The winter months bring more than just cold weather and shorter days; they bring the possibility for winter storms that may result in a snow- and ice-covered landscape. While it may be a winter wonderland for some, as a property manager, snow and ice buildup means a hazard with the potential for costly liability. Click the image below to read more.
While modern building codes and structural engineering have made buildings extremely safe, facilities managers must maintain a high level of upkeep for them to remain that way. As buildings age, they can lose their structural integrity. As such, if simple repairs are left untended, they can balloon into bigger issues, potentially causing significant damage that can interrupt operations and/or even endanger others.
With fall weather comes more difficult driving conditions. Review our driving safety tips with all the drivers in your home or business. Click the graphic to read more or download our safety sheet. #driversafety
Hiring and keeping staff is tough for small businesses. Do you know the benefits that can give your small business the advantage when competing for staff? Click the image to learn them. #hiringheadaches #findstaff
October is cybersecurity awareness month. While it is always important to be aware of cyber threats, October reminds individuals and businesses that cybersecurity awareness is critical to keeping personal and commercial data safe. Click on the image below to read our cybersecurity newsletter. Articles include:
- Promoting Cybersecurity in the Expanding Digital Economy
- Key Benefits of Penetration Testing
- Preventing Supply Chain Cyber Exposures
Many workers are continuing to stay on the job into their 60s or 70s. How do you keep an aging workforce safely on the job? Read our latest blog for tips by click the graphic. #workersafety
This is National Truck Driver Appreciation Week! We love truckers and help cover trucking companies. Download our roadside inspection sheet for drivers. And keep on trucking! #truckersrule
If your company working from home and ready to return to the office or considering a long-term hybrid model, download our checklist so you can cover the issues and risks. Return to office the most efficient and effective way possible. Contact us with questions related to risks associated with return to office.
Agricultural employers, farming contractors, and agricultural associations who transport migrant or seasonal agricultural workers must ensure that their transporting vehicles conform to rigid safety standards. These entities are ultimately responsible for ensuring that drivers have a valid driver’s permit or license to operate the vehicle. In addition, any vehicle used must have a current state vehicle inspection sticker.
Beyond that, the Department of Labor (DOL) established regulations for passenger automobiles and station wagons used to transport 75 miles or less. Use our checklist to ensure that you are abiding by DOL guidelines for transporting your workers.
Click the image to view and download the checklist. For information about farm and agribusiness insurance, contact us.
This checklist is merely a guideline. It is neither meant to be exhaustive nor meant to be construed as legal advice. It does not address all potential compliance issues with federal, state or local standards. Consult your licensed commercial property and casualty representative at Evergreen Insurance LLC or legal counsel to address possible compliance requirements. © 2008, 2019 Zywave, Inc. All rights reserved.
Unexpected events like theft, vandalism or fires can wreak havoc on your personal belongings and cost you a fortune. Renters insurance is an affordable way to protect your belongings from losses—losses that can be far more costly than you may expect.
Let’s examine what renters insurance covers and how to calculate your policy needs.
What Renters Insurance Covers
While policies can vary, most offer coverage for the following:
- Personal property coverage: This helps cover the costs to repair or replace belongings that are damaged or stolen due to a loss covered under your policy. Furniture, electronics and clothing can all be covered under personal property coverage. Although landlords typically have a form of property insurance, their policy does not usually cover any personal property within your living space.
- Additional living expenses: If the apartment or home you’re renting becomes uninhabitable, your renters insurance policy can pay for your relocation costs as well as anything considered an extra expense under the policy—such as laundry, meal or storage-related costs.
- Personal liability coverage: If someone is injured or their personal items are damaged on your rented property due to negligence, personal liability coverage can help pay any medical bills or damages, up to your policy limit.
How Much Renters Insurance Do I Need?
In order to determine the amount of coverage you need for your renters policy, there are a few things you can do:
- Create a home inventory checklist—Simply making this list can help you take note of what your possessions are worth and decide how much renters insurance you would like to purchase. This checklist may also become useful in the event that you have to file an insurance claim—all your possessions and their values are already laid out for you.
- Deciding on any additional coverage—Once you’ve determined how much your items are worth, you can now decide if you need additional coverage. It may be useful to increase your policy limits to cover your more valuable items or get a separate policy for certain items such as jewelry or artwork.
- Pick the best deductible for you—A deductible is how much you pay before your insurer starts paying for a covered incident. A higher deductible plan means your payments will be cheaper, but you’ll have to pay more out of pocket in the event of a claim.
- See if bundling options are available—Most insurers give discounts as an incentive for having more than one policy with them. Talk to your broker to see if bundling options are available to you.
Securing the Coverage That’s Right for You
Deciding on the amount of renters insurance coverage you need can be a bit tricky. But with the help of your insurance agent, it can make the decision a far easier process.
© 2019 Zywave, Inc. All rights reserved. This Know Your Insurance document is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.