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Driving Risk Management Tips to Keep Your Business Protected

Driving Risk Management Tips to Keep Your Business ProtectedMitigating Workplace Driving Risks

When it comes to your business, it’s important that you have the right tools to protect it. From a disaster plan to commercial insurance, you can systematically reduce your risk of damage and financial strain. If your business is always on the go and has a fleet, or even one car, commercial auto insurance is required. To help keep your company cars and drivers in great shape, minimize your risk of liability with these tips.

  • Establish the rules of the road.

From wearing a seat belt to leaving cell phones in the glovebox, it’s important that you establish some safety rules for your employees to follow. When you set a policy, your employees will be extra cautious of their behavior. What’s more, there’s no room for confusion since the employees know what’s expected of them.

  • Review driving records.

When hiring an employee to drive your company’s vehicles, it’s important that you check their driving history. Their driving record can indicate their driving behaviors, and if they’ve had several speeding tickets or a history of minor accidents, you can be sure not to hand the keys to them.

  • Create a reward system.

Create a program where good drivers are recognized and rewarded, whether it’s a day off, a bonus, or a cup of coffee. When employees get positive feedback, they may be more incentivized to drive safely.

Protect your business from disaster with these risk management tips and commercial auto insurance! Contact Chambers & Company Insurance Brokers to get started on the right policy for your business and vehicles.

What Renter’s Insurance Can Cover

What Renter’s Insurance Can CoverRenter’s Insurance Coverage

Many renters believe the misconception that renter’s insurance is just for their ‘stuff’. In turn, many renters fail to secure coverage because they think that they don’t have a lot of belongings, or they think that their possessions are not worth insuring. What many don’t realize is that renter’s insurance can cover belongings and finances. For a small monthly premium, your renter’s insurance can protect the things you’ve worked so hard for.

Personal Property Coverage

Also known as your ‘stuff’. Take a look around your rental place. Look at all of your items. The value of your belongings can quickly add up. Personal property coverage helps to cover the cost of replacing your stuff if it’s unexpectedly damaged or ruined in a covered peril. If you have items of value, you may need to protect them under a rider, especially if they exceed the limits of your renter’s insurance coverage.

Liability Coverage

Liability coverage is another protection typically offered in a renter’s insurance policy. This may help protect you from paying out of pocket for certain costs if you are found legally responsible for injuries to other people or damage to their property. Even though you only invite friends and family over to your place, accidents happen. If someone trips and falls, you could be held liable for their medical costs. What’s more, if things turn sour, they could sue you for negligence to tend to your property.

Additional Living Expenses

If you’re renting a house or apartment, you typically have a place to call home until your lease expires. If your rented home were to be damaged by a fire, for example, you may be forced to find temporary housing until your rental property is repaired. For this, renter’s insurance can help to cover the costs of living away from home, such as hotel room bills and restaurant charges.

Are you ready to find the right renter’s insurance for your needs? Contact Chambers & Company Insurance Brokers and our specialists can ensure you secure and understand reliable coverage.

Do Small Businesses Really Need Umbrella Insurance?

Do Small Businesses Really Need Umbrella Insurance?Determine If Your Small Business Needs Umbrella Insurance

When it comes to your small business, it’s important that you adequately protect yourself from disaster. While your small business may lack in large profits and hundreds of employees, it is always exposed to risk. From natural disasters to liability suits, there are many challenges that your small company could face. Investing in the right policies helps to mitigate the risk of financial hardship. That’s where umbrella insurance comes in.

What is Commercial Umbrella Insurance?

As a business owner, you’ve chosen the policies that give you the coverage that your company needs, such as general liability and commercial auto. However, it’s important to note that your insurance coverage has limits. In the event that damages and expenses exceed your policy limits, you’re left paying for coverage out of pocket. Umbrella insurance is designed to broaden your current policies, providing you with additional liability coverage.

How Does Commercial Umbrella Insurance Help?

Lawsuits are common practice these days. It’s not uncommon for small businesses to find themselves in serious legal battles and facing high expenses. Umbrella insurance helps to offset such costs so that you can rest assured that your small business is well protected.

