To protect your business from the effects of cold weather, here are some things to keep in mind:Monitor temperatures every few hours in vulnerable areas. Add low temperature alarms that are connect to a constantly monitored location. Very that water-filled sprinkler piping is maintained at a minimum temperature of 40 degrees. Inspect valve enclosures for pre-action and deluge valves on a daily basis to verify a minimum temperature. Provide approved portable heaters for vulnerable areas that might fall below 40 degrees. Use tarps to erect temporary wind breaks. For a permanent wind break, consider planting evergreen trees and hedges upwind (prevailing winter wind direction) of vulnerable buildings and equipment. For pipes that are vulnerable to freezing, open water faucets slightly to let them drip to keep water flowing. If pipes freeze, turn off the water supply and thaw or repair damaged piping. Do not use open flame devices to thaw frozen pipes or equipment. Verify that all fire protection equipment is in service. Constantly monitor any boilers or other heating systems that must remain online. Keep names and phone numbers of your heating contractor, plumber, and fire department easily accessible.
Source: Liberty Mutual
We want to take a moment to thank our clients for the trust you place in us to handle your insurance needs. We know that you have a choice when working with an insurance agent, and we work every day to continue to earn your trust.
Things to be mindful during a storm:Redirect business phone lines to cell phones or answering services During a power failure, turn off electrical switches to prevent reenergizing of equipment until necessary checks are completed. Stay informed. Listen to local news and weather channels for situation developments and road closures. Ensure employee and client safety. If back up power supplies are needed, do not use an electric generator indoors, inside a garage, or near building air intakes because of the risk of carbon monoxide poisoning
To prepare your business for the winter season, we suggest you:Add rock salt or ice melt, sand, and snow shovels to your disaster supply kit. Identify who is responsible for snow/ice removal from driveways, doorways, and roofs. Determine alternative ways to enter premises if snow and ice make it impassable. Mark hydrants near your business to make them easy to locate in accumulated snow. Anchor all portable buildings and trailers to the ground. Secure scaffolds and cranes, Secure scaffolds to the building. Fasten rail crane chassis to track with bolts and clamps. Brace outdoor signs.
All the wrapping paper is cleaned up and we finally have an idea of all the items that need to be added to our insurance policies. If you received electronics, computers, phones, jewelry or high value ticket items, now is the time to make sure your new possessions are covered by insurance.
Give us a call at the agency, and we will be glad to assist you.
Winter is here and we are off to the slopes to take advantage of the snow. But to prevent injuries during your favorite winter activities, here are some tips:Never participate alone in a winter sport. Warm up thoroughly before playing or participating. Cold muscles, tendons, and ligaments are vulnerable to injury. Wear appropriate protective gear, including goggles, helmets, gloves and padding. Check that equipment is working properly prior to use. Wear several layers of light, loose and water- and wind-resistant clothing for warmth and protection. Layering allows you to accommodate your body's constantly changing temperature. Wear proper footwear that provides warmth and dryness, as well as ample ankle support. Know and abide by all rules of the sport in which you are participating. Take a lesson (or several) from a qualified instructor, especially in sports like skiing and snowboarding. Learning how to fall correctly and safely can reduce the risk of injury. Pay attention to warnings about upcoming storms and severe drops in temperature. Seek shelter and medical attention immediately if you, or anyone with you, is experiencing hypothermia or frostbite. Make sure everyone is aware of proper procedures for getting help, if injuries occur. Drink plenty of water before, during, and after activities.
You don't want to be stranded on a road, without an emergency car kit. Here are some things that you will want to put in your trunk:
Cat Litter, Jumper Cables, Water, Power Bars, Blanket, Flares, First Aid Kit, Flash Light and Batteries, Inflated spare tire, Jack and Lug Wrench, Clean Wraps, Sun Screen with Send Help, and an Emergency Triangle.
Hopefully you will need this kit, but if you do, we want you to be prepared.
Support our location businesses this weekend with Small Business Saturday. Stop by your local hardware store, bakery, cleaner, grocery, main street stores. They keep our local economy going. Please support them this weekend.
Computer Security Day - observed on the last day of November encourages us to be diligent in keeping our computers secure. Make sure you:install antivirus software software on your computer is up to date strong passwords passwords are not shared or written down password is required to log into your computer home wireless network is secure back up your data log off computer when not in use
Take some time to review this list and make sure you are secure between now and the last day of November.
Did you know that an estimated 12.8 million Americans of all ages need assistance from others to carry out everyday activities? Approximately 40% are working-age adults 18 6o 64 and 57% are persons aged 65 and older.
How do you plan for your future care needs? Consider long-term care insurance. November is LTC Awareness Month and no matter what your health is now, the younger you are, the healthier you are, can not only affect your premiums, but you may be entitled to discounts. And finally you will be eligible for a tax-deduction.
Find out more about LTC today.