Have you watched HGTV and been inspired to take on your own home improvement projects? Regardless of whether you are doing the project yourself or hiring a contractor, you probably spent countless hours deciding on the specifics, picking out materials, and turning your vision into a reality. But once the project is complete and you are enjoying your renovated home, many homeowners forget a critical step…to notify their insurance advisor of the upgrades!

Tornados, fires, and storms happen. Burglaries happen. You take precautions to protect your home from these situations, but have you thought about what you would do if you lost your possessions?

Yes, your insurance policy is there to help cover your losses. But how do you know how much coverage you need? How will you go about replacing what you lose?

Creating a detailed inventory of your belongings is an important step in protecting your home. Don’t overlook it. 

Do you have employees driving their personal vehicles on behalf of your organization? Perhaps for making sales calls, visiting clients, running to the post office, or picking up equipment or supplies? If so, what risk management strategies have you adopted to ensure your company is properly protected and your employees are properly insured for business use?

As if the cold weather and snow weren’t enough to deal with, the winter also brings the danger of ice dams. The combination of snow on your roof, the freezing temperatures, and heat escaping from your home can create chunks of ice along edges of your roof. This prevents melted snow from draining off. The backup of water created can then leak into the home and cause significant damage.

Snow, ice, hail, frigid temperatures. Winter is here. To keep you and your family safe this winter, it is important to make sure you and your car are ready for winter driving.

As winter weather approaches, you may start to turn to alternative heat sources in your home such as fireplaces and space heaters. They will keep your warm and toasty, and they may even help keep your heating bill down, but these devices also put your home at risk.

Tweet, retweet, hashtag. This could sound like a foreign language to you. But most likely you have at least heard these terms in some context since there are over 271 million active monthly Twitter users.

Twitter is not for everyone. It is a fast-paced social network and has its own world of terminology, but it can offer immense resources for you and your brand. Take some time to determine if Twitter is right for you. 

If you’ve decided to give Twitter a try, the following are tips for you to consider.

500 million Tweets are sent each day. That’s a lot of conversation. Should you be a part of it?

Twitter can be a useful social network for companies and individuals. It provides opportunities for brand building, brand awareness, customer service, driving website traffic, content sharing, and more. But how do you know if it is the right social media platform for you and/or your company?

You often hear insurance commercials touting all sorts of discounts – good student discounts, safe driver discounts, multi-policy discounts, and the list goes on. Sometimes it can seem quite overwhelming. Which discounts are you eligible for on your automobile coverage? What about your homeowners policy? Are you missing out on some credits? Would you qualify for additional credits if you added some simple devices to your home or car?

Employee Engagement. Company Culture. Establishing a positive company culture matters. A company’s culture can be an incredible asset…but if not given the proper attention, it can become your greatest risk.

Culture is the values, beliefs, and the norms of a company. It’s not your policies and procedures; it’s the way you do things. It has many facets. Safety, employee wellness, employee wellbeing, and even the overall organizational health. And in order to establish a positive culture, you must engage your company leaders AND your employees.