Guaranty Association Benefits Company

The 5:42 p.m. Friday. John, the owner of a small manufacturing company, leaves work to meet Jennifer, his banker, for dinner. After five years of activity, the company is profitable and John moving in the right direction. He met Jennifer to discuss a loan to invest in new equipment for the plant.

John Cell phone rings and Stephanie, its works council. His voice is very serious. "John, we have a problem," she said. "Mark computer to tell me we had a data breach. A hacker broke into our systems and stole customer information and business data suppliers. What do we do?"

John tells Stephanie, "I'll meet Jennifer on the loan in 20 minutes. I will return to you. "John pulls over and shakes his head. What do I tell Jennifer? What do we do next

a data breach can harm a company, especially a small business in a number of ways :

• small and medium enterprises are the main targets for cybercriminals, suffering violated more often than large companies [1]
• 60% of small businesses fail. doors within six months of a data breach. [2]
• 20% of customers whose data is breached leave immediately. [3]
• It may take 7 to 11 months for a company to restore its reputation or brand value after a data breach. [4]

simply put, effectively manage your business relationships with the public and your customers following a data breach is of vital importance. The use of a public relations firm can help save the reputation of your company after a data breach:

• You provide the necessary resources to respond effectively and communicate with your customers and the public as a result of a data breach. This involves using all communication channels, including the press, social media and call centers.
• Allow you the owner of a company to publicly define the situation and how you plan to move forward rather than "being defined" by the media, rumors and angry comments.
• developing a comprehensive strategy to communicate with your customers in order to restore trust in your company and your brand.
• Identify key stakeholders you need to communicate with.

in short, using a PR service is essential to restore confidence in your company following a data breach. Do not use these services may increase the risk of falling profits, lost customers, and perhaps bankruptcy.

When shopping for coverage data breach, a business owner (such as John initially) would be used to purchase a given hedge violation offering that includes public relations services.

For more information on protecting your organization from a data breach, see our video above. Your company was the victim of a data breach? Please share your experience.

[1] Bender, Hannah. "5 Cyber ​​Threats Big for Small Businesses" http://www.propertycasualty360.com/2014/05/29/5-big-cyber-threats-for-small-businesses?ref=hp. May 29, 2014.

[2] Hillebrand, Melissa. "Infographic: Your company is at risk of a data breach?" Http://www.propertycasualty360.com/2014/06/18/infographic-is-your-business-at-risk-for-data-brea?ref=hp. June 18, 2014.

[3] Ibid.

[4] Ponemon Institute "Reputation impact of a data breach" http://www.experian.com/assets/data-breach /white-papers/reputation-study.pdf

In today's world, life moves pretty fast. Most of us do everything we can to follow the daily demands of work, children, home, and invoices that compete for our attention and divide our time. The more we take, the less time we have for ourselves and we tend to rush through our days with a sometimes random attempt to "get it all in."

So, what are the consequences? Some things do not get done and very important things never start. Sometimes these things are superfluous as painting the fence or weeding the garden. Other times, these things are much more important for our future happiness. Things like ... a home inventory?

We generally do not notice or do we still care about making a list of all our worldly goods when we do not have a motivating reason to do so. People are motivated by emotions triggered by an event and a disaster situation is a motivating event for almost everyone. Many times someone who has suffered the devastation of fire, natural disaster or other catastrophic events of life is not only deal with the emotional consequences of the event, they are also ill at inventory of what they lost when just yesterday, they took their possessions for granted. Filing an insurance claim without receipts, no document, no digital evidence, not a point of evidence that your property has never existed, can add a lot of stress to an already stressful situation. Now is the time that you wish you had planned ahead and took the time to put together a home inventory.

A home inventory helps to provide information to your insurance company needs to adjust your application, reducing the amount of "" required back and forth to prove the value of what you have lost. How to prove that you had a TV 70 "LCD with no TV and no receipt? The claims process takes time. Do you have the means to live elsewhere while you pay out of pocket to start the renovation or reconstruction your home? Take inventory of your assets on an annual basis can help speed up this process

a home inventory can be created in several ways :.

• Use software or one of the many websites available to keep a digital list of your possessions. KnowYourStuff.org of the Insurance Information Institute is a user friendly site that is free.
• Videotape contents of your home and give it a copy to your insurance agent that will keep it on file for you.
• Make a list of the contents of your home and its value, and provide a copy to your insurance agent. Some companies insurance offer printed forms, or you can complete forms to fill out online.

Whichever method you choose to use, the key is to do it! Watch our video above for tips on how to start with your home inventory. It takes time to create, but time and stress relieve your inventory after suffering a loss is priceless.

Do you have any advice or tips on stocks at home?

When friends or parents call you, please pick up the phone? Do you just let it go to voicemail, then hurry up and send them a text that says, "What's New" I am totally guilty of this, as I'm sure you are as well This is a habit. Gen Y'ers that we are known for!

a mom was so sick and tired of what she has created an application called Android Ignore No More for . get her children to return calls with this application, there are only two options -. call or text your parents back or call answering emergency call no friends, no texts to what you call your parents back!

for most of us Gen Y'ers, the phone function is the least important part of a phone. It has been replaced by text messages, Facebook messages or Snapchat.

Remember, it is also important to talk on a cell phone. This may be a strange concept. verbal correspondence is great way to communicate and has many advantages that SMS does not have. Here are some benefits of taking the phone instead of communicating through other methods:

• Less time - Talking on a cell phone takes less time than texting. If the person you are calling is available, you can take care of business right away. With SMS, you send a message and hope that you will receive a prompt response. This does not always happen
• multitasking - While talking on the phone, you can do many other things. You can load your dishwasher, fold your laundry, or paint your nails! When you encounter a texting conversation every two minutes, you must enter your phone to see if you received a reply
• Clarity -. It can be very difficult to distinguish the tone of a written message. This often leads to text messages being misinterpreted. I still think it is difficult to interpret words like "OK" or "good" when used in a text. Do they mean "OK" is not a big deal or did they mean "OK" in a snobby way? With phone calls, you are able to hear the voice of the other person, which reduces most, if not all, of this confusion
• Personable -. When you have really bad news or really good news to deliver it is important to pick up the phone instead of sending a text or email. Receiving bad news by text or email is just to add salt to a wound. It is refreshing to hear a voice reading cold words.

What is your preference? Talking on the phone or texting? What position did you pick up the phone instead of texting?

Watch our video to learn more about the uninsured (UM) and underinsured motorist (UIM) coverage.

Since virtually every state in the US requires a certain minimum level of insurance responsibility of driving a motor vehicle may be wondering why they would need to buy coverage of uninsured motorists.

Unfortunately, we all know that just because the law says we're supposed to do something, does not mean everyone will. According to the Insurance Research Council (IRC), an estimated 14 percent of drivers are uninsured nationwide, and in some states up to 26 percent of all drivers lacking auto insurance.

So what's uninsured motorist coverage? Uninsured drivers, or UM coverage provides insurance protection for bodily injury, and damage property in some states, caused by a driver who is not insured. This coverage allows you to collect from your own insurance company as if it provided liability coverage for the negligent driver and uninsured. It provides benefits for you and your family from injuries sustained in your own car covered in automobile you do not own, or as a pedestrian.

Thinking about chancing it? Maybe you'll be lucky enough not to get hit by an uninsured motorist? As I mentioned before, the coverage of uninsured motorists not only provides protection for you while you are driving a vehicle, but also when you are a pedestrian. To help drive home (excuse the pun) the importance of this coverage, think about this real example: a cyclist was traveling through an intersection when a van ran the red light. the head of this young man bounced off the window of the van, leaving him with multiple facial lacerations and busting almost all his teeth. The van drove away, and no one was able to track down the driver. The young man had to have multiple surgeries to his mouth and face. Fortunately for him, he made $ 250,000 uninsured motorist coverage that paid for most of his injuries.

It is also important underinsured motorist coverage, which provides insurance coverage for bodily injury and property in some states of damage sustained by you when a motorist has liability insurance. but not sufficient, negligently causes an accident. Consider this: if you were permanently injured by a driver in your state where the minimum law of fiscal responsibility requires limits of $ 15,000 per person / $ 30,000 per accident / $ 10,000 property damage (presented as 15 / 30/10 on your page policy statements), would it be sufficient to cover medical care for life? Of course not. That's why it's so important to buy the right amount of coverage for underinsured motorists.

