When it comes to personal insurance, most people are familiar with their auto, homeowners, or renters policies. However, fewer may be aware of umbrella insurance-a type of coverage that goes beyond the limits of your...

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The time change is just a couple weeks away – are you ready to “fall back” on November 3? The return to Standard Time (after many months of Daylight Saving Time) may not be as difficult for you to get through as “...

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Disasters don't plan ahead ... but you can! And there’s no better time than September –National Preparedness Month – to get started. No matter where you live, you are subject to disasters, whether natural or instigated...

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Riding a motorcycle offers an unparalleled sense of freedom and excitement, but it also comes with its share of risks. To ensure safety on the road, it's crucial for motorcyclists to invest in proper safety gear. From...

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A dog can be a fantastic addition to a family – but Fido can also expose that family to substantial liability risk. Did you know that about 4.5 million people are bitten by dogs each year? And did you know that if a...

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Starting a new journey together as newlyweds is an exciting time filled with hopes, dreams, and plans for the future. Amidst the whirlwind of changes, it’s crucial not to overlook the practical aspects of merging your...

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Today is World Conservation Day – a big-picture observance. And the impact can make a big-time difference to your home’s value, the way you run it -- and how much you pay to do it! Here are some suggestions for...

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Renovating your home can be an exciting journey, transforming your living space into the dream dwelling you've always wanted. However, amidst the excitement, it's crucial to undertake precautions to avoid common...

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House-hunting is a challenge – but once you find the place that suits you just right, you’re not finished! You also have to obtain homeowners insurance that’s a perfect fit for your place – and your family. Here are a...

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Taking care of fire safety at home is a key part of managing your household. Each year, fires in residential areas cause significant property damage. However, many of these incidents may be prevented with the right...

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You already know that your employees are the asset in which your business invests the most – and, of course, you want to protect that investment! You want to keep workers safe on the job, but what about staying healthy?...

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As parents, the safety of our teenage drivers is paramount. With road accidents constituting a significant risk for young drivers, leveraging technology to enhance their safety isn't just smart; it's essential....

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No, that’s not a typo! You call 911 in case of an emergency – but you need to call 811 before you start to dig. Why is that? Well, for your own safety, and for the safety of the utility lines in your community. Did you...

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In the aftermath of an unexpected event, such as a fire, theft, or natural disaster, having a comprehensive home inventory can be a lifeline. This detailed list of your possessions not only aids in the homeowner...

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Here’s a fact to shock your senses: the average household’s leaks can account for more than 10,000 gallons of water wasted every year. That’s equivalent to the amount of water needed to wash 270 loads of laundry. Now...

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Owning a boat can make weekends and vacations fun and memorable. Follow these tips to help ensure that when you’re towing your boat you’re being as safe as possible to lower the risk of accidents and unwanted insurance...

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The minimum wage has been a hot topic for quite some time, with workers’ rights advocates calling for raises in the minimum wage, and business owners complaining that the proposed increases will make it difficult to...

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If you’re planning a home improvement project, you probably have many contractors available to choose from. How do you pick the right one that will get the job done safely and without liability issues? Follow these tips....

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When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations...

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If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their...

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The holidays are just around the corner! That means special foods, visits with loved ones, gifts and treats – and increased safety risks. Here’s why: Thanksgiving is the peak day for home cooking fires with more than...

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Your boat is an investment that gives you tons of fun all summer long. But come the cold weather months, you want to make sure it’s properly winterized before you store it, so it’s protected from weather and other...

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If you think Halloween is one of the funnest times of the year ... we’re right there with you! But as you’re decorating with spooky creatures and flashing lights, preparing for trick-or-treaters, and getting into the...

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Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer...

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Sometimes it seems as though workers comp fraud is the only reason we ever talk about workers comp. Healthcare providers may join together in a scheme to be reimbursed for unnecessary treatments. Consumers may concoct...

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If you’re on the fence about renting or owning a home, here’s a helpful look at the upsides of each option. Remember to get the right insurance when you make your choice, so your property is fully protected. The...

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Whether you’re driving your college freshman to his or her new campus, heading out on one more roadtrip before the end of summer, or just trying to help your car make it through the long, hot summer, being out on the...

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If you want to reduce your risk of traffic accidents and the insurance claims that accompany them - which could cause your premium to go up - you need to drive defensively. Here are some driving tips to help you avoid...

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Summer is here! That means it’s time for barbecues, swim parties, and road trips! How can you get the most out of the season -- safely? These tips will help! Grill Safety Cook food thoroughly. Steaks, chops and roasts (...

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If you’re house hunting, you’re probably looking at many elements like the number of bedrooms or how updated the kitchen is. Don’t forget to check for these things too, which which may help avoid home insurance claims...

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Did you know that cigarette smoking causes about 20 percent of the deaths in the United States? And those people aren’t all smokers: secondhand smoke can result in death, too. Life expectancy for smokers is a decade...

