How to Maintain and Safely Drive on a Spare Tire

A woman's arm reaching into a car trunk to remove the spare tire.While most recognize the importance of maintaining their tires, it can be easy to forget about the one sitting in your trunk. If you’ve never needed to use your spare tire, you may be thinking that it’ll work as good as new when you one day need it. However, accidents arising from poorly maintained or faulty spares are surprisingly more common than drivers may think. Let’s review some tips on how to maintain and safely drive on a spare tire to ensure you’re not at higher risk when it comes time to use one. [Read more…]

How to Build a Business Inventory List

A warehouse worker holding a digital clipboard taking inventory of the businesses productsStaying organized and efficient are some of the most important traits of a business owner. Whether you sell tangible products or services, there are items and equipment on site that your business cannot live without. That’s why it’s crucial to maintain an inventory so you can monitor all the products and property that keep your business running. Not only will this list inform you when it’s necessary to place new orders for products, but it will assist when making an insurance claim in the event of a disaster. Let’s review how to build a business inventory list to keep your company safe. [Read more…]

Turn Off Your Water, Electricity, and Gas in an Emergency

Interior Home Water ValvesUtilities make home living comfortable. However, they can also give rise to some hazardous situations. A gas leak can lead to medical emergencies or explosions, a burst pipe can cause severe flooding, and a malfunctioning outlet can cause a fire. Fortunately, many of these occurrences often come with warning signs that can avert disaster if acted on quickly. The best thing to do in these instances is to turn off the associated utility. However, not many know how to do so, which is why we’re here to teach you how to turn off your water, electricity, and gas in an emergency. [Read more…]

How to Protect Yourself Against Uninsured or Underinsured Motorists

A car accident involving two vehicles. A white sedan rear-ending a silver pickup truck.Despite New Hampshire being the only state in New England that does not require minimum mandatory car insurance, the number of uninsured or underinsured motorists on the road remains surprisingly high. If you’re unlucky enough to be involved in an accident with an uninsured driver, although you’re not at fault, you’re still at risk of suffering substantial financial losses. Fortunately, there are some policy options to protect yourself against uninsured or underinsured motorists. [Read more…]

Do Haunted Attractions Need Insurance?

A haunted attraction in Orlando, Florida. A haunted house with a red hue, meant to signify the need for haunted attraction insurance.What’s scarier than witches, ghouls, and ghosts? Having someone become injured at your haunted attraction without the right protections in place. Many thrill-seekers come out this time of year, but if they’re not careful, they can encounter the wrong type of scare. The same is true for those in charge of performing the scares. If you plan to host a frightening evening for guests, make sure you know whether your haunted attraction needs insurance and the steps you can take to keep everyone involved safe and having fun. [Read more…]

How Does Subletting Your Apartment Affect Your Insurance?

A close-up of a renter handing the keys over to a person subletting the apartment.If you’re a renter and are planning a long leave of absence from your apartment or are intending to leave it entirely before the end of your lease, you might be thinking of subletting your rental space. While this seems a great way to cover your rent and avoid breaking your lease, the insurance implications can become quite complicated. That’s why we’re here to explain how subletting your apartment affects your insurance and how to maintain the appropriate coverage. [Read more…]