Check your policy and contact your insurance agent about adequate amounts of coverage for uninsured motorist or underinsured to ensure that you are covered even when the other person is not

The information obtained from :. http://www.irmi.com/newsletters/hidden/personal-lines-tips/2014/03-why-you-need-uninsured--coverage.aspx motorists.

guarantees described here are in the most general terms and are subject to conditions and actual policy exclusions. In the language of the actual cover, conditions and exclusions, please refer to the policy or contact your independent agent.

Brett, chief financial officer of a small shop of the machine, was concerned about the financial losses that the company could incur a recent? cyber attack. The company's systems have been infected by a computer virus and was trying to resolve it.

Worse, the virus had caused several large, specialized machining tools business to fail, and it began to look like some of the machines have been permanently damaged. The machines should be replaced and many of the machines were imported from abroad, which meant they could not be replaced quickly. With the fourth quarter approach - the busiest time of the year - Brett was worried about the impact all this would have on sales and net income

Perhaps worst of all, Brett had shot down the suggestion that buying the company. cyber insurance coverage. He felt that the "big guys" needed the blanket and he was trying to save the company some money.

called Jim Brett, CEO, to relay the bad news on damaged machines. "It looks like business interruption request," said Jim. "Is our business interruption cover this loss of form because it was caused by a cyber attack? We do not have to cyber insurance coverage, are we doing? "Brett did not know what to say ....

An activity interrupt request can be very damaging to a company, leading to lost earnings and additional costs. Worse, a form standard business interruption may not be of much help if the cause of the loss is a cyber attack. in fact, a standard form of business interruption can pay a nominal amount (as little as 2500 $) if the cause of the loss is the interruption of IT operations. most forms of business interruption require "direct physical loss or damage" to trigger the coverage of operating losses. If a cyber event triggers your business interruption claim and you do not have a cyber insurance coverage, you may be left without coverage.

for these reasons, it is essential that your business cyber insurance coverage which includes transportation cover operating losses. Without it, your business is vulnerable to business income claims and losses that are triggered by a cyber attack. As Brett discovered the cyber insurance coverage is not only the "great". The truth is, small and medium enterprises are the most common targets of cyber attacks.

Tell your independent insurance agent about your risk of cyber attack and how you can protect your business with cyber insurance with coverage of operating losses.

With the hangover food Thanksgiving wear off, people everywhere are getting into Christmas spirit humming Christmas carols, shopping for the perfect gift for their loved ones, and decorating their homes. You stack your gifts under a real or artificial tree, here are some useful safety tips to ensure your stay is safe and exhilarating.

• When choosing a Christmas tree, make sure that any artificial tree is certified as flame retardant. Real trees should be fresh. dry needles on a real tree is a fire hazard so make sure the needles are not fragile. Needles should be soft and supple, with a green sheen to them.
• Make sure you place your tree at least three feet away from heat sources such as radiators, fireplaces, candles or lamps. If using a real tree, make sure you water the tree every day to keep the tree from drying out.
• When the tree lighting, make sure the light cords are not worn or frayed and fixing the bulb elements are in good condition, with no loose connections. If the lighting outside your home, make sure the lights you choose are intended for outdoor use.
• Never use lit candles to decorate the tree. Trees and fire do not mix.
• Always turn off your Christmas lights when leaving the house or going to bed for the night.

The cost of being careless with your Christmas tree is staggering. According to the National Fire Protection Association, American firefighters responded to an average of 230 Christmas tree fires between 07 and 2011. The result was an average of six deaths, 22 injuries, and $ 18.3 million in damages to the property per year. Be sure to decorate safely to ensure that your holiday is safe and happy!

For more holiday safety tips, see our video above or visit www.nfpa.org.

The holiday season officially ended, but I wish it was not. The holidays are over gifts and time off from work - they represent to be a little nicer and more thoughtful, and act towards others as you would have them do unto you. In this case, the fact of the "season" really have to end?

Customer service is especially crucial during the holidays. We have all had at least one, if not a dozen, poor experiences of customer service during the holiday rush. But what about the customer service that went beyond your expectations? Maybe even surprised you? In the spirit of the season, I choose to focus on the good experiences of customer service that I have had recently.

Experience during the Thanksgiving holiday frankly shocked me. My husband and I traveled out of the country to visit family and we had some trouble getting our credit card to work at one of our stops. I knew that I will have to call the credit card company and I'm absolutely dreading. These types of calls seem to never end in a reasonable time or without a lot of frustration. Surprisingly, I was waiting for a few short moments. The representative of customer service that answered my call was friendly, helpful and very knowledgeable. At the end of our conversation, he actually thanked me for being a loyal customer. What I feared would be an absolute disaster actually ended up being not only enjoyable, but a memorable experience!

The holidays are a great time for representatives of customer service to make lasting positive memories for their clients. This year I chose to remember the positive experiences that I am blessed with, but I'm also looking forward to many more throughout 2015! Here is another year of positive experiences. Cheers!

With all the damage to trees from recent storms, we saw a lot of online conversation about insurance and coverage or the lack of? coverage for damage to trees. One person wrote, "Did you know that insurance covers only to have trees removed if they hit your house?" (This is not always true -. This depends on the type of policy they have) Another person thought their insurance would pay to replace trees that have fallen down. (Homeowners policies do not usually pay to replace the trees that fell because of a windstorm.) Because of these misconceptions, we want to provide more information to our policyholders regarding damage trees and is covered against are not covered.

basic HO-3 and HO-5 policy

If you have this type of policy, coverage for debris removal from the tree (s) that have decreased due to a windstorm is only provided if the tree (s) damaged a covered structure (meaning the house, garage, shed, etc.) or if the tree blocks a driveway blocking access to local residence or a ramp or other block device designed to help a disabled person to enter or leave the house. The coverage limit of debris removal of the tree is $ 500 per tree, not more than $ 1,000 per claim, whatever the number of trees that have fallen. No coverage is provided to replace the tree (s) dropped.

This is true for all states except Virginia. In VA, we will pay the reasonable expenses incurred by the insured in the removal of fallen trees that cause damage to the covered property. The tree is covered property damage for there coverage for debris removal of trees. No coverage is provided to replace the tree (s) dropped.

Moreover Ten endorsement

If you have this endorsement on your policy, coverage for debris removal from the tree ( s) which fell due to a wind storm is expected regardless of whether or not the tree damages a covered structure or blocking a driveway or ramp. (If the tree falls in the yard and do not touch anything else or block anything, coverage for debris removal of trees would still be available.) The coverage limit of debris removal from the tree is $ 500 per tree, not more than $ 1,000 per claim, whatever the number of trees that have fallen. No coverage is provided to replace the tree (s) dropped.

This is true for all states except Virginia. VA, the coverage limit of debris removal of the tree is $ 1,000 per claim, whatever the number of trees that have fallen. (There is no limit per tree.) No cover is provided to replace the tree (s) dropped.

Politics Summit owners

With this policy, coverage for debris removal from the tree (s) that have decreased in because of a wind storm is expected regardless of whether or not the tree damages a covered structure or blocking a driveway or ramp. (If the tree falls in the yard and do not touch anything else or block anything, coverage for debris removal of trees would still be available to the insured.) Coverage Limit removal of tree debris is $ 1,000 per tree, not more than $ 2,500 per claim, whatever the number of trees that have fallen. No coverage is provided to replace the tree (s) dropped.

This is true for all states except Virginia. VA, the coverage limit of debris removal of the tree is $ 2,500 per claim, whatever the number of trees that have fallen. (There is no limit per tree.) No cover is provided to replace the tree (s) dropped.

Signature owners Policy

With this policy, coverage for debris removal from the tree (s) that have decreased in because of a wind storm is expected regardless of whether or not the tree damages a covered structure or blocking a driveway or ramp. (If the tree falls in the yard and do not touch anything else or block anything, coverage for debris removal of trees would still be available to the insured.) Coverage Limit removal of tree debris is $ 5,000 per claim, whatever the number of trees fell. (There is no limit per tree.) Coverage is provided to replace the tree (s) fell; limits available are $ 1,000 per tree, $ 5,000 per event and $ 10,000 per quarter from politics.

