The Value of Having an Independent Insurance Agent
Winter Driving Tips
Driving in the Winter can be stressful. Black ice, slush or a full out snow storm puts you at a high risk of collision or breakdown. While having proper insurance helps protect you and your vehicle from a financial loss from the accident in winter conditions, there are several tips to keep you and your loved ones safe.
Having the proper tire for wet and icy conditions is key with plenty of tread.
Check tire pressure, extreme cold can lower the air pressure in your tires. Make sure you have ample pressure before driving in these conditions. Warm up your car for 10-15 mins before hitting the roads as cars that are warmed up run better.
Some experts suggest packing a sheet of cardboard, shovel and supply of cat litter or sand. These items often help if you get stuck.
Emergency Kits are a good idea to have especially in the winter months. Common kits include:
- Extra Batteries
- First aid kit
- Protein Bars
If stranded here are a few keys to help prevent your safety. Stay in your car. Run your engine in increments of 10 mins per hour to keep car warm and conserve gas.
Lastly Knowing if your covered properly. Even the best drivers have accidents. Its key to have your Auto policy reviewed every year. There may be a better policy and or premium available. At Associated Insurance we are always happy to help the people in our local community find the best auto insurance protection at the best possible rate. Call us anytime for more information.
How to Survive a Business Interruption
While all business owners want their enterprises to be both productive and profitable, you may not have considered the costs associated with a business interruption. Your business interruption coverage can be added to your property insurance and this form of insurance is critical in keeping your business fully protected. It is impossible to predict every eventuality, particularly the damage incurred when a heavy storm or other disaster damages your property. This insurance keeps your enterprise viable during the period that you are forced to vacate. You can continue to provide your employees with pay, and manage bills during the period in which the business cannot operate.
But how is this different from standard property insurance? While your property insurance will help to pay for restoring your business after the interruption, it doesn’t always cover the losses associated with the inability to function for a period of time must be covered as well. Many business owners choose to add business interruption insurance to their property insurance to protect against this eventuality.
Business interruption insurance (or business income insurance) is triggered under the following circumstances:
Physical damage to the property is so extensive that operations are suspended.
Damage to the property is so severe that customers or clients are unable to gain access.
A government shutdown of the area prevents customers from gaining access to the property.
Halting Operations Can Bring Significant Financial Losses
When any business is forced to halt operations due to a disaster, clients and customers can be lost to the competition and repairs can take an extended period of time. Policy limits will vary based upon need and the type of business will determine the cost of adding business interruption insurance to your property insurance policy. Generally, if you have equipment that poses a risk of fire this factor will also affect the cost of added insurance protection. There may be other options beyond business interruption insurance – such as added expense insurance – that could be adequate for your needs. But the only way to determine what is best for your business is to speak with a local agent.
Contact one of our insurance agents at Associated Insurance Agencies, Inc. to discuss adding business interruption insurance to your commercial property insurance policy. We search out the best programs for our local customers, with the highest level of protection at the lowest possible rates. Call today for more information.
Seven Steps to a Safer Workplace
Business owners are responsible for keeping the workplace safe and OSHA (Occupational Safety and Health Administration) compliant. But accidents still happen. When a worker, customer, or client is injured, it is not only upsetting but there are often long term consequences. All business owners can reduce risk and maintain a safer, healthier workplace by taking the following seven steps:
- Ongoing training. Every new employee must be trained both on the duties of the job and on the safety procedures of your enterprise. If you do not have training manuals, direct instruction from an experienced employee is another option. If your business has serious safety risks, you owe it to yourself and to your employees to have safety training sessions on a regular basis.
- Adjust your priorities. All businesses tend to focus on productivity, with safe work practices often taking a back burner. If you change your priorities so that all employees see that your focus is on safety, not only will they be happier but the risk of an accidental injury is reduced and productivity can actually increase.
- Keep all safety gear in good repair. Various types of safety equipment could be utilized at your company. It is critical that all safety equipment is checked on a regular basis. Some types of safety gear that was in common use may no longer be considered safe. OSHA provides information to employers regarding personal protective equipment.
- Do not accept unsafe work habits from employees. Even the most seasoned employee cannot be allowed to cut corners. Demand safe work habits from all employees, with no exception. Keep a log of employees who violate safety regulations, with date, time, and event, and how you remedied the violation.
