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Fall is getting closer as the temperature has begun to feel a little cooler. While the leaves are beginning to change colors, people are beginning to enjoy carving pumpkins and drinking warm apple cider. Before fully diving into fall activities, make sure that you have prepared your home for the incoming cold winter months.

Sealing Your Windows and Doors

Making sure that your windows and doors have been properly sealed should be one of the top priorities on your list. This is because if you have leaky windows or doors, it will allow the chilly breeze inside while you are trying to stay warm. Typically this is a DIY project that requires rolling self-adhesive weatherstripping down the side of a window or door. It may be helpful to install a door sweep to help prevent drafts between the bottom of the door and the threshold.

Check Your Roof

Checking your roof periodically should already be a part of your yearly maintenance checkup on your home but even more so during the fall. A professional inspection may uncover signs of potential problems, such as damaged or missing shingles, loose seams, or shingle pieces that are accumulating in downspouts. This gives you a chance to have any found issues repaired before winter sets in.

Clean Gutters

Leaves, twigs, and other debris can also weigh gutters down. This can pull the gutters away from the house and potentially damage siding and trim. Clogged gutters can also lead to ice damage during the winter months and invite insects. Maintaining your gutters and downspouts removes clogs from flowing away from your house, which may help prevent potential water damage.

Inspect and Clean the Fireplace Chimney

Before you light up the fireplace to get warm for the night, have a professional chimney sweep clean and inspect your fireplace and chimney. Even if you have a gas fireplace, the fireplace and chimney should still be inspected for any blockages that could cause a fire. In addition, having a professional check the gas lines and vents for leaks should be done. If any are found, you will have plenty of time to get them repaired.

While preparing for the cold months to settle in, think about your current insurance coverages for your home. Fall is the perfect time to review your current home insurance policies and potential options with your agent.

When you think of “workplace culture,” you probably picture casual Fridays or volunteering as a group. Having a positive workplace culture is certainly something that benefits businesses and helps with employee retention. But what some people forget about is that a “culture of safety” is an equally important type of workplace culture.

What Is a Culture of Safety?

Essentially what this phrase means is the attitude of all members of a company – from the bottom to the top – towards safety in the workplace. Cultures of safety can be positive or negative. In a negative culture of safety, workers, managers, and anyone in between do not respect the recommended safety measures. As a result, more accidents happen in a workplace with a negative safety culture. In a positive safety culture, everyone respects and obeys the safety rules and regulations without complaint, and less accidents and workers compensation claims happen. So how do you create a culture of safety in your business? Here are some helpful tips.

Engage in Continued Education

Safety meetings are a great occasion to maintain your employees’ safety education. It’s normal for people to forget what they learned the first week on the job in orientation safety training. If your employees’ work includes a significant physical aspect, the safety meetings are a great opportunity to review proper physical operations such as how to lift heavy objects or how to safely operate large machinery and equipment.

Look Into Near Misses

It may not have actually hurt anyone or resulted in a workers comp claim, but a near miss could be a full on accident next time. If an almost-accident occurs, put on an investigation to look into its cause and determine what could have prevented it. Then observe these new safety practices to reduce the possibility of that near miss becoming something more serious.

Reward Employee Reporting

In a positive safety culture, employees feel comfortable reporting safety concerns or hazards to management. Going along with this, the management must take the reports seriously and work to correct the situation. It can be important to reward employees who step forward about concerns they see on the ground, Often, these individuals are in the best position to notice safety hazards and as such should be listened to as a valuable safety resource.

Every business should work to create a positive safety culture, but accidents may still happen. Ensure your operation has the best insurance coverage to reduce losses in the event of an unfortunate accident or injury. Talk to your agent today to make sure your business is protected.

They say that there is insurance for everything, no matter what the insurance is actually covering. Purchasing the right insurance and the amount of it you need will always be determined by factors in your unique situation. These factors are usually children, age, lifestyle, and employment benefits. With the vast variety of insurance coverage out there, many experts recommend purchasing at least 4 types. These types are life insurance, health insurance, long-term disability, and auto insurance. 

Life Insurance

There are two traditional types of life insurance: whole life and term life. Whole life insurance is guaranteed coverage until death if the monthly premiums are paid on time. Term life insurance is a policy that will cover you for a set amount of time. This is a simple explanation of the most basic forms of life insurance. Of course, there are more in-depth differences between the two, but deciding which is best for you will depend on your factors. The universal benefit of life insurance is the ability to cover funeral expenses and provide for those you leave behind.

Health Insurance

Did you know that over 900 Americans who filed for personal bankruptcy between 2013 and 2016 did so because of medical problems – bills, income loss due to illness, or both? These numbers may have you leaning towards obtaining health insurance or to review your current coverages. Currently, rising co-payments, increased deductibles, and dropped coverages have made health insurance a luxury that fewer people can afford. Considering that the national average cost for one day in the hospital was $2,517 in 2018, a minimal policy is better than none. 