North Carolina HE-7 Policy

If you have this type of policy, coverage for debris removal from the tree (s) that have decreased due to a windstorm is only provided if the tree (s) damaged a covered structure (meaning the house, garage, shed, etc.) or if the blocks trees a driveway blocking access to local residential or blocks of a ramp or other device designed to help a disabled person to enter or leave the house. The coverage limit of debris removal of the tree is $ 1,000 per tree, not more than $ 2,000 per claim, whatever the number of trees that have fallen. No coverage is provided to replace the tree (s) dropped.

Another good thing about Plus Ten endorsement Central, Summit owners of the policy, the policy of signing owners, and HE-7 policy is that they provide coverage D - Loss cover use of power outages that are caused by a windstorm. This coverage begins 48 hours after local residence becomes uninhabitable and continues for more than 7 days. For example, people currently without electricity during this heat wave could go stay in a hotel until their power is restored. This coverage will pay for hotel and other additional living expenses, such as having to eat out for every meal

Regarding the franchise policy, it applies to both coverage D -. Loss of use and Debris Removal. For example, if you have suffered a covered loss of $ 10,000 resulting in damage to your home, loss of use due to power failure, and debris removal of trees, you will receive a payment claim for $ 9,500 ($ 10,000 minus the $ 500 deductible). The strategy deductible is applied once, as opposed to separately to each individual coverage (your house, loss of use, debris removal). Now if you have a loss of $ 400 involving debris removal of trees, you would not receive a payment claim, the total amount of the loss is less than the deductible of the policy. The total amount of your loss should be more than your policy deductible to a payment claim to do.

If you're not sure the policy you have, or have additional coverage issues, contact your agent or Central asking your question below ... and stay safe out there !

(Thanks to April Overman our underwriting service to provide this information useful!)

policy coverages described above are the most general terms and are subject to exclusions and real political conditions. For specific coverage details and exclusions of the policy, refer to the policy itself or contact a central agent.

Snowstorms continue to punish the Northeast, leaving many in the region wondering what that they have done to make Mother Nature so angry. As snow continues to accumulate and freeze, many dealing with problems caused by excessive snow, one of those questions being ice dams on their roofs.

If you have long thick icicles hanging from your roof then there is a good chance you have an ice dam. Ice dams occur roof edge level, where a block of ice forms. As the snow on the roof melts from the heat escape your home or rising temperatures, melting snow back behind the dam and made its way under your shingles and into your home. Damage caused by an ice dam can be expanded as water leaks and ruin insulation, walls, ceilings, and more.

If you have an ice dam, you should consider having a professional remove from your roof. This will help you stop the flow of water in your house by breaking the ice that prevents proper flow of melting ice and snow. You must also have snow shoveled off your roof to help prevent new ice dams from forming as the snow continues to melt and re-freeze. If you hire someone to shovel your roof and remove the ice dams, make sure they are licensed and insured. It is very easy to damage a roof while removing snow and ice dams and you do not want to be stuck paying for a new roof this summer because it was damaged by a "professional" during the winter.

Hiring a roofing company or contractor to remove snow and ice from your roof dams can be a little expensive but it is cheaper, safer, and less headaches to pay for removing snow and ice from your roof rather than deal with the extent of damage that an ice dam can cause.

Have you any other suggestions for Prevent ice dams or other damage caused by ice and snow?

Anyone who works in the customer service industry knows how difficult this job can be. Not every customer is happy-go-lucky, and maintenance difficult customers can be taxing. It is the job of the person customer service to fight through it and get to the heart of the issue for the customer. More often than not, if you take the time to identify the customer's problem, you can broadcast this situation and let the customer a sense of satisfaction, even if there is no satisfactory resolution to their particular issue .

Here are some tips for the next time you are faced with a difficult client.

• Listen. I know this seems obvious, but so many customer service people try to anticipate the customer's problem or are already formulating a response before the customer is done talking. This leads to the client's hearing, but not listening to their real concerns. Take time to listen to the customer before making a response. Sometimes the client just needs to evacuate and allow them to do so can lead to a resolution of its own.
• Avoid "you". Avoid words like "you" can be very useful in broadcast situations. Using words like I, we, you, your, etc. during consideration of the problem may have the unintended effect of making the customer feel like it is their against you. For example, if a customer calls to complain about a problem of payment you might say, "The last bill was not paid," instead of saying "You do not pay your last bill." Avoid the word "you" in this situation does not place blame or his accuser to the customer and can help smooth a tense conversation.
• Keep your emotions. The most difficult part to handle a disgruntled customer can keep your composure, but it is the most important part of finding a successful solution. If you let your emotions or voice level match the customer upset then this will only serve to worsen the situation. If a customer gets emotional and starts to raise his voice, the best option is to talk calmly and lower your voice. It is very difficult for someone to continue to cry while the other party speaks softly. More often than not, the client match your voice level after a few laps and you can begin to solve their problem in a way that is mutually beneficial.

The above tips are just a few things you can do to improve these difficult interactions and keep your customer happy. Do you have any tips that work for you? If so, please share!

One of my favorite times of year is early spring. Everything, and I mean everything, appears rejuvenated! The sun shows her beautiful face earlier each morning, and it remains to be even longer before we get into the bed Birds and geese are up and at 'em early, to catch those and honking their way through the clear blue sky.

Customer service also comes to life during this period that the stores stock their shelves with products lighter and brighter that consumers like to use during the warmer months, outdoorsy. Companies out of the winter doldrums by creating catchy advertisements to attract customers into their stores. warmer months can also bring new ideas and inventions of the next great product or service. Everyone seems to join in the buzz of excitement for something new and different.

My favorite aspect of spring is not all of the news, but more specifically the renewal of what was, and have it again. Things like my perennials that bloom, the joyful cries of children playing ball in the park near my home, and the return of "Marchocolate" to Kewpee, my beloved hometown burger joint.

I also like the rejuvenation personal services ... once to make these connections with people you might not talk on a regular basis, but which are very important and you cherish the same thing. In my case, these people come to understand the pest control technicians who come each spring spraying for pesky bees, and my insurance agent who checked with me to make sure I have all my blankets up and making day for my spring and summer "fun" items, like my jet ski and golf!

Will Santa drop a new boat or bike you have not quite got to the insurance yet? And this new pool that you consider to can carry additional safety precautions depending on your policy. Be sure to check the blog "Make sure that the summer is a bummer - Insure Your Fun" Read about other fun summer items that may need additional coverage

Spring is a time of newness. But also a time of renewal. What types of services are waiting for you impatiently this spring? I would like to hear from you in the comments section below!

If you're like me, you've pretty much grown up using Microsoft Office tools in your work and personal life. Have you ever really considered something else? The most common desktop tools seem to Word, Excel and PowerPoint, which many people use only if their names have become synonymous to what they offer. For example, how many times did you see that thing that you blow your nose with a tissue instead of calling a Kleenex?

You may not realize it but there are some very good alternatives out there, and Google provides some of the greatest competition with their tools online such as Docs (Word), spreadsheet (Excel) and presentation (PowerPoint). Now you may be wondering, "Why would I want to spend my beloved Microsoft" Defenders Google would probably give you a number of reasons, but I'll give you one They are free Google tools,?.! including all updates are free for home users while Microsoft requires you to purchase licenses for their products. These prices vary depending on whether you buy the entire suite or individual products, but be prepared to spend more than $ 150 if you want all

characteristics of each comparator is useless. Microsoft will win hands down simply because it was created as a professional suite designed to perform many functions advances. Think of the Google equivalents as lighter versions, designed to meet the basic functions necessary for creating documents, spreadsheets and presentations. If you need these advanced features, stick with Microsoft.

As a mobile user, you can start to see an advantage if you are working from a device (tablet or phone) that runs Android instead of Windows. With Google tools, you can create your documents without using Windows or Microsoft Office, and the ability to share documents with others is integrated directly into the tools themselves via Google Drive. In truth, Google tools were invented especially with this thought in mind; You can create documents on the go as opposed to sitting at your PC and then upload them to the Web.

