Business Interruption Insurance: Is It Important?

Business Interruption Insurance: Why Is It Important?Small business owners will not hesitate to buy coverage insurance to protect their entity due to physical damage of the property or liability protection. What if something happened to their business that made it temporarily unusable? Too many owners skip over this fact. Thankfully, there is a little something called business interruption insurance that will protect their business in a big way. [Read more…]

Knowing Your House: Home Fire Prevention

Home Exterior of a large house.When it comes to avoiding home fires, there’s a lot of good traditional advice: replace smoke detectors, avoid grease fires, avoid unattended flames, and properly use and maintain your home’s heaters. But a lot about the danger of the fires isn’t impacted about how they start, but how they spread. Your home itself can impact if fires start and how much they will spread. So whether you’re looking at buying a new home or safeguarding the one you’re currently in, having knowledge about its construction and layout can help you with home fire prevention. The following information is from a UL Science report, designed to look at how modern fires have changed for firefighters. [Read more…]

When Does Renters Insurance Pay?

Home rental key in keyhole.More people rent than any time before, and it’s been slowly creeping up. According to the U.S. Census, in 2014 we’re now at 37% of rented households, and in certain large cities and states this can over 50% (in California 53% are renters). A 2015 survey by the Insurance Information Institute found that while 95% of homeowners had Homeowners Insurance, only 40% of renters and Renters Insurance. One of the reasons is the uncertainly of what if covers and when it comes into play verses other parties’ insurances providing the payout. A recent story highlights what happened when renters didn’t have the insurance and answers the question “when does renters insurance pay?” [Read more…]

Grease Fire: Tips and Prevention

Kitchen grease fire from unattended pan.No matter how prepared you may think you are, a fire in your home can happen at any time. Unfortunately this is one of those liabilities that comes with owning a home. Some of the most dangerous fires tend to start in the kitchen, and cooking is the number one cause of fires and fire-related injuries nationwide according to the National Fire Protection Association nationwide. They are often caused with the use of cooking oil and generally these fires tend to be more difficult to put out than other fires. Luckily, in the event that a grease fire happens in your home or business there are ways to contain them and put them out safely before the damage gets out of hand. [Read more…]

Looking Out for Your Home: Heating Safety

In 2011, according to the National Fire Protection Association, heating equipment was involved in an estimated 53,600 reported U.S. home structure fires, with associated losses of 400 deaths, 1,520 injuries, and $893 million in direct property damage. These fires accounted for 14% of all reported home fires. And these numbers rise with exceptional the brutal and further-reaching winters seen in more recent years. Here are some tips to keep in mind when heating your home to avoid home fires. [Read more…]