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Many insurance carriers today offer smartphone apps that track telematics to monitor driving. Here’s how they work and how these apps may help you lower your auto insurance premium, along with a few other advantages. ...

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Did you know that electrocutions are the fourth leading cause of death among US construction workers? And the reason for that varies, depending on the worker’s specialty. Among electricians, the most serious concern is...

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Water has been in short supply in many areas of the United States lately. And even if it’s bountiful where you live, you may be paying more for water than you’d like. Here are some tips for using less water and saving...

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We all rely on our vehicles. They take us where we need to go-and where we want to go. They’re a way many of us express our personalities. And they can be a key part of our lifestyle. So it’s obvious that none of us...

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Your auto insurance is one of the most important elements of your personal insurance portfolio. But some people purchase only the minimum required liability coverage, not realizing they may be leaving themselves open to...

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This weekend we spring forward (in most states, anyway: we’re not talking to you, Arizona and Hawaii!). That means daylight will last later in the day-and the days will start to get longer. Spring is around the corner,...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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People run organizations-and that makes them vulnerable to risks. What sort of risks? In today’s litigious society, it’s not hard to imagine: a disgruntled employee might sue a supervisor and the company for wrongful...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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Happy 2023 and Happy Get Organized Month to you! Most of us start a new year with great intentions. We’re going to get healthier in every possible way: physically, financially, you name it. But before you know it, our...

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It seems like every day on the news that we hear stories about a hurricane, flood, or wildfire creating massive damage in the U.S. and putting people out of their homes. Have you thought about how your family would...

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It just doesn’t seem right that burglaries spike around the holidays-but it does make a horrible sort of sense. All that gift-giving means that many people have tempting new goodies; and all that travel to see loved...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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Lights are going up, carols are playing on the radio, and since early November, Black Friday sale promises have been publicized: it’s holiday shopping season! While you’re bargain-hunting, though, you need to focus on...

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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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Look, if you live in California, you know that earthquakes come with the territory. Right? But what you may not know is exactly how big a risk earthquakes pose to the Golden State. The fact is, California carries an...

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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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Crime Prevention Month is coming up fast, so it’s a great time to bring up a not-so-great topic: theft from construction sites. It’s a big problem-and by that, we mean it’s an expensive one. According to the National...

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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Sometimes it seems as though workers comp fraud is the only reason we ever talk about workers comp. Healthcare providers may join together in a scheme to be reimbursed for unnecessary treatments. Consumers may concoct...

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Grilling food is a fun pastime, and it’s ideal on those summer days when you don’t want to heat up the kitchen. But every year, there are accidents and home fires because people don’t grill safely. Follow these tips to...

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At any given moment of the day, about 660,000 drivers are using cell phones or devices while driving in the United States. And it’s become an epidemic that’s bad for our health. More than 3,100 people were killed and...

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No one likes the thought of having pests in their home, whether they be rodents, cockroaches, ants, or any other common household pests. If pest activity is common in your area, it is important to take steps to prevent...

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California’s ongoing drought and resulting water restrictions are at the forefront of many minds, as property owners strive to reduce their water usage. Of course, reducing water usage isn’t only legally required and...

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Summer is just around the corner-but in sunny SoCal, high temperatures don’t always depend on what page of the calendar we’re on! And that means that whatever the season, we need to be aware of the symptoms of heat-...

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You've worked hard to create a beautiful garden for your yard, but there is more to yard maintenance than simply mowing the lawn and watering the plants. There are plenty of other tasks you'll need to complete in order...

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Have you considered becoming an Airbnb host or an Uber driver? Developments in technology and the sharing economy are creating new opportunities-but what many people don’t realize is that these opportunities are not...

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Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew...

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People run organizations-and that makes them vulnerable to risks. What sort of risks? In today’s litigious society, it’s not hard to imagine: a disgruntled employee might sue a supervisor and the company for wrongful...

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“Green” construction is no trend: it’s an industry-wide shift, and it’s here to stay. So in honor of Earth Day (April 22, if you want to celebrate it with your team!), we’d like to highlight some green construction...

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Spring is a common time for people to take on all of the cleaning tasks that they put off during the winter. With the weather getting warmer, it's the perfect time to tackle jobs both inside and outside your home. While...

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Spring cleaning may get all the publicity-but spring maintenance may be even more important. Longer, sunnier days provide a great opportunity to take care of tasks you may have let slide, ensuring your home’s safety-and...

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So you have a successful business, and believe it’s a great fit for the franchise model. You may be right-but before you decide to take the plunge into franchisor-hood, there is a very important point that you need to...

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You may not give the windows on your home much thought, but they can actually make a big difference not just in your comfort level, but also in the value of your home. You'll have a wide range of options to choose from,...

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People run organizations-and that makes them vulnerable to risks. What sort of risks? In today’s litigious society, it’s not hard to imagine: a disgruntled employee might sue a supervisor and the company for wrongful...