If you decide that you want to replace your Microsoft Office tools completely, or simply complete your mobile world, it will involve some research based on your individual needs. Seeing that they are available without charge, it may be useful to give Google a product testing. It is as simple as signing up for a Google Account, which is also free

I would be very interested in what you discover - I'm not made me jump - then let me know how it goes

The times are changing and with it the composition of our population. Today's children are tomorrow's adults. And, as it seems, children of yesterday do not think fit the way their parents did at their age. At one point, owning a home was a standard feature of the American dream, but we millennials are increasingly choosing an urban lifestyle in a suburb, preferring an activity of the nightlife, culture, glamor and better employment opportunities. In other words, millennials are trying to preserve the college experience.

One consequence of this change in attitude is that we are much more likely than our parents to rent an apartment or buying a condo that buying a new home. According to an online survey of young adults, 60 percent have chosen to rent rather than own their own home. And it turns out that six out of ten of these young adults tenants do not carry the insurance policy of a tenant.

I am tenant and do not carry the insurance policy of a tenant. It was not a difficult decision when I read on the cover provided by these policies, which seemed both affordable and relevant. Obviously every situation is different, but here are the five things that sealed the deal insurance tenant for that particular millennium:

1. tenant policies cover property not only at home, but as far of the House. For globetrotters children of the late 80s and 0s that will be helpful.
2. Renters policies cover damage to electronics and we millennials like our electronics.
3. policies cover stolen property tenants, which may be of greater concern for urban youth, but it is always important to anyone who rents!
4. renters policy may cover losses incurred by identity theft and help repair the damage. With identity theft in the news, it is much easier for a young person like me to imagine the possibility of my identity stolen than my rental unit of burn.
5. renters policies can cover equipment breakdown. Few people can relate to some of the causes of loss listed more dramatic on the renter's insurance policies, but I think everyone can relate to their big TV screen suddenly does not work because of a mechanical failure.

If you have read my reasons for buying renter's insurance, but are still not convinced, ask yourself this simple question: "How much would it cost to replace EVERYTHING I possess? "Compare this to an affordable price (seriously, affordable !) political and tenant see how you feel about the renter's insurance so. you do not know what next? Contact your local independent agent to talk about how you can get a tenant policy.

"I have never let my schooling interfere with my education." These words was uttered by Mark Twain. "School" and "education" has never been synonymous, but sometimes people find it difficult to distinguish the two, particularly with regard to higher education. A college degree is often considered indispensable and impossible to replace.

Earning a college degree definitely has its advantages, but obtaining the Almighty degree caused student loan debt to become a crushing burden for millennials. From 2013, the average college graduate have completed their academic career with a total of $ 30,000 in student loans. Total student loan debt in the US has now surpassed the total credit card debt. At the same time, the average starting salaries of college graduates is declining as the number of graduates in total is increasing, thanks to government programs aimed at making the university more accessible to all of society. It is a vicious circle, a bubble economy that many analysts predict will end in the same way as the disastrous housing bubble did in 08.

Fortunately, there are a growing number of alternatives to college education that are more affordable and, in some cases, open similar opportunities or better. For example, while millions of people are now without work, there are thousands of companies who are struggling to fill positions that require knowledge of a specific profession, such as machining. The two young people entering the workforce and experienced adults begin to hold on to it, thanks in part to people like Mike Rowe of "Dirty Jobs" on the Discovery Channel.

However, the bricks and mortar colleges may soon become obsolete, even for occupations that require a college education, such as technology. A company called Udacity, co-founded by Google Fellow and developer of the Google car without driver, Sebastian Thrun, offers the equivalent of a four-year degree in computer science, without all the fluff liberal arts. It is only available online for a fraction of the cost of a traditional education four-year college. Students pursuing this Udacity called "Nanodegrees" which are small, very representative curricula, specific marketable skills in the field of technologies targeted information. Udacity courses are developed by companies like Google, Facebook and AT & T so that it is not an accredited university, the name of Udacity carries some weight in the industry.

If you are one of many millennials always trying to find your way on the labor market, step back and ask some basic questions:

• Qu 'do you like to do
• what am I really good at
• what kinds? skills are the most sought?
• What is the most affordable way to get these skills?

depending on your answers, you may find that you can get the required training without all the expensive schooling! What other advice do you have for students looking for work? Please let me know in the comments below!

workshops and meetings Throughout my career as a representative of customer service, I ' I attended where I gave several tips and tools on the provision of services to exceptional customer service. A strategy that has really stuck with me over the years, especially when I'm facing a difficult situation is the H.E.A.T. . Model

H out the ear - It's not always easy to do, but in the end the customer will feel better. If they can just get on their chest, they probably will be much more open to your solutions. We've all been; Sometimes a person just needs to vent. Let them talk, and just listen

E mpathize -. Feel what your customer is feeling by putting yourself in their shoes. Name their feelings: "I understand that you are frustrated, and I can see why. . I would be too "By showing your customers you understand, you can begin to defuse the situation

A pologize -. This is important, especially if you did not personally make the error or create the situation that made the angry customer. The last thing the customer wants to hear is that you do not have it. Maybe "you" do not have it, but your company does - and you are a team. A simple "I'm sorry" can go a long way. Stand united and take the heat for your team. Hopefully your team will do the same for you when the tables are turned. After all, we all do errors

T ake Action -..? Make sure you have an action plan ready to follow your excuses How will you solve the problem what the customer can wait for the next this will probably sound something like, "I'm sorry that this happens is what I do for you now ....".

As representatives of customer service, we often find ourselves in sticky situations. Keeping our simple strategy we can navigate through these tight places with a little more ease. So next time you find yourself facing an angry person, just remember to take HEAT ! Do you have effective tips to improve service skills in customer? I'd love to hear from you below!

Have you ever had a colleague that led you absolutely crazy? What is he or she who wants you to scream? Now, did you actually do anything about it? There are chances that you be allowed your anger to burst, or simply ignored and resentment build allowed. But there is actually a positive way to meet these inevitable situations at work

Barbara Pachter, author of The power of positive confrontation: The skills you need to know to manage conflict at work, at home and in life said that many labor disputes are not handled properly. "Most people are just never learned how to behave politely and powerfully in conflict situations" However, it is not the end of the world Pachter reminds us.. "Most people are not idiots who are there for us to "She adds:..." Many people become preoccupied and did not realize how their behavior affects others They just need to be told in a polite and powerful way "

Pachter offers six steps to help you face other honorably and effectively. So next time you find yourself in an uncomfortable situation, do not express yourself with an explosion of anger, or to ignore the situation because you do not know what to say. Instead, try positive confrontation:

1. Select your conflict . Easier said than done, right? You can not all win, so pick the ones that affect you really. If this did not really matter, it may be best to just let go.
2. Give the person "The Jerk Test". We are all guilty of being quick to make negative assumptions about others, but often we do not know what motivates the behavior of the other person. Give that person "the reflex test" and ask some questions. Does the person really means evil? Is it the person or the policy? What is the culture of the other person? You may find -being that the person is not a jerk after all. However, if you still choose to face them, you might be less likely to explode.
3. Choose the right time and place . Compete against other privately and when you are calm. be sure to choose a time that is good for the other person to talk and be sure that you give yourself enough time to express your thoughts at the bottom. a another good tip is to use the method HALT - avoid confrontation if you are H get angry, A ngry L onely, or T IRED.
4. a question both . Limit the discussion to a question in order to avoid confusion. This allows you to be very clear with what you want to convey.
5. Prepare and practice . Organize your thoughts and practice what you mean. You'll be less likely to lose your temper or back to the conversation. Your text should be specific, direct, polite, and non-adversarial.
6. Watch your nonverbal body signals . Have you ever heard you say, "But I do not mean it that way" Chances are, your words say one thing but your body language or tone of voice sent a different message According to Dr. Albert Mehrabian. , author of silent messages , seven percent of all messages transmitted through words, 38 percent thanks to some vocal elements, and 55 percent by nonverbal elements. So remember to smile !

Try to implement these six steps the next time you find yourself in a tight situation and see if you can solve the problem calmly. Remember, develop the necessary skills to manage conflicts of powerful polite manner will likely take time and practice -. it will not be overnight If you have other ideas or tips on how to positively manage confrontation in the workplace let please them below in the comments!

Did you know most people are injured in falls from ladders as any other elevated surface? This includes roofs, scaffolding, balconies, and even stairs. We take ladders for granted because they are so easy to use. If you set the scale correctly and know how to work safely when you are on a ladder, you can be pretty confident that it will not let you down. So why do people fall from ladders?