- Do regular inspections to identify new safety risks. Business owners focus on increasing productivity, but adding a regular safety inspection can save you in the long run. Finding better ways to keep workers, customers, and clients safe is always a good idea.
- Get your workers’ compensation insurance reviewed. It may be time to get your workers’ comp policy evaluated by a professional. As you add employees or new procedures your company’s needs can change. Get help from a local workers’ compensation agent who can visit your facility and who will review your policies to ensure you have adequate coverage.
- Have your current general liability insurance policy reviewed. These policies protect against claims for bodily injury, property damage, loss of data, as well as personal injury. If an employee is negligent, your company could be held liable, so a full review of your existing coverages should be undertaken each year.
A Focus on Safety: Protecting Against Risk
At Associated Insurance Agencies, Inc. in Westerville, Ohio, we make ourselves available to business owners as they carry a heavy burden of responsibility for the safety of both workers and customers. When you focus on safety, it can go a long way towards helping your enterprise advance to the next level of profitability and success. Your insurances are a critical part of your overall protection against risk. Unexpected accidents happen, even for the most careful employers. That’s when your insurance can save you from severe financial damage.
On the Road With Uninsured Motorists
A car accident is a shocking event, even when damages are minimal and there are no serious injuries. The insurance company should pay for your vehicle repairs – if you have the right policy. At Associated Insurance Agencies, Inc. in Westerville, Ohio, we know car insurance and we want to help you get the coverage that’s best for you before you need it.
When the Accident Wasn’t Your Fault
The issue of fault may play a significant role in what happens in the aftermath of an accident. In a no-fault state, the issue of fault is not considered, and each driver is responsible for damages to their vehicle and injuries to their passengers regardless of who caused the accident. No-fault laws also restrict your ability to sue the other driver for damages. Most states however, have some form of comparative fault law. The degree to which each driver was responsible for the accident affects the percentage that each will pay for damages. But what if the other driver doesn’t carry auto insurance at all?
Knowing Your Options: Accidents with Uninsured Motorists
State driving laws can change from year to year but motorists are required to have liability insurance in most states. Despite the law, an estimated 1 out of every 7 drivers on the road is driving uninsured and this number increases during a period of economic downturn. Some drivers purchase insurance just long enough to get a vehicle registered and then cancel the policy or find other ways to drive without insurance.
If you were in an accident caused by an uninsured or underinsured motorist, then you may be concerned about paying for costly damages to your vehicle and the medical bills from injuries suffered in an accident. In a state that recognizes fault you may be able to bring a lawsuit against the other driver. However, the time and costs associated with filing and winning a lawsuit may leave you with very little at the end of the day. Uninsured motorists rarely have many assets and may be unable to pay, even when ordered by the court.
Coverage that Protects You
Fortunately, there is one way to ensure that you don’t end up paying out-of-pocket for the costs of an accident with an uninsured motorist: purchase additional coverage to protect yourself. Uninsured motorist coverage protects you against being financially responsible for an accident that wasn’t your fault, or when the responsible driver does not carry sufficient coverage to pay your damages.
Adding uninsured/underinsured motorist protection costs just a fraction of your auto liability insurance. And with so many uninsured drivers sharing the road, you owe it to yourself and your family to have coverage to protect against this very real risk.
To make sure that you are not left paying for another driver’s irresponsible actions, talk with a representative from Associated Insurance Agencies, Inc. in Westerville about your auto insurance options today. We are a local agency, and work hard to find the best auto insurance policies for our clients. We are happy to review your current policy and find out if there is better coverage at a lower price available. Call and speak to one of our friendly team today.
Show the One You Love That You Really Care
Valentine’s Day conjures up images of hearts, flowers and chocolates. But you can show the one you love that you care every day of the year, by ensuring that you have a life insurance policy. Your loved one will appreciate that you took the time to put this protection in place should an unexpected accident or illness occur. Life insurance provides your loved one with important financial security.
No one likes to think about passing away, and the idea of discussing life insurance may not be at the top of the list of things you want to consider. Whether you have just been married, have a young family, or have been married for years, the financial support provided by life insurance can help your loved one avoid serious financial problems should you pass away, or become incapacitated. Currently, life insurance benefits are not taxed and policies pay out fast providing your loved one with the needed support for mortgage payments, bills, and replacing the income that you provided to the family.
