So, What Is Non-owned Auto Coverage?
Have you ever thought about the risks involved in sending out one of your employees on an errand using their own car? It could be as simple as getting into a fender bender while going to pick up the office lunch or while making a run to the post office. Unfortunately, your business could possibly be responsible for that employee’s accident.
Non-owned auto coverage protects your company in the event that an employee has an accident using their own car on company time. This coverage can be included in your commercial insurance policy for a relatively small amount compared to the damages you may have to pay should an employee be involved in an auto accident while carrying out business functions. If you would like to know if your business is covered for these types of accidents, please call our office, so we may assess your current policy.
Wednesday, September 22, 2010
September is LIFE INSURANCE AWARENESS Month
I have never met anyone that enjoys going to the lawyer’s office to create (or update) their will. No matter how inevitable our fate is, actually “planning” on dying is enough to make even the toughest of us a little squeamish. Maybe that’s why a staggering 75% of Americans either don’t have any Life Insurance or don’t have nearly enough… because if we don’t talk about it, don’t think about it and don’t plan for it, it seems as though the day will never come that we actually need it!
Instead of focusing on the emotional aspects, (yes, you have to die in order for your beneficiary to receive any payment, and that is a pretty emotional thought), it’s probably less intimidating to focus on the practical reasons to purchase a policy.
For example, when you create a will, you do so with the intentions that you would like your possessions and the people in your life to be taken care of after you pass on. If you have children, you know how difficult it is to name a guardian… but, if something SHOULD happen, you want to make sure your children are cared for by someone close to you. And YOU want to choose for the best future for your children!
The same logic can be applied to purchasing a life insurance policy. SHOULD something happen, your policy can assist with bills, funeral expenses, mortgages or rent, college expenses, and simply everyday living expenses that would have been provided by your income, that is now gone. Wouldn’t this also be a good time for YOU to choose your family’s best future?
The best part of Life Insurance is that for the peace of mind you will gain, it is relatively inexpensive to purchase. Because like you, the insurance companies bank on the fact that you will be around for a long time. You owe it to yourself and to your family to talk to Life & Health Specialist at The O’Neill Group to help you determine your exact needs, and provide a quote on the policy that’s right for you. You’ll be surprised at the cost! Don’t put this on your “to do” list - Call 330-334-1561 TODAY!
Instead of focusing on the emotional aspects, (yes, you have to die in order for your beneficiary to receive any payment, and that is a pretty emotional thought), it’s probably less intimidating to focus on the practical reasons to purchase a policy.
For example, when you create a will, you do so with the intentions that you would like your possessions and the people in your life to be taken care of after you pass on. If you have children, you know how difficult it is to name a guardian… but, if something SHOULD happen, you want to make sure your children are cared for by someone close to you. And YOU want to choose for the best future for your children!
The same logic can be applied to purchasing a life insurance policy. SHOULD something happen, your policy can assist with bills, funeral expenses, mortgages or rent, college expenses, and simply everyday living expenses that would have been provided by your income, that is now gone. Wouldn’t this also be a good time for YOU to choose your family’s best future?
The best part of Life Insurance is that for the peace of mind you will gain, it is relatively inexpensive to purchase. Because like you, the insurance companies bank on the fact that you will be around for a long time. You owe it to yourself and to your family to talk to Life & Health Specialist at The O’Neill Group to help you determine your exact needs, and provide a quote on the policy that’s right for you. You’ll be surprised at the cost! Don’t put this on your “to do” list - Call 330-334-1561 TODAY!
Thursday, September 2, 2010
Living With Lightning
I find lightning storms to be very scary. Not only can lightning shock us (both literally and figuratively), it is actually responsible for starting many fires, causing injuries and killing hundreds of peole each year.
The only thing that eases my fear is knowing that I can help control my risks, and therefore limit the dangers that a lightning storm poses. Some things you can do include:
• If possible, weather the storm in a building or home.