Long-Term Disability Coverage

Long-term disability insurance is the one type of insurance most of us think we will never need. Did you know that one in four workers entering the workforce will become disabled and will be unable to work before they reach the age of retirement? Usually, employers offer both short and long term disability insurance as part of their benefits package. This is the best option when it comes to securing affordable disability coverage. Keep in mind that many plans do require a three-month waiting period before coverage kicks in, provide a maximum of three years’ worth of coverage, and have some significant policy exclusions. 

Auto Insurance

Not every state requires drivers to have auto insurance, but most do place regulations regarding financial responsibility in the event of an auto accident. States that do not require insurance will conduct periodic random checks of drivers for proof of insurance. If you don’t have coverage, the fines will vary by the state and can range from the suspension of a driver’s license, added points to your driving record, or fees ranging from $500 to $1,000.

Did you know that there are roughly 2.2 million farms throughout the United States? A lot of these farms don’t have the protection that they need. Farms that focus more on crops rather than livestock need specialized protection against the elements and more to continue to provide revenue for their farm. It’s estimated that 97% of these farms are family businesses, so it’s not just about the business but also about protecting the investments and the livelihoods of these American families. 

How can your farm be protected? Crop insurance is designed to protect farmers from loss, so they can continue to run their businesses effectively. This is a type of product liability insurance for fresh produce and farm goods. It will usually provide up to $1 million per occurrence with no deductible. This helps farmers get reimbursed for any losses they incur. Below are three protections that are provided by crop insurance. 

Frost

Depending on the location, frost can have devastating effects on a farm. If cold weather decides to come in early, farmers need to be protected from the damage that can occur from not being prepared. Crops differ in their susceptibility to frost, and there are steps you can take to extend the season. Typically, frost is followed by some warm and sunny weather before things really get cold for good. 

Natural Disasters

Natural disasters are situations that constantly challenge agricultural production. Tornados, hurricanes, floods, fires, and earthquakes can strike without warning and farmers need to be prepared for the worst. Since agriculture strongly relies on the weather, climate, and water availability to thrive, it is easily impacted by natural events and disasters. Common agricultural impacts from these disasters include:

• Contamination of bodies of water
• Loss of harvest or livestock
• Increased susceptibility to disease
• Destruction of irrigation systems and other agricultural infrastructure

Theft

We don’t like to think about the possibility of crops being destroyed or stolen, but it is an unfortunate situation that does occur. When crops are stolen or destroyed, it can lead to a cut in revenue for the farm. Farmers who get insurance for crops don’t have to worry about the potential loss of revenue if they have the correct coverage.

A DUI charge can have serious consequences. For one, driving under the influence makes you a danger to yourself, your passengers, and others on the road. Each state has different laws and penalties, but in most cases your license will be suspended, you’ll have to pay large fees and fines, and you may even spend time in jail. Your car insurance premiums may also go up by a huge percentage, depending on your state. Police are more vigilant in looking for intoxicated drivers around holidays, so in light of the upcoming Labor Day weekend, here are some tips on how to have a safe holiday weekend.

Most Importantly: Don’t Drink and Drive

This is the simplest way to avoid a DUI. There is always a risk when you drink alcohol and drive, even if you are smart about it. You can keep yourself and others safe by avoiding the practice completely. One way of doing this is to simply not drink when you know you’ll need to drive a vehicle later or to use a designated driver. Everyone appreciates a designated driver (DD), and with your friends or partner you can take turns acting as the DD so no one has to do it all the time. You can also use a diver service app, taxi, or call someone to come pick you up. A little expense, or owing someone a favor, is worth it in the long run if you’re able to stay safe. 

If You Do, Be Smart About It 

Three things are the most important when you drink alcohol and know you will be driving later. 

First: Hydration

Before you begin drinking, hydrate yourself by drinking several glasses of water. Also drink a glass of water in between every drink you have. One bonus of doing this is that you’ll end up spending less money on expensive drinks!

Second: Food

It is incredibly important to eat enough food before you drink alcohol. Consuming a full meal, especially one that contains protein and fats. It should be noted that after you begin drinking alcohol, eating food will not “absorb” the alcohol like many people believe it will. Only the food that is already in your stomach will slow down the rate that the alcohol enters your system. 

Third: Number of Drinks

Limit yourself to a small number of drinks. This number will change depending on your weight, age, and gender. There are methods and apps that you can use to estimate what your blood alcohol content may be. 

The Bottom Line 

The only thing that will, without fail, keep you from getting a DUI is to not drink and drive. This is especially important on a holiday weekend, where DUI patrols are increased. If you do partake, be responsible about it. It’s possible to enjoy your holiday weekend and still stay safe and DUI free. 

