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How to Protect Your Home While on Vacation

Protect Your Home While on Vacation

Heading out on vacation? Be sure to protect your home!

Where is this summer taking you? Whether it’s tropical, action-packed, or relaxing, many people go on vacations over the summer months. With time off work and school, it makes it ideal for families, couples, and individuals alike. While you’re packing to head out on vacation, ensure that you’ve taken the necessary steps to protect your home.

Ask a friend. Ask a relative, friend, or trusted neighbor to visit your home a couple of times a week. He or she can water the plants and check that the home is safe and sound.

Limit social media messages. It’s possible for anyone to see your social media profile and messages. Posting about an upcoming vacation may get you in the mood for fun, but it makes it easy for thieves to know when your home will be vacant. Instead, post pictures about your trip when you’re back home.

Remove the key. Now is the time to remove the spare front door key that’s hiding underneath the welcome mat. Thieves will take advantage of scoping out places to hide keys, so be sure that you don’t fall victim!

Unplug and shut off. Before you leave, unplug minor appliances (TV, chargers, some lights), and shut off the water valve. This way, the risk of your home suffering from damage decreases.

Make it looked lived-in. You don’t want people to know you’re away while you’re away. Combat this by setting lights on a timer to switch on during the nighttime, and consider lowering or turning off your telephone ringer. While you’re at it, cancel newspaper deliveries.

Pack discretely. Take care when loading up the car with luggage. You don’t want to attract any unnecessary attention to indicate that you’re leaving down. Don’t leave the trunk open while you bring out suitcases. Instead, try to pack up your supplies while your car is in the garage, if possible.

Before you head out on vacation, take a moment to review your homeowners insurance. You’ll want to ensure that your coverage is suitable for your needs while you are away from your home. Fortunately, it takes a simple phone call to secure the right coverage. Talk to the professional team at Chambers & Company Insurance Brokers to determine your homeowners insurance policy today.

Natural Ways to Boost Energy

Natural Ways to Boost Energy

Skip the extra caffeine and try these natural ways to boost energy instead.

Do you find yourself feeling sluggish mid-afternoon? Perhaps you struggle to stay alert throughout the day? You may just be plain exhausted. If so, it’s time for a change. Instead of reaching for another cup of coffee or downing a chemical-filled energy drink, try these natural ways to boost energy!

Drink 2 liters of water every day. Our bodies are mostly water, and we need to replenish them with clean, fresh water. Drinking enough H20 is important to flush out toxins and stimulate our brain to function properly.

Avoid processed sugars and sweeteners. Both of these take a lot of processing by our system, which in turn takes away our energy. Bear in mind that it’s impossible to cut out all sugars. Fruits and vegetables contain naturally occurring sugars, and we don’t need to limit our intake there. However, choose to avoid processed and artificial sugar.

Exercise daily. There’s little that exercise can’t help us do! Simply walking more often and engaging in gentle exercise can help us to instantly feel more awake!

Increase your consumption of fresh fruits and vegetables. Today, we’re constantly being told what not to eat. However, this is not the case when it comes to fruits and vegetables. We are biologically designed to eat fruits and vegetables, and we need the enzymes and fiber to keep our systems working well. Increasing the amount of raw food also makes a big difference to your energy.

Get better quality sleep. Spending your nights tossing and turning can make you feel tired the next day. Be sure that you’re getting at least 8 hours of sleep every night, as an adult. If you struggle to sleep, limit your caffeine after 3:00 p.m., and write down what is on your mind before you go to sleep.

Look after your mind. The mind is a major player in how we feel and our energy levels. Try meditating for 10 minutes every day, or do yoga once a week. Be sure to do one thing every day that you enjoy doing!

Before you reach for coffee, try these natural solutions first! While you focus on bettering your health, let the insurance professionals handle your insurance policies. Contact Chambers & Company Insurance Brokers to learn about suitable coverage for your needs!

Should You Use Independent Agent For Your Business Insurance Needs?

Independent Agent Business Insurance

Would your business benefit from an independent insurance agent?

Insurance can be a complicated purchase for business owners to make. After all, you’re buying a promise of protection that could potentially make or break your financial future. From knowing what coverage you need to assessing your budget, business owners need to know if they’re making the right choices about their coverage.