• If you have to remain outside, be sure to stay away from metal sheds and outbuildings, as well as metal bleachers and fences.
• Stay away from trees and sources of water - both are good target areas for lightning strikes.
Once you're inside, be sure to follow these additional precautions to protect you and your property:
• Stay off of corded telephones, computers and any other electrical equipment. If you need to make a call, use your cell phone or a cordless phone.
• Stay away from windows and doors and a safe distance from large metal objects such as washers and dryers.
• Stay away from running indoor plumbing. Since lightning can follow the path of water indoors, never take a bath or shower, or wash dishes during a storm.
• Use surge protectors for all electrical equipment to reduce the chance of fires starting due to lightning strikes.
The only thing that eases my fear is knowing that I can help control my risks, and therefore limit the dangers that a lightning storm poses. Some things you can do include:
• If possible, weather the storm in a building or home.
• If you have to remain outside, be sure to stay away from metal sheds and outbuildings, as well as metal bleachers and fences.
• Stay away from trees and sources of water - both are good target areas for lightning strikes.
Once you're inside, be sure to follow these additional precautions to protect you and your property:
• Stay off of corded telephones, computers and any other electrical equipment. If you need to make a call, use your cell phone or a cordless phone.
• Stay away from windows and doors and a safe distance from large metal objects such as washers and dryers.
• Stay away from running indoor plumbing. Since lightning can follow the path of water indoors, never take a bath or shower, or wash dishes during a storm.
• Use surge protectors for all electrical equipment to reduce the chance of fires starting due to lightning strikes.
Equipment Breakdown Coverage
Keeping Up When Equipment Breaks Down
Why is it that breakdowns always seem to occur at the most inopportune times... when a big order is due, or when you're in a rush to finish a project? That said, even a normal or typical equipment breakdown on a "light" work day could be a very costly event, and can cause significant hardship for business owners and for their employees.
The good news is that there is such a thing called "Equipment Breakdown Coverage" and it is available from your independent insurance agentcy such as The O'Neill Group in Wadsworth, Ohio.
Equipment Breakdown Coverage (sometimes also referred to as "machinery insurance") covers the costly damages that can result from an equipment breakdown, malfunction, or shut-off.
This coverage can help you through a tough mechanical or electrical failure and ensure that your business will remain on its feet while the system is being repaired or replaced. The equipment breakdown endorsement adds coverage for mechanical, electrical and pressure equipment breakdown which may otherwise be excluded from coverage in the standard commercial policy. I have even seen the coverage pay for an indirect loss such as lost business income while the machinery was being repaired!
If you believe your business could benefit from an equipment breakdown endorsement, or would like to find out more on how this endorsement could benefit your business, please feel free to contact me or one of the other Protection Specialists at The O'Neill Group for an analysis of your needs.
Why is it that breakdowns always seem to occur at the most inopportune times... when a big order is due, or when you're in a rush to finish a project? That said, even a normal or typical equipment breakdown on a "light" work day could be a very costly event, and can cause significant hardship for business owners and for their employees.
The good news is that there is such a thing called "Equipment Breakdown Coverage" and it is available from your independent insurance agentcy such as The O'Neill Group in Wadsworth, Ohio.
Equipment Breakdown Coverage (sometimes also referred to as "machinery insurance") covers the costly damages that can result from an equipment breakdown, malfunction, or shut-off.
This coverage can help you through a tough mechanical or electrical failure and ensure that your business will remain on its feet while the system is being repaired or replaced. The equipment breakdown endorsement adds coverage for mechanical, electrical and pressure equipment breakdown which may otherwise be excluded from coverage in the standard commercial policy. I have even seen the coverage pay for an indirect loss such as lost business income while the machinery was being repaired!
If you believe your business could benefit from an equipment breakdown endorsement, or would like to find out more on how this endorsement could benefit your business, please feel free to contact me or one of the other Protection Specialists at The O'Neill Group for an analysis of your needs.
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