Celebrate Our Nation’s Independence Safely!

 June 30, 2015

Most of us residing in Central NY, have all spent June yearning for sunshine, waiting for just one day that feels like summer. With the 4th of July fast approaching, Americans all over have high hopes for a gorgeous summer day of barbequing, swimming and fireworks.  If we are lucky enough to celebrate our day of Independence with sunshine, we may feel tempted to overdo the summer enthusiasm.   Lets celebrate safely.


Sparklers       Sparkler & Fireworks Safety

More than 50,000 fires are caused by fireworks every year.

  • Never disassemble or try to make your own fireworks.
  • Don’t point sparklers, or fireworks at yourself or others.
  • Don’t attempt to light multiple devices at the same time.
  • Never allow young children to handle fireworks or sparklers.
  • Always keep a fire extinguisher, water hose or buckets of water nearby to put out fires.

grill      Grilling Safety

July is one of the peak months for grilling fires.

  • Check gas grill hoses for cracks, holes and leaks.
  • Keep children away from grills.
  • Never grill indoors, in the garage, or in any enclosed area.
  • Keep the grill at least two feet away from decks, siding, branches and any outdoor equipment that can catch fire quickly.

Boat      Water Activity Safety

Water activities have serious risks if the proper precautions aren’t taken.

  • Review safe boating practices.
  • Never consume alcohol while driving a boat.
  • Always have enough life preservers on a boat for every passenger.
  • Pools should be enclosed completely with a fence to restrict access to the area.
  • Keep a first aid kit near the pool.
  • Never leave children unattended in or around water.

Dog      Make Your Pet’s Celebration Risk Free

More pets go missing around the 4th of July than any other time of year.

  • Never use fireworks around pets!
  • Keep citronella candles, insect coils and oil products out of reach.
  • Never leave alcoholic drinks unattended where pets can reach them.
  • Do not put glow jewelry on your pets, or allow them to play with it.
  • Keep them safe from the noise in a quiet, sheltered and escape-proof area at home.

 

To the Men and Women of the United States Military: Thank You for Your Sacrifice!

 


Congratulations Class Of 2015: Need Renter’s Insurance?

 June 19, 2015

moving-out

Graduating college is a significant milestone in your life.  One that will bring on many new and exciting life changes involving work, money, living space and possessions.  You have landed your first “real” job and with that comes a new place to call home.  Renter’s insurance is important.

Why?  Well, you want to have your personal items covered in a loss.  Your electronics, clothing, household goods and other personal items are important to you.  To make sure your possessions are protected renters insurance offers comprehensive coverage whether at home or traveling. Liability insurance included in renters coverage also helps protect against the risk of being sued.

Contact one of our Independent Agents near you for a quote!


F E M A Information

 June 17, 2015

Flood

Due to excessive and localized flooding in some areas, many have sustained property damage.  If you have experienced damage to your property due to the recent heavy rainfall that has occurred, please contact your Flood Insurance Agent. If you do not have flood insurance, you may contact FEMA for assistance.

  • Apply online at Disasterassistance.gov
  • Apply via Smartphone at m.fema.gov
  • Apply by phone (800) 621-3362 or TTY (800) 462-7585 for people with speech or hearing disabilities.

You can also visit FEMA.gov for additional information.

Preventing the Growth of Mold

  • Moisture that enters buildings from leaks or flooding accelerates mold growth. Molds can cause disease, trigger allergic reactions and continue to damage materials after the storm.
  • Remove standing water from your home or office. Remove wet materials promptly and ventilate; use fans and dehumidifiers if possible.
  • If mold growth has already occurred, it is best to have a professional remove it.
  • Individuals with known mold allergies or asthma should never clean or remove mold.
  • Be careful about mixing household cleaners and disinfectants, as combining certain types of products can produce toxic fumes and result in injury or death.

It can be difficult to throw away items in a home, particularly those with sentimental value. However, keeping certain items soaked by sewage or floodwaters may be unhealthy.  Materials that cannot be thoroughly cleaned and dried within 24-48 hours should be discarded.

Our prayers and thoughts go out to all the individuals, as well as entire communities, during this difficult time.


Throwing A Graduation Party?

 June 9, 2015

Some parents feel that it is inevitable thGrad cap 1at teens will drink on graduation night and believe that this is better done under adult supervision.  It is illegal.  If something happens to any teen and alcohol is involved you will be held responsible!

Social Host Laws in New York place criminal and civil liability on parents who allow underage drinking on their property, even if they didn’t supply the alcohol!  Parents could face up to a year in jail and a $1,000 fine.  If you host a graduation party and serve alcohol to the minor-guests, OR allow them to drink alcohol on the property, you will be liable.