Why Life Insurance Shows You Care
Everyone hopes to live a long and healthy life, but life insurance shows your loved one that you have taken steps to ensure he or she is not left in financial trouble should you pass away. Many problems arise when a family has an unexpected death, including estate issues. It may take many months or longer for an estate to be distributed to a spouse, or you may not have a large retirement account, property, or other assets to pass on. Life insurance will pay out within a short period of time, and make it possible for your loved one to continue life free from serious financial problems.
Types of Life Insurance
You have a few choices when buying life insurance. Some people prefer to invest in whole life insurance, as it is permanent, and over time, builds up into a valuable asset. You even have the option to borrow money out when you need it, and at a very reasonable interest rate, making whole life insurance even more flexible.
Term life insurance costs less, and is perfect for young families with a limited budget. For a specific period, you are covered by term insurance. You have the option to upgrade many of these policies to whole life as your circumstances change. In either case, you can be confident that your loved one will be safe and protected from financial stress. Some policies will also pay your loved one if you are incapacitated, replacing the income you earned.
Take the time to find out more about your options. There are many very reasonable life insurance products that could work for you and your family. At Associated Insurance Agencies, Inc. in Westerville, Ohio, one of our friendly local agents would be happy to discuss and show you the best deals available.
If you already have a life insurance plan but are considering a change, we are very willing to find a policy that better suits your current situation. We have flexible appointments, and can meet with you at a convenient time. Show your loved one that you really care, on Valentine’s Day and throughout the year with life insurance protection. We can help – call us today.
Skipping the Dentist Can Put Your Health at Risk
Most of us don’t look forward to a trip to the dentist. However, caring for your teeth and gums is a crucial part of maintaining overall health. Research over the past decade has revealed links between tooth and gum health and several serious medical conditions. A recent study found that 40 percent of people who suffered gum disease were more likely to have another chronic health condition. For example, the National Institute of Dental and Craniofacial Research reported in 2008 that patients with periodontal disease (gum disease) are twice as likely to develop diabetes.
The health of your mouth and gums has been shown to have an impact on other critical body systems. Bacteria that builds up on the teeth, which can lead to inflammation in the blood vessels and infection, can also increase the risk of heart attack. So its well worth caring for your teeth, and making those trips to your dentist every six months to ensure that all is well. If you have any serious teeth or gum problems, modern treatments work better and are more effective than you may have experienced in the past.
Dental Care and Pregnancy
Studies have also indicated that gum disease could play a role in fetal development. Women who plan to become pregnant or who are pregnant are advised by medical professionals to get a periodontal exam and have any problems addressed. Your dental insurance can help you save. Plus, ensuring your teeth are healthy is established as being important for expectant mothers.
Reducing the Cost of Dental Care
One thing that could stop you from getting the dental care you need is the cost of treatment. That’s when dental insurance can make a real difference for you. There are many different dental insurance programs – and many are very affordable. Take advantage of the reduced costs of treatment by getting dental insurance. Each plan will cover different treatments, and will have a different limit. Plans are available for groups, families, and individuals. It is worth finding the right plan for you and your family and at Associated Insurance Agencies, Inc. in Westerville, Ohio, we can help.
We look over the plans available, and identify what will work best for your situation, to fit your needs and your budget. Generally, your dental insurance will pay a certain amount towards treatments such as filling cavities, root canals, crowns, bridges and other important dental work. The amount paid for these treatments varies from plan to plan, and up to various yearly limits. The good news is that once you have your dental problems solved, you merely maintain your dental health through cleanings every six months, which are often paid in full by dental insurance, or at a greatly reduced cost.
Don’t put off going to the dentist – the longer you wait, the more problems you can develop. Talk to one of our local agents at Associated Insurance Agencies, Inc. to get more information. The sooner you put your dental insurance in place, the faster you can get the treatment you need. Dental care goes beyond having a beautiful smile – it will help you to have better overall health.
We are here to help our friends and neighbors in the Westerville area with all insurance issues, including dental insurance. Finding the right plan is important – let us help! Call us today.
Planning Tips for the Perfect Holiday Season
For those of us who love family get-togethers, parties and events, this is a favorite time of year. Get started on your planning early so you have a safe and special holiday. At Associated Insurance Agencies, Inc., we have gathered together some great planning tips that will help you make your holiday fun and safe.
