Strachan-Novak's Insurance Blog. Page #27 | Blog

While dehumidifiers won't drop temperatures, they can mitigate the oppressive wet blanket of sticky air that descends on more humid areas during the summer months. Contentious territory between airplane seats crossword puzzle. While certain upgrades provide safety discounts, other improvements may require more or different insurance and may result in higher insurance premiums such as more living space, upgrades to kitchen or bathroom, and the installation of a pool. Regular homeowner's insurance will cover loss or damage due to certain risks, such as fire, hail or theft. Doing so may increase profits and enlarge your income, and more money makes all the other resolutions in your life that much more attainable.

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Made more palatable as restrictions crossword clue. Call or Contact Us today to discuss umbrella Insurance, and to see if it's right for you. Getting out of the car and onto a bicycle can do wonders for your heart health, your physique, and for the environment. Liability protection. Before you host a party, check out your property to make sure your guests will be safe. Consumer Product Safety Commission, over 200 people in the United States die annually from carbon monoxide poisoning, usually due to faulty gas appliances. These types of situations can put your business at serious financial risk, and this is where commercial umbrella insurance comes in. UFO Insurance: Don't think it won't happen to you: UFO and alien insurance will give you peace of mind when it comes to abduction or impregnation by aliens. Between personal motor vehicles, factories, trains, and other sources of toxic fumes, the outside air would seem to be significantly more toxic than the air within our seemingly pristine indoor environments. But why not also resolve to enhance the health of your business? This can be incredibly costly if your student happens to be hurt while away from school. Contentious territory between airplane seats crosswords. This means that the policy's owner has the right to change it into a permanent type of life insurance without additional evidence of insurability. Those who do plan to incorporate a bounce house into their next celebration should heed the following tips: Finally, if you intend to set up a bouncy castle at your own home, make sure you have a comprehensive homeowner's insurance policy in place, one that will cover any damage to your property that may be caused by the bouncy castle, as well as any injuries others might suffer while using it.

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If you're a small business owner, chances are the pandemic has been especially tough on you and your family. Follow this link to the National Sanitation Foundation for help choosing the best water filteration system for your needs. Here are some ideas: For any questions about employee health coverage, Contact Strachan-Novak today. Typical causes of loss, or perils, insured against on an Inland Marine policy include fire, lightning, windstorm, flood, earthquake, landslide, theft, collision, derailment, overturn of the transporting vehicle, and collapse of bridges. Strachan-Novak's Insurance Blog. Page #27 | Blog. Teach your kids to always cross in front of cars and buses (not behind), and to avoid texting while walking. Don't undermine your considerable efforts by failing to get the proper insurance, or you may end up having to fork out much more than you planned in the event of an accident. Finally, know your limits. Stop serving guests who have imbibed too much alcohol, and prevent those who have had too much to drink from driving home. Directors and Officers Insurance, commonly called D&O Insurance, is a little different in that its purpose is to protect the personal assets and income of boards of directors and corporate officers. Common Nails ||Quick repairs|. Communicate early and often: As a parent, it is your responsibility to notify your child's school of his or her allergy.

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This is how the law of large numbers helps insurance providers determine their rates, and why the rates vary from one type of individual to another. Invite the agent to tour your premises and discuss how you are currently managing risks. And here's how you're going to do it. You should discuss what electronic data your business uses with your insurance agent to assure you have the right coverages. This way, expenses are paid without a liability claim being filed against you.

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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Those of us with significant assets or income or the expectation of either in the future, should give serious thought to supplementing our auto, homeowner and other liability protection with a Personal Umbrella Policy. But even if that family is just you and your spouse, it's a big deal to know that someone is depending on your sticking around, and vice versa. Since both loss and thievery are fairly common in most university settings, it's important to obtain coverage for these types of items so as to avoid paying for their replacements. Typically, with insurance limits (the maximum amount of money an insurance company will pay you for a covered loss), the higher your coverage limit, the higher your premium may be but we have options to minimize the cost of improved protection. While most of us won't experience a disaster like Hurricane Katrina in our lifetimes, it's still up to us to consider our beloved companion animals when planning for emergencies, big and small. Boating, camping, and cycling gear can all benefit from a seasonal tune-up. Long Term Care Insurance can be an effective way to provide for your own care or that of a family member and protect your assets from being consumed by the cost of care.

Often, companies have credits available if all household occupants are non-smokers due to a reduced fire risk. Generally, you are covered for between $1, 000 to $2, 000 for all of your jewelry and furs. The heat and humidity that tend to lurk around in the summer months around Ohio create the perfect recipe for thunderstorms. How to stay safe: Always secure valuable items if you are hosting people at your home. Should you be driving your personal truck or van for a business purpose and get into an accident for which you are liable, an injured person could sue you personally. Ask about special coverages that might apply to your property or situation. Households in less developed countries, along with poorer households within the U. S., rely on biomass fuels such as wood, coal, and agricultural waste to heat their homes and cook their foods. For example, Colorado Springs Utilities estimates that water back up damages amount to $1, 000, 000 annually and that 80% of these losses are unpreventable. Sitting as a director on a co-op, condo, or non-profit board can also create exposure to personal liability for unintentionally failing to disclose conflicts of interest, breach of duty, or commingling personal and business monies and assets. A handyman should be able to handle any minor issues; hire a roofing company for larger repairs. Then there are the risks from electrical storms and those weather hazards that seem to come out of nowhere, like tornados and flash floods. Serve alcohol responsibly, and don't allow guests to engage in rowdy behavior or unsafe practices at your home. Whether you're whipping up something in the kitchen or delivering homemade goodies, here are a few tips on food safety for the season: The Partnership for Food Safety Education suggests following "The Core Four Practices" to help prevent foodborne illness in the kitchen. That's why some home insurance policies now adjust their premiums according to the types of dogs homeowners keep.

But having a hydrated tree will make all the difference in the event of fire. Documenting your efforts to behave lawfully can be vital to proving that you are not liable. Learn the rules of the road: Make sure kids know the rules of the road for pedestrians, especially if their school is in a busy area. Here's what you need to know to be safe on your ATV, and to help prevent injuries to yourself and others: Even if you're an experienced driver, you should still educate yourself on the unique challenges of manning an ATV. The federal government requires buildings in flood zones that don't conform to flood plain building codes to be torn down if damage exceeds 50 percent of the market value. And, already, a robotic car can perceive things that no human driver can, like the vehicles driving in front of an eighteen wheeler, which would be invisible to a person.