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You can’t control the rainfall, you can't prevent the spring thaw, and you can’t stop a flash flood-but there are a number of steps you can take to help protect your business from flood damage. Walk your property. Do...

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If you're like most people, you like to keep your home at a comfortable temperature throughout the year. However, running your heater or air conditioner constantly uses a lot of energy, and your electric and gas bills...

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A black belt may make you feel invincible-but a back belt should not. The National Institute for Occupational Safety and Health conducted an extensive study finding insufficient scientific evidence that back belts...

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It's a new year. It's a fresh start. It's Get Organized Month. There couldn't be a better time for you to finally put together those emergency kits you've been meaning to get to--and we have just the tips you'll need to...

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Today's modern appliances are much more energy-efficient than their predecessors, and some are even better than the rest. When shopping for appliances, you'll likely be overwhelmed by choice, so it is important to know...

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In life, you’ve got to expect the unexpected-and that’s the whole reason insurance exists! From storm damage to a multi-car accident to a guest slipping and falling on your patio, insurance can come to your rescue. But...

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Temperatures are starting to dip. Have you taken steps to ensure that your HVAC system is in good health, and can keep you at a comfortable temperature no matter the season? If you haven't... it's not too late to start!...

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Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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How familiar are you with hazardous chemical safety practices? How many do you implement around the house? It may be a surprising question, but the fact is that the chemicals you have around the house-solvents, cleaners,...

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In 2019, more 36,000 people died in car crashes. Even one fatality is too many-especially when you consider how preventable car crash fatality really is. Defensive driving, using seatbelts, correct installation of...

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No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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In life, you’ve got to expect the unexpected-and that’s the whole reason insurance exists! From storm damage to a multi-car accident to a guest slipping and falling on your patio, insurance can come to your rescue. But...

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Your mortgage lender may have required you to obtain homeowners insurance-but it’s up to you to make sure you get the most out of your policy! The first step is understanding what exactly it covers-and what it doesn’t....

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Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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Fatal work injuries involving land transportation incidents make up more than a quarter of work-related deaths in 2019. In that year alone, 1270 U.S. workers died in work-related roadway incidents. Across the nation, 36,...

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Everyone in the industry knows it: construction is a risk-filled field to work in. Falls from height, transportation-related incidents, electrocution-heck, not every industry has a short list of the most fatal risks its...

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When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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It’s every business-owner’s goal to hire qualified, enthusiastic people who are invested in the company’s success. And many business-owners pride themselves on the wonderful team they have gathered to help propel the...

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In 2019, 880 workers died in falls, and 244,000 were injured badly enough to require days off of work. A worker doesn't have fall from a high level to suffer fatal injuries; 146 workers were killed in falls on the same...

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More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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At its heart, a winery operation is about equipment-and not only the fermentation tanks and bottling lines. From farm equipment like tractors and grape pickers, to contractors’ equipment, to vehicles ranging from cars...

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It's not news that who you hire has a significant impact on the success of your brewery. But what may not have occurred to you is that who you hire can also impact the cost of your workers’ compensation insurance. While...

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Summer is here and people are flocking to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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A remodel can be a great investment, adding value to your home. But that also means that the cost to replace your home, should it be destroyed, would be greater-and you’ll need to increase your homeowners insurance. On...

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From the warehouse and the inventory in it, to products shipping to their destination, to the employees who staff the workhouse and deliver the products, wholesalers and distributors have a unique business operation-and...

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In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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No one-besides insurance agents-really likes to talk about insurance. It’s okay, we know it’s true! But we also know that insurance is absolutely vital to your success as a contractor... and we know you realize that as...

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Across the country, restaurants are attempting to resume normal operations-although the pace of that effort varies according to the state in which the restaurant is located. Your restaurant may have been serving dine-in...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Whether you’re an independent web developer or IT consultant, or a telecom or programming company with hundreds of employees, it must be admitted: your technological expertise does not exempt you from technological...

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When it comes to health issues, liability is a huge concern. That’s why it’s so important for life sciences companies to have the right insurance coverage in place. What if a participant in a clinical trial of your drug...

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Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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Steel fabricators and other types of metal manufacturers rely on large, expensive equipment to get the job done-which makes the right insurance for that equipment absolutely vital. The right policy can help you recover...

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We live in a litigious society. What does that mean for your metal manufacturing business? It means, of course, that you need to take every precaution to prevent potential lawsuits. But it also means that you must have...

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Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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Workers’ compensation exists to protect workers. Most states require companies to cover employees with workers’ comp. In California, for instance, even a business with only one employee must carry workers’ comp. What is...

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In 2017, nearly 21 million pounds of beef, pork, poultry, and fish were recalled--a big hit to the manufacturers of those products. If your food manufacturing business were forced to recall a product because of spoilage...

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If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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We know, we know--insurance isn't your favorite subject of conversation. But the right insurance coverage is key to your long-term financial health--and the start of the new year is the perfect time to review your...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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It’s that time of year: looking back on lessons learned in the preceding months, and planning ahead for an even more successful new year. That means it’s the perfect time of year to review your commercial insurance...