Most falls occur because people either select the wrong type of scale for their job, or they created the scale inappropriately and it moves or slips unexpectedly. (Come on, if you have already done work around the house that you know this has probably happened to you) People also fall when they are not working safely on the scale: their foot slips, they lose their balance, they go too far, or something knocks the ladder over. Safety and Health Administration (OSHA) offers some tips for using portable ladders so you can safely do the job, if you work at home or at work.

Setting up your scale:

• Move the ladder close to your work. Get help if it is too much to handle alone.
• Make sure there are no electrical son above.
• Set up the scale on a flat surface or fix it so it can not be moved.
• Lock the spreaders on a stool. Attach the locking assembly on extension ladders.
• Use cones or other barriers to protect the base of the ladder if the vehicles or pedestrians could hit.

How do safely on your ladder :.

• Wear shoes that have slip-resistant soles and make sure they are free of dirt, oil or other slippery thing
• Climb face the scale. Center of your body between the rails and keep your hips square to the bars. Hold the side rails with both hands; you have a better chance of avoiding a fall if a break ranks or you miss a step.
• Hold the ladder with one hand and work with the other hand whenever possible.
• Attach light, compact tools or materials on the scale or to yourself
• Lift and lower heavy loads difficult with a hand line or hoist

best practices when using your scale ..

• the top step of a stepladder should never be used as a step.
• Inspect ladders periodically for defects and after any event that may damage them. Do not use ladders that are the missing steps, rungs, cleats, or have broken side rails or other faulty parts.
• Do not carry objects that may cause you or scale off balance.
• not load ladders beyond the duty rating of the manufacturer.
• If you use a ladder on a slippery surface, make sure the ladder is equipped with non-slip soles.
• scales should not be moved, moved or extended when they are busy
• extension ladders should be placed so that the working length of the ladder is four times the distance horizontal base of the ladder to the structure - 4: 1 ratio ..

either at home or at work, take a few minutes to make sure your ladder is stable and secure to use before boarding. After all, your project is not complete if you are lying on the couch recovering from a fall! For more safety tips on your project at home on weekends, read our blog Do not Let Weekend Warriors Become the injured weekend.

Posted by John Kidd

As I enter my senior year of college, I think back to all the wonderful possibilities that I had the chance to experience: college athletics, clubs and organizations, as well as lifelong friends I made at during my first three years of college. However, I also get to think about what my future will result in the end of my studies. Where will I work? Where will I live? Do I need a new car? How will I pay my college debt? And that insurance - what types do I need? How all this cost?

Suddenly, my mind begins to calculate all expenses incurred, and even though I am only 21, I can feel emerging gray hair of my head. But I get to thinking, "I'm sure I'm not alone in this situation." Well, I hope I can answer at least one question above!

There are many different types of insurance you may need depending on the type of situation you are when you are past four types of insurance, you should be familiar with are:.

• homeowners insurance (if you own your house) - protects the insured (you) home with your personal assets (your belongings), and other structures such as a garage . detached or remission Alternatively, if you do not buy your home, you still have an option:
• Renters Insurance (if you rent your house) - protects all your stuff against fire , theft, or some types of natural disasters such as lightning or tornadoes
• Auto Insurance - .. cover liability (legal substance), medical payments, and uninsured motorists (someone who does not carry insurance at all)
• Umbrella - additional coverage that protects you from dangers such as slander and unlawful eviction and coverage of additional responsibility. (Additional liability coverage means that if you cause a car accident and you are sued for your car covers police, a comprehensive policy will help cover the difference).

There are many advantages to the insurance policies mentioned above: peace of mind, protect your assets and income protection - to name a few . The good news is the insurance costs much less than you usually think. Even more good news is that there is someone to guide you through the process of determining what you need: an independent insurance agent. Reach out to an agent to discuss the details of these policies and ask questions about the types of coverage each offer.

I hope I have helped you realize that there are many "actual" expenditures, and insurance should be one of them. Have a plan for when you graduate and do not forget to save some money too. You know, just in case you get hit by a bus and can not go to work and use this new degree brand you've worked so hard. I know I am very excited and delighted to what the future holds for me! I hope you are too!

VOIP (Voice Over Internet Protocol) came in 1995. I remember using soon after. The app I used would connect randomly with strangers around the world. Although the quality was terrible since I've used it on a dial-up connection, it was like a modern amateur radio. The conversations were short and were not much, but I was talking to people on the other side of the world for free!

VOIP has come a long way in the last 20 years. Today, many people use applications such as Skype or Facetime to communicate using VoIP, but it is not related to only applications more. VOIP can be used instead of a fixed phone, while making use of a standard telephone. Companies have begun to adopt VOIP as it can be a less expensive option for long distance calls and offers many more features than standard telephone lines.

Many people these days are even cancel their landline service and stick with only a cell phone. If you have been contemplating this decision, consider some of the VOIP functionality accounts offer:

(all suppliers not offer all these features and some extra cost suppliers for some features.)

1. telemarketer blocking - Today, we do not call lists, but it seems that we still get calls constantly telemarketer. Many VoIP providers offer the blocking telemarketer you can blacklist these calls
2. The multiple phone numbers -. Do you have an old friend or family member who has no cell phone and long distance to call you? You can add a virtual phone number to your account that is local to them so they can call you for free
3. Call Forwarding -. You can transfer your home phone number on your cell phone. You can also ring your home first and if there is no response, it will try your cell phone before going to voicemail
4. Simultaneous Ring - . Instead of simply transfer your phone number to your cell phone, you can have the ring at the same time
5. Keep your existing number -. Many issues can be brought to the VOIP provider so you might be able to keep the landline phone number you already have
6. voicemail management -. . you can view voice mail messages online, have them e-mailed to you, or have a notification sent through a text message
7. distinctive ring -. Like a cell phone, you can have your home phone VOIP enabled to use different ringtones for different people
8. Caller ID - With a compatible phone VOIP, you can see the number that called you
9. call logs -. VOIP providers keep records of all calls, much like your cell phone. Normally you can connect to a website and view your call records
10. Manage online features - .. Many features can be controlled by logging on the website suppliers

VOIP is not without its drawbacks. For example, if you lose power or Internet service, you also lose your telephone service. And VOIP phone numbers are associated with an IP address instead of a real location that makes it difficult for 911 operators to locate the caller. Yet many people find that the rich set of features make it worthwhile to replace the fixed phone with a VOIP account. Have you made the switch? If so, please share your experience in the comments below.

I recently received a letter from a medical group indicating that my personal data may have been stolen as a result of an attack hacking. I had been to this doctor once in the last five years, but nonetheless, my information had been acquired by a person who was not authorized to possess. Admittedly, I'm not happy about it, but what could I have done differently? More importantly, what could the medical office done differently?

I was asked to speak to the association chapter of local auditors on cyber crime. The purpose of my presentation was how a company could be more protected in case of a cyber attack. The news is full of stories about companies being hacked; Sony to target the Government of the United States, even the most sophisticated systems are regularly compromised.

An astonishing that I discovered in my research was that most hacking events involved emails. Recipients often click on a link that can open the door for a thief to take your data. This results not only in loss of data, but infection by the system from a data corruption or virus. ! Yikes

As a business owner, there are steps you can take to help protect data that you expected (and sometimes necessary) to protect

• Be proactive! Suppose you are a target for attack. Check your internal procedures for maintaining and data protection, and upgrade your equipment and virus scanning software.
• Use passwords that include complex chains and expiration periods. Keep thieves guess!
• Having a data backup plan and a disaster recovery plan in place.
• Train your employees on policies and internal expectations for access and manipulation of data. They need to know your expectations and guidelines for the management of this valuable business assets
• Monitor your internal processes -.? Your staff according to your established guidelines
• use or system security personnel whenever possible to ensure the experts help you protect your data

All business is mainly in the data industry, regardless of the type of business you are :. a shoe store, a gas station, or medical office. Failing to protect this asset can place your business, your customers and your reputation in grave danger.

The more vigilant you are about protecting your data, your business less of a target and become customers. How do you protect your business against cybercrime? Tell me your story below!