Making your home festive is a lot of fun, but there are some dangers to avoid. Make sure you buy the correct types of lights for your tree, rated for indoor or outdoor use. Always purchase your lights from a trusted source, and ensure they are approved by UL (Underwriters Laboratories). When stringing cords, never place them in high traffic areas that could lead to someone tripping.
Candles are beautiful – but dangerous. Real candles can easily set a home on fire if knocked over. Buy candles with batteries. They flicker, and look real but don’t pose a risk of fire. Your scented candles don’t have to be lit to put out fragrance – don’t light them.
If you use a ladder to put up decorations, be aware that this is how many people are injured every year. Read up on ladder safety before you start, and never allow more than one person on a ladder at a time. Keep children at a distance.
Holiday Party Food
Follow all rules for keeping food fresh for a holiday party. Always wash your hands thoroughly, as well as utensils and counter areas that have come into contact with meats, poultry, eggs or fish. Store your food properly and at the right temperature to avoid bacterial contamination.
Buy the freshest tree you can find and keep it watered. Dry needles are super-flammable. Never place a tree near any area where there is open flame, including the fireplace. Get your fire extinguishers recharged in preparation for the holiday. Hopefully you never need to use them!
The holiday season often includes consuming alcoholic drinks. Always advise your guests about alternative ways to get home after drinking, whether via a taxi or a designated driver, and never let a guest drive who is obviously intoxicated. You could be held liable in some cases if an accident occurs.
Your Home Insurance or Renters Insurance
One thing you may not have considered is your home insurance or renters insurance. When planning for the holidays, make sure you are covered for any eventuality. If something goes wrong – and we hope it doesn’t – you are covered. Home insurance programs cover various types of disasters, but you should find out what is covered and what isn’t prior to the holiday season. Generally, you are covered against damage from fire, weather damage, theft and vandalism. You are also covered should someone get injured while on your property or in your home, as well as the cost of your defense when necessary.
At Associated Insurance Agencies, Inc., your local insurance agency, we are here to help you have a safe and happy holiday season. Our entire team of agents lives and works in the Westerville area, and we are always available to help. We are prepared to help you sort out any insurance issues prior to the holiday season. Are you preparing for a wonderful holiday? Let us help. Call to speak with one of our friendly agents. As we are local, we are able to meet you at a convenient time for you, including after work or on the weekends. Let’s get in touch!
The Importance of Movember
Movember is a charity that focuses on men’s’ health issues and invests in both research and support services. To date, the Movember Foundation has raised $559 million in donations, and has been responsible for funding over 800 different programs in 21 countries across the globe.
You can easily recognize many of us who are involved in supporting Movember. When you see a man who is growing a mustache (or a “mo” in Movember Foundation lingo) during the month of November, he is most likely participating in one of our programs through college, work, in the community, or as an individual. While the mustaches are growing, the Movember events are ongoing. These events are as varied as those who create them. You can participate in this important charity, and can be a Mo Bro or a Mo Sista, or a corporate sponsor. Join the fun and support Movember!
Men’s’ Health Matters
There are certain health issues affecting only men, including testicular cancer and prostate cancer. Prostate cancer is the most common cancer affecting men, with 220,800 new cases estimated to be diagnosed in 2015, according to the American Cancer Society. They also estimate about 27,540 men will pass away from prostate cancer this year, and report that about one out of every seven men will contract the disease – it is even more common than breast cancer in women. The survival rates for prostate cancer are excellent, as long as the cancer is detected and treated early. Testicular cancer is less prevalent, with about 8,430 new cases estimated to be diagnosed this year. The incidence of testicular cancer has been on the rise for several decades, and the need for research has never been greater.
Protecting Your Health
At Associated Insurance Agencies, Inc. in Westerville, Ohio, don’t be surprised if you see one of our local agents sporting a “mo” on his face. Men’s health is an important issue, and the charitable donations to the Foundation fund research to discover new and better treatments.
We also believe that having the right health insurance in place is a critical part of taking care of your health. You need to be covered by health insurance, no matter what. We can help you find the right policy and save you from the hassle of trying to figure out which plan to choose off a government or insurance website. We also feel strongly that if you have a family, you need to put a life insurance policy in place. This is the only money your spouse or loved one can easily access after a death, providing a family with the needed income to cover necessities while avoiding issues associated with probate and taxation.