An independent insurance agent can step in to help you secure reliable coverage for your needs. Not only that, but he or she can ensure you’re getting the best value for your dollar, too.

Choice

Independent agents represent many different insurance companies that offer a wide variety of coverage options and price points. They are not limited by only choosing a policy from one provider. Instead, different packages, policies, and price points are in their reach. This means that there’s no need to fill out different online applications or accept one quote from one company! An independent agent can put their connections to use to find you the better value of coverage.

Knowledge

Stumped on industry jargon? Agents can explain the complexities of insurance in simple terms, helping you to make the best decision. They make a career out of assessing their customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price that the client can afford. A licensed professional ensures that your business is properly protected!

One-Stop-Shop

They meet all of your insurance needs with the companies that they represent, providing auto, home, renters, and business coverage! This means that you only need to manage one stream of insurance instead of several different ones from various companies.

With so many benefits of an independent insurance agent, why not give your local agent a call? Contact Chambers & Company Insurance Brokers to learn about suitable coverage for your needs!

Safety Behind the Wheel: Tips for Your Summer Drive

Tips for Your Summer Drive

Stay safe on summer roads with these tips.

Whether it’s the daily work commute, the school run, or a summer road trip, driving in the hottest season has its challenges. As well as sun glare, you’ve got high temperatures to contend with, which can make your car behave differently. In addition, roads are busier, especially en route to airports and around tourist destinations. Before you head off, review these tips for your summer drive.

Plan your journey. If you have a road trip planned, map it out beforehand. You may not stick to it, but at least you’ll have a route mapped out if you get lost or take a wrong turn.

Check your car’s fluids. During the summer, we all need water to stay active and prevent dehydration. Your car isn’t any different. Fluid levels help to keep your car running smoothly, so ensure that you top up the engine oil, windscreen washer fluid, engine coolant, and fuel.

Top up the tires. High temperatures and under-inflation exacerbate existing damage and weak spots, increasing the risk of punctures. Before setting off, check tire condition and pressures on a vehicle, as well as anything you may be towing.

Avoid the glare. You may love basking in the sun, but sunlight is not ideal when it bounces off your windscreen, making the road hard to see. Keep the glass clean, repair scratches and chips, and wear non-light-reactive sunglasses while behind the wheel.

Pack a kit. Whether it’s a long journey or not, you should always have an emergency kit in the trunk of your car. This should consist of a breakdown triangle, water, first-aid kit, map, flashlights, and other essentials.

Drive extra diligently. With schools about to break up for summer, it’s important to keep an eye on certain areas. Drive carefully through neighborhoods where kids may be playing in the middle of the day. While you’re at it, take a look at five bad driving habits to avoid.

Now that you know how to make the most of your summer drive, be sure that you secure the right auto insurance for your needs. At Chambers & Company Insurance Brokers, we’re dedicated to giving each driver the coverage they can count on. Visit us today to get started.

Your Small Business Guide to Avoiding Discrimination and Harassment in the Workplace

Harassment in the Workplace

Keep your business clear of discrimination and harassment in the workplace.

As an employer, you have the responsibility to maintain a workplace that is free of discrimination and harassment. Not only is this your legal obligation, but it also makes good business sense. If you allow prejudice and violations in the workplace, you will pay a high price in poor employee morale, low productivity, and lawsuits. Most businesses can’t afford the cost of any legal claim, let alone an employment practices liability claim, one of the most costly disputes around. Luckily, there are ways to stay on the right side of the law and avoid discrimination and harassment in the workplace.

Recruit and Hire Correctly

It’s illegal to bar certain individuals or groups of people from employment based on race, color, sex, national origin, religion, age, or disability. Your job postings should not contain discriminatory language and should not hint at discrimination.

Be Fair with Dismissals

While there’s nothing wrong with dismissing an employee for legitimate reasons, ‘wrongful termination’ is something to consider. If an employee feels that he or she has been terminated on unfair or prejudice grounds, he or she should file a suit.

Create Written Criteria

Before you make major decisions within the business, make sure you write out criteria on how you plan to evaluate applicants and employees. That way, you’ll have a physical document to guide your decisions and justify your choices if someone questions your motives.

Adopt Clear Harassment Policies

You can’t enforce your business’ harassment policy if it’s not written out. Your policy should clearly state that harassment of any kind won’t be tolerated. All policies should outline disciplinary procedures, instructions on how to file a claim, and details about how an investigation will be documented.