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Unless you’re headed to a warmer climate for the winter - or you live in one already - fall is the time to start preparing your RV for winter (as long as you’re done using it for a while, that is). And just because you...

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Interested in saving your construction business some major expenses? Step no. one: keep accurate, honest employee classification records and payroll records for your employees. Here’s a cautionary tale to prove the...

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Fall is a wonderful time - if your home is ready for it. So enjoy the last few weeks of warmer weather, but do a little preventative maintenance while you’re at it. You’ll fix small problems before they become big, and...

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Safety is always top of mind when Halloween rolls around-and this year, that safety focus is only heightened. Many families are likely to bypass traditional Halloween activities due to the pandemic-and, perhaps, they...

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We’re not quite sure where summer went, but if you haven’t noticed, the new school year is upon us. And as you get your kids organized and ready, consider doing the same thing for something else - your home. It won’t...

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The earthquake that jolted Southern California this weekend provides an important reminder that earthquake preparedness is vitally important--and not just in California! Earthquakes occur in every single state in the...

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What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use...

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August is National Wellness Month-and never has there been an August when a focus on self-care, stress relief, and healthy routines was more necessary! As the world continues to deal with the challenges of COVID-19, we...

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Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially...

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Summer is a great time to go for a bike ride-which makes it a great time for some bike safety reminders! Wear a helmet. When you’re balancing high up on two wheels, it’s unfortunately all too easy to take a tumble-and...

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It doesn’t take a massive remodel, or a big budget, to make your house feel a little more like home to you. Inside or out, small improvements can make a significant difference - and whether you’re handy or not, you can...

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Summer’s unofficial start will soon become official-and that usually means it’s time for lots of outdoor activities and relaxation. You may wonder if precautions surrounding the coronavirus pandemic may change what you...

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Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off...

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It’s the perfect time of year to take your boat out on the water-and after a couple months of quarantine, water recreation has never seemed so delightful! That being said, boaters need to focus on safety now more than...

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A safe home, a regular routine, a soft bed – the things that bring you comfort bring your pet comfort, too. It’s so important to give some advance thought to how you’d handle your pet responsibilities during and after a...

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April is National Garden Month, and never has there been a better April for you to dig in and make your garden dreams a reality. With many of us sheltering at home, we have time and energy to focus on that garden...

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Let’s spare a moment for something most of us use every day yet probably take for granted: our service lines. We rely on them for access to water, electricity, gas, Internet connection, and more, but only think about...

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The coronavirus pandemic has impacted every area of life, and perhaps none more intensely than the workplace. Employees have been divided into essential and non-essential. Workers who never telecommuted before are...

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Carrying a minimum amount of auto insurance is required by state laws, so you can’t legally drive without it. Yet while the minimum amount keeps your premiums lower, it can also put you at great risk if you have an...

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What’s the hottest home-centered trend these days? It just might be decluttering. A quick Google search for the term “decluttering tips” will present you with more than 8 million results. Search Amazon.com for “...

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Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO...

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It’s the most wonderful time of the year: snowmobiling season! This exhilarating activity can be the highlight of your winter... and one of the biggest risks you face all season. Do you know how to stay safe while you’...

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If you’ve ever been stuck on the side of the highway with an RV issue, you know what a life saver roadside assistance can be. Whether you need a battery charged, a tire changed, or a tow you’re often back on the road in...

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What are your goals for 2020? How will you achieve them? Now’s the time to start planning the steps you need to take to get where you want to go! Owning a Home - Have you been saving up that down payment, hoping that...

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The collector car market evolves with each generation. While the Silent Generation started collecting cars, it was Baby Boomers who really got it rolling. They fell in love with the Chevrolet Bel Air, the Ford Mustang,...

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Many of us look forward to the holidays, and all the joys they bring: gathering with family and friends, enjoying wonderful meals and holiday treats, the decorations, the gifts, and on and on. But those same joys can be...

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Decluttering is having a moment these days. Organizing guru Marie Kondo has her own show on Netflix, people everywhere are going through their things and asking, “Does this bring me joy?” and many are even exploring the...

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If you have a teen driver (or younger-than-teen kids who will, one day, be teen drivers), then you might already know that this week we observe Teen Driver Safety Week. (Or maybe you’re surprised that there’s only one...

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Fall is here, and there are still plenty of motorcycles on the road. And the key word here is “see.” People driving cars and trucks often fail to notice the motorcyclists around them, partly because they’re not...

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The temperatures are still high, but that doesn’t change the fact that Sept. 23 is the first day of autumn! The change of seasons is a great time to tackle chores and home maintenance tasks to make sure your home is...

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Group riding is a favorite activity among many motorcycle riders. Whether you’re part of a riding club, a social event, a charity ride, or out for a leisurely cruise with friends, group riding can be a rewarding way to...

