|Unoccupied buildings are susceptible to damage especially when Mother Nature sends an unpredictable wave of frigid air across the country.
We usually associate freezing pipes with cold climate states, but temperatures low enough to freeze or damage pipes can happen anywhere in the country. The water damage can be more severe when pipes burst in areas considered to be “warm” because proper precautions and action plans are not in place.
Here are some tips to aid policyholders in protecting their properties:
When small problems go undetected, they become big problems. Business and rental property owners should prepare for events or seasons when buildings may go unoccupied for a planned or unplanned period of time.
Congrats on starting your own business! It can be exciting, nervous, scary, and overwhelming all at the same time!
One of the first things that you need to do before you sign a lease, sell a product, or open your doors to the public is to get proper business insurance set up.
Most people will go straight to their auto, home, and life agent for a policy quote and then buy the policy without completely understanding the coverage and the risks of their business and this can be a HUGE mistake.
The issue at hand is having the correct coverage. Most State Farm, Allstate, Farmers, American Family agents know auto/home/life policies but don’t completely understand commercial or business policies. This equates either paying too much for the coverage or paying for a policy that WILL NEVER help you if you truly did need it. Also all of the above companies only carry general liability and NOT professional liability. Not every business needs professional liability but quite a few do and often they don’t realize it. I represent Farmers Insurance and we write quite a bit of commercial policies with Farmers but if it’s a hard to place business or something that we cannot write thru Farmers I can broker it to a carrier who will help place the risk. If you’re are either starting a business or if you’re not comfortable that your agent sold you the correct coverage at the correct price, give us a call at 816-795-5977 or email at email@example.com.
Combining insurance coverage in one policy generally leads to a better value, and we help contractors every day create an attractive insurance package for helping insure their small business.
For contractors–primarily HVAC, landscapers, painters, plumbers, electricians, carpet installers/carpet cleaners, we have a policy that is especially attractive.
A lot of insurance “brokers” offer just liability insurance for contractors, but our policies include tools and equipment and more.
For example, our policy even covers theft of a contractors’ supplies. For example: a HVAC company buys a new furnace or AC puts it in their shop. The shop is broken into and the unit is stolen. If they have our policy the first $3,000 of protection comes automatically, but you can increase it up to $100,000 of coverage.
The protection doesn’t end there.
A lot of contractors work out of a den or third bedroom in their house, but a typical homeowner’s insurance policy won’t cover anything to do with a business. If there is theft, water or fire damage, our policy covers $2,500 automatically, and it can be increased if needed”
The convenience factor is huge.
If a contractor has company vehicles, a lot of insurance carriers have separate liability for commercial vehicles, a separate policy for tools and equipment, a separate general liability policy, and a separate worker’s compensation policy. What we can do is package it all together; we can also provide them a contractors bond if they need that too. We keep in all in house so they have 1 central point of contact for all their insurance coverage.
Does the best coverage for your business matter to you? Of course it does! Call 816-795-5977 or email firstname.lastname@example.org today to see how we can help you customize the best package and lowest premium for your business.
Did you know that March is Severe Weather Preparation Month?
While it may still feel like winter outside, it won’t be long until spring arrives. And with it comes spring storms! Is your family prepared?
First things first, make sure you have designated a safe place to go to if the weather gets bad. It could be a basement, closet, or room with no windows or outside walls. Make sure this space is cleared out enough that you could easily get your family inside if needed. (You don’t want to be clearing out the closet if there is a tornado!)
Next, put together a small emergency kit. What would you need if the power was out? Consider putting in flashlights, extra batteries, canned food, and plenty of water. (Don’t forget supplies for your pets too!)
Keep emergency phone numbers in your cell phone contacts, including the all our phone numbers
Jon’s Cell: 816-304-1614
You could even save a note in your phone with your policy numbers too!
While we can’t prevent bad weather, it’s always great to be as prepared as possible. Take care of your family first and know that we’ll be there to protect your belongings.
With winter arriving soon, now is a great time to prepare your home for freezing temperatures. Use the checklist below to give you ideas for keeping warm, preventing fires, and saving money.
Have your furnace inspected and serviced by a professional at least once a year. Catching an issue early can save you thousands and if you’re a preferred customer of a local HVAC company, most will put you at the top of the list should you have a furnace issue during the extremely cold times.
Have chimneys and vents cleaned and inspected. (Built up creosote is the leading cause of chimney fires!)
Stock up on dry, seasoned wood for the fireplace or wood stove.
Check the condition of your fireplace screen. Is it in good condition and secure?
Get a covered metal container ready to dispose of cooled ashes. (And keep it at least 15 feet from your home.)
Review fireplace safety with your kids!
If you are the owner of a sports bar, wine bar or other brew pub establishment in the states of Missouri or Kansas finding insurance for your business can be very difficult. Today, I am proud to announce that Farmers Insurance now has an appetite for this line of business.
We have been an industry leader in restaurant insurance, and we are expanding our appetite. If you are in the market for insurance on your sports bar, wine bar or other had to place restaurant business give us a call. We are experts in the restaurant industry and would welcome the opportunity to earn your business!