May 20, 2015
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.
May 15, 2015
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.
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.
April 22, 2015
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.
April 16, 2015
Spring planting season is the most dangerous time of the year for farmers.
While the weather is warming up, tractors will be started, plows attached, and long days of hard work will begin as farmers hurry to get their crops in the ground.
- Don’t wear loose clothing around equipment.
- Install a ROPS (rollover protective structure) on tractors to prevent rollovers.
- Shield all PTO-powered equipment drive shafts.
- Do not put young kids on farm equipment.
- Never leave running power equipment unattended.
- Have a fire extinguisher nearby.
Whether you have a hobby farm or a 500 acre dairy farm, safety should be your first priority. Make your farm a safer place, and you’ll be able to thrive on it.
April 14, 2015
An empty house can be an invitation for a burglar. Burglars are less likely to break into a home or apartment that looks occupied. Leave lamps on when you go out. If you’re going to be gone for a while, connect some lamps to timers to turn them on during the evening.
Burglars hate security lights outside. Motion-sensor lighting can make it seem like someone turned on a light to check out the yard.
April 9, 2015
Just like your home, your identifying information and accounts can always benefit from a thorough once-over Spring cleaning.
- Documents – Now is a good time to destroy or secure old paperwork, especially if your taxes already have been filed. File or shred receipts, bank statements, medical or health insurance statements. Invest in a quality shredder.
- Passwords – Change passwords on your online accounts. It’s a good idea to do this from time to time to stay one step ahead of hackers and identity thieves.
- Technology – Clean all computing devices, including tablets and smartphones, and make sure that any software protections are functioning and up-to-date. That means installing and updating antivirus and antimalware software and renewing security subscriptions. Log out of mobile apps for online banking after each use.
- Credit – Order a free copy of your credit report. And beware of some companies that require a subscription or credit card to do what you’re entitled to do for free.
- Protection – Add Identity Fraud protection to your policy and get a FREE RFID blocking wallet! Contact your Agent for details.
With a little effort now, you can stay on top of your information and safeguard it, letting you spend the rest of your time worrying about how you’re going to relax once warm weather finally arrives.
April 7, 2015
Spring time seems to be a magnet for water damage. As the weather warms and the snow melts, flooding is imminent.
It is much easier to protect your home from flooding than it is to clean up after your home is flooded. Just a little water in a basement or ground floor of a home can be a huge mess that is expensive and time consuming to clean up. This spring, take a few minutes to walk around the outside of your home to see if you are at risk for flooding.
- Inspect your gutters and downspouts for debris.
- Inspect the foundation for cracks or holes.
- Check to see if the soil around the foundation slopes away from the house.
- Re-direct your gutter downspouts – At least five feet away from your home.
- If you have a chronic problem with water seeping into your basement, invest in a sump pump.
In the past 5 years, all 50 states have experienced floods or flash floods and Homeowners insurance does NOT cover flood damage. Contact your agent to discuss Enhancement Endorsements that can offer some assist, should you experience interior water damage.
March 31, 2015
As you’re chasing dust bunnies and picking through cluttered closets while spring cleaning, don’t forget your insurance policies. They may need to be dusted off and refreshed, too. Reviewing and adjusting your insurance coverage is an important part of overall financial planning. Contact your agent today!
Spring signifies better things to come!
March 25, 2015
Passwords provide the first line of defense against unauthorized access to your accounts. The stronger your password, the more protected you will be from hackers and malicious software. But, with all the passwords needed, it’s difficult to remember them.
Try using passwords that consist of a few words. Examples are “rainisfalling” or “littlebobeep”. They are easy to remember, and when you’re prompted to change the password, you can just swap out one part of it. Example would be to change “rainisfalling” to “skyisfalling”. If you feel you must write down your password in order to remember it, make sure you don’t label it as your password, and keep it in a safe place.
Finger Lakes offers enhancement endorsements to provide you with the best coverage for ID Theft. Contact your Agent for further details.