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Happy Back to School Month! As you prepare your kids to hit the books for another year, you also need to prepare yourself-and your household-for changing gears. For instance, it helps everyone if the kids are accustomed...

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There’s perhaps no organizing task more daunting than the garage-it’s often the dumping ground for the stuff that has no other place in the house, or the things you don’t use but just can’t bring yourself to toss. How...

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Watering your lawn and garden is more important during the hottest months of the year than at any other time... which is probably why July is Smart Irrigation Month! For Californians, smart irrigation has been top of...

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Summer is here, which means it’s time to think about family vacations! (If you haven’t been thinking about them all year, that is.) The family part of family vacations, however, can make things a little complicated. You...

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We all know we should have an emergency kit ready to go if disaster strikes. But what many of us may not think about is that our pets need to have one, too. June is National Pet Preparedness Month, which makes it a...

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With spring in full bloom and summer just on the horizon, prime boating season is upon us. And you might notice more people on the water than ever, because sales of recreational boats have been growing at a steady clip...

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The only thing separating your car-and everything inside it-from the road is your tires. So take a little inspiration from National Tire Safety Week (which starts today!) and take these simple steps to ensure your...

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April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”...

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When’s the last time you jammed your finger? Cut it on something sharp? Caught it in a drawer or a piece of equipment? No one should take occupational hand injuries lightly. They are among the most common in the US...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Attn small business owners: we want to wish you a very happy Mom and Pop Business Owners Day! This observance occurs every March, and is a great opportunity for your communities (and your customers!) to show you their...

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Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”-night watchmen who would literally walk around and check doors to make sure they were...

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According to the National Alliance for Caregiving, nearly 66 million Americans serve as family caregivers for an ill or disabled relative. On average, family caregivers provide 39.2 hours of care a week, which is...

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Whether it’s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life. However, many people who find themselves victimized by burglars—or a fire or some other...

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Most of us don’t think about it too often... but the fact is, our homes are filled with dangerous chemicals. If that startles you, just take a minute to think about the cleaners, insecticides, herbicides, and solvents...

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Drafty windows. Leaky faucets. Dirty air filters. All are common issues in homes across the country, and they’re not just annoying-they also cost you money in decreased energy efficiency and higher bills. The U.S....

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It’s the holiday season-and that means it’s time for holiday parties to celebrate friends, loved ones, and the most wonderful time of the year. But if you’re planning a holiday party, be aware that you may inadvertently...

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You’re not just imagining it—a lot of people are traveling with their pets these days. According to a TripAdvisor survey of more than 1,000 travelers, 53% of those responding said they take their pets on vacation, and...

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The United States will celebrate Small Business Saturday on Nov. 24 this year-but Beall Financial and Insurance Services doesn’t want to wait. After all, we celebrate and support small businesses every day of the year!...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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There’s no place like home... for putting your eyes at risk. Your eyes are vital organs-and it’s not unusual for them to be exposed to risk of foreign objects, cuts or abrasions, or other injury. But when you are...

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Online data breaches are just an unfortunate fact of life now-as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we...

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What is the state of California workers comp? In case you haven’t waded through the Workers Compensation Insurance Rating Bureau of California’s recent report, we’ll share some of the highlights that may be of...

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For many of our neighbors, summer means more than sunshine and vacations. It also means working in the yard – often with tools that can be dangerous if not used properly. Each year about 400,000 people are treated for...

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We’re right in the middle of a long, hot summer-but it’s not too late to make sure it’s a safe, healthy summer, too! Heat-related illness is a very real risk facing workers throughout the year-but, of course, especially...

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Did you know that hundreds of thousands of people in the United States commute to work by bicycle, according to the U.S. Census Bureau? That’s a lot of cars off the road each day, a lot of gasoline saved and a ton of...

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Hearing loss is a big problem-particularly for US employers. Did you know that hearing loss is the second most reported occupational illness in the country? (Only musculoskeletal disorders are reported more frequently.)...

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If you own a boat (or better yet, as the joke goes, you know someone with a boat), you’ve probably thought about spending some evenings on the water - especially in the summertime. It’s a great thought, of course. But,...

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Spring is the season for home improvement projects-and you can probably see that in your very own neighborhood! It’s the time of year when homeowners upgrade their gardens, unleash their savings on bathroom and kitchen...

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Summer’s almost here. The sun will come out of hiding, and people will, too. As crowds swell at the beach, in parks, and even on roadways, it all makes for some challenging driving conditions. More people are out and...

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Spring is here, and it’s a great time of year to set some healthy new habits-especially during Mental Health Month! Keep a gratitude journal. Make note of three things that occurred earlier in the day for which you’re...

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As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s your homeowners insurance policy, and it protects you in more...

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Spring has sprung! Flowers are blooming, the weather is warming, and all across the country, homeowners are attacking their spring cleaning chores. They’re called “chores” for a reason: maintenance tasks aren’t exactly...

