The annual appearance of frightening skeletons, broomstick-riding witches, and carved pumpkins is a strong indicator that autumn has here. Second, only Christmas surpasses Halloween in terms of consumer spending on decorations. Americans of all ages appear to like celebrating Halloween. However, according to the National Highway Traffic Safety Administration (NHTSA), Halloween can be a dangerous period with an increase in motor vehicle accidents. The reason for this is a combination of factors such as increased foot traffic on Halloween, reduced visibility owing to costumes and masks, and the amount of alcohol ingested by partygoers.
•Always keep a flashlight with you
•Walk, not run
•Only approach houses that are lit
•Make certain that the costumes do not drag on the ground
•Stay in known areas
•Decorate with the flow of traffic in mind. Place them so that they don't fall over, blow away, or become a tripping hazard.
•Do not overload electrical sockets when plugging in your frightening indoor decorations.
•Avoid cutting across yards or driveways
•Only bring flexible knives, swords, or other props
•Follow traffic signal
•Allow for appropriate floor and exit lighting when hosting a haunted house. Keep exits clear to avoid tripping.
•Walk on the left side of the road, facing traffic, if there is no sidewalk
•Dress in clothing that has reflective markings or tape
•Avoid unfamiliar animals and do not pet them
•Stay on the sidewalks
Purchase additional protection. If the notion of having to rein in a Halloween celebration dampens your spirits, it may be time to consider obtaining supplementary insurance to cover the event. Homeowners might contact their insurance agent to determine the cost of increasing their liability limits to cover the increased holiday exposure.
Did you know that the insurance industry can tell you what the most common claims are for each month? Insurance companies keep very accurate and detailed records of when claims occur and what kinds of claims occur in what month. We thought it might be informative to let you know what kinds of claims occur in the next few months.
Rear-end collisions. These occur more in the fall due to changing weather and increased rain. If you’re following a car, leave at least four seconds of time between you and the car in front of you if going 45 mph.
Water damage. Damage as a result of rain or freezing pipes, occurs more often between October and December than in any of the other months.
Fires from candles, cooking, and fireplaces caused over 45% of the home fires in the fall months. According to Ready.gov, more than 2,500 people lose their lives in house fires each year, and another 12,600 are injured.
Theft from vehicles. From October through December, more cars are broken into at shopping malls, due to increased holiday shopping. Always place your packages out of ight in the trunk when going back and forth from your car to the stores.
Snow, ice and rain accidents. Winter weather, even in warmer parts of the country, creates increased hazards and accidents. 37% of all skidding and snow claims occur between October and December.
Home burglaries increase about 33% during the fall. Keep your doors locked, use motion detectors, and turn on your home alarm.
Accidents involving animals. The fall is prime time for deer and other animals to be moving, and often they are on the roads. Pay attention especially in the early morning and early evening.
Small businesses account for 89 percent of all companies. A small business is one that employs fewer than 75 people. In reality, most small businesses have seven or fewer employees. When you own a small business, it doesn't take much to derail it and force you to close your doors. Having the right commercial insurance can provide you with the protection you require to survive. Trying to keep your business afloat is a difficult task.
A significant hazard, such as a fire or a burst pipe, can temporarily put you out of business. It can become permanent if you do not have commercial property insurance to help repair or replace your equipment. Even if you are a renter, this insurance can help you keep your business running. It safeguards everything you need to conduct business, such as tools, machines, inventory, raw materials, and office equipment.
Commercial liability insurance protects your company in the event that it is sued. Because roughly half of all businesses are sued in any given year, your chances of being sued are fairly high. Legal fees and judgments are covered by the insurance up to the limit of your policy. If you do not have this insurance, you will be held liable for the money, which may force your company to close its doors.
Directors & officers liability covers costs, damages, and defense protection to directors and officers of a company resulting from lawsuits and judgments arising out of poor management decisions, employee dismissals, shareholder grievances, and other acts committed in good faith.
Cyber liability is the risk posed by conducting business over the Internet, other networks, or electronic storage technology. It covers third-party losses from hackers, theft, and loss of information, including sensitive client or individual personal data.
Business interruption insurance can be highly beneficial to a company's bottom line. It provides the funds you require to operate if you cannot open. Your bills do not cease simply because your income does. While it does not cover every possibility, it does cover many of them. Examine your policy.
This Newsletter Brought to You by Neate Dupey Insurance Group
Residents of the Florida Panhandle were left reeling on Sunday after Hurricane Ian inflicted heavy flooding and damage. Ian was downgraded to a Tropical Storm on Sunday morning but continued to bring heavy rains and wind gusts of up to 50 mph to the area. Quite a few residents died in flooding related to the storm.
In Escambia County, emergency crews responded to more than 100 high-water rescues, most involving stranded motorists. The county’s public safety director, Tony Green, said the area had not seen flooding this bad since Hurricane Ivan in 2004
“It’s widespread. It’s not just one area. It’s all over the county,” Green said.
Despite the storm’s downgrade to a Tropical Storm, officials were warning residents not to let their guard down. “Just because it’s a Tropical Storm doesn’t mean it’s not a serious storm,” Escambia County Sheriff David Morgan said.
Even if your State is not affected by hurricanes, flood insurance is still worthy of your consideration. There’s no doubt that flood insurance can be a valuable asset for homeowners. After all, flooding is one of the most common and costly natural disasters in the United States.
But is flood insurance right for you? Here are a few things to consider:
1. Check your flood risk.
Not all homeowners need flood insurance. In fact your chances of experiencing a flood are pretty low if you live in a low or moderate risk area. To find out your risk level visit https://www.fema.gov/flood-insurance and input your address.
The type of coverage you need will depend on your risk of flooding and the value of your home. Basic flood coverage usually includes damage to your home and belongings, but you can also purchase additional coverage for things like temporary living expenses and repairs.
3.Assess your budget
Flood insurance can be expensive, but it’s worth comparing rates from different insurers to find the best deal. Keep in mind that you may be eligible for discounts if your home is in a low-risk area or if you have a federal flood policy.
4.Review your policy
It’s important to read over your flood insurance policy carefully to make sure you understand what’s covered and what’s not. For example, most policies don’t cover damage caused by flooding that results from a hurricane or other natural disaster.
5.Make a Plan Flooding can be a devastating event, so it’s important to have a plan in case it happens. Make sure you have contact information for your insurance company, as well as for a reliable handyman or contractor who can help with repairs.
We would like to thank you for your continuing business, and please feel free to call us at 480-391-3000 so we can answer any of your insurance related questions.
If an employee is injured on the job, employers are legally liable to the employee. Workers’ compensation will even cover employees who are involved in auto accidents while away from the worksite if the accident occurred while on the job. Workplace accidents happen every day, and most could have been prevented.
According to the U.S. Bureau of Labor Statistics (BLS) and the National Academy of Social Insurance, workplace accidents cost U.S. employers nearly $62 billion dollars every year, according to the 2021 Liberty Mutual Workplace study. The top five costly causes of loss may surprise you.
Top Five Costly Injuries
1.Overexertion -- Involving lifting, pulling, or carrying an object.
2.Trip and falls -- Employees tripping over an object or falling downstairs.
3.Struck by an object or equipment -- These involve an employee being struck and injured by a piece of equipment falling on or near them.
4.Sprains and Strains -- These motions include bending, crawling, reaching, twisting, climbing or stepping.
5.Auto Accidents -- Employees may be the driver or passenger where an accident caused injury.
Have a pre-shift stretching program.
Teach proper lifting techniques.
Make sure equipment is securely attached to table or shelf.
Make sure you have proper ladders and other devices for use.