Train Your Team

The best way to avoid harassment and discrimination in the workplace is to teach your team that it is not okay. Ask every member of your team to undergo workplace harassment training, and always intervene if a situation calls for it!

Issues occur all too easily these days. Fortunately, safeguarding your company has never been easier! At Chambers & Company Insurance Brokers, we work with you to understand your risks, exposures, and insurance protection. Visit our team today to get started on securing your policy!

What to Look Out for When Renewing Homeowners Insurance

Renewing Homeowners Insurance

How to update your policy when renewing homeowners insurance.

While the spring season is upon us, take the time to clean up your home’s protection. While spring cleaning offers the ideal time to check smoke alarms and maintenance tasks, there are other ways of protecting your home this season. Renewing homeowners insurance is a must for every homeowner, but do you ever comb through your policy to ensure it still meets your needs?

Here’s what to check out when you review your policy!

Personal Belonging Coverage

Have you recently acquired family heirlooms, a brand new laptop, or sold some expensive jewelry? If so, your insurer should know. Providing protection for your personal possessions is a big part of a homeowners insurance policy. If you don’t have the correct items listed on your home inventory, you could be exposing your beloved items to risk. Whenever you buy or sell something of value, take the time to update your home insurance policy. If you haven’t done so yet, review this when renewing your insurance as you may forget to update it throughout the year.

Upgrades That Call for an Update

Kitchen renovations, bathroom installments, and home upgrades all call for a review of insurance. Look through your policy when you renew it – have you made any changes to the home? Renovations can cause your home’s value to increase, meaning that your old insurance policy doesn’t cover the home in its entirety. Additions such as a pool or adopting a dog call for additional liability protection. In these cases, an umbrella policy is desirable.

Ask the Experts

Insurance professionals are there to help you through the process of reviewing and renewing insurance. Talk to your local team for more information on how to secure reliable coverage. Visit Chambers & Company Insurance Brokers for the quality insurance policies that you need and deserve.

Top Strategies for Shopping for Business Insurance

Strategies for Shopping for Business Insurance

You know you need business insurance. Use this guide to help you get started.

Your business faces plenty of threats, from fire and fraud to dishonest employees and discontented customers. Yet, many businesses lack coverage in some of the most critical areas. To refrain from putting your company in undue stress and exposure, shopping for the right business insurance is a must.

Here are some easy ways to get started.

Do your homework. Find out what risks your business faces, how much your equipment and machinery totals, and note your total business earnings. The more information that you can provide to your insurance agent, the better. He or she will be able to then determine what coverage you may need as well as suggested limits. For example, if you conduct business primarily online, you may need Cyber Liability Insurance coverage, a coverage that has never crossed your mind. If you work in a particularly sensitive industry, you may need Errors and Omissions Insurance coverage.

Search for insurers. Believe it or not, but no two business insurance policies are created equal. Similarly, different insurers won’t offer the same policy at the same rate. Ask for quotes from at least three different insurers and call them up to get a feel for their assistance and processes. Better yet take to the Internet to research reviews and ratings.

Know what is and is not covered. Your insurer will go through your chosen policy, outlining what coverage you have purchased. While this is important, it’s just as important to know what is not covered. For example, your business insurance may not cover flood or earthquake damage, indicating that you should add these policies.

For the protection that you need, visit Chambers & Company Insurance Brokers today. Our professionals are ready to help you secure reliable commercial insurance for your business, whatever your exposures and industry!

Grilling Season is Here: Barbecue Safety Tips

Barbecue Safety Tips

General do’s and don’ts for barbecue safety tips.

The summer season is almost here, and that means making the most of the fine weather. The longer nights, brighter days, and warmer weather brings everyone out into the sun, particularly when there’s a feast! Before you get your grill out for the season, be sure to review these barbecue safety tips!

General:

  • Don’t ever cook if you’re affected by alcohol or prescription drugs.
  • Never leave barbecues unattended.
  • Set it up on level ground, away from bushes, fences, tents, and other structures. Do not set it up underneath hanging tree branches or right by the home itself.
  • Leave plenty of room around your barbecue, so you don’t have to squeeze past it.
  • Keep a bucket of water or sand nearby in case of emergencies.
  • Never take a barbecue of any kind into a tent or awning. The carbon monoxide it gives off could kill you.
  • Be aware that cooking fatty foods can cause the barbecue to flare up.
  • Keep pets and children away from the grill at all times.
  • Dispose of the ashes once they have cooled completely!