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You probably don’t think your dog would ever bite someone, let alone cause a serious injury. But dog bites are more common than you might realize-4.5 million occur every year in the U.S., according to the Centers for...

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The third week in March brings with it the official start of spring-and, not coincidentally, the observance of Poison Prevention Week. It’s an unhappy fact that poison surrounds us, and poisonings are not confined to...

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Every year, according to the Centers for Disease Control and Prevention, hundreds of people in the U.S. die from carbon-monoxide (CO) poisoning-and the invisible, odorless gas sickens thousands more. The numbers seem...

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A new year is full of fresh optimism about fresh starts-whether you are striving to achieve a new career goal, finally complete that home improvement project, or develop (and maintain!) some new healthy habits. But...

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A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason you treasure a piece of fine jewelry is a reason it should be insured. However, calling...

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2017 was a year of natural challenges-from the hurricanes in the South to California’s wildfires and ensuing mudslides. Natural disasters are a fact of life, and most of them are impossible for us to prevent. But there...

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You’ve heard all the talk about driverless cars - but unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone)....

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It’s the most wonderful time of the year-unless you fall prey to one of the many perils unique to the holiday season! It’s no joke: while holiday decorations, parties, and gifts all contribute to make this the happ-...

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From building materials to furnishings, many of the things in your home likely aren’t as flame-resistant as those from yesteryear. A fire in a modern home is a “perfect storm,” according to safety consulting and...

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Organizations worldwide lose an estimated 5 percent of their annual revenues to fraud, according to the 2016 ACFE Report to the Nations on Occupational Fraud and Abuse. The median loss per fraud cause is $145,000. More...

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It’s easy to lower your insurance costs - especially if you have a great driving record, or don’t mind having higher deductibles. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad...

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How to make sure your Halloween is all treats and no tricks? A good place to start is following these Halloween safety tips! They’ll help protect visitors to your home-and help prevent any resulting liability claims,...

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One of the most certain things in life is uncertainty. Your dog could bite the neighbor’s kid. Your teen driver could hit a cyclist. A guest could fall down your stairs. A rainy morning commute on worn-out tires could...

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Did you know that 40,000 pints of blood are needed every single day? And did you know that you and your organization could help contribute to that large bottom line? It doesn’t take much time or energy to organize a...

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That oh-so-covetable experience of taking a dip in your very own pool? Millions of American households enjoy it, at least when the weather’s nice. With the summer heat ratcheting up, you may be coming down with a...

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Every workplace exposes its workers to certain risks. Heck, even an accountant is at risk for musculoskeletal disorders from repetitive motions-using that adding machine and filling out spreadsheets! While not every...

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As a busy homeowner, it's easy to fall into the trap of pushing off tasks that maintain the long-term value of your home in favor of more pressing problems. That’s OK, to a point, as certain house-cleaning projects...

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Yes, this is the month we celebrate our nation’s independence. But there’s another commemoration in July that you may be less familiar with. This is Disaster Education and Awareness Month. Okay, we get it: talking about...

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Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life in many...

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It’s official: summer is here! And that means it’s time for barbecues, swim parties, and road trips. It’s also time for food poisoning, injuries, and car trouble. How can you get the most out of the season, without...

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Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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We all want to be healthy and fit, right? But we don’t always want to put the work into getting that way! That’s where May can really play an important role. This month just happens to be National Physical Fitness and...

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Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t...

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Does your job (or your manager, or your colleague, or your commute) stress you out? Odds are, you’re thinking, “That’s a dumb question!” After all, the American Institute of Stress points out that work leads the pack...

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In today’s economy, everyone is pinching pennies. So why worry about umbrella coverage? Shouldn’t a home and auto policy leave you adequately covered? Unfortunately, we live in a world of lawsuits. Large damages can be...

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Spring has sprung and the hills are alive with beautiful flowers. In other words, it’s the most miserable time of the year for those of us with seasonal allergies. As trees, flowers, and grasses release pollen to...

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Talking to Your Teen About Safe Driving When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up:Car...

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Are you looking for a team-building project to draw your workers closer together? Do you have hopes of making 2017 your company’s most productive and profitable year yet? Well, February is the month you can start to...

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You’ve heard all the talk about driverless cars. Yet we’re still years away from living in a world where you can just tell your car where to go and then kick back and relax with a book or your phone. Even still,...

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Happy New Year and Happy Get Organized Month! Is there a better time of year to focus on getting your ducks in a row? You’re resolved to make this a great year—and we’re resolved to help you do it! Here are a few points...

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No matter how safe you are behind the wheel, you’ve probably done things like: Shift into drive while the car is still rolling backward. Ride the brakes on steep hills. Roll into the gas station on empty. Guilty? If so,...

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Every employer wants to reduce worker injury. It’s the right thing to do—helping to protect the people who work for your company. And it’s the smart thing to do—reducing medical and workers compensation expenses, lost...