Not everyone is able to work out in a gym. This could be because of lack of time or some may find it difficult to commit to a gym. Working out at your place of residence may be an easier way to get in your daily exercise. It’s important to work out and keep your body moving and functional as you get older. There are five simple exercises that are focused on functional fitness. Functional exercises are exercises that allow for someone to complete daily activities with ease. It is recommended that everyone does them – beginners, seniors, and even the best athletes – to perform to the best of their abilities. These five exercises are considered compound exercises that work all the major muscle groups in the body and as an additional plus side, the exercises can be completed anywhere. 

Squats

Many fitness experts actually say that doing squats is the one exercise everyone should do if you don’t have a lot of time. Daily squats can help you mentally and can even help you get better yearly checkups with your primary physician. The biggest benefit of squats is building leg muscles – quadriceps, hamstrings, and calves. This exercise also creates an anabolic environment, which promotes body-wide muscle building, improving muscle mass.

Lunges

The biggest benefit of lunges is that the exercise effectively works the glutes and quadriceps while engaging with the hamstrings. Your metabolism can be sped up by strengthening these large muscle groups. With a fast metabolism, it can assist with weight loss. Lunges can help you shape, tone, and firm up your legs and glutes. Additionally, this exercise improves core strength and hip flexibility. 

Push-Ups

The most beneficial exercise for building upper body strength is push-ups. They work the triceps, pectoral muscles, and shoulders. If done with a proper form, they can also strengthen the lower back and core by engaging the abdominal muscles. Push-ups are a fast and effective exercise for building strength and they can be done anywhere and without any equipment.

Pull-Ups

Pull-ups focus on strengthening the back, arm, shoulder muscles, and grip. Strength and resistance training can increase your overall fitness level. When doing a pull-up, you’re lifting your entire body mass with the move. Studies show that strength training is important for promoting bone development and enhancing cardiovascular health.

Planks

One of the most effective core exercises to do. Not only will they help you strengthen your core but also will help improve your posture. A plank consists of being in an extended push-up pose and holding your core muscles. The plank is a bodyweight exercise. Bodyweight exercises are workouts that you can do with nothing but your own body and that’s a reason why it is a favorite of many people. 

Whatever your reason for needing to exercise in your own home, there are many simple exercises you can do. Keeping up your health is incredibly important and you don’t have to leave your home to maintain it.

While shopping around for car insurance, it’s important to know all the different factors that go into the price of your premium. Car insurance companies collect information on your vehicle, as well as additional factors, to help determine how much you need to pay for insurance. To speak specifically on the automotive factors, the insurance company may use your vehicle identification number (VIN) to access information and they may contact you directly for additional information needed. Below is a list of all factors that can have an impact on your car insurance:

• The vehicle production year
• The make and model of the vehicle
• Safety features of the vehicle
• Car alarm (if applicable)
• Total number of vehicles you currently insure

Additional Factors

As you know, car insurance is not just reflective of the car being insured. Two additional factors will have an effect on your car insurance coverage and price: the driver of the vehicle and the insurance company you go through. Below is a list of driver factors and insurance company factors that can potentially change your policy.

Driver Factors:

• The age of the driver
• The driver’s driving record
• Total number of drivers on the insurance policy
• The current credit score of the driver
• Homeownership
• Where the driver lives
• Grades (applicable to teen drivers)

Insurance Company Factors:

• Payment plan 
• Length of time insured
• Your state’s law

Keeping Your Limits and Deductibles In Mind

Limits on policies are the maximum amount that policy will pay towards a covered loss. Typically, most coverages within a policy have their own limit, but these can sometimes be adjusted to be tailored to your current needs. It’s common that the more coverages that you purchase, the higher your premium will be. The amount you agree to pay before insurance kicks in to help pay for a covered loss is known as your deductible. Settling on a higher deductible means that you will end up paying less for your policy.

With colleges starting back up, maybe you have a child returning to school or leaving for the first time. You’ve got the twin XL sheets, the posters and the textbooks. Did you know that you also might need insurance for your college student?

Auto Insurance

If you already have auto insurance for your child’s car (and you should!), don’t cancel it if they are not taking their vehicle to college with them. There is a chance your auto insurance premiums could actually drop significantly if your child moves more than 100 miles from home. Most importantly, your child will still be covered when they return home and drive their vehicle. If they do take their vehicle off to college, thankfully they should still be covered under your policy. However your premiums may change depending on where your child is living during college – especially if they go out of state.

Renters Insurance 

The good news is that if your child will be living in on-campus dorms or other university sponsored housing, their possessions should remain covered under your homeowners insurance. It’s important to note that the coverage limits may be different, so be sure to thoroughly discuss everything with your insurance agent before your child leaves.

