The opening of baseball and softball season is shortly upon us. It’s the perfect time to go out and enjoy a youth league, high school, college or professional game… if the spring rain isn’t too bad, that is! Of course, you can always brave the storm under your umbrella.
And speaking of umbrellas… If you happen to coach or assist a youth team, or frequently transport/carpool others kids to and from practices and games, you will definitely want to look into enhancing your protection by purchasing a Personal Umbrella Policy, if you don’t already have one. With its relatively low annual premium, an umbrella policy can save you from financial ruin should you be liable after an accident that inflicts injury to your young passengers on board.
I highly recommend getting a Personal Umbrella Policy to provide an extra $1 million protection on top of your current liability coverage for your home and autos. With the average premium of $12-15 per month, you will quickly see that it’s something you cannot afford to be without. Interested? Call our office to get an exact cost!
Showing posts with label medina. Show all posts
Showing posts with label medina. Show all posts
Tuesday, March 8, 2011
Wednesday, February 16, 2011
Interrupted By A Tree
It’s a cold, windy night. You’re cuddled up with a good book trying to stay warm. Then all of a sudden… crash! It sounds as though a freight train has gone through your attic.
Once you gather yourself from the near-heart attack you’ve just had, and realize that your backyard tree has just pierced your roof, it is it is important that you report the damage as soon as possible to your insurance company or to The O’Neill Group. During the call, you will be asked to provide a summary description of the damages that have occurred.
After you make the call, it is important that you make any necessary temporary repairs to keep yourself safe from intruders or from the outdoor elements. This could mean placing temporary plywood or heavy tarps to cover the damages. If the fallen tree has also taken down your power lines, call your service provider for repairs.
Once you gather yourself from the near-heart attack you’ve just had, and realize that your backyard tree has just pierced your roof, it is it is important that you report the damage as soon as possible to your insurance company or to The O’Neill Group. During the call, you will be asked to provide a summary description of the damages that have occurred.
After you make the call, it is important that you make any necessary temporary repairs to keep yourself safe from intruders or from the outdoor elements. This could mean placing temporary plywood or heavy tarps to cover the damages. If the fallen tree has also taken down your power lines, call your service provider for repairs.
Wednesday, January 26, 2011
Sprinkler Systems
Is Your Sprinkler System “Out of Sight, Out of Mind”?
How would you feel if you were told that your car’s brakes only work 95% of the time? I’m guessing you would be pretty scared. Now what if I told you all you had to do was inspect the vehicles brakes regularly to improve that figure working 100% of the time? I’m sure you would schedule your regular inspections.
Unfortunately, many businesses forgo getting their sprinkler systems inspected and repaired when necessary, which brings their efficiency level down to 95% or less. So why do businesses with sprinkler systems fail to inspect their systems? Perhaps the old saying “out of sight, out of mind” applies. Maybe facility managers just don’t think of it, or perhaps it is seen as a costly and unnecessary investment?
I’m not sure the true reason, but I do know this: a functional sprinkler system can mean the difference between a total loss of property and a less devastating event. Not to mention, it can potentially save your life and the lives of anyone in your building.
Questions? Feel free to contact our office!
How would you feel if you were told that your car’s brakes only work 95% of the time? I’m guessing you would be pretty scared. Now what if I told you all you had to do was inspect the vehicles brakes regularly to improve that figure working 100% of the time? I’m sure you would schedule your regular inspections.
Unfortunately, many businesses forgo getting their sprinkler systems inspected and repaired when necessary, which brings their efficiency level down to 95% or less. So why do businesses with sprinkler systems fail to inspect their systems? Perhaps the old saying “out of sight, out of mind” applies. Maybe facility managers just don’t think of it, or perhaps it is seen as a costly and unnecessary investment?
I’m not sure the true reason, but I do know this: a functional sprinkler system can mean the difference between a total loss of property and a less devastating event. Not to mention, it can potentially save your life and the lives of anyone in your building.
Questions? Feel free to contact our office!
Monday, November 22, 2010
Building Vacancies Can Affect Your Coverage
In today’s economic climate, it seems as though more and more businesses are shutting their doors. One minute a business is thriving, and the next there is a “For Lease” or “Closed” sign in the window.
Here’s something you may not realize: If your business “neighbors” move out, or if new “neighbors” move in, you should definitely let our office know. The change in occupancy could affect your coverage. If you own the property and your tenants move on, it is equally important to let us know of the change immediately. Vacant (or partially vacant) properties create a unique set of circumstances that lead to a higher risk, and you need to be aware of the vacancy provisions in your policy so that you don’t run into a “no coverage” situation at the time of a claim. Your coverage should be thoroughly examined to ensure you are getting the maximum protection for your business should damages occur while the property is between lessees.
If you are not sure if we are aware of vacancies in your building, contact our office and we will get the answers for you. It is better to be safe than sorry!
Here’s something you may not realize: If your business “neighbors” move out, or if new “neighbors” move in, you should definitely let our office know. The change in occupancy could affect your coverage. If you own the property and your tenants move on, it is equally important to let us know of the change immediately. Vacant (or partially vacant) properties create a unique set of circumstances that lead to a higher risk, and you need to be aware of the vacancy provisions in your policy so that you don’t run into a “no coverage” situation at the time of a claim. Your coverage should be thoroughly examined to ensure you are getting the maximum protection for your business should damages occur while the property is between lessees.
If you are not sure if we are aware of vacancies in your building, contact our office and we will get the answers for you. It is better to be safe than sorry!
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!
Friday, August 20, 2010
What To Do After An Accident
Auto accidents are not something you "plan" on getting into. That's why they are called an accident! Knowing what to do after the accident happens will lessen the stress and the possible problems that may come up long after you leave the accident scene which could make the situation even worse.
While any accident is a hassle to some degree, you can ensure that is less stressful by being prepared. Here are four easy things you can do make your auto insurance claims less stressful after an accident occurs:
1. CALL: Call the police and report the accident no matter how minor and no matter whose fault it was.
2. GATHER INFORMATION: Get as much information from the other driver(s) as possible, including their name, address, phone numbers, description of the car, and their insurance company.
3. REPORT: Call your insurance company or agent as soon as possible. A delay in reporting the claim could get in the way of your company's efforts to defend you.
4. KEEP RECORDS: Maintain a file with any expenses you incur, including medical and hospital costs, lost wages, etc. Keep copies of any paperwork that result from the accident.
While any accident is a hassle to some degree, you can ensure that is less stressful by being prepared. Here are four easy things you can do make your auto insurance claims less stressful after an accident occurs:
1. CALL: Call the police and report the accident no matter how minor and no matter whose fault it was.
2. GATHER INFORMATION: Get as much information from the other driver(s) as possible, including their name, address, phone numbers, description of the car, and their insurance company.
3. REPORT: Call your insurance company or agent as soon as possible. A delay in reporting the claim could get in the way of your company's efforts to defend you.
4. KEEP RECORDS: Maintain a file with any expenses you incur, including medical and hospital costs, lost wages, etc. Keep copies of any paperwork that result from the accident.
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