When people think of homeowners' insurance claims, they often associate them with major disasters such as hurricanes, tornadoes or wildfires. In these situations, there's not much that policyholders can do to avoid disaster.   Fortunately, many homeowner losses are...

Have you ever jumped into your car, turned the key, and nothing happened? If so, did thoughts like this start racing through your head? I wonder what’s wrong? What am I going to do now? Who can I call? I hope this isn’t going to be expensive. A dead battery can occur...

Between giving gifts, preparing large meals, and planning family gatherings, the holidays can be a stressful time of year.  Adding another thing to think about may seem overwhelming, but home safety is an important consideration. A devastating burglary, expensive...

As much as we love our pets, we do our best to protect them from danger all year long — and around the holidays there are special circumstances that put them at risk. Many of these are obvious, but others are not — and that’s not even considering the anguish of...

The National Fire Protection Association is promoting the theme, "Don’t Wait: Check the Date! Replace Smoke Alarms Every 10 Years" during this year’s Fire Prevention Week campaign. The focus on smoke alarm replacement comes as the result of a recent survey conducted...

The commercial general liability (CGL) coverage form has a “who is an insured” section in which it describes “an insured” to whom the provisions of the CGL form apply. However, that section does not deal with entities known as “additional insureds,” those that are...

Interest in cyber coverage is at an all-time high, and those who previously thought it a luxury — or not a necessity — are taking a much closer look at their exposures. 1. Brute force attack A very sophisticated software or algorithm which is written to do whatever it...

10. Repetitive motions involving micro-tasks This category represents 2.9% of the total and amounts to $1.82 billion. Some of these tasks may include a word processor who looks from the computer monitor to a document and back several times a day or the cashier at the...

Nothing puts you on edge like a big storm. Whether it’s pounding rain and crashing thunder or a blizzard that knocks out the power for days, nasty weather can have you questioning your family’s fundamental security—and the steadfastness of the home that keeps you...

While operating a lawn mower is a common task this time of year, it can be dangerous. Flying debris, moving and hot parts, and errors in judgment can quickly lead to serious injury. According to the Consumer Product Safety Commission, 80,000 people make an unexpected...

The electrical load on a household has significantly increased in the last 50 years. Today most people have at least one computer, several televisions, gaming systems, cell phones … all requiring electricity. According to the US Census Bureau, more than half the homes...

With nicer weather on the way, we'll start seeing a flurry of activity in our neighborhoods. Neighbors will begin walking/running, grilling out, and starting yard cleanup to deal with what Mother Nature left behind. Neighborhood kids will begin knocking on your door...

Mother Nature has been a bit slow in turning up the heat this spring; however, when she does, you’ll probably start thinking about yard work and outdoor projects you want to accomplish this year. If you have a large project on your list, it may be time to call in a...

While the greatest number of tornadoes occurs in April, May, and June, tornadoes can occur at any time of the year, day or night. Fortunately everybody has the chance to survive a tornado. The keys to survival are preparedness and action. If you and your family are...

Summer is officially here! Unfortunately, for teen drivers, this is the deadliest time of year. More teens are now on the road going to their summer jobs, visiting friends, and travelling to summer attractions. This means more cars driven by inexperienced drivers....

Brush up on basic fire pit safety before you build your next fire. Discover what steps you should take to keep your family safe. Whether you already have a fire pit or are planning to add one, invest some effort in reviewing fire pit safety. This is especially...

This year’s flu season has grabbed our attention. Hospitalization for people infected with the flu has increased for...

A few months ago, I purchased a new car. Because my previous car was 10 years old, it didn’t have all the safety...

Smart home technology use is a rising trend. From connected appliances to Wi-Fi lightbulbs to automated environmental...

Howling winds, drifting snow, and cold temperatures make it challenging at times to leave the comfort and warmth of...

Cold winter weather can take its toll on our homes, cars, and bodies. Frozen pipes, dead car batteries, and bodily...

During the winter months, frozen lakes host a flurry of outdoor activities. Anglers, ice shanties, and recreational...