If your small business could benefit from such a policy, don’t hesitate to talk to professional. Get started on securing your reliable commercial insurance by contacting the team at Chambers & Company Insurance Brokers.

Steps to Help Simplify a Home Insurance Claim

Steps to Help Simplify a Home Insurance ClaimHow to File a Home Insurance Claim

When disaster strikes, knowing that your homeowners insurance policy will cover any repairs that need to be made can be a real stress reliever. If you’ve never filed a claim before and need to do so to get your home and belongings back on track, it can seem like a daunting process. With a few important steps involved, check out these tips to help file a claim smoothly.

File a Police Report

Report the incident to the police if there’s been a burglary in the home. Make sure a full police report is filed and you have a written copy. Also, try to acquire all law enforcement names and police officers that you speak to so that you can have everything properly filed and documented.

Inform Your Insurer

Call your insurance company as soon as possible to alert them of the incident. Insurance policies place a time limit on filing claims, so it’s important to place that call soon after a loss.

Be Clear on Coverage

While you’re on the phone with your insurance agent, be sure to ask questions if you aren’t sure about coverage and limits. Some good questions to ask are:

  • Am I covered?
  • Does my claim exceed my deductible?
  • What will I need to file a claim?
  • How long will the claims process last?

Make Minor Repairs

Sometimes, we need to make minor repairs to the property to prevent further damage. If your home is suffering water damage and you need to hire cleaners to scrub the walls and remove the water, do so. Be sure to keep the receipts for these expenses, as your insurer may be able to reimburse you.

Don’t Throw Items Away

Do not rush to throw damaged items away, unless they are a health hazard (such as rotting food). Your insurer may want to inspect the damage for themselves.

Document the Damage

Before clearing up or starting any repairs, take plenty of photos of the damage to your home and property. Don’t forget to document any damage to personal property, including furniture, clothing, and electronic equipment.

Remember, having the right homeowners insurance in place can make all the difference during the aftermath of a disaster. Contact Chambers & Company Insurance Brokers and our specialists can ensure you secure and understand reliable coverage.

Top Workplace Safety Precautions

Top Workplace Safety Precautions

Protect Employees and Visitors with These Workplace Safety Tips 

Every business owner wants to protect his or her investment. While commercial insurance can help, you will need to take some active steps in safeguarding your business. These workplace safety tips help to prevent accidents, injury, and illnesses that could result in an extensive insurance claim. Be sure that you check your workplace is a safe environment every day with the use of these tips.

Walk Around the Property

Get into a habit of walking through your business’s workplace and around the perimeter of the building to ensure that there are no hazards or breakages. You may find that a gutter is blocked, therefore water is leaking into the building. You may find cracks in the pathway that someone could trip over. Cables could come loose and offer another hazard for employees and visitors. Keep your team and guests safe by spotting hazards before they become an issue.

Wipe Down Surfaces

Ensure that your workplace is cleaned regularly, if not daily. Dust can settle quickly, triggering allergies in individuals. What’s more, germs can spread easily, making sure that your whole office comes down with a cough and cold. Regularly wiping down surfaces with disinfectant can prevent your whole staff from getting sick.

Back Up Information

Perform a daily backup of your business’s records to ensure that you don’t lose sensitive or valuable information. Be sure that your digital security measures are in place every day to protect your business’s data.

Find the right business insurance that will protect your company each and every day! Contact Chambers & Company Insurance Brokers to get started.

Insurance Terms Made Easy

Home Insurance Terms Made Easy

Common Insurance Terms and What They Mean to You

Our team of professionals deals with insurance day in and day out. We live and breathe insurance. While this makes us all the better at our jobs, we often forget that you, a policyholder, aren’t familiar with insurance buzzwords and terms. Because of this, we’ve compiled common terms that often crop up in policies, along with their definition. Hopefully, this will help you to better understand your coverage.

Actual Cash Value (ACV) – The value of your property, based on the current cost to replace it minus depreciation. This contrasts to “replacement cost.”

