Christmas Tree Safety Tips

According to the US Fire Administration over 400 homes are destroyed annually by causes related to Christmas tree fires. offers competitive rates on homeowner’s insurance that would cover accidental damage due to Christmas tree fires. Here are a few good reminders to help you enjoy the holiday:

Keep your Christmas tree well watered. Refilling the water every day will help it last about two to three weeks.

Check the tree for freshness before buying. A freshly cut tree will have a sticky trunk and the needles will not fall off if touched.

Set your tree away from heat vents and the fireplace. Heated air just dries out a tree, and one shooting spark can cause a disaster.

Inspect the lights. Check for exposed or worn wires, as well as broken sockets.

Turn off the lights at night; use a timer if needed.

Do not burn the tree in your fireplace.

Do not overload the electrical circuits.

Take your tree down the first of January.

 

 

Does Your Business Need Insurance?

 

Business Insurance

The world is changing, and we understand the issues businesses face every day. There is constant competition for your customers, there are challenges in attracting and retaining top talent, and your cost of goods keeps going up. Part of your planning should include an annual business insurance review. Your business changes, and so do your exposures. Here are some of the major kinds of liability coverage found in most business insurance programs.

Commercial Liability

Bodily Injury – Bodily injury to a third party.

Property Damage – Damage to a third party’s property (equipment building etc.).

Personal Injury – Injury to the mind or emotions, as opposed to an injury to property.

Advertising Liability – Damages arising out of advertising, libel, slander and invasion of privacy.

Products & Completed Operations – Liability arising out of products you sell or business operations and services conducted, excluding professional services.

Premises – Covers liability arising out of injury to third parties while on your premises.

Management Liability – This might include cyber, employment, and professional liability coverage. Directors and officers liability also might fall under this category.

Umbrella – Provides excess liability over primary auto and commercial liability policies.

Pollution – Coverage for accidental release of pollutants. 

Business Auto- Covers vehicles owned by the company for business use and can include comprehensive and collision.

Risk is a factor for whatever business you are in. We provide business insurance solutions to help you manage your risk, which keeps you in business.

Call one of the experienced agents at Georgetown Insurance Agency today at(512) 863-4388 or start a free rate quote and let us review your insurance needs and tailor a program to protect your business.