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Keep Your Thanksgiving Disaster-Free

Posted by on Dec 2, 2013 in Blog, My Favorite Things

Bonfires, crisp nights, leaves turning colors, football, and pumpkins. What do all these things have in common? They remind us of autumn.With autumn comes Thanksgiving and with Thanksgiving comes the one day a year that more cooking fires occur than any other day. In fact, grease- and cooking-related claims more than double on Thanksgiving Day, as compared to an average November day.The title for this blog is, “My Favorite Things.” I can’t think of anything more valuable than my family and my home. These are my most favorite things. To prevent you from being a statistic and burning down your home, the U.S. Consumer Product Safety Commission (CPSC) offers some tips for a safe and happy Thanksgiving while cooking ol’ Tom Turkey in that ever-popular deep fryer. NEVER leave a fryer unattended. Place fryer in an open area AWAY...

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Navigating Health Care Reform as a Small Business

Posted by on Dec 2, 2013 in Blog, Happy Together

The Patient Protection and Affordable Care Act (ACA for short) includes a very broad array of changes that impact the small business owner. Some changes require immediate action on the part of small business owners, while others will affect the health insurance products available to small businesses beginning in 2014. It’s important to understand these changes and anticipate changes in your processes that will need to occur so that you can remain compliant with new regulations.Health Insurance Plan Changes While it is true that if you like your insurance coverage today, you will likely be able to keep similar coverage, there are new requirements for health insurance plans beginning in 2014. Some or all of these requirements may require changes to your current coverage, whether it be a change of the specific services covered or a change of how...

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Doing Things the Safe Way Is the Right Way

Posted by on Dec 2, 2013 in Blog, Small Business Safety

Occasionally, we look at an account that is significantly above average. They go the extra mile to control losses and make sure customers and employees are as safe as possible. One such account I recently surveyed was an antique and restoration shop operated by a husband and wife team, Tom and Mary, located in Southern Illinois.The shop operates as an antique resale shop. They sell all types of furniture, collectibles, and vintage items. They also have 4 classic cars for sale. They intend to someday do car restoration work in the back of the building. They operate out of a one-story masonry non-combustible structure that was originally a Western Auto store.So what makes this insured above average? For starters, they already have a NFPA 33 approved spray paint booth for when they begin doing classic car restoration work. And...

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Managing Your Medical Claims is Good for Your Health

Posted by on Nov 4, 2013 in Blog, Happy Together

Insurance can be confusing. The more medical care you have, the more there is to keep track of. No one plans to be sick, but preparing and having a system in place will help if you do have claims. If you or your family member becomes ill, the number of bills can be extensive. A simple outpatient surgery could easily generate several bills. You can expect bills, at minimum, from the hospital or surgery center, surgeon, pathologist, and anesthesiologist. Organization will allow you to take care of yourself or your family member and not stress about the paperwork. Managing your medical claims can be easy if you do the following: Start a file at the beginning of each year to keep all of your health insurance documents in one place. As bills come in, avoid paying the bill until...

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Tips to Avoid a Deer Collision

Posted by on Nov 4, 2013 in Blog, My Favorite Things

Fall is the time of year when many people are dreaming of bagging that big buck. But you sure don’t want to do it with your vehicle! Here are a few tips to avoid a collision with a deer. Be Alert, especially at This Time of the Year! During hunting season and breeding season, deer are extremely active. Sunrise and sunset to midnight are particularly high-risk times of the day. Slow Down and Know Your Surroundings. Driving slower will provide you with more time to react if you spot a deer along the roadway. When you are driving in rural or wooded areas or where there are signs posted warning of deer crossings, be extra cautious. Drive Defensively. Wear your seat belt, and be sure to look for deer. Deer usually do not travel alone, so if you see...

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Know Your Stuff Should Disaster Strike!

Posted by on Oct 15, 2013 in Blog, My Favorite Things

No one ever thinks tragedy will strike them or their family. Unfortunately, things do happen when we least expect them to. The best way to handle tragedy is to have a plan. We can’t feasibly have a plan for every tragedy that may occur, but for the big ones such as fire, tornado, or theft, having essential tools in place can save you time and headaches.Dealing with the loss of your personal items to fire or catastrophic storm can be overwhelming. Here are 5 tips to make the process a little easier.1. Document, document, document. The more information you have about your personal property, the easier it will be to replace the items in the future. Your insurance carrier is going to want to know some important information, such as purchase date, model number, and cost at the time...

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