehand
- Teach your child never to talk to strangers
- Be sure your child walks to and from school with a sibling, friend, or neighbor
- Teach your children, whether walking, biking, or riding the bus to school, to obey all traffic signals
- When driving kids, deliver and pick them up as close to the school as possible
- If your child bikes to school, make sure he/she wears a helmet
- If your child rides a scooter to school, make sure he/she wears sturdy shoes, a helmet, kneepads, and elbow pads
- Teach children to arrive at the bus stop early
- Remind your children to stay seated at all times
- Tell your child not to bend down in front of the bus to tie shoes or pick up objects
- Be sure that your child knows his/her phone number and address
The school year is just about ready to start, let’s make sure our children are safe to begin.
Source: Reader’s Digest
Safe & Sound Week is a nationwide event held each August that recognizes the successes of workplace safety and health programs and offers information and ideas on how to keep American’s workers safe.
OSHA has put together an entire program that features a webinar, course offerings, Safety & Health Program Recommended Practices, brochures, and much more.
To participate, go to https://www.osha.gov/safeandsound/and sign up today. We encourage you to take advantage of this program as it is free and offers great workplace practices for your employees.
We usually prepare for a flood, hurricane, tornado, or weather-related incident with a go bag, but have you prepared for your pets. Take a look at a couple of tips to consider:
- Create an emergency kit with food, medications, vet record, and an identification tag
- Pack your carry-crate so you pet is safe and ready for transport
- Know where to evacuate. Most shelters won’t accept pets, so keep a pet-friendly list of hotels or facilities that allow for pet boarding. (Make sure you meet their requirements regarding shots and vet records)
- Have bottled water on hand. Store a gallon of fresh water for each pet.
- Keep your flood insurance policy in a safe place.
Need help with a flood policy, give the agency a call.
Source: Property/Casualty 360
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.
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
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