Now that Thanksgiving is over and autumn is coming to an end, the fun winter holidays are upon us! If you plan to be a holiday host, make sure that your guests have a good time and stay safe, both in the party and on the way back. Keep these tips in mind for your upcoming holiday season to help prevent liability risks that accompany most of the festivities:

• Beware of Christmas decorations: If there are children in the game, try to keep small fragile items and other choking up so they are out of reach . Move decorative candles away from flammable objects in case they are accidentally struck and knocked down by a guest
• Monitor the eggnog bowl :. People often tend to let go during the holiday season can lead to over-drinking. Try to keep a variety of food options and soft drinks available to help limit alcohol consumption of the guests. Also, monitor your own alcohol to make sure you are in the right frame of mind to protect your guests from driving while intoxicated. As the party winds down, offer coffee, tea, water or soda instead of serving alcohol
• List of ingredients in holiday treats :. A big aspect of Christmas is plenty of food, but many treats contain ingredients that people can not eat. Ask in advance if all guests have food allergies, and be sure to mark treats with ingredients so customers can monitor what they eat
• Prepare for winter . Depending on the weather, the roads are covered with ice, sleet and snow. Try to keep all aisles and entrances clear of these dangers. Spread sand and salt to melt the ice and shovel the snow and sleet to leave a safe path. Tell customers slippery conditions in advance so they have time to prepare and take solid boots
• Animals and property :. If you want to leave your pet mingle with guests, be sure to monitor their behavior. Pets can become overwhelmed if there is an abundance of people, and a playful nip could turn into a serious bite. If things start to degenerate, keep your pet closed in a separate room until the party dies again. Also, if your house has guns or swimming pools, make sure they are locked and secured. Always be careful of your belongings when you have guests at home; accidents happen and sometimes they can be very serious.

Although the average policy owners provides liability coverage, personal umbrella policy provides coverage above limits and beyond the limits of owners. If disaster strikes and you are responsible for an accident caused by a holiday hazard, personal umbrella policy can extend your liability coverage up to $ 10 million (according to the set limits). If you are hosting a party in a place other than your home, please consult your independent agent to discuss additional hedging considerations.

The holidays are a time of celebration and fun, so do not let a danger ruin the party. Follow these tips to keep your guests safe and fun party. If you're not sure what you could be held liable, see the liability laws of your state. Although the holidays come to an end, a personal umbrella policy is an excellent product for an extended liability coverage throughout the year!

The benefits described here are in the most general terms, and subject to the conditions and the actual policy exclusions. For the wording of the cover, conditions and exclusions, please contact your policy or agent.

"What are you doing?" The famous Tommy exclaims when Richard opened the car door and he falls to the ground. If you've never seen the movie Tommy Boy , moments before the line is delivered, Tommy accidentally spills the car while the door is wide open. The door struck a pole and rotates backward, ultimately breaking the door off its hinges. He quickly put back into place before Richard returns to the car, hoping it will not be blamed for the broken door. Now imagine the same thing happening in your garage while you're late for work one day when you have a million things to do.

As the door does not fall my car completely, the film failed to present three things: the most horrible noise imaginable, emotional collapse following quickly and, above all, that distracted driving is completely avoidable! When people think of distracted driving, they usually think of excess speed on the highway while sending. Well, I can tell you that distracted driving encompasses a multitude of scenarios behind the wheel: eating, talking, singing along with the radio, the fight against a drowsy spell, and the invisible monster we fight everyday - stress. The number of things that I had in my mind this morning I was completely distracted from simple task, which was to learn to work safely.

I was extremely lucky the only damage was to my car, and perhaps a little to the garage wall. You see, I'm actually out of my car when he started backing the garage. I sat in the driver's seat, ready to go, but as I pulled the door closed, he was caught on an open case and sent the Gatorade bottles tumbling. Naturally, my first instinct was to pick up the bottles I have not crushed, so I got out and started to reach for bottles under my car. Apparently I had started my car and put it on, but my mind was so far, I had not even realized! The open door of the car took a support beam on the garage wall; the sound of my door bending backwards is what finally got my attention. I then realized that my car retreated to the garage ... without me in it. I'm stuck between the moving car and the walls of the garage! I react quickly enough to get my car stopped, but I'm very lucky I did not shoot under the tires or crushed between the wall and the car. I would have been very seriously injured ... or worse. I left with a bump on my forehead and some bruises on my leg and some important lessons.

The next time you drive, pause for a moment and take a deep breath before you put your car running. This second or two may just help you stay safe - and may save you thousands of dollars! The other really important lesson I learned? I would have had an independent agent to call, someone who could have helped me in the process of filing a claim, the establishment of an inspection and planning body work. It was a little overwhelming and have the help of an expert would have done that horrible day a little easier to manage.

So my advice? Stop. Breathe. And drive safely!

He is mid-January and the brutal cold of winter is finally here. If you're like me, you do your best to not let your New Year's resolutions disappear.

Like many others, I set a resolution for my personal life: to be healthier this year. I also made my professional resolution to raise the bar in customer service experiences. In both trips, I try my best to follow a few basic tips that I can actually stick to my resolutions and be successful.

"Do it with passion or not at all." This has always been one of my favorite quotes, whether in my personal journey of fitness or in my professional world. Have you ever had an experience where you knew your service provider was passionate about his work? Maybe you know a veterinarian who loves animals or nurse who really like to help people. You can see the pride they take in their work and experience with them leaves you feeling confident in the work or service they provide. They have a way of making you feel special - that would not be a part of that

Set measurable goals. Make sure you can calculate your success. It is important to set small goals to keep yourself energized to reaching your larger goal. For this, the objectives can be achieved which are recognizable so you know when you have achieved them. For me it would take the extra step, both literally on the treadmill or work by recognizing a situation where I can do more, and I follow through and do it.

Celebrate the small victories. When you celebrate the small victories, it gives you satisfaction and confidence to keep moving forward. Maybe you have a goal to lose weight; once you lose a specified amount, reward yourself. Mastered a work task? Fantastic, celebrate your success with a friend!

I hope my tips to help you succeed in achieving your own goals. What is the resolution of your recent New Year? Do you have tips and tricks you use to keep up with your resolutions? Please share them in the comments below!

Often your work and personal life can collide, causing you to be submerged or even stressed. As a student full college time with a part-time job, I can quickly become overwhelmed with my obligations daily: balance my class schedule, watch video lectures, studying and writing tests with short deadlines - all while going to work.

However, I learned to manage my time, so I'm not so overwhelmed at the end of the day. Here are some tips to help you better manage your time and reduce unnecessary stress in your life.

• Start your day with a plan and look to tomorrow so you can be ready
• Write your calendar so that you know what you expect to accomplish
• Keep your e-mails, documents, and organized calendar
• do not procrastinate ..; start working on tasks and projects as soon as possible
• Limit your duties and obligations. it is okay to say "no" sometimes.
• If you can not concentrate, cut the noise. Working in quiet places, it's easier to concentrate.
• It's okay to take a break and rest!

Technology can help you do some of your daily stress more manageable. For example, you should try to keep your inbox empty; prioritize and sort your emails into different folders. Remove all unnecessary emails to avoid clutter. Technology can also help you plan and plan your day. For example, if you have a calendar on your computer, you can set reminders that alert you to upcoming events such as soccer practice Taco Tuesday or Thursday. Smartphones offer downloadable applications with alarms that you can set special reminders as well.

This post could last forever if I listed all the ways technology can help simplify your life. Remember these tips if you start to feel overwhelmed. Do not forget to use whatever technology you have at hand and take control of stress in your life. Do you have other tips to maintain a work-life balance healthy? I'd love to try them, please leave a comment below!

What equipment do you use in your business? What would you do if a piece of this equipment break? For example, how could you use your restaurant if your ovens, stoves or fryers were not working properly? Or the machine in your factory that generates a large amount of your finished products goes down? And we will not even think about what would happen if your frozen foods refrigerated coolers in your grocery store to stop working in the hottest part of the summer!

property coverage forms generally exclude losses caused by mechanical failures, electrical currents artificially generated, and the explosion of steam boilers and piping steam. This is the case of equipment breakdown coverage measurements in and fills this gap. Equipment covered in a policy Equipment Breakdown is normally all that generates, transmits or uses of energy, including electronic communications and data processing equipment. All that normally operates under vacuum or pressure is also covered. Think about your computers and all other electronic devices you have. Even the simplest of businesses use a variety of these things.

