McKee & Andrew's Tips to Protect Yourself and Property From Spring Stroms

Posted June 15th, 2015 @ 02:06pm by: Avallo

The saying "April showers bring May flowers" is true, especially to us in the Midwest. Spring storms like thunderstorms, heavy rain and tornados are inevitable and often times unpredictable. When severe weather strikes with little notice the risk of injury to yourself and damages to your property greatly increases. Here are some helpful tips to help protect you, loved ones and property during the next 'April shower.'

 Keep yourself and loved ones safe 

  • Monitor the weather by downloading an app for emergency info (American Red Cross or FEMA.gov)
  • If severe weather strikes, go to the lowest level in your home and stay away from windows and glass
  • Never use electronics during a storm and avoid touching metal objects
  • Conduct a home inventory (photos, video) of your personal belongings for insurance purposes and store in a safety deposit box or cloud-system
  • Install a sump pump with a battery backup system
  • Prepare a basic emergency kit
  • Bottled water (one gallon per person for up to three days)
  • Three-day supply of non-perishable food (don't' forget a can open, disposable plates and utensils)
  • Flashlight and extra batteries
  • First aid kit
  • Fire extinguisher
  • Battery powered radio
  • Blankets
  • Important documents in a waterproof container -- insurance policies, medical records, identification

Help avoid a property claim

  • Clean out your gutters, drains and downspouts so that rain can flow off your roof
  • Inspect downspouts so they're properly secured and placed for water to flow away from your house
  • Trim trees and shrubs
  • Have a professional inspect your roof and repair loose shingles
  • Secure outdoor patio furniture or other objects that could be moved by strong winds
  • Get all contents off the ground in flood prone areas
  • Read and understand your homeowner and auto insurance policies, especially your deductibles -- talk with your independent insurance agent to make sure you have the appropriate amount of insurance coverage

 

What other precautions do you take to keep yourself and property safe during a storm? Let us know in the comment field below!

 

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Your source for insurance for your tech business

Posted June 11th, 2014 @ 03:06pm by: Jim Andrews

Tech businesses, like web developers, IT consultants, programmers, and the like, face many unique insurance problems;  Problems like being protected from professional liability losses, data breach liability, denial of service, etc..  A standard business insurance policy does not provide this type of coverage.

Luckily, we represent the two largest carriers that are the industry leaders.

Second, we have experience.  We know what to do, what questions to ask, and how to obtain competitive coverage.

Contact us to learn more.

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How Can I Save Money On Business Insurance?

Posted December 26th, 2013 @ 03:12pm by: Jim Andrews

How can I save money on my business insurance?

Here are some ways to save money on business insurance:

1. Shop around.

Prices vary from company to company, so it pays to use an Independent Agent who can compare more than one company for you.  It's also important to pick a company that is financially stable. Check the financial health of insurers with rating companies such as A.M. Best and Standard & Poor's and consult consumer magazines.

2. Choose a higher deductible.

Deductibles represent the amount of money you pay before your insurance policy kicks in. The higher the deductible, the less you will pay for the policy.

3. Buy a package policy.

It can sometimes be cheaper to purchase a package policy, such as a Businessowners Policy (BOP), rather than individual coverages. A package policy provides standard coverages and limits of liability that are appropriate for typical small-to-medium-sized businesses.

4. Work closely with your agent or broker.

Your insurance professional can provide invaluable advice to help protect your business from unexpected disasters. But you need to keep him or her informed about any major changes in your business. This includes major purchases, expansions or changes in hiring or the nature of your operation. Also, get your agent's advice in terms of disaster planning. Ask what you can do to both reduce risks like fire or work-related accidents, as well as the procedures that should be in place in case your business does suffer a major catastrophe.

Having the right coverage and a well thought out disaster plan can save you money in the long run. It may even save your business from going under.

5. Ask about ways to prevent losses.

You may be able to reduce your premium for certain coverages by following your insurer's recommendations. These can include workplace safety, disaster preparation, and human resource intervention

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