For gas barbecues:

  • Make sure the tap is turned off before changing the gas cylinder. Do so in the open air or a well-ventilated place.
  • When you’ve finished cooking, turn off the gas cylinders before you turn off the barbecue controls. This will use up any gas in the pipeline.
  • If you suspect a leak to the gas cylinder or pipe work, brush soapy water around all joints and watch for bubbles. If you find a leaking joint, tighten it gently.
  • Store gas cylinders outside, away from frost and direct sunlight.

Part of what keeps your home safe through barbecue season is securing reliable home insurance. Talk to the professional team at Chambers & Company Insurance Brokers to determine the right homeowners insurance policy to suit your needs through summer and beyond!

Top Strategies for Employee Retention

Strategies for Employee Retention

Use these strategies for employee retention to enjoy a loyal and reliable team.

It’s every manager’s nightmare: One of your best employees resigns out of the blue. Right away, you’ve got a number of challenges to tackle. Not only do you have to find a replacement for such a talented team member, but you also have to consider the impact of this departure on the rest of the staff. Whenever someone walks out of the door, people notice, and some may wonder if they should follow suit. That is why business should have sturdy strategies for employee retention in place. As a manager, this may be one of your more important roles.

Hire the Best

Selecting the right team happens during the hiring process. Take care in the interview process to check out those who are looking for a temporary job and those who are willing to commit to staying. Ask questions about their gaps in work or when they’ve bounced around from job to job.

Recognize a Healthy Work/Life Balance

You can’t expect your employees to function like robots. In order to keep them operating at their most efficient level and keep them from harboring ill will against you or the company, you have to help them to establish a healthy work/life balance. This could be an afternoon off to enjoy team bonding or giving them a long weekend every six months.

Provide Support

Generally, people want to excel at what they do. For this to happen, employers should provide the resources and materials to get the job done. It’s even better if you can provide moral and mental support. Conduct bi-annual reviews of team members to assess their progress, address any concerns, and invite feedback. Employees like to know they’re valued, recognized, and respected.

As a business owner, not only should you work to improve your employee retention, but also to protect the company. When you need help finding the right business insurance coverage for your needs, visit Chambers & Company Insurance Brokers today to get started!

Common Causes of Car Accidents (& How to Avoid Them!)

Common Causes of Car Accidents

Know – and avoid – the common causes of car accidents.

Auto accidents happen everywhere, every day. Most people know someone who has been in an accident, if they themselves have not. Not only does this rack up huge auto repair bills, insurance claims, and medical costs, but the results are often devastating. The National Highway Traffic Safety Administration (NHTSA) reports that car accidents are the leading cause of death among people aged 3 to 33. So that you know what to avoid, check out the common causes of car accidents.

Distracted Driving: Driving while distracted seems to be on the rise with all the latest gizmos and gadgets built and brought into vehicles. While cell phones, smart watches, and navigational systems may be useful in the vehicle, in reality, they can do more harm than good. In our busy world, everyone wants to be multi-tasking at all times. The one place that this shouldn’t be done is in the driver’s seat.

Speeding: Speeding causes one-third of all auto accidents in the U.S. Just the difference between 40 and 60 miles per hour can double the impact of a crash. Going an extra few miles per hour won’t save you that much time, but it can save your life if you stick to the speed limits. Work on leaving 10 minutes earlier to get to your destination so that you’re not tempted to speed.

Under the Influence: Driving under the influence, whether it be drugs or alcohol is a poor choice made by many. There are serious laws and penalties for those who choose to do so if they even survive the accident. Drunk driving not only puts the driver’s life in danger, but everyone else on the road, too. Always designate a driver to make sure you don’t put anyone else in danger when you drink.

Unfamiliar Roads/Laws: Being unfamiliar with an area can be a cause of an accident. Whether it’s making lane changes last minute or not following the rules of the road, driving poorly puts the driver at a higher risk of an accident.

Good driving habits keep you safe. For everything else, there’s car insurance. Visit Chambers & Company Insurance Brokers for a quality auto insurance policy today.