You may think you do not need equipment breakdown coverage if you have newer equipment with guarantees outstanding, but when you only rely on the guarantee that you create more working for yourself by having to keep track of documentation of the purchase and whether the guarantees are still valid. When running a business, it is usually not a priority. Another problem with relying on guarantees is most of them limit what they will actually cover. In general, a guarantee covers only the cost of the replacement part or unit. usually covered items include the cost of labor, the additional costs for a temporary solution, or business income loss from having to close your business.

Another advantage to achieving Ventilation Equipment coverage involves the inspection process. All states require that boilers be inspected to ensure safe operation. If the State of the inspection, there is usually a charge for this. Most companies that provide equipment breakdown coverage will perform the required inspection without paying a service charge. Filing fees may still be required by the state.

Ultimately, you have to wonder if the burden of the premium for the coverage is worth the satisfaction of knowing that your business will suffer a financial loss if there is an interruption. If your agent does not already discussed the equipment breakdown coverage with you, check with them on what coverage you may already have, or what is available to you with your current operator. all companies offer an equipment breakdown coverage; you might have to buy coverage from a carrier other than the one that provides your main property policy. It might also be added as another risk (because of loss) to your current policy. You might find it worth the premium to have peace of mind.

The benefits described here are in the most general terms and are subject to conditions and actual policy exclusions. For the wording of the cover, conditions and exclusions, please refer to the policy or contact your agent Central.

Have you ever been involved in a car accident that required repairs to your car? Once you submit your application and your vehicle is in the shop, you can not see until it is returned to you, often several days later. Have you ever wondered what happens then is that the store? And if they find additional damage? This is what usually happens in the auto repair process.

Once your vehicle is brought into the shop, it is moved into the line of vehicles to repair. Depending on the store that you use, it can be repaired by the same technician through the repair process. Other stores may carry out repairs using a station system with different technicians working on your car. In general, most shops use the same early repair process to the end.

First, the vehicle is dismantled to check additional damages. No matter who wrote the damage estimate, the technician does not have X-ray vision and can not see possible damage hidden under the panels. If additional damages are found, they ask permission to order additional parts as they begin repairing what they can from the initial estimate. This ensures not waste time during the repair process.

After the vehicle was dismantled and the additional damage is found, they start with the main parts repairs. They will remove the parts that can be repaired rather than replaced, as well as cut and place new parts back on the vehicle.

Then, the vehicle is picked up at the paint shop for painting and retouching finishing touch. Depending on the type of vehicle you have, or the damage, that party may take some time. painting often depends on the weather; if it is too hot or too cold, it can affect the finished product. Very often, the parts that are adjacent to the area that has been repaired or replaced must be painted to match the remaining color of the vehicle. This is called mixing.

Finally, once the painting is finished, the vehicle is almost ready to go. Typically, a repair shop will spend a day at the finish and clean the vehicle, which is also when any final reassembly is performed. It's when you can expect a call from the store to collect your vehicle.

Although I never want you to experience vehicle repairs due to an accident, we hope you have a better understanding of the way the repair process. Remember, reach out to your independent agent representing and claims so they can help you in the process.

Have you grew up watching Back to the Future II, dreaming of the day fresh futuristic technology would be a reality? Part of this dream became reality last year with the introduction of hoverboards. As with most of the movie transitions to reality, the reality is always a little different and not as glamorous as the movie, and hoverboards are no exception to this rule.

first, and very disappointing on my return to self-loving future, modern hoverboards does not fly. More troublesome are the wildfires that they became known for last year. Hoverboards lacked regulation early in their popularity as demand has increased, manufacturers cut corners to increase outsourced production and manufacturing overseas to track sales [1]. Unfortunately, due to the lack of regulation, many problems arose. Like the popular warning "You shoot your eye out!" For a child with a BB gun, a less catchy "Your hoverboard will catch fire!" Is an equally important warning. Even with all the volatility of these elements enter the market, I bet you know someone who has received in the past year. Fortunately, the regulations have since been put in place to help curb the spontaneous fires.

Given their shaky start, what do we do these self-balancing scooters and how are they related to insurance? A license is not needed to operate one nor the hoverboard will require a license plate for "drive". A hoverboard is considered a motor vehicle as defined by the standard owners policy. Because most of these policies limit coverage for these types of vehicles, it means t here is no liability or medical payments coverage, although there may be an exception to the location provided . It depends on whether a hoverboard is designed for use off public roads (ie sidewalks, drive-ways, etc.). Since a hoverboard can be used on public roads, coverage is questionable. And most personal auto insurance policies do not provide coverage for hoverboards be

I think fans and critics can see the obvious dangers hoverboards -. It takes some time to learn to use them without falling and even experts can take a tumble. So if you are considering buying a hoverboard, I encourage you to think about your insurance options through. What is your state laws require? For example, California residents can use a hoverboard on public roads if the bike path. the hoverboard will be used on your home or outside your premises? What is the maximum speed of the hoverboard? The maximum speed can affect coverage options as well as where it is used.

Thinking about these questions can not be as fun as dream of being as cool as Marty McFly, but it could help you prepare for your future!

[1] http://qz.com/5670/exploding-hoverboards-expose-the-total-lack-of-global-manufacturing-standards/

Click to get answers to many of your insurance matters!

Working as professional insurance, my friends and family often ask me insurance. I'm sure others out there have the same questions, so I thought I would try to help answer them.

1. How do I know if I get the best rate for my policy? I think one of your best options to get the best rate is to have an independent agent who represents several insurance companies. You can build a relationship with a local agent who will do the work for you in your rate shopping when you feel it necessary. Taking a step further, find a trusted agent Choice is better than you can be sure they adhere to broad industry best practices. Watch this video about the benefits of working with an independent agent.
2. What is the right franchise for me? Generally, the higher the deductible, the lower your premium policy. If you are willing to pay more than your own disaster pocket, you will save money. If you plan to use your insurance for the 'big stuff', a higher deductible may be the way to go. According to the Insurance Information Institute (III), the claim of the average homeowner is $ 9,155 and the most common type of claim is a wind and hail loss. (1) Know what your out-of-pocket costs might be potential can help you decide which is the right franchise is for you. This video will also help explain how the franchises:
3. What is insurance discount Do not forget to ask your independent agent about discounts and credits that can be available to you ?. Many companies will offer credit based on how long you have been with the company. There is something to be said for loyalty! Another way to save money packs your home and auto policies together. Companies often give discounts for the installation of devices to prevent the loss of your home as a monitored alarm, smoke detectors, or the whole house generator. Another time, the key to ask about discounts is when you add a newly licensed driver to your policy other discounts you might want to ask about include payment speed, and the lossless credits.

Have other questions about your insurance? Your independent agent is your trusted advisor to answer your questions. Contact them today!

(1) "Homeowners and renters insurance." Insurance Information Institute . N.P., n.d. Web. July 20, 2016.

We just had a lovely weekend here. Saturday it was sunny and the temperature was close to 70 degrees. Today, only two days later, it was 29 degrees when I got up to walk the dogs this morning. Winter is definitely on its way. While colder temperatures, we will need to turn up the heat. And as fuel costs and utilities continue to rise, people are looking for alternative sources of heating.

Unfortunately, statistics show that the coldest temperatures in the number of home heating fires increases. According to a report by the US Fire Administration (USFA), "The heating fires in residential buildings (08-2010)," Heating is the second leading cause of all fires in residential buildings.

Most fires caused by home heating equipment can be avoided by following a few safety tips:

• Furnace
  • you have your furnace inspected to you sure it is in good working order. Check the exhaust pipe for holes, cracks and seal around seams.
  • Change filters as recommended by the manufacturer.
  • Keep vents clear and direct snow and leaves.
• Heaters
  • Only use the appropriate fuel recommended by the manufacturer. The spare fuel stored in approved containers outside the house.
  • Take the camera outside to refuel. Never fill a heater while it is operating or hot.
  • fuel burning equipment can be a source of carbon monoxide. Ensure adequate ventilation.
  • Maintain a distance of at least three feet to combustibles around radiators. Check the heater periodically to ensure that the fuel elements not get dropped or placed too close.
  • To prevent the heater from falling or being knocked down, place the heater on a level surface.
  • Turn heaters when you leave the room or go to sleep.
  • electric heaters draw a lot of power. Do not overload wall outlets. Check the plug and cord. If they feel hot, stop immediately. Have the outlet checked by a qualified electrician.
• Stoves and fireplaces
  • Have the chimney inspected and cleaned at least annually.
  • maintain proper clearances, according to manufacturer's instructions, around the wood appliances.
  • always use a proper screen in front of a fireplace to contain embers and sparks.
  • Allow ashes to cool before removing the chimney. Use a metal container for disposal.