If your child will be living off-campus, their possessions will no longer be covered under your homeowners policy, and you will need to purchase a separate renters insurance policy to cover their items. A renters policy can protect your child’s expensive electronics such as a laptop or TV as well as other high value items like musical equipment or instruments. Like your homeowners insurance, your child’s renters policy also covers their insured possessions whether they’re inside your child’s living quarters or not.

Health Insurance

Although your child is eligible to remain on your own health insurance plan until they turn 26, there are still some things to consider when they leave for college. If your child will be living out of state during the school season and is not willing or able to return home for doctors’ visits, they may struggle with finding in-network providers. With the exception of emergencies, many health policies offer limited or no coverage for out of network providers. Before you make any moves, check with your child’s school to see if there are any in-network providers close to campus.

If there are not, you have two options. First, you can have your child knock out all necessary medical appointments before leaving for school and schedule future appointments to coincide with breaks. If you do want the peace of mind that good coverage offers, look into supplementing your child’s health coverage with a student health insurance policy. Coverage may also be available through their college or your child could purchase their own coverage in the health insurance market.

Sending your child off to college is an exciting time, whether they are a freshman or a fifth-year senior. Make sure your student has all the protection they need by utilizing the right insurance tools.

Taking the leap into a new business venture is ambitious and thrilling. It’s basic industry knowledge that new businesses fall into sticky situations sometimes. As you start your business, it’ll be important to cover yourself and your team for the potential risks that come with it. Keep in mind that if you don’t have insurance coverage, you’ll have to pay out-of-pocket for any damages or legal claims made against you. Checking your state’s business insurance requirements will help you narrow down the policies you need for your new start-up. 

Basic Insurance Policies Your Start-Up May Need:

• Business Owner’s Policy
• General Liability
• Commercial Property Insurance
• Worker’s Compensation
• Commercial Auto
• Commercial Flood
• Commercial Umbrella
• Professional Liability
• Business Interruption

What Is the Total Cost of All The Policies? 

The price you end up paying for coverage will depend upon the type of business you will be running. The insurance rates for businesses vary by industry. Higher risk businesses will end up needing to pay more for their premiums. 

Once you begin to buy all of the insurance policies that you need, it’s important to be mindful of the deductibles that come with them. Your deductible is the amount that you will pay out of pocket for a claim before your insurance company will cover the rest of the expense up to the policy limits. Usually, a higher deductible can save you money on your premium, but you’ll pay more out-of-pocket if you need to make a claim.

You Only Need A Few Policies, Right?

The answer to this is, maybe. As mentioned before, the insurance needs of a new business can vary greatly based on industry. Below are listed some ways that could help you lower the cost for your start-up’s insurance:

• Comparing Coverage Options
• Bundling Policies
• Driving Safely
• Look Into Discounts

Classic, collectible or antique cars are not ordinary, everyday cars. This means that general auto insurance cannot fully protect this type of vehicle against damage or loss. There is not a book definition of a classic car. If a car’s value exceeds its original selling price, then it might be considered collectible and a candidate for specialized classic car insurance. In general, vehicles that might warrant classic car auto insurance include:

• Antique and classic cars, usually at least 25 to 30 years old
• Hotrods and modified vehicles
• Exotic and luxury autos
• Muscle cars
• Classic trucks

How To Qualify for Coverage

The age of a car is usually not enough to qualify for specialized classic car insurance. Requirements will differ from company to company. Below is a list of requirements that most cars must meet in order to qualify for classic car insurance:

• Limited use – The classic car in question cannot be used for everyday commuting or errands. It is possible that the policy will include mileage limitations and proof that the classic car is being properly garaged. In this case, your insurance may require you to own a personal vehicle.
• Secure storage – When your classic car is not in use, it must be stored in a locked and enclosed private structure. This could be a residential garage or storage unit. 
• A clean driving record – If you have serious offenses on your driving record, such as reckless driving, repeat speeding violations, or driving while intoxicated, you may not be qualified for class car insurance. 

Classic Car General Policies

Classic car policies include provisions that are found in standard auto insurance policies. Typically, these provisions are property damage and bodily injury liability coverage. There are some differences as listed below:

• The car’s value – There is not a set “book value” for specific makes and models because every car’s condition is unique. Your initial step for your classic car coverage is to work with your insurance provider to agree on the value of the vehicle. This agreed value will be specified in your policy and your car will be covered up to that value without depreciation. 
• Specialized repair or restoration – With classic car coverage, you should be given the flexibility to bring your classic car to a specialist—even if the rates are twice or three times the cost of a typical car repair at a traditional auto body shop.
• Special towing and spare parts – Coverage for towing and spare parts coverage need to be aligned with the cost of the service provided. Towing with the special demands of transporting a classic car. Spare parts need to be aligned with the cost of replacing valuable and perhaps hard-to-find vehicle components, such as wheels, transmissions, and engine parts.

Keep your prized automobile well protected. Speak to your agent today about adding specialized classic car insurance.