Tips for Having a Safe Halloween During COVID-19

A Jack-o'-Lantern sitting atop green grass and yellow and orange leaves wearing a surgical mask of its mouthIt’s no secret that this Halloween is going to be much different than any we’ve experienced. This year has come with challenges that have shifted the typical joyful spookiness of the holiday into an atmosphere a bit more unsettling. Despite social distancing and additional safety precautions in place, Halloween will likely still carry the accompanying perils and potential liabilities, along with a few new risks. Refer to our list of helpful tips for having a safe Halloween during COVID-19. [Read more…]

Common Complications Caused by Clogged Gutters

A close up image of a gutter system on a brick houseColorful autumn leaves are a welcome distraction from the cold weather, but it’s only a matter of time before those leaves detach and clutter your gutters. This is a yearly hassle for every homeowner, but it’s an important component of every fall cleanup, as neglecting your gutters can have unfortunate and expensive repercussions. These simple ducts play a vital role, so it’s essential that one cleans them out to prevent these common complications caused by clogged gutters. [Read more…]

How to Develop Your Family’s Fire Escape Plan

Smoke rising up to a smoke detector on the ceiling, stressing the importance of developing your family’s fire escape plan During a fire, there’s no room for hesitation. Some families may feel overconfident about their preparedness for such an event. When it comes to fire safety, many are only aware of the bare essentials, and many more don’t even have an escape plan. Despite the precautions you may take to ensure an accidental fire doesn’t break out, factors beyond your control can trigger a blaze. That’s why it’s so important to improve or develop your family’s fire escape plan so that every member is aware of their role. [Read more…]

Tips for Preventing Water Damage from a Leaking Refrigerator

A man checking the door of a refrigerator to determine the cause of a leakIt doesn’t take long for a burst pipe to cause severe damage to your home. However, gushing water isn’t the only cause of water damage; oftentimes, a little drip can result in a big problem. A common culprit of slow, progress leaks is one of the most essential appliances in your home: the refrigerator. Since your fridge fulfills a variety of complex functions, it’s not out of the ordinary for a leak to occur and gradually cause water damage. Luckily, you don’t necessarily require a repairman when it comes to preventing water damage from a leaking refrigerator. [Read more…]

Attractive Nuisances: How They Affect Insurance

A swing set in a back yard, used to dedicate an attractive nuisanceWe’re in the dog days of summer, and despite quarantine, children are excited about playing outdoors. Although it’s important to encourage children to stay active, you also teach them about the potential hazards in your neighborhood. These hazards can come in a variable of shapes, from playground equipment to power tools. However, it’s also important to be wary of the dangers features on your property present to others. Learn more about what insurance carriers refer to as attractive nuisances and how they affect insurance. [Read more…]

Does Your Nonprofit Organization Need Coverage for Volunteers?

A male volunteer in a medical mask delivering a box of vegetables to someone's front doorstepDespite the charitable nature of nonprofit organizations, there are some essential guidelines they must follow to prevent risks to themselves. Although they have different goals than traditional businesses, volunteer-driven nonprofits need to protect their team, and while nonprofits operate differently than a traditional business, they share some of the same risks and liabilities. Let’s dive into what types of coverage for volunteers nonprofit organizations require. [Read more…]