Support Movember this November and connect with us at Associated Insurance Agencies, Inc. in Westerville. We are a local company, committed to helping our friends and neighbors with all their health insurance and life insurance questions. We are always available, easy to reach, and can meet with you outside of regular work hours. Let us help you get the right health insurance and life insurance policies in place, and join us in our support of Movember!
October is Breast Cancer Awareness Month
Breast cancer affects one in eight women, and it is estimated that about 220,000 women are diagnosed each year, according to the National Breast Cancer Foundation. Thankfully, early diagnosis and treatment most often leads to a full recovery. Breast Cancer Awareness Month is an annual campaign to raise awareness of the disease and the critical importance of testing for early detection, as well as to raise funds for research and other important endeavors.
Fundraising for Breast Cancer Awareness
There are several ways to participate in Breast Cancer Awareness Month. The Foundation accepts direct donations and provides information about holding charity events – whether concert, art show, breast cancer walk or other event. If you are participating in a sporting event, you have the option to create a personal fundraising page as well. You can also discover various events you can attend in the Westerville, Ohio area through the Foundation’s website.
Health insurance plans, under the Affordable Care Act (commonly called “Obamacare”), have a mandate to provide mammograms without a co-pay or deductible, with some exceptions. It is important that you have health insurance that allows you to be screened for breast cancer on a regular basis. At Associated Insurance Agencies, Inc. in Westerville, Ohio, our local team is always available to answer your questions about your health insurance coverage, as well as life insurance to protect those you love.
Taking Your Health Into Your Own Hands
Women are far more educated about breast cancer, in large part due to the efforts made by survivors and families of survivors who have taken it upon themselves to inform and educate women across the nation. Some of the most important ways to stay healthy that are known include:
Self-examination: The American Cancer Society provides information about breast self-examination and its benefits – and limits. Find out how to do a breast self-examination (BSE) and keep a schedule. If you notice any changes in appearance, unusual pain, or other symptoms, see your doctor. In many cases these symptoms are not cancer, but should always be evaluated by a medical professional as soon as possible.
Clinical examination: A doctor, nurse, nurse-practitioner, or other medical professional can perform a clinical examination to check for breast cancer. Watching how your healthcare provider does the exam can be a good method by which you can learn how to correctly perform a self-examination.
Mammogram: A mammogram can reveal the presence breast cancer, and these tests are performed yearly. This is the most common type of breast cancer test, including for healthy women. The goal is to detect the presence of the disease early.
Diagnostic testing: If there is a suspicion of breast cancer, a biopsy can be performed to determine if a breast abnormality is cancerous.
DNA testing: Some women have a higher risk of breast cancer due to the presence of specific genetic markers. BRCA1 and BRCA2 are genes that produce proteins that suppress tumors. If either of these two genes are mutated a woman may have an increased risk of developing breast cancer. These mutations are passed on from parent to child, and if one parent has the mutation, there is a 50/50 chance that a child will also have it. DNA testing can reveal this mutation.
Other tests: There are a range of other tests that could detect breast cancer, including PET scans, blood tests, ultrasound and others. Talk to your doctor and get information about what type of test is appropriate for you.
Risk Factors: The Do’s and Don’ts
Although leading a healthy lifestyle cannot fully protect against any disease, there are certain factors that are known to increase the potential for developing breast cancer. The standard health rules can help you be at lower risk of developing the disease, including exercising, eating a nutritious diet, and maintaining a healthy weight. The factors that increase the risk of breast cancer, according to the American Cancer Society include:
- Alcohol: Drinking alcohol has been clearly linked to an increased risk of breast cancer.
- Weight: Keeping your weight at a reasonable level is important, as being overweight or obese after menopause is known to increase risk.
- Exercise: Even the most limited exercise reduces the risk, so take a walk! As little as 1.25 to 2.5 hours a week of walking reduces risk by 18%.
- Smoking: There are studies that indicate there is a link to increased risk if you smoke tobacco, affecting younger women particularly.
- Aging: Older women are more likely to get breast cancer, and 2 out of three cases are in women over 55 years of age.
- Family history: If your family has a history of breast cancer, you may be at higher risk.
- Birth control: Women who have taken birth control pills are at slightly higher risk.
- Hormone therapy: Many women were prescribed combined hormone therapy (estrogen and progesterone) and are at a higher risk of developing breast cancer.