Alcohol is one of the most common drugs in our society and used more commonly by young people than any other drug.  Graduation is an important milestone for every teenager.  Help your teen celebrate it in a safe but meaningful way that they will remember for the rest of their lives.


Can Your Business Survive A Disaster?

 June 2, 2015

We heard it before… “Nothing will happen to my business!” Disaster“The weather here is not that bad!”  “All my company’s important information is in my head!”

The reality is that too many of us are not prepared to deal with a hurricane, fire, flood, or blizzard;  all of which have happened right here in Central New York in the very recent past.

Here are 5 key steps to consider when implementing a program to help your company or organization survive a disaster.

  • Understand what data and systems are critical to your business;
  • Create a workforce continuity plan;
  • Create a disaster recovery plan;
  • Train your staff on disaster response;
  • Keep your insurance policy current.  Review it with your agent annually.

 The goal is for your business or organization to survive should disaster strike.


Emergency Preparedness

 May 29, 2015

 Do You Know What to Do During a Weather Emergency?

Daily routines can be disrupted with little or no warning by a catastrophic event, such as an earthquake, tornado, hurricane or flood. Help might not always be available, so emergency preparedness is key.

Being prepared for disasters and emergencies can seem like a big job. Many people don’t know where to start, so they never start at all.

The National Safety Council recommends the following general precautions that apply to many disaster situations:


Memorial Day Safety….

 May 20, 2015

PELHAM, N. Y. - A Pelham girl holds a flag as Special Purpose Marine Air Ground Task Force New York Marines march by as part of the town's Memorial Day ceremonies May 31. The Marines were on hand as part of Fleet Week New York 2010. More than 3,000 Marines, Sailors and Coast Guardsmen are in the area participating in community outreach events and equipment demonstrations. This is the 26th year New York City has hosted the sea services for Fleet Week.Many Americans use Memorial Day weekend as an opportunity to gather with friends and family and engage in favorite summertime activities.

Some of these may include cookouts, picnics, boating, swimming, motor sports, work around the house, etc…

No matter what you have planned, please make safety a part of your weekend. Make your weekend an enjoyable weekend and not a weekend of tragedy.

Be careful with the lighter fluid, wear that life vest, be careful on the ladder . . . you know what to do. Take an extra moment and ensure that everything you are doing is being done safely.

Please don’t forget to HONOR members of the U.S. Military

who have given their lives in the service of their nation, since the late 19th century.


Protect Yourself Against Fire…

 May 15, 2015

Fire-safety

We never like to see anyone sustain a fire loss or suffer injuries from it.  Fires in homes are a serious issue. Often fatal fires are the result of not having a working smoke alarm or carbon monoxide detector. You can prevent fires through simple steps.

Make sure you have a properly working smoke detector and carbon monoxide alarm.  Change the batteries at least once a year.

Plan and practice a family escape route.

Learn how to use your fire extinguisher and remember if your clothes catch on fire to: Stop, Drop and Roll.

If you are evacuating a burning building don’t go through doors whose handles are hot.

Leave your house and call for help.  Never re-enter a burning building.

 


Poisoning And Children

 May 7, 2015

 According to Safe Kids Worldwide, 165 young children PER DAY are brought to the ER after taking medications on their own.

The most common poisons include prescription and over-the-counter medications, cleaning products and personal care products.

Children are curious. To keep them safe, parents and caregivers must practice safe medicine storage.

  • Put medicines away every time after you use them.
  • Make sure the safety cap is locked, listen for the click.
  • Never tell children medicine is candy.
  • Ask visitors to lock and put away suitcases or purses containing medications.
  • Program the poison control number, (800) 222-1222, in your home and cell phones.
  • Safely dispose of leftover and unwanted medications.

Also keep laundry and cleaning products away from children so they don’t swallow them or get splashed in the face.


Protect Your Small Business…

 April 22, 2015

OPEN Bus

Business insurance is a necessity for even the smallest company in order to protect and maintain its financial health.  You seek to control losses and prevent bodily injury and property damage.  But accidents happen.

Know your coverage for your business.  Know what types of losses apply.  Know what’s not covered.  A Business Owners Policy (BOP) offers a range of coverages that small and medium sized businesses need such as these few examples:

  • Property Insurance – For your building, equipment and inventory.
  • Business Interruption Insurance – To cover losses when business is suspended.
  • Bodily Injury and Property Damage Liability – In the event you or your employees cause harm to others or to their property.
  • Medical Payments – For medical expenses resulting from injury to others on your premises.
  • Equipment Breakdown Coverage – Protects your equipment in the event of damage from a power surge, mechanical breakdown or burnout.

Discuss your concerns with your agent and keep in touch with them as your business insurance needs will undoubtedly change as the nature of your company evolves.