Additional living expenses (ALE) – Reimburses the policyholder for the cost of temporary housing, food, and other essential living expenses if the home is damaged by a covered peril that makes the home temporarily uninhabitable.

Deductible – The amount the insured must pay in a loss before any payment is due from the company.

Endorsement – An amendment or rider to a policy adjusting the coverages and taking precedence over the general contract.

Liability – Responsibility to another for one’s negligence that results in injury or damage.

Liability limits – The maximum amount your liability policy will pay. There are certain liability limits that must be met on some insurance coverages, for example, auto insurance.

Loss of use – A provision in homeowners and renters insurance policies that reimburses policyholders for the additional costs (housing, food, and other essentials) of having to live elsewhere while the home is being restored following a disaster.

Premium – The amount paid by an insured to an insurance company to obtain or maintain an insurance policy.

Replacement cost – Insurance coverage that pays the dollar amount needed to replace the structure or damaged personal property without deducting for depreciation, but limited by the policy’s maximum dollar amount.

Rider – A written agreement attached to the policy expanding or limiting the benefits otherwise payable under the policy. Also called an “endorsement.”

Need help finding the right insurance for your finances and needs? Contact Chambers & Company Insurance Brokers and our specialists can ensure you secure and understand reliable coverage.

Healthy Habits to Adopt This Year

Healthy Habits to Adopt This Year

Improve Your Health and Happiness with These Tips 

With the New Year in full swing, many of us have made the commitment to a healthier lifestyle. Fulfilling this commitment doesn’t have to be stressful or boring. In fact, little healthy habits can go a long way when it comes to our mental and physical health. So that you make this year the best yet, check out these healthy habits to adopt.

Get Moving

If it’s not on your list already, be sure to add it! We all know the benefits of regular exercise, but our routines outside of the gym can have just as much benefit. Simply find ways to move more in your daily lifestyle. Walk to your colleague’s desk instead of sending an email, park your car further away from the store, and take the stairs instead of the elevator. Just a few minutes of movement each day can have a lasting effect on your health.

Pay Attention to Your Posture

This one is especially important for those of us who have spent a majority of our lives sitting behind our desks. It’s important that we focus on having better posture if we want to avoid chronic pain. Be mindful when you’re sitting or standing that you’re not slouched, your shoulders are back, and your back is straight.

Drink More Water

The human body is made up of around 60 percent fluid – playing a huge role in the body’s daily functions, such as digestion, circulation, and the regulation of body temperature. We should all consistently drink enough water throughout the day to ensure our body doesn’t get dehydrated.

Eat Right

Instead of loading up on processed meats, cheeses, junk food, sugar, and salt, switch to fresh fruit and vegetables. Once you are in a habit of eating more plants, your taste buds won’t be craving sugary and salty foods!

Take Time for Yourself

We spend the majority of the time in our busy lives focusing on our jobs, bills, spouses, children, and more. Challenge yourself to take some time each week for just yourself. Whether you go for a drive, read a new book, or get a massage, you’ll be surprised at how uplifted and recharged you feel!

How are you making changes for the better this year?  To fully protect your financial future with the right insurance policies, contact the team at Chambers & Company Insurance Brokers.

The Importance of Renter’s Insurance

The Importance of Renter’s Insurance

Why You Need Renter’s Insurance

While most people know how important it is to have homeowners insurance, many never stop to consider whether renters also need to protect themselves. Many tenants assume that they don’t need coverage because any hazards will be covered by their landlord’s insurance – after all, they are the ones who own the property, right? This is a common, but costly, misconception. The landlord’s insurance will not cover personal belongings and liabilities of the tenant. This is why you need renter’s insurance.

What is renter’s insurance?

Renter’s insurance is a type of insurance that protects the renter as well as their property. Just like other forms of insurance, customers will choose their amount of coverage and deductible, and then be required to pay a monthly premium based on these, as well as a few other, factors.

What does renter’s insurance cover?

Much like a homeowners insurance policy, renter’s insurance policies typically cover fire, theft, vandalism, utility malfunctions, weather-related damage, and a whole host of other hazards. Be sure to read through your policy to fully understand what is and isn’t covered. Typically, earthquake and flood coverage is excluded from standard policies; however, a separate policy can be purchased.

