Winter brings an increased risk for fires and other disasters. This is even more of a risk during the holidays when everyone is busy gathering with friends and family this time of year, it’s easy to overlook some simple safety measures that can reduce the risk of damage during the holidays.
View this video from the National Fire Prevention Association (NFPA) for more useful tips....
Be mindful of the risk of homeowners liability claims. Keep the front door and walkways well-lit and free of obstacles that could be a tripping or falling hazard for your visitors. In particular, if you decorate your lawn with any blow-up decorations that must be anchored in the lawn, monitor them to be sure they do not shift and obstruct your visitors’ path. The holidays can be busy for everyone and will be likely full of activities. A few practical precautions can help you and your loved ones to enjoy an accident-free season and can prevent you from having to file homeowners insurance claims when you would rather be celebrating.
Feel free to contact any of our very capable and experienced agents at the William M. Sparks Insurance Agency here in Lutherville/Timonium MD to discuss your home insurance. We can help you review your current insurance policy and explore your options to be sure you have the best coverage and protection according to your circumstances.
Food cooked outdoors, especially on a propane or charcoal grill in the backyard has a special appeal. But grilling outdoors can be dangerous, even deadly, unless you take precautions.
According to the National Fire Protection Association, each year, U.S. fire departments responded to an average of 8800 home fires involving grills, hibachis or barbecues. Of these fires, about started on a courtyard, terrace or patio while 29 percent started on an exterior balcony or open porch.
Nevertheless, if you are like most Americans, you too enjoy summer grilling. So, the following are some of the most important safety tips to assure that your barbecue is risk-free, whether you do a gas or charcoal grilling.
Need some help making the best meal ever on the grill?
Check out this one-stop site for your next outdoor get together.
We've all heard the stories: A company loses key resources due to a shooting spree by a former employee... A business is wiped out by earthquake or flood... A corporate data center is destroyed by fire and brings down a national network. As a business owner, you probably sympathize but then rationalize that business insurance or government agencies like FEMA will be able to help.
While business insurance benefits and government support offer financial assistance, will affected companies continue doing business in the wake of such disaster?
It should – if you have an up-to-date Business Continuity Plan that includes a tested Disaster Recovery Plan, and provided that all key people in your organization know how to use it.
On the shelf since 2001, you say? In that case, you might only consider yourself safe if supply vendors, computers, employees and business process are all exactly as they were back then. (Of course, that would likely mean that you have other business issues.) You might ask yourself the following questions:
Wondering where to start and how to create one? If you are a large corporate organization, this is a good time to seek out a reputable consultant who knows your industry. If you are a smaller business, the following guidelines might be all you need.
Your business insurance portfolio and your business continuity plan complement each other. How can you know how much and exactly which insurance coverage you need if you have not analyzed your processes and resources to develop your business continuity plan? How can you complete your BCP without considering your business insurance coverages? Together they provide your business with a strong safety net.
Here at the William M. Sparks Insurance Agency in Timonium, MD, we welcome the chance to review your policies with you, answer your insurance questions, and offer advice to make your business as prepared as possible to handle any disaster. So why not contact us today?