And some advice in general ...

• Install carbon monoxide (CO) detectors in your home. Test them regularly.
• Install smoke detectors. Test them regularly to ensure they are in working order.
• Keep a portable fire extinguisher in your home.

Stay warm, but safe this winter. If you have additional security tips to help prevent fires and heat-related deaths, please share!

there A few years ago, the Nike retail store in New York was closed by the public health service because of a bedbug infestation in the shop. No doubt their reputation has taken a hit, but what their bottom line? I wonder how many sales were lost? How much did it cost to rid the case of insects? And were paid employees during shutdown?

What about your business? What if the Ministry of Health has closed your doors because of a breach? If you are a catering company or hotel management / ownership, income and costs lost to rid your business of bugs could be high. You may think, "I'm the code, it will not happen to me." But what about circumstances that are beyond your control? Workplace violence occurs more often, and if it happening in your business, you would have to close unexpectedly, at least temporarily. can you survive the financial loss? Think about how long the movie theater in Colorado was then stopped the authorities could investigate mass shooting at Batman first.

Although none of us wants to think about our business closure for one of these reasons, the fact is it could happen. How can you protect your business and your bottom line? the outbreak of the additional charges policy. the policy provides coverage in the event business operations are suspended, either due to a covered contagion (a transmission of the disease through contact direct or indirect, including legionnaires, influenza, e-coli, methicillin resistant Staphylococcus Aureus (MRSA), Salmonella, Norwalk virus, and many other viral and bacterial contagions), infestation by vermin or parasites, or workplace violence. This specialty policy coverage could help you get back to normal business operations after a shutdown. The proceeds of the policy are used at the discretion of the insured without heavy business interruption claims settlements necessary.

needs "All businesses are unique, so contact your independent insurance agent to learn more about this coverage and to see if it is right for you.

has your business ever closed unexpectedly? What were the circumstances and how did you recover?

Almost every commercial auto insurance claims on TV save money. With the emphasis on price alone, you might think that all insurance policies are created equal. They are certainly not!

I recently read an article about a complaint that a vehicle of the insured had been stolen. After discovering the vehicle was unlocked and the keys had been left inside the car owner, the claims adjuster denied the request. This auto policy the insured does not cover the flight there was no sign of forced entry to gain access to the vehicle and / or an ignition system.

Although the insured was extremely negligent in leaving both his vehicle unlocked and the keys inside, most personal automobile insurance policies issued by standard companies provide coverage, exclusions under subject to the policy, including intentional acts. In this case, however, the client has chosen a nonstandard policy in return for a cheaper price. No doubt this was a hard lesson to learn, but a perfect example of "get what you pay for."

While the TV ads will try to convince you to buy an insurance policy is as easy as shopping online for the better many it is not. With so many coverage options, it is best to talk with a trusted advisor who can help you choose the right policy for your needs. Contact your local independent agent to start.

All insurance policies or businesses are created equal. If an insurance company you can save you hundreds of dollars simply by choosing them question what you get in return. What type of coverage you buy? Can you call and speak to a real person when you have a question or complaint? Peace of mind is priceless, right?

We all like to think we are safe drivers, right? Obeying the speed limit, wearing our seat belts, and keep our eyes on the road are safe driving habits we should all practice. But the real driving laws in your state? I'm sure most of us have not considered some form of those since the end of the education of our driver class and pass the written exam of State. How long was it for you? For me it is the approach it 20 years ago!

Without a refresher course or the periodic review of the driver's manual, it can be easy to forget or simply overlook the road. Most states provide easy online access to their traffic laws and safety tips. You can test your knowledge of driver safety by taking one of the DMV test specific practices in the state. These vehicles practical tests free engine cover rules and regulations of several state agency including the Department of Motor Vehicles, Bureau of Motor Vehicles and the Department of Transportation, to name a few.

No matter what state you live here quickly recycling tips courtesy of the Ohio Bureau of Motor Vehicles and the Department of Public Safety Sites:

• If your car starts to hydroplane, reduce your speed and let the car slow down. Do not slam on your brakes.

• Roadways may become dangerous for drivers of the first rain after a drought.

• When parking on a downhill slope, you should turn the steering wheel to the right and the parking brake.

• Slow down and pull safely to the side of the road for all emergency vehicles and funeral processions.

• Turn your lights for a period of rain, snow, fog or other adverse weather conditions, whatever the time of day. Rule of thumb - your headlights should be on every time you use your wipers

• Bridges and overpasses hold frost and ice earlier and more

..
• If your vehicle is not going into a skid, take your foot off the accelerator and steer in the direction of the skid. Never apply the brakes while skidding.

• If a tire blows, keep your foot off the accelerator and let the vehicle coast until it stops. When the rash is a rear tire, sudden application of the brakes could cause you to fishtail.

Whether you received your license yesterday, or it 20 years ago (like me), there is always good practice to review the traffic laws in your state periodically to ensure to travel safely. In addition, some insurance companies offer discounts to fill an accident prevention course. Check with your insurance agent to see if your insurer offers a discount.

Do you have other safety tips you want to share?

Liability coverage is probably one of the most important in blankets any home insurance policy, but it is overlooked or downplayed by most consumers. If you are sued because of injuries or damage someone supports due to your action or inaction, if a court determines your negligence causes injury or damage, liability insurance will potentially pay the judgment within cover. During the discussion of this coverage with clients, I hear almost always, "I do not care if I am sued, I have no money. You can not get blood from a stone. "This statement could not be further from the truth, but unfortunately it is how many consumers look for possible prosecution.

This several limitations of liability coverage to choose from on a homeowners policy, but I always add liability coverage as I can so the policyholder has the maximum protection available under their policy . the domestic price difference of a lower coverage or maximum midrange is usually minimal - often less than two movie tickets and popcorn bag

despite the obvious value, I still have people tell me that they do not require as much liability coverage. what people fail to understand is that if you are sued for personal injury or property damage to others, the courts will find a way to get the money you owe the other party. A judge may garnish your wages for the rest of your life, forcing you to liquidate your assets and / or put a lien on your house. In some cases, this action can force you to sell your house to pay off debt. The most common answer to this question is, "My home is homesteaded," but Homesteading only prevents another party to force you to sell your home to pay off a debt. A lien may still be placed on your home, which means that if you ever decide to sell your home, the mortgage (if any) will be paid first, then the privilege. only after they are paid you will receive what the benefits are left, but it is often nothing more to and privilege is still not paid in full.

for example, you are on the golf course and break a long journey. the ball hits another golfer in the head, knocking him unconscious and cause permanent brain damage. This person may not work or function in he was used to before the accident. He goes up to $ 1 million for negligence and wins. A lien is put on your home for $ 1,000,000. Five years pass and you sell your house for $ 300,000. The first $ 0,000 goes to the mortgage company to pay off your existing mortgage, the $ 100,000 "profit" is applied to the remaining $ 1,000,000 you the person you are injured on the golf course. So now you have no home, no money to show for the sale of your property, and you still have this person $ 00,000. And to top it off, a percentage of your current and future income are taken out of your weekly salary to help pay this debt. In order to repay the balance of $ 00,000 over the next thirty years, you would have to hold $ 576.92 of your weekly salary.

As the example above illustrates, this judgment may become a heavy burden throughout your entire life. The purchase of the highest possible limit of liability is the best way to avoid such a situation. For an additional layer of protection, you can also buy a personal umbrella policy to extend coverage on your home, cars, boats and recreational vehicles to higher limits. For more information on personal umbrella policy, look at the video above and then talk to your independent agent on how the implementation could benefit you!

The benefits described here are in the most general terms and are subject to the current political conditions and exclusions. For the actual wording cover, conditions and exclusions, see the policy or contact your agent Central.