How much coverage should you buy?

As with all insurance, the amount of coverage you buy depends on your risk and value of possessions. If you have a lot of expensive personal belongings, it is well worth insuring them under a policy. If you work at home, make sure your equipment, like your computer, is covered. If you regularly have visitors, it may be worth securing higher personal liability coverage in case they injure themselves on your property and sue you.

Are you ready to secure the right renter’s insurance? Get started today by contacting the team at Chambers & Company Insurance Brokers.

Easy Ways to Combat Sitting All Day

Easy Ways to Combat Sitting All Day

Avoid Sitting Down All Day

If you work at a desk, you may find that sitting down all day can wreak havoc on your body. Whether it’s lower back pain, wrist pain, a really tight neck, or a lack of mobility, when we spend all day at a desk to pay the bills, our bodies often get stuck picking up the tab. With the dangers of sitting down all day hitting the news, it’s important that you take a stand for your health – a few times a day!

Set Up Your Workplace to Succeed

If you work at a desk job, you probably spend more time at your desk than you do at anything else. While desk jobs may not seem physically taxing, they can certainly cause physical problems. Ensure that your chair is at the proper height, your computer is at eye level, and your back is straight.

Sit on a Stability Ball

Sitting on a stability ball, instead of an office chair, can be an easy way to increase activity. To sit balanced on the ball, you must engage your core muscles.

Stretch Often

Sitting down can wear on your hips and spine. Set a reminder for a couple of times a day to get up and stretch. Reach up and then bend at the hips to touch the floor. Lunges and shoulder rolls are also good stretches to perform to open up tight tips and tense shoulders.

Take a Stand

Standing desks keep employees on their feet, instead of planted in their chairs. Even if your office doesn’t have a standing desk, all you need is a stable box placed on top of the desk in order to stand and work. Take a phone call standing and walk around the office. If possible, opt for a treadmill desk that will keep you moving while working!

Walk More

An easy way to include more activity in the workday is by walking. Suggest walking meetings instead of sitting in the conference room. Instead of sending a colleague an email, get up and walk over to their desk. Take the stairs instead of the escalator. Getting active doesn’t have to be big – but it should happen often.

Rest easy knowing that your finances are safe and protected. Contact Chambers & Company Insurance Brokers for all of your personal and commercial insurance needs.

Emergency Preparedness Tips for First-Time Renters

Emergency Preparedness Tips for First-Time Renters

What Renters Should Know About Disaster Preparedness

There are few feelings that rival the feeling of being handed the keys to your first rental apartment. Even though there are boxes everywhere and a lot of decorating to do, you can’t help but be content with your very own space for the first time. While we hate to put a damper on a good feeling, have you thought about what you might do if an unexpected emergency or natural disaster happens? While renter’s insurance can help, check out these tips to stay emergency-prepared in your new apartment.

Know Your Local Weather

If you’ve moved across the country, or even just across the state, you’ll want to be extra careful in keeping up with the weather. It’s a good idea to familiarize yourself with the types of severe weather in your area, whether that is wildfires, winter snowstorms, or hurricanes. Make it part of your routine to check the weather every day so that you know when to be prepared.

Have a Communication Plan

Do you have a way to contact your friends and family in an emergency? You may not be able to rely on your cell phone if cell towers are knocked down or destroyed. If you have Internet access, you may want to use social media, email, or text messaging to get a hold of your loved ones.

Stock Up an Emergency Kit

You may not think about gathering an emergency supply kit, but should you need it, you’ll be thankful that you did! Gather essential items, such as water, flashlights, non-perishable food, a battery-operated radio, your pet’s supplies (food, water, toys), so that you can grab this kit in the event of an emergency.

Finding yourself in an emergency and on your own can be overwhelming if you don’t plan ahead of time. Fortunately, these tips will stand you in good stead. For the protection your new apartment deserves, contact Chambers & Company Insurance Brokers for reliable renter’s insurance coverage.