Insurance Tips

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When You’re The Boss…

These days, more and more people are following their hearts – and making use of their talents – by starting their own business. For many of these small-business owners, it just makes sense to run their business from home.

Whether you’re just starting out or you’ve been operating from home for a while, you need to take a few minutes to review your insurance coverage. Many people are probably not aware that homeowners insurance generally does not cover a business, or it may cover only a fraction of your operating equipment. You still need coverage for liability and interruption of your business activities. An estimated 60% of home business owners are not adequately covered under their current policies.

With all the time, hard work and money you’ve put into your home business, make sure you’re covered in the event disaster strikes. Review the Home Business Coverage Chart for a comparison. Call us today for more information on how we can help you protect your investment.

GOT A SPARE?

If you think leaving a key under the mat or on top of a door frame is a good idea, chances are a thief has thought of it too. Your best bet is to leave the key with a neighbor or somewhere on their property. Even if a burglar stumbled on the key he wouldn't know which door it opened.

DO'S AND DON'TS IF YOU'RE INVOLVED IN AN AUTO ACCIDENT.

No one likes to think about being involved in an auto accident; so few of us are prepared when an accident actually occurs. At the time, it's hard to even think straight, let alone follow logical steps. That's why it's useful to keep a pad and checklist handy in your glove compartment:

DO'S
• Help the injured - It's a first priority.
• Report the accident to the police, regardless of circumstances.
• At the accident scene, write down the other driver's name, address, home and work telephone numbers, vehicle registration number, insurance company and policy number. If possible, examine the other driver's operators license and note any restrictions, such as glasses, that could become important later during the investigation.
• Record the names and phones numbers of any witnesses.
• Write down the names and badge numbers of police officers and emergency medical technicians on the scene.
• Ask the police officers how you can get a copy of the police report.
• If you suspect that the other driver has been drinking, ask the investigating officer if you and the other driver can take breath tests.
• As soon as you can, write down everything you remember about the accident.
• Report the accident to your insurance company as quickly as possible. Promptly fill out any forms your insurer mails you.

DON'TS
• Don't say anything to suggest an apology or liability. Let the authorities determine who was at fault.
• Don't volunteer information about how much coverage you have.
• Don't begin any repairs on your vehicle until your insurance company's claims adjuster has inspected the damage.
• Don't send original insurance policies or police documents to anyone. Send copies and keep the originals in a safe place.

Hopefully you'll never have to refer to these tips, but it's smart to keep them in handy place. Just as it's smart to have a sound auto insurance coverage.

Do you make it easy for a thief
to steal your car?

A car is stolen in the U.S. every 32 seconds. And a thief knows exactly what to look for. Do you make it easy for your car to be stolen? Take a few minutes to answer this quiz and think about your responses.

Do you lock your car, close the windows tight, lock the glove compartment and take your keys every time you park?
Do you park with your front wheels turned sharply to the right or left to make your car difficult to tow? And do you park in well lighted, visible areas?
Do you always lock shopping packages, luggage, clothing, sound equipment and other valuables in the trunk of the car, out of sight?
Do you take your license and registration out of the car when you leave it parked? And do you store the car's title in a safe place, not in the car? (It's much easier to sell a stolen car with the registration and title.)
Do you resist the temptation to leave your car running for a quick errand?
Do you leave only the ignition key with garages and parking lots?
Do you keep a record of your car's vehicle identification number handy so you can identify it if it's stolen and then found?
Have you branded your car in some secret places? (even spots of paint or a hidden business card can help you identify your car if it's recovered.)
And do you use proven, effective anti-theft devices?

If you answered "yes" to each of these questions, you're not only a smart driver, but you could get some great prices on auto insurance. After all, insurance companies always want to cover responsible car owners.

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