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It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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The holiday season is almost upon us! It’s just about time for cookies and eggnog, for parties and gift exchanges, for goodwill toward men—and for the holiday blues. Pressure to create the perfect holiday environment,...

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Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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From business owners to managers, leadership strives to build talented teams to help ensure the success of the organization. And certainly no one wants to consider the potential of dishonest team-members! But employee...

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It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Have you ever Ubered (or Lyfted)? Airbnb’d? Have you thought about participating in the sharing economy from the service provider side? Chances are good that you’ve had experience with a hosting or ridesharing service...

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Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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As of July 6, more than 1100 cases of Zika had been reported in the United States, about 40 percent of them in Florida and New York. Don’t panic: all those patients recovered. But the fact is, Zika cases are on the rise,...

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When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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As the saying goes, "It takes a village to raise a child." In business, we could say, "It takes a team to build an organization." For-profit companies may have a board of directors. Nonprofit organizations may have a...

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The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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It's getting to be that time of year. Soon the news will be filled with lists of heat stroke symptoms, the dangers of leaving a baby or a pet in a locked car, and other summer weather warnings. It happens every summer-...

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Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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Would you like to prevent worker injury and fatality at your company? Okay, silly question. Every business owner/ operator, manager or supervisor wants to ensure the safety of the workforce. And, obviously, workers...

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A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Our smartphones have made us multitaskers-or at least, we like to think so! We may scroll through headlines or social media accounts while watching TV. We are able to stay in touch with family throughout the workday....

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It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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The eyes may be the windows to the soul-but they're also an area of the body that is seriously vulnerable to threats in the workplace. In fact, each day about 2,000 workers sustain work-related eye injuries severe...

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What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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In February, we can't help but think of hearts and flowers and chocolates and Cupid. After all, Valentine's Day is right in the middle of the month! But there's another good reason to think of hearts this month: it's...

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Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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Attn. business owners: OSHA penalties are going up-and that could spell problems for your company. It's been 25 years since the Occupational Safety and Health Administration has increased its penalties to account for...

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About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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Q: What is the number one natural disaster in the United States? A. Flood. Surprised? Don't be. Worldwide, flood accounts for a mind-boggling 40 percent of natural disasters. And though there are certainly areas at...

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It's not unusual, when you set out on that holiday trip, to look back at the house a little nervously. Sure, you remembered to lock the doors, but just how secure are things? What might happen while you're away?One way...

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Thanksgiving is almost here-and that means that holidays are coming up fast. The shopping season is already underway, and people are already hoping and planning for great bargains on Black Friday and Cyber Monday. We're...

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It's become almost as much a part of Thanksgiving as turkey and football: Black Friday, the morning-after (or in some cases evening-after) shopping spree. It's the biggest shopping day of the year, an event in its own...

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It's that time of year: the leaves are changing color, pumpkins are on porches and in front windows, and we're all turning our thoughts to cyber security. After all, October is National Cyber Security Awareness Month!...

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Fall brings more than just changing leaves and shorter days. In many areas, it also comes with a shift in weather conditions that can have a serious impact on your home. And, don’t forget, winter is right around the...

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This month, the season changes to autumn (Sept. 23, to be exact). Days will start to shorten, nights will lengthen, and (though there may be a heat wave or two in the interim), the temperatures will start to go down....

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It's back-to-school time, and, if you have school-age children, your household is likely bustling with activity and filling up with books and backpacks. There are other households and school districts in your community,...

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They say that lightning never strikes twice. Well, they're wrong. And even if they were right, one strike is enough! Every year, lightning causes injury and even death-and August is the month with the third highest...

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Two thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total of $11 billion each year running them. Our guess is that most of those households (which may...

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Grilling season might have kicked off back in May, with Memorial Day, but with the long summer days, kitchens too warm for cooking, and the Fourth of July weekend, it's official: it's time to grill. Unfortunately,...

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Memorial Day might be the unofficial start of summer, but Independence Day is when the season truly kicks into high gear. July 4 is a holiday that has something for everyone, whether you like to host (or attend)...

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Telecommuting may seem like the answer to everyone's challenges-employee and employer alike. Working from home, the employee cuts out the time, expense, and aggravation of a lengthy commute. The distraction of colleague...

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There are plenty of great reasons to bike to work: Commuters who ride save money on gas and car insurance, stay fit and help the environment (they don’t get stuck in traffic, either). And they even have fun — as long as...

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Q. What commonplace incident is one of the top three causes of death in American workplaces? A. Falls. Yes, we're serious. Falling is one of the leading causes of on-the-job death for American workers. Falls on the same...

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Spring is here, and you’re ready to get out on the water. But is your boat ready? Even if you’ve kept it properly stored for the winter and protected from the elements, there are still a number of things you need to do...

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California is in a state of emergency. The ongoing drought has led to mandatory water reductions and, more recently, new water appliance standards that are expected to save 10 billion gallons of water in the first year...

