Summer Driving Safety

driving-407181_1920Auto Insurance Update

Summer has arrived and many people are hitting the road.  In the summer months driving time increases, so it is important to be a defensive driver.  In addition, in the summer, thousands of young, inexperienced drivers are on the roads, increasing the risk of accidents.  We all want to have a safe and fun-filled summer, so here are some driving safety tips to ensure that your summer is truly enjoyable.  Remember, we have access to very competitive auto rates, and we offer great service at affordable prices.

Summer Driving Safety Tips

Do not drive if you are tired.

Keep your tank full of gas.

If it just rained, the road can be slick from road oils and water.

Wear sunglasses help cut out glare.

Watch for construction zones, as roadwork increases in the summer months.

Never text and drive, and always wear your seatbelt.

Bicycles and motorcycles are sharing the roadways.  All drivers must be carefully educated to watch for, and avoid, bicyclists and motorcyclists.

Make sure your brakes are working correctly.

It is important to use your headlights in the daytime, not so much, so that you can see, but so that other cars can see you.

Check your tires, and make sure they are fully inflated.

Remember weather conditions can change quickly, so plan extra time to get where you are going.  Don’t ever assume your time on the road will be uneventful. You could be stuck in traffic for extended periods, so it is always a good idea to travel with water and some energy b

We Can Help Your Business Survive an Interruption

coffee-shop-1149155_1920 (1)A Business Insurance Update
Have you considered the cost to you if your business had to shut down for a week, month, or even longer? We have, and we can offer a few tips to help your business continue even in the midst of a shut down.
A business can be shut down for a number of reasons. Your business or commercial insurance policy will cover the cost to repair or rebuild your building, and replace business property. But are you protected if it takes time to re-open? Business Interruption Insurance keeps you financially stable during the period that you are forced to vacate. You can continue to provide your employees with pay, and manage bills during the period in which the business cannot operate.
When considering business income, you also need to determine if you have certain risks that would require specific limits within the overall coverage. If these are not managed correctly, you may suffer a loss and not have enough insurance to ensure your recovery.
Business Income Insurance
• Peak Season – If your business has seasonal income, you will want to adjust your policy accordingly. Don’t just average your income out over 12 months; that may not be adequate coverage.
• Period of Recovery – When you consider your recovery time, (the amount of time to fully resume operations) you may need to take into account any special construction needs. For example, you may have unique equipment that will take several months to design and construct. Knowing this will help you design your coverage to meet your needs.
• Payroll coverage–Under this coverage, you can select who you want to offer payroll continuation to. However, you must do this prior to the loss. You can also add categories of workers and even managers.

Commercial Insurance Tips

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The purchase of business insurance is an essential investment for business owners. Insurance policies protect the business from the financial consequences of accidents and mishaps that could erode profitability and threaten continuity of the operation. Business insurance can be expensive, so we wanted to give you a few tips in how to get the most out of your business insurance purchase.

Combine your business auto, property, and liability into one package.

Take a close look at your policy and make sure you have the coverage you need. There may be coverages you have that you do not need.

Look to insurers that offer loss control help. This will help you manage your risk and keep claims as low as possible.

Is your deductible too low? You may save more than you think by increasing your property deductible to $5,000 or even $10,000. If you generally have no loses this may save you money.

Each insurer is different, but you might save by paying your premium in full upfront.

Commercial insurance is one of the most important products a new business needs. Our agency can help you review your risks and guide you through the process of securing the right combination of coverage and price.