Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
What is a small business? Small is a subjective word, meaning different things to different people. As we explore the kind of risks you face and the kind of insurance you might need we're going to take a life-cycle approach, starting with the most incidental of business pursuits and work our way up to the Fortune 500 level.
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First let's tackle the question of whether you need a separate insurance policy for your boat at all. If your boat is small and has limited or no power, the chances are that your homeowner insurance policy will afford you all the protection you need, although you may need to modify, or endorse, your homeowner policy.
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Download Hurricane/Flood Disaster Supply Kit (Excel)(PDF)
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While the vast majority of products and toys produced for infants and children are safe, that is not always the case. In March of 2005, for instance, Graco agreed to a record 4 million dollar fine for failing to report deaths and injuries related to recalled goods or products about to be recalled. Each year, about one-third of the 350 or so products recalled by the Consumer Product Safety Commission are intended for infants and small children. Small children are particularly susceptible to inherently unsafe products so it is a good idea to review recall information periodically.
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Exactly what is a tornado and what is a near tornado? When it comes to personal safety, it hardly matters. Even relatively wean tornadoes can be devastating, causing tremendous property damage. Learn a few facts about tornadoes and what you can do to keep you and your family safe before, during, and after a tornado.
Maintenance for your vacation or second home is pretty much the same as for your primary residence. There are a few reasons why you may need to take a few extra measures with your second home. You are most likely away from your vacation home for periods of time and, if you have nearby neighbors, they may be away from their homes during the same intervals. Many vacation homes are situated 'away from it all' so, if something were to happen to your home, it's possible no one would notice until too late.
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