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Spring is a time for rejuvenation, and, as the weather gets warmer here in Redlands, California, and the days grow longer, there's a positive energy in the air. Many people decide it's the perfect time for reorganizing...

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Spring has sprung! The birds are singing, the flowers are blooming, and mold may be growing where you least expect it. Springtime rain showers, morning dew, and snowmelt are all signs of the changing of the seasons-and...

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From genetically modified crops to the environmental and health effects of pesticides, more and more California residents are questioning whether they should grow what they eat. Wherever you stand on the issues...

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Your roof covers your home-but does your homeowners insurance cover your roof? Short answer: it depends. The area where you live, the age of your roof, and a number of other factors can impact whether your roof is...

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Slippery sidewalks. Freezing temperatures. Power outages. Winter isn't always a wonderland. If you regularly lend a hand to a senior friend or family member here in California, it may be a good time of the year to...

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January is Get Organized Month-and there's no better way to get organized in case of a disaster than making a home inventory. Of course, we also hope that you practice safety measures that will protect your home from...

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It's easy to forget about your tires when it comes to vehicle safety. But with winter weather already in many parts of the country, tires are an important aspect you should keep in mind. Your tires can be the difference...

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Hosting an office party to celebrate the holidays is a great idea-but it requires plenty of planning to ensure that the celebration falls under the heading of "nice" rather than "naughty." Holding an office party with...

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As a nation, our pets are like family, so let's make sure they enjoy the holidays with us while staying safe. As a general rule of thumb, always keep pets on a regular routine, even during the holiday season. Don't let...

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Is there a downside to a home renovation project? (Beside the mess and the expense, we mean!) Well, yes and no. After all, most home renovations add value to your home-and that means that the cost to replace your home,...

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The holidays can be a great time to get out of town to visit family you rarely get to see, hit the slopes or flee to the beach. Regardless of how you spend your time away, you need to ensure your house stays safe while...

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October is National Cyber Security Awareness Month, a great time to review and refresh cyber security policies and procedures on the job-and at home. While 66 percent of small business owners say they are not concerned ...

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If you own a boat (or better yet, as the joke goes, you know someone who does), you've probably thought about spending some evenings on the water - especially in the summertime. It's a great thought, of course. But,...

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September is National Preparedness Month-a great time to put together an emergency kit, establish a system for alerting family, employees, and customers in the event of a disaster, and developing a contingency plan to...

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Yes, it's already time to start thinking about school again. Getting a head start can pay big dividends for you and your kids as they head back to class. But, it's not just what they need for school that matters. It's...

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You Like us-you really Like us! Late last year, Beall Financial and Insurance Services launched Facebook and Twitter accounts-along with this blog-in an effort to communicate even better and more frequently with our...

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In 1984, National Night Out - "America's Night Out Against Crime" - began as a way to promote crime prevention through neighborhood camaraderie. Since then, according to the National Association of Town Watch (NATW),...

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Wildfire season is well underway-and not just here in California. As we write this, a fire four times the size of Seattle is raging in Washington state. It's definitely not too late to follow our fireproofing tips to...

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"Reduce, reuse, recycle." Most likely, you've heard that catchy phrase connected with information about saving natural resources and even saving your family money. But how many of us really make reducing, reusing and...

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Not a summer goes by without devastating news stories about injury or death in a swimming pool. In fact, the U.S. Consumer Product Safety Commission estimates that about 300 children younger than 5 drown in swimming...

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If you're like most people, there are certain items you own that you can't imagine ever losing - possessions you deeply cherish or those that would be impossible to replace due to the cost of re-purchasing them or...

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So far this spring has seen earthquakes in California, flood warnings on the East Coast, drought in Idaho, and tornadoes across the South. Natural disasters are a fact of life-but there is plenty you can do to prepare...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Beall Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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Spring is barely underway, but fire season has been running for months. According to a recent article, California's state firefighting agency has responded to more than 800 wildfires since New Year's Day; in an average...

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While fall and winter have their own pleasures, longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23%...

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Spring is well underway, and it won't be long before air conditioners are running-and breaking down-all across the country. How can you extend the life of your air conditioner, and preserve your comfort during summer...

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Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it's home improvement...

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Southern California was recently attacked by a fierce winter rainstorm that drove some area residents from their homes and filled streets all across the region with mud and debris. Now that the storm is over, it's the...

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Most people would say their car is one of the most valuable assets they own – if not the most valuable. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At Beall...

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It's not every day that you get to combine one of your favorite hobbies with one of your favorite causes-but for Beall Financial and Insurance Services, the Chubb Charity Challenge provides exactly that opportunity. In...

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Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself...

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Winter brings with it a host of challenges for owners of homes and businesses; even in SoCal, this winter has brought frost on the roofs and temperatures dipping into the 30s. How can you keep your home and office safe...

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For craft breweries, bigger often seems like it's better. Bigger production facilities mean more beer to sell; bigger tasting rooms can mean more local sales; and greater distribution can lead to more sales and brand...

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There's nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles - like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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