At Associated Insurance Agencies, Inc., we all live and work in the Westerville area, and we support all efforts that help keep the people in our community healthy. We are here to assist with any health insurance or life insurance questions, and are always available to review your existing policies and advise you about a better plan, less expensive health insurance plan, or higher levels of coverage. We make ourselves available during normal work hours and off-hours too. We are here to help you have the right insurance to protect your family, so you can stay healthy. Call us!
Celebrate Labor Day and Enjoy Time Off
The majority of our lives are spent focusing on work. Even our days off can find us obsessing over various work-related issues – sitting at a computer or watching our smartphones, answering work emails, or planning for an upcoming project or meeting. We have a very hardworking culture in America, and it can be tough to completely “disconnect” over a weekend and get the break needed for our health.
Scientific research has revealed that it is detrimental to productivity to obsessively focus on work tasks and to have insufficient downtime. You need to replenish, recharge, and get enough rest – without thinking about work.
According to researchers, downtime is actually essential. It gives your mind time to rest and process work related issues. Tough problems can actually be solved while “daydreaming.” Many of us find it extremely difficult to stop thinking about the various problems, difficulties, and activities at work, or we spend our off-work time with employees who are now close friends. If you do meet with fellow workers, make a rule: no work talk.
Your health insurance is an important benefit of work. However, many employees access their health insurance purely for stress-related problems. Depression, anxiety, and stress can burden a worker to the point of being unable to function normally. Americans in general are not getting enough sleep and can face health problems affecting all body systems, as well as attitude and emotional difficulties. Rather than having to use your health insurance to see a doctor when you’re struggling, try simple actions such as ensuring you get enough sleep, rest, and downtime from your work concerns. Labor Day gives you the perfect opportunity to catch up on much-needed rest. Take advantage of it!
A three-day weekend can bring you the opportunity to recharge, spend time with the family, or take a short trip and enjoy a change of environment. Make the most of the Labor Day weekend to get fully rested and restored. When you return to work after the holiday, you will find yourself more capable of getting your work done.
If you are a business owner, sole proprietor, or operate a home business, you face big challenges. Make sure you schedule down time! If you’re ready to look into how to get the best deal on health insurance, connect with one of our local agents at Associated Insurance Agencies, Inc. right here in Westerville, Ohio. We all live and work in Westerville, and we are friendly and easy to get in touch with and are ready to answer any of your questions. We understand the stresses that are faced by both business owners and employees, and we hope that our advice about taking some restorative downtime over the Labor Day weekend helps! Give us a call to talk about getting better rates on your group health insurance, or if you need an individual health insurance policy – we can help!
School Sports: 5 Reasons to Get Your Kids Involved
School sports are one of most effective ways children learn essential life skills. Sporting activities offer children the opportunity to learn cooperation, teamwork, social skills, and perseverance towards a common goal. As an adult in the working world, these are the qualities found in highly-valued employees.
Parents often have legitimate concerns regarding the safety of their children who are involved in school sports. According to a recent USA Today article, 1.35 million youths are injured every year in sports-related activities. Ensuring that you have good health insurance in place is essential if your child is participating in sports in school.
Here are five important reasons to get your children involved in school sports:
At Associated Insurance Agencies, Inc. in Westerville, Ohio, our local agents care about the children in our community. Our goal is to be of service to our clients, and every person and family is unique. Do you have school-age children who participate in sports? We would be happy to review your current health insurance and personal insurance policy to make sure you have the coverage that you need. It is an advantage to work with a local agent. We are always available, easy to reach, and can meet with you off normal business hours if this is more convenient. Call us and speak to one of our friendly team members from Associated Insurance Agencies, Inc. and let’s meet!
Improves Health and Fitness
Running, jumping and high-energy play is excellent exercise. It has an impact on all body systems, including cardiovascular health, muscle strength, and endurance. Always ensure your child has adequate water to drink for indoor and outdoor play.
Increases the Ability to Cooperate
Working together as a team is the best way to teach cooperation skills, which are a must in the workplace once they are old enough. Learning to get along with others and the pursuit of a common goal that are enhanced through team play.
Teaches a Positive Attitude
Excellent coaches teach students to have a good attitude, win or lose. The concept of good sportsmanship is important in all of life’s activities.
Improves Social Skills
A child who is withdrawn or has difficulty making friends can learn to work with all kinds of other children.
As your child improves, and successfully interacts on a team, self-esteem grows. Kids have a burgeoning sense of accomplishment and pride. As a parent, reinforce it by attending games and cheering them on – it helps!
Plan Your Wedding With Peace of Mind
A wedding is a major (and costly) investment. Everything must be planned down to the smallest detail, and most people spend months planning. As the big day approaches, the last thing you want to worry about is losing money due to a cancellation or postponement – for any reason.
Consider getting special event insurance as part of your wedding planning. Life can throw a curveball, and even the most carefully planned wedding may run into unexpected problems. Special event insurance can protect you against the significant losses you could face if your wedding is cancelled or postponed for any reason, and the policy will pay out the cost of operations, premises, and products. Optional personal injury liability coverage can also be included. It’s worth the investment for this short term type of insurance.
Unforeseen circumstances that could lead to a wedding cancellation or postponement can include extreme weather, an accident, illness, or situations in which a vendor suddenly goes out of business at the last minute – after you have already paid to retain their services. You can even be insured if you decide to go ahead with the event under changed circumstances if you’ve had to incur more cost due to last minute changes in schedule, venue or vendors.
You can recover the money you paid to vendors in deposits. Your wedding photos can even be covered if they are damaged or, worst case scenario, the photographer doesn’t show. Other costs that can be reimbursed, based upon the type of special event insurance program you choose, can include the cost of lost or damaged special clothing, and the cost of renting replacement attire, and even insurance for lost or damaged wedding gifts.
It’s going to be the beginning of a new life together. You should find out about getting special event insurance as a necessary part of your wedding plans. No one can predict what will happen, and having this insurance in place keeps you protected.
At Associated Insurance Agencies, Inc. in Westerville, Ohio, we can advise you about the various types of special event insurance, and help you choose the policy you need to protect against any financial losses associated with your wedding. At our local agency, each of our team lives and works right here in Westerville, and we are easy to connect with and talk to about this type of insurance. We’d love to help you put this important piece of your wedding plans in place. We are available outside of working hours if it is more convenient for you.
Congratulations on your upcoming wedding, from us to you! One of our friendly team members will be happy to speak with you about special event insurance or any other insurance questions you have. Call us!
3 Reasons to Have Renters Insurance
Are you a renter in Westerville? If so, keep in mind that you have a big financial investment in all of your possessions. If you were forced to pay to replace what you have, it would probably cost you tens of thousands of dollars, or even more.
There are three major reasons you want to have renters insurance:
You can replace what you lost.
- You may think your landlord’s insurance covers your possessions in the event of some incident that damages your apartment, condo or house, but unfortunately, that isn’t the case. If a rented apartment or house is involved in a fire, damaged in a storm, flooded or you are a victim of a break-in, it’ll be your responsibility to come up with the money to replace what you have lost. Think about the cost of what you have in your home: computers, digital devices, TV, clothing, kitchen goods, beds and the rest. Add it up and the total value may surprise you. With renters insurance, you can replace what you lost. If your rented home is so damaged that it’s no longer habitable, you will get access to the needed funds to cover your temporary living expenses.
It covers what other insurances don’t.
- Your car insurance will pay for repairs to your vehicle if you are involved in an accident, but if your personal possessions are stolen from your car, you are out of luck. Most auto insurance policies don’t cover the possessions in your vehicle, and renters insurance fills that gap. Possessions in your vehicle such as a laptop, clothing or phone or any other pricey item can set you back if you have to replace them. This is the type of coverage that can insure any personal items taken from or destroyed in your vehicle.
It costs only a few pennies a day.
- Renters insurance is one of the cheapest types of insurance you can buy. Our agency will work with you to get a better deal if you bundle renters insurance with any other policies (life or car insurance) you have. It’s worth looking into renters insurance if you don’t yet have it.
Make sure you and your family are covered if you rent a home. We can’t predict when a huge storm will come through the area, or when a fire or flood might hit unexpectedly. Protect everything you own and have peace of mind knowing that you won’t be dealing with the cost of replacing all of your personal possessions.
Our insurance agents can help you find the best price and coverage for renters insurance. We know cost is always an important issue, and we will search out the most reasonably-priced policy for you. If you already have insurance and want to find out if there is a better policy on the market, or find out if you are eligible for a discount, we are happy to review what you have and show you what is currently available
Call us and speak with one of our friendly agents from Associated Insurance Agencies, Inc. in Westerville, Ohio. As we are local, we are very easy to connect with, and we can meet with you off work hours if that is more convenient. Talk to us!